One operating layer between research and client portfolios.
Invest Agent is a B2B investment operating layer for Swiss asset managers. It combines broad rated coverage, systematic ratings, multi-asset portfolio construction — direct equity lines at the core — and Swissquote execution so managers can adapt strategy across client mandates without rebuilding every portfolio by hand.
A direct-equity portfolio workflow built from Apollo 8-rated single stocks — completed by screened ETF and fund baskets for the other asset classes.
A granular selection engine: every equity position traces back to a rating, basket, and documented rationale.
A faster way for a portfolio manager to adapt a mandate's strategy — defensive to dynamic — without rebuilding every line by hand.
A robo-advisor allocating savings to a fixed ETF mix.
An ETF wrapper hiding the underlying equity selection.
A retail investing app chasing end consumers.
A black-box AI making decisions no one can explain.
Three actors. Clean lines of responsibility.
Most confusion about products like this comes from blurred roles. Invest Agent is built on the opposite principle: each actor does what it is best at — and nothing else.
Apollo 8
The portfolio construction.
- Broad rated universe of eligible stocks
- Quantitative ratings — Growth, Quality, Dividend
- Granular single-stock selection
- Best-instrument screening across the other asset classes
- Basket construction and target weights
- Monitoring, rationale, and reporting
Apollo 8 does not custody assets and does not own the client relationship.
Swissquote
The execution.
- Custody of client assets
- Trade execution
- Paying agent — orchestrates inflows and outflows
- Client onboarding and account services
- Instrument whitelisting and settlement
Swissquote does not define the investment opinion behind the templates.
Probus Pleion
The relationship.
- Client relationship and communication
- Investment guidance — the risk profile that fits each client
- Suitability and mandate responsibility
- Fast strategy adaptation
- The call to rotate, stay invested, or disinvest
Nothing replaces the manager's judgment — the decision to change or unwind a strategy always sits with them.
Asset selection
Portfolio construction
Custody & execution
Client & mandate
Four objects, from idea to implementation.
The whole system reduces to a hierarchy of four objects. Understand these, and you understand the product. Each one answers the same three questions: what is it, how often does it update, and who decides.
Strategies
A strategic allocation across baskets — each strategy is a set of basket weights, and this is the level where the portfolio's risk profile is determined, from defensive to dynamic.
Deliberately stable. Strategic weights are designed to hold; the system prefers a range of strategies over a constantly shifting allocation.
Apollo 8 owns and maintains the strategy set — with the possibility to add more strategies over time.
Baskets
The asset-selection layer: instruments screened, monitored, and rated by Apollo 8 — single stocks for the equity baskets, ETFs and funds for fixed income, real estate, and commodities.
Re-scored weekly. Composition evolves with market conditions and instrument fundamentals — equities through the rating modules, other asset classes through their own monitoring.
Apollo 8 — it builds and runs the monitoring and rating pipeline behind every basket.
Portfolio templates
A strategy made investable: basket weights resolve into an actual selection of instruments — still a portfolio with target weights.
Versioned on a controlled cadence — typically quarterly, after earnings seasons — with validation and turnover checks. Critical events can trigger direct updates.
Apollo 8 owns template construction. Each version is stored at Swissquote — the link between the allocation layer and the execution layer.
Client portfolios
Each client portfolio is assigned to a strategy and mapped to its template, converting target weights into real positions given account size and cash.
Follows the manager's investment decisions — invest, divest, change strategy — and tracks template updates without the manager rebuilding anything, implemented through Swissquote within execution and FX-settlement constraints.
Probus Pleion — the portfolio and the strategy assignment are theirs, as is the call to invest, switch, or disinvest.
The Swissquote universe, screened into an investable one.
The product draws its strength from the breadth of assets available at Swissquote. Apollo 8 screens that universe — close to 3,000 equities re-analysed weekly, plus the ETFs and funds covering the other asset classes — so every sleeve of the allocation is built from the best instruments available, not from a shortlist.
