AI-powered investment analysis · New Zealand

Data-driven investment decisions, without the fees that usually come with them

River Ertragvik analyses market and portfolio data in real time and turns it into clear, actionable recommendations. There are no brokerage fees or commissions on trades executed through the platform, so the returns you generate stay with you.

Start analysing your portfolio See how it works

Preview: the platform continuously scores position-level risk and flags concentration or volatility changes across your holdings, updating as new market data arrives.

How it works

An AI model that reads your data, not a broker who reads a script

River Ertragvik ingests market pricing, historical volatility, and the composition of your existing holdings, then runs predictive models built to surface patterns a manual review would likely miss. The output is a set of recommendations, not a black box: every suggestion is tied to the data points that produced it.

For young professionals balancing a full-time career with a growing investment portfolio, this removes the two biggest barriers to consistent analysis: time and cost. There is no advisory fee layered on top of the platform, and no percentage taken from executed trades.

Continuous analysis of NZX and international market data relevant to your holdings
Zero trading fees — you keep 100% of realised profit from executed trades
Recommendations explained in plain terms, with the underlying data referenced
Designed for portfolios built alongside a full-time income, not day trading

River Ertragvik team reviewing portfolio data and predictive model output

Models are reviewed on an ongoing basis to ensure recommendations remain grounded in current market conditions, not historical assumptions alone.

Process

From raw data to a decision you can act on

Predictive modelling can feel opaque from the outside. Here is the sequence River Ertragvik follows for every recommendation it produces, so the reasoning stays visible.

STEP 01

Ingestion

Market prices, volatility histories, and your current holdings are pulled in and reconciled against a consistent data structure, ready for analysis.

STEP 02

Analysis

Predictive models assess correlations, exposure, and momentum across your portfolio, comparing current conditions against historical patterns.

STEP 03

Optimisation

The system weighs potential adjustments against your stated risk tolerance, favouring changes that improve balance rather than chase short-term gains.

STEP 04

Execution

You review the recommendation and choose whether to act. Approved trades execute with no brokerage fee attached, and the full outcome is yours.

Risk management

Built for people who want growth without unnecessary exposure

Many young professionals investing alongside a career are not looking to take on outsized risk — they want steady, well-reasoned growth that fits around a full-time income and other financial goals, such as a first home deposit or KiwiSaver contributions.

River Ertragvik treats risk as a variable to manage continuously, not a warning shown once at sign-up. The platform monitors concentration in individual sectors, currency exposure for NZD-based portfolios, and volatility trends, then adjusts its recommendations as conditions shift.

What the risk view shows

A portfolio-level risk score updates as new market data arrives, broken down by sector concentration, volatility trend, and currency exposure. Each recommendation links back to the specific metric that triggered it, so you can see why a change is being suggested before you act on it.

The score is a decision-support tool. It does not remove market risk, and past performance patterns are not a guarantee of future results.

Transparency

How River Ertragvik earns revenue while charging zero trading fees

Zero fees on trades is a structural design choice, not a temporary promotion, so it is worth explaining plainly how the business sustains itself. River Ertragvik generates revenue through tiered subscription access to advanced analysis features and portfolio depth, rather than through commissions on the trades you make.

This separates the platform's incentives from your trading activity. There is no benefit to River Ertragvik in recommending more frequent trades, because revenue does not depend on trade volume. The goal is for recommendations to reflect what the data supports, not what generates the most fee income.

We have not built this page around client testimonials or third-party endorsements, because we would rather be judged on the clarity of the methodology than on selected quotes. The process described above — ingestion, analysis, optimisation, execution — is the same process applied to every account, regardless of portfolio size.

A note on New Zealand regulation: River Ertragvik operates with New Zealand financial services obligations in mind, including relevant disclosure and conduct requirements. The platform provides data-driven analysis and recommendations; it does not replace personalised financial advice, and we encourage users making significant decisions to consult a licensed financial adviser where appropriate.

Start building a second income stream on your own terms

Diversifying income does not require handing a percentage of every gain to a broker. See what the analysis looks like for a portfolio like yours, at no cost to set up.

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