​FINDOTEC investment process is built on structure, not sentiment. Each portfolio is constructed using the following disciplined and data-led steps: 

 

Data Screening 

We use Morningstar analytics to review the full fund universe, filtering for consistent performance over time. Our bell curve model identifies the top 16% of funds with reliable, repeatable results

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Smart Selection 
From this top tier, we shortlist four funds per portfolio, chosen for their long-term growth potential and behavioral resilience. A manual ‘Hummingbird’ check weeds out any with recent short-term spikes that may distort the data

 

Portfolio Construction 
We build three portfolios - CPI+3%, CPI+5%, and CPI+7% - each targeting a specific real return above inflation. These are designed for different levels of growth ambition and risk appetite

 

Risk & Quality Control 
Every portfolio is diversified, risk-weighted and regularly reviewed. We focus on quality, sustainability and evidence, not ideology, hype or market noise

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Ongoing Oversight 
Minimum fund holding is four months to avoid churn, but each portfolio adapts as new data emerges. This ensures relevance, precision and long-term value