Korea Investment & Securities revamps pension app, targets closer client management

Korea Investment & Securities said on Oct 6 that it had overhauled the pension services offered through its mobile trading system, or MTS. The company said the revamp simplifies complex pension procedures and strengthens personalized functions, including customized alerts based on customer data. CBS NoCut News reported the company presented the changes at a briefing at TP Tower in Yeouido, Seoul, the same day, demonstrating a revamped pension home screen, a “my total pension assets” view and personalized alerts. [ 1 , 2 , 3 , 4 ]

The company said the overhaul responds to structural changes in the retirement pension market, where it said debate over mandatory enrollment is widening and subscribers to defined contribution, or DC, plans are getting younger, moving retirement preparation earlier. Yonhap reported the company’s average age of new DC subscribers fell from 40 in 2015 to 36 in 2025, and that customers’ average pension receipt rate rose from about 11% in 2015 to 85% in 2025. Bloter, reporting from the briefing, described the same subscriber-age trend as falling to 36 last year, and said the share of the firm’s retirement and personal pension assets managed directly by individuals — DC, individual retirement pension and pension savings — reached 79.6% at end-June, up 8.1 percentage points from the end of last year. [ 1 , 3 , 4 ]

Hwang Yun-hee, a team leader in the company’s digital pension division, said at the briefing that “the subject of pension management is moving from companies to individuals,” according to Bloter, and that management after enrollment is becoming a factor in pension providers’ competitiveness. Kim Do-hyun, head of the firm’s individual customer group, said the company intends to be first in the pension business and plans to connect private bankers’ capabilities and the investment bank’s corporate network to pension services, Bloter reported. Choi Jong-jin, head of the pension innovation division, said in the Yonhap and CBS NoCut News reports that as the market changes structurally, pension providers need to go beyond simply attracting subscribers or managing returns to offer a comprehensive pension platform covering a customer’s whole life, and said the firm would keep refining its customer-tailored platform. [ 3 , 4 ]

Bloter reported that the “my total pension assets” screen groups pension holdings scattered across systems and accounts by product, showing composition and returns and linking directly to trading, with exchange-traded fund trades reflected in balances and cash in real time. A “to-do” function guides customers who have opened an account without depositing, or deposited without investing, and account screens show additional contribution limits and risk-asset ratios, with receipt application information for those eligible to draw pensions. Bloter reported the company said the current revamp is 20-30% complete against its target, and that it plans to offer model portfolios built in-house and tailored to customers’ risk profiles, plus AI-based product analysis and post-retirement withdrawal planning. [ 3 ]

On market position, Bloter put the firm’s combined retirement and personal pension assets at 37.3142 trillion won at end-June, third in the industry and up 33.7% from the end of last year. It reported Mirae Asset Securities at 80.8059 trillion won and Samsung Securities at 43.0793 trillion won, first and second, with growth rates of 39.7% and 39.8%. The gap between Korea Investment & Securities and Samsung Securities widened to 5.7650 trillion won at end-June from 2.9078 trillion won at the end of last year, Bloter reported. [ 3 ]