Every stock, every week
Each weekly batch re-runs the full fundamental analysis of the universe: 70+ financial ratios per company, recomputed from the latest reported financials, with refreshed market data and sector context. Nothing is carried over on trust — every score is rebuilt from current numbers.
Written analysis on the names that matter
On top of the quantitative pass, AI agents review the leading candidates in each style and region — and write the analysis down: a narrative summary, bull and bear points, and explicit warning flags. Names that reach a basket carry a rationale a portfolio manager can read, challenge, and forward.
The other asset classes, instrument-screened
Fixed income, commodities, and real estate enter the allocation through ETFs — 300+ of them cover these asset classes — selected for cost efficiency and tracking error, with Swiss real estate held through liquid funds. The methodology differs from the equity ratings; the principle does not: the best instrument for each sleeve, drawn from the breadth Swissquote gives access to.
AI drafts and monitors; it does not decide. Selection follows the rating rules, and every template release passes validation and turnover checks before anything reaches a client portfolio.
Named ratings, direct-stock baskets, clear stances.
The building blocks are modular: asset-class baskets, assembled by strategies into templates. The equity sleeve is the granular core — single stocks selected through Apollo 8's Growth, Quality, and Dividend ratings — while the other asset classes use screened ETFs and funds.
Equities
Single stocks · screened & rated by Apollo 8Each style scores the whole universe and the basket holds the top-ranked names — best in class. How many a basket holds depends on the weight the template gives it.
TOP — S&P contributors
Index sleeveThe S&P index's leading contributors, held as direct lines — the index sleeve that sits alongside the rated styles.
Growth rating
TOP NGrowth potential and momentum, with risk kept in check.
- Revenue growth YoY
- EPS growth YoY
- Operating cash-flow growth
- Forward P/E
- Debt-to-equity
Quality rating
TOP NFundamental quality and investment attractiveness.
- Return on equity
- Operating margin
- P/E · P/B
- Interest coverage
- Free cash flow
Dividend rating
TOP NDividend quality and sustainability.
- Dividend yield
- Payout ratio
- Dividend growth history
- Free cash-flow coverage
- Debt-to-equity
Fixed income
Via ETFs.
- Government bondsUS/EU, medium duration
- Corporate investment gradeUS/EU, short duration
- Corporate high yieldUS/EU, short duration
Real estate
Liquid Swiss funds and certificates.
- Swiss real estate
Commodities
Via ETFs.
- Gold
Reference currency × risk profile × equity style = one template. Start with the currency — it determines which risk profiles are available — then pick a profile and style, and watch the allocation move from defensive to fully dynamic.
CHF — Balanced — Quality one template
The equity sleeve — 53% here — is built from single stocks selected with the Quality rating from the Swiss universe, plus the TOP S&P basket. Changing the risk profile moves the weights; changing the style changes which rated stocks fill the sleeve.
Illustrative template structures. Moderated is currently available for CHF templates only. Not a recommendation, an offer, or current portfolio composition.
The cadence is the discipline.
The system can monitor markets continuously — but portfolios are not a stream of trades. Updates are governed, and the restraint built into the publishing rhythm is itself the value: pacing protects long-term discipline and trading costs instead of chasing every signal.
Scoring & candidates
Equity scoring batches run weekly. Basket and template candidates are generated and diffed internally — publication is a separate, controlled step.
Validation & turnover
The release process is built around trade checks, validation, and an explicit turnover warning before a template version goes out.
Publication
New template versions go out in controlled windows — typically quarterly, after earnings seasons. That is the update rhythm a client portfolio actually experiences.
Critical events
An instrument liquidation or a sector exclusion can trigger a direct update outside the regular cadence.
Transparent down to the ratio.
Managers — and through them, clients — have visibility on their portfolios at all times: the allocation, every update, and the analytics Apollo 8 produced to build the templates in the first place. Audit reports and stock analysis, with the fundamental data behind them, are part of the mandate.
