Among office workers around age 55, the number of people who have allocated 30-50% of their DC-type retirement pension to S&P 500 ETFs has surged. During market crashes, they must decide alone whether to sell now or hold. Securities apps only show returns, not the reasoning linked to remaining years until retirement, expected payout, and tax implications. Fear-driven selling at the bottom repeatedly leads to losses of millions of won in retirement funds.
Solution
On the web, users input their DC-type retirement pension management status (ETF ratio, balance) and expected retirement date. The service visually compares 'probability of recovery by retirement', 'difference in final payout if switching to safe assets now', and 'three after-tax net income scenarios' against the current drawdown. It explains based on historical similar downturns (2020, 2022).
Target: Office workers aged 50-58 at large corporations or public enterprises, enrolled in DC-type retirement pensions, with experience in overseas ETF investments, 3-7 years before retirement.
Revenue Model: Basic simulation is free; personalized rebalancing report PDF is 5,000 KRW per report (~$3.75). Quarterly subscription report is 29,000 KRW (~$21.75).
Ecosystem Role: Education
MVP Estimate: 2_weeks
NUMR-V Scores
N Novelty
3.0/5
U Urgency
5.0/5
M Market
4.0/5
R Realizability
4.0/5
V Validation
5.0/5
NUMR-V Scoring System
N Novelty
1-5
How uncommon the service is in market context.
U Urgency
1-5
How urgently users need this problem solved now.
M Market
1-5
Market size and growth potential from proxy indicators.
R Realizability
1-5
Buildability for a small team with realistic constraints.
V Validation
1-5
Validation signal quality from competition and demand data.
N=.15 U=.20 M=.15 R=.30 V=.20
Feasibility (70%)
Tech Complexity
29.3/40
Data Availability
20.6/25
MVP Timeline
20.0/20
API Bonus
0.0/15
Feasibility Breakdown
Tech Complexity
/ 40
Difficulty of core implementation stack.
Data Availability
/ 25
Practical availability and cost of required data.
MVP Timeline
/ 20
Expected time to ship a usable MVP.
API Bonus
/ 15
Bonus for viable public API leverage.
Market Validation (74/100)
Competition
10.0/20
Market Demand
20.0/20
Timing
16.0/20
Revenue Signals
10.5/15
Pick-Axe Fit
10.5/15
Solo Buildability
7.0/10
Validation Breakdown
Competition
/ 20
Signal quality from competitor landscape.
Market Demand
/ 20
Demand proxies from search and mention patterns.
Timing
/ 20
Fit with current shifts in tech, behavior, and regulation.
Revenue Signals
/ 15
Reference evidence for monetization viability.
Pick-Axe Fit
/ 15
How well the concept serves participants in a trend.