AI-Powered Withdrawal-Stage Portfolio Strategies for Individual IRP Customers
Non-Face-to-Face Service to Launch Sequentially in Q1 Next Year Following In-Person Service
Hana Bank announced on December 31 that it will be the first in the banking sector to introduce the 'AI Pension Investment Withdrawal Solution' service, which enables systematic yield management at the time of pension withdrawals, as the importance of not only accumulation but also management and withdrawal stages is growing in the domestic retirement pension market.
The 'AI Pension Investment Withdrawal Solution' is a service that provides portfolio suggestions and other withdrawal-stage management strategies powered by AI, helping customers with individual IRPs secure stable cash flow during their pension withdrawal period in line with their retirement income goals.
In particular, this service utilizes Goal Based Investing (GBI), which was independently developed in collaboration with Hana Financial TI’s in-house independent company (CIC, Company In Company), the Hana Financial Convergence Technology Institute. The solution features the development of a new deposit product recommendation model, advancement of asset allocation models, shorter rebalancing cycles, and scenario-based verification, resulting in a comprehensive pension management model covering all stages of a customer's life cycle.
Through the 'AI Pension Investment Withdrawal Solution,' Hana Bank plans to provide a variety of investment strategies that comprehensively reflect each customer's withdrawal period, frequency, and amount targets, pension asset size, risk tolerance, and market environment.
Additionally, starting in the first quarter of 2026, Hana Bank will sequentially launch the non-face-to-face 'AI Pension Investment Withdrawal Solution' service through its flagship mobile banking app 'Hana One Q' and internet banking, thereby improving accessibility for customers who find it difficult to visit branches.
An official from Hana Bank’s Pension Product Support Department stated, "With the launch of the 'AI Pension Investment Withdrawal Solution' service, customized asset allocation by asset type is now possible, and rebalancing every six months will enable close response to changes in market conditions. As the importance of withdrawals is increasing alongside accumulation due to rising life expectancy, we will continue to develop a variety of products and services to support successful pension asset management for customers entering the withdrawal phase."
?
© The Asia Business Daily(www.asiae.co.kr). All rights reserved.
