Design your custom stock portfolio.

When you subscribe to a werin plan, your personal space displays a number of available credits based on your subscription. These credits are mainly used when designing and revising portfolios. Thanks to this credit system, you can track your consumption in real time without surprise. Before every action, you are informed of the number of credits that will be debited. Finally, credit consumption is fully transparent and identical for everyone: 2 credits per line of securities for portfolio design, 1 credit per line of securities if you activate the werin suggested review, and 5 fixed credits to view the composition of featured portfolios (subscribers only). Weighting optimization costs 10 extra credits, charged only if it finds a better-performing portfolio than your weightings.

An ETF is a financial product distributed by various financial institutions (banks, funds…). It can replicate an index as-is or follow an investment strategy. However, with an ETF you will never capture 100% of the underlying portfolio's performance, while bearing the losses in full. You also always pay more for an ETF than the price of the stocks that compose it. With werin, you build your own ETF, a portfolio aligned with your preferences: geographic zone, ESG rating, financial safety, dividend distribution… No opacity — you know where you are going and why. The configurations shown are informational and do not constitute investment advice.

werin is a decision-intelligence platform for portfolio management. We differ from an investment advisor or robo-advisor because we make no judgement, nor any normative assessment, of the configurations that result exclusively from your preference criteria. werin enlightens your choices, eases your portfolio design and its tracking, but werin will never decide for you. werin enlightens, you decide. Finally, we never manage your funds and take no commission on the investments you may make from your portfolio configurations. werin recommends that you work alongside a financial advisor who can account for the other specifics of your wealth situation in your investment decisions.

Our methodology relies on rigorous algorithmic and financial methods from academic research and from the experience of its designers. The algorithms have been tested through many robustness checks and their output is verifiable from the source data. Security selection is based on a matrix optimisation system from each security's rankings on the criteria selected and weighted by the user; every indicator is traceable and reproducible. Financial, extra-financial and fundamental data (prices, accounting statements, ESG ratings, analyst recommendations) come from LSEG-Refinitiv under a data redistribution agreement — the same sources used by the world's largest banks. Macro-economic data (interest rates, GDP growth, price indices) come from the OECD, and index compositions rely on the public websites of their reference institutions (STOXX, S&P Global, Euronext, China Securities Index).

Back-testing is a reverse performance measure. With werin, you can observe the relevance of your choices on the performance of your portfolio as if you had held it for almost 10 years (the earliest date from which werin can start a back-test is 31/12/2016). Ten years cover several market cycles (2015 crisis, 2018, COVID, rate hikes). This helps observe how a configuration behaves under varied conditions. Past performance does not predict future returns.

Europe, United States, China and a France focus cover the vast majority of global market capitalisation while accommodating French tax constraints (PEA, PEA-PME). These universes grant access to more than twenty stock markets across three continents. werin relies on the composition of general indices to define the pool of companies offered to users. More than 1,500 listed companies make up the werin panel. These companies are representative of their sector and often well known to the general public. Their financial information is transparent and verifiable.

Whether you are a wealth management advisor or a fund manager, werin can save you precious time in your financial research. You can test portfolio strategies in a few minutes. That said, any commercial use of your werin experience is subject to our prior express approval in accordance with the Terms of Use — please get in touch if you are considering this (contact@werinfinance.com).