The mandate, in numbers — at all times.
Portfolio composition — every position, every weight
Performance over the period
Each position's contribution to performance
Reported in Swissquote tools or custom mail.
The research behind the templates, shared in full.
Asset classification — region, sector, focus area
Equity ratings across Growth, Quality, and Dividend
The fundamental data justifying each rating
SQN — Swissquote Group Holding Ltd
Switzerland · Financial services · CHF 5.7B market cap
82.5 / 100
68.7 / 100
85.9 / 100
One rating module of three, four of its metrics shown. The full report covers 70+ ratios per company — each with its formula, inputs, and history — plus the written narrative on leading candidates.
Excerpt from a live Apollo 8 audit report, simplified for display. Not investment advice or a recommendation.
Template track record — gross performance.
Indexed to 100 over the selected range. If you want more detail, open the table below and click a template to pin it; click another to compare the two.
Frequently asked questions.
Who is it for?
Swiss B2B asset managers — portfolio and relationship managers who run client mandates. End clients can understand it, but it is built for professionals, not as a retail app.
Is Invest Agent a robo-advisor?
No. A robo-advisor sells a standardized allocation directly to consumers. Invest Agent is an operating layer that asset managers use inside their own advisory or discretionary workflow — the manager stays in front of the client.
Is it a black box?
No. The process is built from named strategies, named baskets, target weights, and rating rationale. Template changes ship with their diff and reasoning, and the process is designed to keep portfolio composition visible to managers and clients.
Where does AI fit?
AI supports screening, monitoring, summarization, and workflow automation. The promise is not autonomous advice: it is a transparent investment process that helps managers turn market opinion into implementable portfolios, with human governance and validation in the loop.
What data and ratings does Apollo 8 use?
Market and fundamental company data feed three rating modules — Growth, Quality, and Dividend — each scoring instruments from 0 to 100%. The universe covers close to 3,000 US, European, and Swiss stocks, re-analysed weekly on 70+ financial ratios, with AI agents adding a written narrative — bull and bear points, warning flags — on the leading candidates. Equity baskets are screened from the universe available at Swissquote using those scores; other asset classes are covered through ETF and fund baskets.
What exactly is Swissquote's role?
Banking infrastructure: custody of client assets, trade execution, paying agent for cash inflows and outflows, onboarding, and account services. The investable universe is screened from instruments available at Swissquote.
What does the solution cost?
Apollo 8 takes a small share of the management fee; Swissquote earns trading fees at preferential institutional rates.
Who makes suitability decisions?
The asset manager — always. Apollo 8 provides the investment opinion, ratings, and tooling; the manager owns the client relationship, the suitability judgment, and the mandate.
What happens when a template changes?
A new template version is published with its changes and rationale. Linked client portfolios are then brought in line through the operating flow — subject to validation and trade checks, execution, and FX-settlement constraints.
How often do portfolios change?
Scoring and candidate analysis run weekly inside Apollo 8, but publication is deliberately controlled — typically quarterly, after company results — to manage turnover and trading costs. Each rebalancing targets a controlled turnover of roughly 8–25% of portfolio holdings, depending on the risk profile. Critical events can trigger direct updates.
How quickly do changes reach client portfolios?
The operating target is T+1: trades implementing a decision or a new template version go out the next business day, with FX reconciliation, where needed, at T+2. Execution runs through Swissquote, and operational constraints — trade checks, execution windows, settlement — can extend timing. A target, not a contractual promise.
Does the solution provide FX hedging?
No. Portfolios are not hedged against adverse currency moves relative to the reference currency — a deliberate choice that keeps the setup simple and the focus on investment selection. In practice the exposure is contained: most of the equity sleeve trades in the reference currency.
Walk through the operating model with us.
Request a demo and see the hierarchy live — strategies, baskets, templates, and a linked client portfolio.