SeedInvest,AutomatedInvestmentAdviceAppPositioningStatementFormassmarketoraffluentconsumerswhoneedobjectivefinancialadviceatanaffordableprice,SeedInvestisamobileappthatprovidesfreetailoredinvestmentadvice.Unlikeexistingservicesprovidedbybanksorbrokerages,ourproductis100%tailoredtotheneedsoftheindividualanddoesnotpushsalesintoexpensivefinancialproducts.DetailedPersonaofMarkthemillenialyoungprofessionalMark is a millenial who is interested in stock market investments. Mark is a white collar professional and draws an annual income that puts him in the top quartile among his peers. While Mark would like to invest his money in the stock market, he does not have the time to do so. He has some knowledge about stocks investment but have no desire to be a pure DIY investor. Mark had explored talking to a financial advisor or bank relationship manager but they seem to be focused more on selling him investment products rather than giving him the best investment advice. It does not help that these people charge high fees that Mark does not feel is worth the money.

Mark is looking for a solution that will provide him recommendations on investing in the stock market at a reasonable fee. It will be great if he can be updated regularly on his portfolio and be educated on the latest news and events that impact his portfolio.

Thinks Marklikesinvestingforthemaingoalofcapitalgrowthand

savingforabigpurchaselikedownpaymentforahouse.Whathedoesn’tlikeistheamountoftimeneededtoconstructaportfoliothatsuithisneeds.Healsodoesn’thavethetimetomonitorhisportfolio.Whilehecaninvesthismoneywithprioritybankingmanagers,hefeelstheydon’tprovidegoodadviceandaremoreinterestedtosellhimproductsthatarenotagoodfitforhisgoals.Theirservicesarealsoveryexpensiveandhedoesnotfeelheisgettingvaluefromit.

Sees Markgetsmostofhisnewsandknowledgeaboutinvestingfromonlinearticles.Likemostmillenials,hedoesn’treadthephysicalnewspapersandreliesonwebsitesandsocialmediachannelssuchasFacebooktogetnewsaboutpersonalfinanceandinvesting.Markalsogetsrecommendationsfrompeerswhenevertheydiscusssuchtopicsoveragathering.

Feels Markknowstheimportanceofsavingsandinvestment.Besideswantingtosaveforbigticketitems,Markalsowantsaninvestmentportfoliothatcanprovidefundingintheeventofarainyday.Markhassomeknowledgeofinvestmentbutfeelshedoesnothaveenoughknowledgetomakeaneducateddecision.WhileMarkispreparedtotakerisks,readingaboutstockmarketplungesandinvestmentlossesscareshim.

Does Markisconstantlyonhisphone.Tasksheperformsonhisphonearereplyingemails,sendingtextmessages,readingnews,browsingsocialmediaandplayingsomegames.Markhasabusylifestyleduetohisheavyworkload.Thephoneservesashisprimarycomputingdeviceoutsideofhislaptopthatisusedmainlyforwork.

ProblemScenario+ValuePropositionProblemScenarios CurrentAlternatives ValuePropositionMarkneedsaffordableinvestmentadvicethatis100%tailoredtohis

Currentalternativesprovidedbyhumanadvisorsareexpensive

AfreemobileappthatwillassessMark’sinvestmentgoals,

investmentgoals,objectiveandrisktolerance

andtargetedatmakinghimbuyfinancialproducts.

objectivesandrisktoleranceviaquestionnairesandrecommendaportfolioofETFstailoredtoMark’sneeds.

Markwantstomonitorhisinvestmentportfolioandgetrelevantadvicebasedoncurrentmarketconditions.Markneedsthistobedonewithminimalinvolvementonhispart,ashelackstimetomonitorthemarketscontinuously.

Mark’sportfolioofstocksareheldinabrokeragefirm.However,thisrequiresconstantsupervisionbyhimandhehasnoideawhatneedstobedoneinsituationswherehisportfolioisexperiencingheavylosses.

AlgorithmsontheSeedInvestplatformwillmonitorMark’sinvestmentportfolioandprompthimwhenthereareeventsaffectinghisportfolioeg.brexiteventcausinglossesinEuropeanstocks.

Markneedsaffordablefinancialinstrumentsthathecaninvestin.

ExistingfinancialproductsinSingaporearemainlymutualtruststhatincurexpensivesaleschargesandannualfeesorlocalstocksthatincurexpensivebrokeragefees.

SeedInvestwillallowMarktoinvestinETFslistedintheUSstockmarket.InsteadofchargingMarkbrokeragefees,SeedInvestwillchargeMarkanannualfeeof0.8%ofthetotalassetshehadinvestedwithSeedInvest

Epic“‘AsMarkthemillennialprofessional,IwanttogetaffordabletailoredinvestmentadvicesoIknowhowtostructuremyinvestmentportfolio.”

ChildStory TestCasesIneedtoinformthesystemwhatmyinvestmentgoalsandrisktoleranceare

Haveasetofquestionnairesthatwillhelpassesstheuser’sinvestmentgoalsandrisktolerance

Ineedtoknowwhatthesystemrecommendsmyinvestmentportfoliotobe

SystemneedstogenerateaninvestmentportfoliobasedontheinputsprovidedbytheuserPortfolioneedstobevisualisedinagraphicalandeasilyunderstoodway