6th Anniversary of 'Fint': Average Investment Per User Quadruples

December & Company announced on April 30 that it has been six years since the launch of its AI-powered simple investment platform 'Fint,' and that the average investment per user has increased fourfold compared to 2020.

The average investment per customer, combining both general and pension accounts, grew by 298%, from 1.78 million won in 2020 to 7.08 million won as of April 2025. December & Company explained that focusing on service innovation and diversification to meet customers’ segmented needs has been the key driver of this sustained growth.

According to the Koscom RA Testbed, as of the end of last month, 81% of discretionary service contract holders at RA companies that passed the testbed are Fint customers, and Fint manages 65% of the total assets under management. Last year, the total assets under management (AUM) for all robo-advisor (RA) discretionary investments increased by 89.6 billion won compared to the previous year, with 88.2 billion won of that flowing into Fint. The total balance of Fint’s discretionary accounts has also steadily increased, surpassing 427.3 billion won as of now.

Low volatility and excellent management capability have been cited as the driving forces behind this growth. For example, the 'December ISAAC Asset Allocation Global' algorithm posted a two-year return of 32.16% as of April 28, 2025, ranking first among asset allocation algorithms in the Koscom RA Testbed.

Launched in April 2019 as Korea’s first AI discretionary investment service, Fint has led the popularization of RA investing by introducing a variety of investment strategies under the philosophy of “Investment, Made Easy, Automatically.” The ease of access to one-on-one customized discretionary investment services contributed to word-of-mouth growth, and the platform reached 1 million cumulative members in less than four years after launch. Even during periods of heightened financial market volatility due to complex variables, Fint has demonstrated long-term and stable performance through data-driven investing. This has lowered the entry barrier for AI investment and attracted a significant influx of financially capable middle-aged and older customers.

Fint is expanding its lineup of financial investment strategies so that investors can experience simple investing in everyday life through various methods. Its proprietary AI investment engine, ISAAC, provides “AI Investment,” which offers customized portfolios for each customer based on model portfolios, and “Thematic Investment,” which supports investment decision-making by providing data analyzed by ISAAC. Through these, Fint delivers a diverse range of discretionary and advisory services.

Since ISAAC automatically builds portfolios tailored to individual investment preferences and manages trading and rebalancing according to market trends, even customers who find investing tiring or difficult can use the service conveniently.

As the diversity and stability of the service have drawn attention, the age range of Fint users has broadened. Currently, customers aged 40 and above account for about 59% of the total, a 3.5-fold increase from 17% in 2020. Whereas the early stage was dominated by MZ generation early adopters, the sharp increase in middle-aged and older customers with ample investment experience and funds is seen as a sign that the service is approaching mass adoption.

Song Inseong, CEO of December & Company, said, “Over the past six years, Fint has quickly identified changing financial investment trends and investor needs, introducing core strategies that allow customers to invest easily and conveniently.” He added, “This year, we will leverage our technology and expertise specialized in long-term management to successfully establish ourselves in the retirement pension discretionary market, and continue to drive innovation so that Fint can become the hub of financial investment services.”