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December & Company Inc.

About this app

The Age of AI: Invest with AI! Invest simply with Finto

■ AI Investment: AI manages investments automatically based on your chosen strategy

• AI buys and sells stocks based on your selected stock and bond ratios

• Individual stocks can be added to your portfolio using the 'Add Stock' function

• Select your preferred style, such as AI, Leading Stock, Index, Value, Growth, or Dividend

• Receive transparent notifications whenever the AI ​​buys or sells stocks

• Automatic rebalancing managed by AI through financial data analysis

■ Aggressive investment aiming for high returns: US/Korean stock investment

• Selects stocks with a high probability of rising in 6 months

• Selects the top 20 stocks using AI machine learning technology

• Algorithms verified by over 6 years of operational performance

• Choose between US or Korean stocks based on your preferred market

■ US Dividend Stocks: If you want high stock returns and dividends

• Selects stocks with high dividend yields and dividend growth rates

• Selects US stocks with a high probability of rising in 6 months

■ Long-term investment managing risk: Global ETFs

• Diversified investment in ETFs across stocks, bonds, commodities, etc., to reduce the risk of loss Pension savings that excel in everything from tax benefits to retirement preparation

■ AI analyzes market phases to adjust weightings for sector and bond ETFs, and responds to market phases with Korean ETFs

• Analyzes the market daily to determine bull and bear phases

• Invests aggressively by shifting up to 100% of sector ETFs in a bull market

• Invests defensively by shifting up to 80% of bonds in a bear market

■ AI trainer tailored to your retirement pension, IRP Advisory

• Offers suggestions based on analysis of investment propensity, asset management style, and retirement timing

• Customizable options include AI-recommended stocks and adding your own preferred stocks

• AI resolves trading hassles through bulk orders

■ Investment returns and tax benefits at once, ISA Advisory

• Fint's unique, differentiated ISA customized strategy

• Asset rebalancing in response to market changes

• Systematic operational support from contributions to tax benefits

■ General Advisory if you are looking for a new US stock investment strategy

• US Next Paradigm Strategy investing in US stocks expected to rise next

• US Governance Strategy investing in sustainable companies

■ External advisors whose returns and stability have been directly verified by Fint

• Forest Tech Plus, investing in global AI and tech companies

• Maintaining optimal weighting through global asset diversification and active rebalancing

■ Monthly Dividend Investment in Dollar Bonds for Regular Investment Income

• Seeking stable monthly investment returns

• Seeking monthly dividends through interest income from US-listed short-term bond ETFs

■ Investing in Korean Won Bonds for Stable Interest Income in a High-Interest Rate Era

• Seeking excess returns compared to market rates

• Investing in maturity-matched bond ETFs

■ Global diversified investment in various funds with small amounts

• Meticulous asset building starting with just 10,000 won

• Suitable for long-term investment through fund investing that enhances the value of small investments

■ US/Korean Theme Investment, selecting popular themes and promising stocks

• Selection of popular themes with high growth potential, constantly updated

• Create a portfolio with your desired themes and stocks, and AI will trade automatically

• AI provides Top 6 by Theme, Recommended Portfolios, and scores for each stock

■ Fint Customer Center

• KakaoTalk @fint

• Phone [phone]

• Email: [e-mail]

Hello. This is December & Company, the operator of the AI ​​investment service, Fint.

Fint, which has been under development and operation for 11 years since our company was established in 2013, is growing rapidly thanks to the support of our customers. Based on a customer-centric mindset and outstanding technology, we will continue to work hard to create a world where anyone can invest easily!

Thank you for always using Fint.

Reviewed by December & Company Compliance Officer No. 2026-289 (September 2, 2026 – September 1, 2029)

• (Unprotected Financial Product) This financial product is not protected under the Depositor Protection Act.

• Investment contracts may result in partial or total loss of the principal investment due to fluctuations in asset prices, exchange rates, etc., and such losses shall be borne by the investor.

• Investors have the right to receive sufficient explanation from the Company regarding investment contracts (discretionary management and advisory services). Please be sure to read the product prospectus and terms and conditions before investing.

• A basic fee is charged for discretionary investment contracts.

• The basic fee for discretionary investment contracts is 0.768% per annum (0.064% per month) (December ISAAC Asset Allocation Domestic/Overseas/Fund Type) / 1.176% per annum (0.098% per month) (December US Equity Solution, December Korea Equity Solution, December US Equity Model W), and is collected monthly in arrears.

• For retirement pension discretionary investment contracts, you may choose between the Basic Fee and the Mixed Fee.

• (When selecting the Basic Fee) For retirement pension discretionary investment contracts, the Basic Fee is collected, and the Basic Fee is 0.064% per month (0.768% per annum), collected monthly in arrears. • (When selecting the Mixed Fee Type) The mixed fee for the Retirement Pension Investment Management Contract is collected by combining a basic fee and a performance fee. The basic fee is 0.042% per month (0.504% per year) and is collected monthly in arrears, while the performance fee is determined by agreement with the client.

• The fee for the AI ​​Investment Advisory Contract is based on a basic fee. The basic fee is 0.768% per year (0.064% per month) (Fint ETF Advisory Solution), 1.176% per year (0.098% per month) (Fint Stock Advisory Solution), or 1.896% per year (0.158% per month) (Forest Tech Plus), and is collected monthly in arrears.

• The fee for the Thematic Investment Advisory Contract is a fixed fee, which is 4,900 KRW per month.

• The Robo-advisor does not guarantee investments tailored to the client or the achievement of returns. • We have passed the Robo-Advisor Testbed.

• The results of the Robo-Advisor Testbed review do not guarantee the quality or profitability of the algorithm.

• The Robo-Advisor algorithm used for discretionary investment management is identical to the algorithm used for Testbed operations; however, returns per customer account may differ slightly from the publicly disclosed returns in the Testbed due to factors such as the policyholder's option selection, the start of operations, and the time of order execution.

• Additional fees, commissions, securities transaction costs, and other expenses may apply.

• (Pension Savings) Discretionary investment management/advisory fees are collected from the pension savings account; this may affect tax credits or result in the imposition of Other Income Tax (16.5%).

• (IRP/Pension) If you terminate the pension savings contract prematurely before the contract period expires, or receive the funds in a form other than a pension after the contract period ends, Other Income Tax (16.5%) may be applied to the principal contributions and profits for which tax credits were received. • (ISA) In the event of early termination or notification of ineligibility by the National Tax Service, an additional tax equivalent to the income tax to which special tax treatment was applied will be collected.

• (Brokerage Type) With a brokerage-type ISA, investors directly select and manage the investment products.

• (ISA) Since capital gains from the trading of domestic listed stocks are tax-exempt, any losses incurred in domestic equity funds cannot be offset against profits generated from deposits or other funds within the ISA.

• Fint is an investment management service provided by December & Company.

• Fint Retirement Pension (IRP) Investment Management is an investment management service provided by December & Company.

• Fint AI Investment Advisory is an investment advisory service provided by December & Company.

• Fint Theme Investment Advisory is an investment advisory service provided by December & Company.

What’s new

2.10.22
[업데이트]

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