Traditional financial services tend to focus on the middle class and above, often overlooking everyday users. As a result, key financial needs at different stages of life go unsupported, limiting early planning and long term wealth accumulation.
The MAT system is a comprehensive wealth management engine that spans the full life cycle:
- Starting from the beginning to support early capital accumulation
For younger users, the system prioritizes recommendations for high growth assets and stable accumulation strategies.
It aligns with their saving ability and risk profile to help plan financial goals such as education funds, down payments for a first home, or startup capital. - Growth stage: optimizing allocation and improving capital efficiency
During career advancement and rising income phases, the system recommends diversified asset allocation to balance risk and return.
It dynamically adjusts portfolio ratios to reflect changes in work rhythm, consumption patterns, and family structure. - Consolidation stage: reducing volatility and securing results
For users entering higher net worth stages, the system emphasizes low volatility portfolios, partial fixed income allocation, and tax optimization tools.
The focus is on preserving value, achieving stable growth, and preparing structurally for retirement. - Retirement and legacy stage: ensuring stable cash flow and planning generational transfer
The system offers pension simulation, annuity withdrawal strategies, and healthcare funding mechanisms.
Users can link family member accounts and use authorized views and inheritance planning modules to lay out their wealth transfer strategy. - Dynamic adjustments across stages with strategies that evolve with the user
The system continuously monitors user age, goal completion progress, and shifts in risk tolerance. It automatically recommends or adjusts the most suitable financial paths, truly enabling one system to support every stage of life.