Duro Fondencia analyzes in real time the behavior of the markets and the self-employed income patterns to propose, between one project and the next, surplus management adjusted to their real liquidity and risk tolerance.
Start free analysisThe context
When one project ends and the next has not yet started, the capital usually stays in a checking account, losing purchasing power in the face of inflation while waiting for the next income. This period of uncertainty generates a specific tension: how much can you keep as a cushion and how much can you work without compromising the tranquility of the following month?
Most freelancers do not have the time or the tools to analyze that decision with data, so they opt for the simplest option, which is not always the most efficient.
Technology
The Duro Fondencia engine processes volumes of market data and contrasts it with the user's liquidity profile to generate adjusted, explainable and reviewable recommendations at any time.
The system identifies patterns in the self-employed person's income history and in the behavior of available assets, to estimate capital evolution scenarios at different periods.
Each recommendation incorporates a level of risk calculated according to recent market volatility and the declared need for liquidity, avoiding exposures that compromise the fiscal provision or the operating cushion.
The data is updated continuously, so recommendations reflect current market conditions and not outdated projections from weeks ago.
Transparency
Instead of asking for blind trust, Duro Fondencia publishes how its recommendations are generated and how they behave in practice, so that each user can compare them before deciding.
The system compiles market volumes, historical series and the liquidity parameters that each user defines for their specific situation.
The models contrast each recommendation against multiple scenarios before displaying it, discarding those that exceed the configured risk level.
The aggregate performance of the recommendations is documented in open access records, searchable by the user community.
Who we are
Duro Fondencia was born from observing that traditional financial products are designed for stable payrolls, not for the reality of someone who charges per project. Our job consists of translating data analysis models, common in institutional environments, into a format that an independent professional can understand and audit without requiring prior financial training.
We do not promise guaranteed returns: we document how each recommendation is calculated and leave the record of results visible.
Optimization scenarios
When a period without confirmed income is detected, the model automatically reduces exposure to volatile assets and prioritizes more liquid instruments, so that capital remains available if an unforeseen expense arises.
The system distinguishes the part of the capital reserved for tax obligations and keeps it outside of risk recommendations, managing only the real surplus available for growth.
For capital without the need for immediate liquidity, the model proposes longer horizons, periodically re-evaluating the level of risk as the user's income changes.
Frequently asked questions
Income and liquidity data is used solely to calculate personalized recommendations and is not shared with third parties outside of the service. The user maintains control over what information they enter at all times and can delete it.
The system prioritizes liquidity instruments compatible with the needs declared by the user. Before applying any recommendation, the estimated availability period of the capital involved is shown.
No recommendation guarantees a result, as it depends on variable market conditions. That is why each suggestion is accompanied by its estimated risk level and the historical record of performance, public and consultable, so that the final decision is informed.
Start with an initial review of your liquidity situation. It requires no complex setup or prior commitment, and you can stop scanning at any time.
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