Finnk, Kutxabank Group’s 100% digital investment service and a benchmark in financial innovation, closes 2025 with an annual return of 10% in its AI-based IAvanzada portfolio management model.
Since its launch in May 2024, the IAvanzada 80/20 portfolio— with an average exposure of 80% to equities—has achieved a cumulative return of 17%, confirming the strength, consistency, and robustness of its investment approach.
Finnk is the only investment platform in Spain that applies this technology in a structural and continuous manner to portfolio management, within a model supervised by an Investment Committee.
Advanced AI-driven data and market scenario analysis, with human validation
The IAvanzada model combines advanced data analysis and market scenario assessment through artificial intelligence with an ongoing human validation process—a tandem that enables dynamic, traceable investment decisions aligned with strict risk control.
“Artificial Intelligence does not replace decision-making; it enhances it. At Finnk, we have shown that combining AI with a highly qualified and experienced investment team allows portfolios to be managed more dynamically and consistently, even in complex market environments,” explains María Hoyos, Head of the Finnk business.
Consistent results in a challenging environment
In a year marked by high geopolitical uncertainty, macroeconomic tensions, and shifts in monetary policy, the management model has been able to identify opportunities and adapt efficiently to different market scenarios.
According to Óscar Martínez, Head of Portfolio Management at Finnk: “The predictive model has largely anticipated the stronger performance of cyclical sectors compared to defensive ones, maintaining an overweight position in European equities versus U.S. equities and anticipating the depreciation of the dollar. This combination of signals has been key to the portfolio’s performance during the year.”
Industry recognition
Finnk’s commitment to innovation and the practical application of artificial intelligence has been recognized by the industry.
The company has been distinguished by Rankia—one of Spain’s leading investment analysis and comparison platforms—as the second-best automated manager. In addition, Finnk has been selected at the Internet Awards as one of the three best fintech companies, highlighting its contribution to the development of advanced digital solutions in the financial sector.
Finnk reaffirms its commitment to continue developing investment models that bring financial innovation closer to clients, while always upholding the principles of transparency, control, financial education, and a long-term vision.
About Finnk
Finnk is a 100% digital investment service provided by Kutxabank Investment, offering personalized service through long-term diversified portfolios designed to help clients achieve their financial goals
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