AI Wealth Management for Australians
A personal wealth assistant that knows your numbers. Net worth allocation, retirement projections, SMSF analysis and tax hints — grounded in your real Auravest data.
General information only · Not personal financial advice
What the AI does
Ask anything in plain English
"What's my net worth allocation?" "How much is sitting in offset?" "Project my super to age 65." The assistant answers grounded in your real data.
Goal-aware reasoning
Tell it your FIRE target or retirement income. It calculates required portfolio value, savings rate, and probability of success.
Monte Carlo simulations
10,000 simulated paths factoring in real return distributions, inflation, sequence-of-returns risk, and Australian tax rules.
Allocation insights
Spots concentration risk across SMSF, direct holdings, and super. Identifies when you hold the same stock inside and outside super.
Tax optimisation hints
Surfaces concessional contribution cap usage, Division 293 exposure, franking credit position, and HECS/HELP threshold proximity.
Your data, never trained on
Conversations and account data never train any external model. Read-only, encrypted, and isolated per user.
Real questions Australians ask
Examples of conversations you can have with Auravest. Every answer is grounded in your own connected data.
How much of my wealth is in Australian property?
What's my current SMSF allocation by asset class?
Project my retirement at 4% drawdown — best, median, worst case
Am I close to my concessional contribution cap this FY?
If property values drop 20%, what happens to my net worth?
How much franking credit refund am I likely to get?
What's my offset account doing to my effective mortgage rate?
How much do I need to retire on $80,000/year passive income?
AI vs traditional financial advisor
Different tools, different jobs. Many Australians use both.
Frequently asked questions
What is AI wealth management?
AI wealth management uses large language models and quantitative simulations to give personalised, on-demand insights into your finances — net worth allocation, retirement projections, tax optimisation, and goal tracking — at a fraction of the cost of a traditional financial advisor. Auravest is built specifically for Australian wealth, with native understanding of superannuation, SMSF, HECS/HELP, and AU tax rules.
Is AI wealth management replacing financial advisors in Australia?
No — AI tools and licensed advisors solve different problems. AI is unbeatable for monitoring, simulation, and general information at scale. Licensed Australian financial advisors provide regulated personal advice (Statement of Advice), complex estate planning, and structured product recommendations that AI is not permitted to give. Many Australians use both: AI for daily monitoring and adviser for major decisions.
Does Auravest give financial advice?
No. Auravest provides general information about your own financial data — not personal financial advice. Anything that requires a Statement of Advice under Australian law (specific product recommendations, retirement planning advice tied to your full personal circumstances) requires a licensed Australian Financial Services (AFS) licence holder. We surface the data; you make the decisions, optionally with your advisor.
What model powers the Auravest AI?
Auravest uses Google's Gemini family of models for the conversational assistant, combined with proprietary Monte Carlo simulators for retirement and portfolio scenarios. The AI sees only your data within Auravest — it is not trained on your inputs, and your data never leaves the EU/AU data hosting region.
Is my data safe with AI?
Yes. Your account data is never used to train any external model. All connections to AI providers happen server-side over encrypted channels, conversations are retained only for your reference, and you can delete your chat history at any time. The AI has read-only context of your data — it cannot move money or change accounts.
Your wealth, with an AI in the loop
Free to start. Connect property, super, SMSF, shares and crypto, then ask away.