Korea Investment & Securities revamps pension app, eyes No. 1 in retirement pensions
Version 2: Two additional business outlets have picked up the pension app briefing, one framing the revamped app as telling users what to do next and the other as hyper-personalisation, but no new facts or figures about the plan have emerged.
In short
Korea Investment & Securities held a briefing at its TP Tower office in Yeouido, Seoul, on Oct. 6 to present a revamped pension mobile trading system and a plan to become the top player in the retirement pension market. The company said the market already exceeds 600 trillion won and could top 1,000 trillion won within three years, and that it will combine its private banking and investment banking strengths. It ranks third among securities firms in retirement pension assets.
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Korea Investment & Securities held a pension MTS briefing at TP Tower in Yeouido, Seoul, on Oct. 6, presenting a revamped pension mobile trading system and its mid- to long-term business plan. Kim Do-hyun, head of the Individual Customer Group, said the retirement pension market has already passed 600 trillion won and is expected to exceed 1,000 trillion won within three years, and that the company is concentrating company-wide resources on the segment. The company said it aims to reach first place in the pension market, where it ranks third among securities firms. [ 1 , 2 , 4 ]
The company said its approach combines the asset-management capabilities of its private bankers with the investment banking division's corporate network, a model meant to serve both individual and corporate clients. Seoul Economic Daily reported that the company also brought in outside specialists and reorganized a dedicated unit. The same outlet said the company ranks third in retirement pension assets among securities firms and about tenth among all providers including banks, and that more than 70% of funds moved into its retirement pension accounts under the real-asset transfer system came from banks, with no reverse shift back to banks detected. [ 1 , 4 ]
The platform changes include a new independent “Pension HOME” tab placed at the same level as domestic and overseas stock tabs, which the company said offers product, investment and tax information in one place, and a “My Total Pension Assets” screen that shows accounts and products across defined contribution, individual retirement pension and pension savings plans on one page. The company presented lifecycle-based personalized screens, personalized alerts on deposits, idle assets and maturities, and real-time exchange-traded fund execution balances. It said pension MTS daily active users rose from about 250,000 at the end of last year to 330,000, and that it expects to exceed this year's target of 350,000. [ 1 , 2 , 3 , 4 ]
Executives framed the overhaul around a shift in who manages pensions. Figures presented at the briefing put the total pension market at 699 trillion won at the end of 2025, with 67.3% in individually managed DC, IRP and personal accounts. The company said the average age of new DC subscribers fell from 40 in 2015 to 36 in 2025, that its attrition rate stands at 1.8%, and that the share of customers receiving pension payments rose from 11% in 2015 to 85% in 2025. Choi Jong-jin, head of the Pension Innovation Division, said customers who start at 36 could stay with the company for 30 years until retirement at 65. [ 1 , 2 , 4 ]
Hwang Yoon-hee, a team leader in the Digital Pension Department, said the starting point of the changes was not adding functions but shifting the standard for pension services toward customers and the system. Maeil Business reported that the company will provide close private-banker consulting to individuals and link investment banking solutions for corporate clients. Asia Economy reported that the company plans to introduce expert model portfolio trading, AI-based product analysis and post-retirement withdrawal planning in stages, while Choi said the company would support risk management through an advanced robo-advisor. [ 2 , 4 ]
Why it matters
Retirement pensions are shifting from company-managed DB plans toward individually managed DC, IRP and personal accounts, which the documents say made up 67.3% of a 699 trillion won market at the end of 2025. Brokerages are therefore competing for customers who may hold assets for decades, making app convenience and advisory services a battleground. The company's stated goal of industry leadership is its own target, not an independently confirmed outcome.
Key facts
- Korea Investment & Securities held a pension MTS briefing at TP Tower in Yeouido, Seoul, on Oct. 6, 2026. [ 1 , 2 , 3 , 4 ]
- Kim Do-hyun, head of the Individual Customer Group, said the retirement pension market has already passed 600 trillion won and is expected to exceed 1,000 trillion won within three years. [ 1 , 2 , 4 ]
- The company said it aims to rank first in the pension market, where it currently stands third among securities firms. [ 1 , 4 ]
- The revamped system adds an independent “Pension HOME” tab at the same level as domestic and overseas stock tabs, a “My Total Pension Assets” screen and personalized alerts. [ 1 , 2 , 3 , 4 ]
- Pension MTS daily active users rose from about 250,000 at the end of last year to 330,000, against this year's target of 350,000. [ 1 , 2 ]
- The company said the total pension market reached 699 trillion won at the end of 2025, with 67.3% held in individually managed DC, IRP and personal pension accounts. [ 2 , 4 ]
- The company said the average age of new DC-type subscribers fell from 40 in 2015 to 36 in 2025, and that the share of customers receiving pension payments rose from 11% to 85% over the same period. [ 1 , 4 ]
Confirmed by several sources
- Korea Investment & Securities held a briefing at TP Tower in Yeouido, Seoul, on Oct. 6 and presented a revamped pension MTS and related strategy. [ 1 , 2 , 3 , 4 ]
- The company said the retirement pension market has surpassed 600 trillion won and could reach 1,000 trillion won within three years. [ 1 , 2 , 4 ]
- The company said it aims to become No. 1 in the pension market while currently ranking third among securities firms. [ 1 , 4 ]
- The revamped platform includes a “Pension HOME” tab, a “My Total Pension Assets” screen and personalized alerts. [ 1 , 2 , 3 , 4 ]
- Pension MTS daily active users are about 330,000 against a full-year target of 350,000. [ 1 , 2 ]
- The average age of new DC subscribers fell from 40 in 2015 to 36 in 2025, and the share of customers receiving pension payments rose from 11% in 2015 to 85% in 2025. [ 1 , 4 ]
- Kim Do-hyun, head of the Individual Customer Group, said pension is neither purely an individual nor a corporate area and that the company will link its PB and IB strengths to the pension business. [ 1 , 2 , 4 ]
- The company said the pension market reached 699 trillion won at the end of 2025, made up of 501 trillion won in retirement pensions and 198 trillion won in personal pensions. [ 2 , 4 ]
Still unclear
- Whether the company can reach first place in the retirement pension market within three years This is the company's own target stated at its briefing; the documents give no independent assessment or interim milestones.
- The 1.8% attrition rate for DC subscribers and the claim that more than 70% of transferred funds came from banks Both figures appear only in the Seoul Economic Daily report and are company-provided.
- Timing for the planned AI-based product analysis, expert model portfolio trading, robo-advisor support and post-retirement withdrawal design A single document says these will be introduced sequentially without giving dates.
- Full details of the Chosun Ilbo report Only a truncated feed summary was available, so its specifics could not be checked against a full text.
- The pension coverage by Korea Economic Daily and Newsis The readable text in those documents was largely unrelated material, so their pension coverage could only be read from the headlines.
What local media are saying
Timeline, local time
- Seoul Economic Daily publishes the first report on the briefing, the revamped pension MTS and the goal of leading the pension market. [ 1 ]
- Maeil Business reports the briefing and describes the new “Pension HOME” tab and personalized services. [ 2 ]
- Chosun Ilbo publishes a summary of the pension MTS overhaul and its savings, management and withdrawal functions. [ 3 ]
- Asia Economy reports the briefing, the market size figures and plans for AI-based analysis and withdrawal design. [ 4 ]
- Korea Economic Daily publishes a report headlined around the 1,000 trillion won pension market and the app telling users what to do now. [ 5 ]
- Newsis publishes a report framing the revamped MTS as hyper-personalisation and the company as targeting the top spot in retirement pensions. [ 6 ]