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Money Milestone

About this app

Money Milestone is an investment management tool that allows you to manage your assets and investment portfolio at a glance and verify your asset allocation strategies using data.

By entering your holdings, quantities, and average purchase prices, you can check your current asset status, returns by period, dividend trends, and asset class weightings. You can construct a portfolio using ETFs, stocks, gold, cryptocurrencies, and other assets of interest, and run backtests, retirement simulations, dividend simulations, and rebalancing checks based on historical data.

Money Milestone is designed to go beyond a simple return calculator and consider the account structures and tax conditions that Korean investors actually face. You can input brokerage, ISA, pension savings, and IRP accounts separately to compare stock compositions, contributions, and tax effects for each account.

Key Features

• Manage My Assets

You can check your holdings, valuation amount, daily returns, returns by period, and asset class weightings. You can aggregate the same stocks held across multiple accounts and, if necessary, check them separately by account.

• Portfolio Saving and Comparison

You can save multiple portfolios and compare performance based on their constituent stocks and weights. Saved portfolios can be recalled from various screens, such as the investment calculator, backtesting, retirement planning, and dividend calculation.

• Asset Allocation Backtesting

You can check the historical performance of various asset combinations, including stocks, ETFs, bonds, and gold. You can compare the flow of various strategies using CAGR, MDD, volatility, and Sharpe indicators, as well as risk-return charts and trend overlays.

• Rebalancing Strategy Check

You can check the difference between your target weights and current weights, and calculate which asset classes have deviated from the target. You can also backtest portfolios considering rebalancing to verify if results differ from a simple holding strategy.

• Korean-style Tax Simulation

You can calculate after-tax results reflecting entrusted accounts, ISA, pension savings, and IRP accounts. Dividend tax, capital gains tax, ISA maturity taxation, pension account tax credits, pension withdrawal tax, and the possibility of comprehensive taxation on financial income are all reflected in the investment simulation.

• Multi-Account Simulation

Real-world investors do not use just one account. Money Milestone assumes a scenario where an ISA, entrusted funds, pension savings, and IRP are managed simultaneously, displaying both individual account results and aggregated results. You can also consider ISA contribution limits, pension contribution limits, and differences in investable assets per account.

• Tax Savings Comparison

It estimates tax savings by comparing the taxes incurred when all assets are managed in an entrusted account with the taxes generated from the actual account composition. You can verify how after-tax results differ due to ISA, pension accounts, tax-saving sales, etc.

• ISA Conversion Calculation

You can compare whether to sell assets in the entrusted account and transfer them to an ISA, or to continue managing them in the entrusted account. You can use this information to determine whether to convert by considering both the taxes incurred from the current sale and future ISA tax benefits.

**ISAC Conversion Calculation** • Dividend and Retirement Simulation

You can work backward to calculate the initial capital and monthly investment required to achieve your target dividends, or calculate the results of dividend reinvestment. In retirement planning, you can assess the sustainability of your retirement funds based on target withdrawal amounts, survival probabilities, and residual asset flows.

• Quick Calculator

Provides calculators for compound interest, dividend reinvestment, inflation-based living costs, and real purchasing power. You can check long-term investment results by quickly adjusting default assumptions without running heavy backtests.

• Market and Macroeconomic Indicators

Provides data that can be used as a reference for investment decisions, such as major market indices, exchange rates, interest rates, prices, money supply, and commodities. You can overlay multiple indicators and view economic schedules and major announcement dates simultaneously.

• Notification Function

You can receive notifications based on user-set conditions, such as watchlist prices, daily fluctuations, new highs and lows, rebalancing criteria, and economic schedules.

Money Milestone does not provide actual securities trading, order execution, account opening, asset custody, transfers, or payment functions. Furthermore, we do not provide buy or sell recommendations for specific stocks or personalized investment advice.

The information and calculation results provided by this app are for investment reference only, and the user is solely responsible for actual investment decisions and their outcomes. Market prices and indicator data may be delayed or differ from actual values, and tax calculation results are estimates based on input values ​​and assumptions.