KB Securities, December Fint Launch IRP Robo-advisor Discretionary Service

December & Company, which operates the AI investment service 'Fint,' has partnered with KB Securities to launch an innovative Individual Retirement Pension (IRP) Robo-Advisor (RA) discretionary service. Its self-developed AI investment engine 'ISAAC' will handle the operations, and users can easily subscribe through KB Securities' mobile trading system (MTS) 'KB M-able.' This service precisely analyzes customers' investment propensities, expected rates of return, and risk preferences to establish an optimal asset allocation strategy, and automatically rebalances assets in response to market changes to continuously maintain an optimal portfolio. December's operational strategy, which particularly focuses on volatility management and the pursuit of long-term stable returns, is optimized for long-term asset management such as retirement pensions. In fact, it demonstrated excellence in the stability category at the KOSCOM Robo-Advisor Testbed, showing outstanding performance with low volatility (average standard deviation 4%) and maximum drawdown (average MDD -4.47%). This service offers five customized modes covering both global and domestic markets: aggressive 'Sport' and 'Cruise' modes, diversified investment 'Smart' and 'Comfort' modes, and the domestic dividend and interest-focused 'Eco' mode. All modes utilize ETF algorithms with short rebalancing cycles, responding nimbly to market changes. Based on its expertise in operating asset allocation strategies for the longest period among domestic RA firms, December is rapidly expanding its service area by forming partnerships for its retirement pension discretionary business with 11 financial institutions, the most in the industry. Starting with Samsung Securities and Korea Investment & Securities last April, it has continued successive collaborations with major financial institutions including NH Nonghyup Bank, KB Kookmin Bank, and IBK Industrial Bank of Korea. CEO Song In-sung emphasized the importance of retirement pension management for old-age preparation, expressing confidence that AI investment will become the new standard for long-term asset management.