goal based journeys
A smart tool that turns your big life goals into a personal investment plan. It picks the right stocks for you and tracks your progress automatically to keep you on course.
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problem
Individual investors often suffer from a "Clarity and Credibility Gap," where life aspirations (like retirement or homeownership) feel disconnected from their actual brokerage activities. Without personalized guidance or an easy way to track specific milestones, users face high cognitive load and management overhead, leading to stagnant portfolios that drift away from their intended objectives.
solution
Magnifi solves this by replacing generic trading with Goal-based Journeys—a structured, AI-driven experience that translates human aspirations into custom investment portfolios. By combining interactive goal-setting, personalized growth projections, and automated rebalancing, the platform transforms the AI into a proactive co-pilot. This approach eliminates the "cold start" for new investors and provides seasoned users with a low-friction, highly credible roadmap to achieving their specific financial milestones.
The Opportunity
In an effort to enhance the product experience, we introduced goal-based journeys, to drive users to invest against their personal aspirations. Whether aspirations include saving for a dream vacation, acquiring a home, or even planning for long term objectives like securing a users' retirement or funding a child's education, assistant serves as a guiding tool to expedite their journey towards these goals.
Moreover, assistant diligently keeps users informed about their ongoing progress of each of their goals. It goes the extra mile by offering the ability to efficiently manage their investing portfolio. This includes routine rebalancing to ensure that the investments remain closely aligned with the desired objectives, preventing them from drifting too far off course.
Insights
Research on financial planning against specific goals unveiled insightful details about people's investment philosophies and approaches. A few of the most common responses -
"I prefer a comprehensive experience within a dedicated platform as opposed to constantly switching between different apps"
"Most products I use today doesn't show me a straightforward way on how to track my investments against a goal. I individually need to see each investment to see the progress"
"I question the credibility of AI when it comes to data integrity and its source to make recommendations. I need more data to make informed choices before I invest my money"
Three main themes emerged based on peoples' concerns -
Clarity: Goal Tracker and flexibility to invest or withdraw freely
Credibility: Credibility of suggestions given and more data to make informed choices
Ease of use: An easy way to engage with a single product to track investments
"HMW design a user-friendly goal-based investing experience that offers clear goal definition, effortless tracking, and intuitive portfolio management, empowering users to confidently navigate their investment journey"
Tailored Goal Setting
Magnifi streamlines the goal-setting process by offering a curated list of the 10 most common investment goals (dream vacation, homeownership, retirement, etc.). Selecting a goal triggers a series of personalized questions designed to:
Uncover users' motivation: These questions delve deeper into your aspirations, helping you articulate your reasons for achieving this goal.
Assess their financial fitness: By understanding your current financial situation, Magnifi can tailor investment strategies to your unique circumstances.
This personalized approach ensures your investment journey is well-defined and aligns with your specific goals and financial reality.
Personalised Investment Projections
Building upon the above answers, Magnifi crafts personalized investment projections. This includes:
Investment trend visualisation: A user is presented with a clear visual representation of their projected investment trajectory, helping them understand how their portfolio might grow over time.
Estimated portfolio growth: Based on a users answers and market data, Magnifi provides an estimated range for their portfolio's potential growth within the chosen timeframe.
This data empowers users to make informed investment decisions aligned with ones goals and risk tolerance.
Building a Custom Portfolio
If a user is feeling confident about their projected portfolio growth, Magnifi crafts a custom investment portfolio specifically designed to achieve their goals. This personalized portfolio features:
Hand-picked holdings: The AI engine carefully selects investment options tailored to a users risk tolerance, time horizon, and financial situation.
Goal-aligned strategy: The portfolio composition directly aligns with their chosen goal, ensuring that the investments are working towards the desired outcome.
Taking Control of Ones' Investments
If a user decides to proceed with the investment, they can then decide to independently manage their portfolio or opt for Magnifi to handle the portfolio, offering a seamless management experience. With regular rebalancing, Magnifi ensures ongoing portfolio alignment, reducing user intervention to the simple task of funding.
Guiding New Investors
Magnifi understands that not everyone has a predefined investment goal. For those new to investing, Magnifi offers a dedicated discovery flow. This interactive experience helps one:
Uncovering their investor persona: Through a series of questions, Magnifi assesses ones risk tolerance, investment style, and financial objectives. Based on their responses, we identify your investor persona (example below).
Curated portfolio options: Once an investor persona is established, Magnifi presents a selection of pre-built portfolios tailored to their risk profile and investment style. These portfolios follow the same seamless user journey as those built around specific goals.
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