Pascal Capital aims to cover users of all ages, offering tailored financial advice based on life stages. Traditional financial services often focus on middle- and high-income groups, neglecting ordinary users who lack essential support at different life stages.
The ARX system spans the entire life cycle, dynamically adjusting strategies to assist users from initial planning to retirement and inheritance.
- Starting phase: Recommends high-growth assets and capital accumulation strategies for young users, planning for key financial goals like education funds, home down payments, and startup capital.
- Growth phase: Suggests diversified asset allocation during career growth, balancing risk and return while adapting to career pace, consumption changes, and family adjustments.
- Maturity phase: Focuses on asset preservation, steady growth, and tax optimization for users in peak asset accumulation stages, preparing for retirement.
- Retirement and inheritance phase: Provides pension withdrawal simulations, annuity strategies, and medical expense planning while supporting family wealth inheritance with clear and orderly plans.
- Dynamic adjustments: Tracks users’ age, goals, and risk tolerance in real time, recommending the most suitable financial paths for every life stage.