Should I Build It Should I Build It
17 May 2025
Fintech Investing

A personalised investment co-pilot with portfolio tracking, ...

...multi-asset class - with automatic data collection, portfolio and market analysis and investment ideas

Confidence
Engagement
Net use signal
Net buy signal

Idea type: Swamp

The market has seen several mediocre solutions that nobody loves. Unless you can offer something fundamentally different, you’ll likely struggle to stand out or make money.

Should You Build It?

Don't build it.

Your are here

You're entering a crowded space with your personalized investment co-pilot idea. Our analysis places you in the 'Swamp' category, which means there are already many similar solutions out there, and most haven't really taken off. With 10 similar products identified, competition will be tough. The average engagement (number of comments) is low, around 3, suggesting that the existing solutions aren't generating much excitement. Since there's no buy or use signals available from other similar products, there is no clear signal from the market if users would adopt this kind of solution or not. Given this context, you'll need to bring something truly innovative to the table if you want to stand out. Otherwise, you may find it difficult to gain traction or achieve profitability.

Recommendations

  1. Before diving in, conduct thorough research to understand why existing investment co-pilot solutions haven't achieved widespread success. Analyze their shortcomings and identify unmet needs in the market. Look at products like 'Principal' mentioned in similar launches and see the criticism around security, data privacy, depth of insights and limited institution support and make sure you address these issues in your offering.
  2. If you decide to proceed, focus on a specific, underserved niche within the investment space. Are you targeting beginners, high-net-worth individuals, or a particular type of investment strategy? Narrowing your focus will allow you to tailor your product and marketing efforts more effectively. Also keep in mind the issues raised about geographical limitations of the offering such as those raised for 'Pebble Finance'.
  3. Consider building tools or integrations for existing investment platforms and providers. Instead of creating a standalone product, you could enhance the functionality of established solutions. This could be a faster and less risky way to enter the market and gain traction.
  4. Explore adjacent problems in the financial space that might be more promising. Are there unmet needs in areas like financial planning, debt management, or retirement savings? Expanding your scope could reveal a more viable business opportunity.
  5. Given the challenges in this space, it might be wise to re-evaluate your idea and save your resources for a more promising opportunity. Don't be afraid to pivot or explore entirely different ventures. As noted by similar product launches, there are concerns that these tools might overpromise and underdeliver with generic advice, so it's critical to figure out how to avoid this pitfall.
  6. Prioritize robust security measures and data privacy protocols from the outset. Users in similar products have voiced concerns about security, so addressing these issues proactively can build trust and differentiate your product. Implement features like two-factor authentication (2FA) and transparent data handling policies.
  7. Ensure your AI-powered insights are not generic but provide tangible, actionable advice. Focus on delivering real-world results and demonstrating the value of your platform through concrete examples. As Pocket Adviser is helpful for those with little stock market experience, explore how to provide insights that are helpful for the more experienced user.
  8. Expand your platform's compatibility with a wider range of financial institutions and investment types. Limited institution support was a recurring criticism in similar products, so broadening your coverage can attract a larger user base.

Questions

  1. Given the low engagement with existing investment co-pilot solutions, what specific and unique features will your product offer to capture and retain user attention?
  2. How will you address the security and data privacy concerns that have been raised by users of similar products, and what measures will you take to build trust and transparency?
  3. Considering the potential for overpromising and underdelivering with AI-driven investment advice, how will you ensure that your platform provides tangible, real-world results and avoids generic recommendations?

Your are here

You're entering a crowded space with your personalized investment co-pilot idea. Our analysis places you in the 'Swamp' category, which means there are already many similar solutions out there, and most haven't really taken off. With 10 similar products identified, competition will be tough. The average engagement (number of comments) is low, around 3, suggesting that the existing solutions aren't generating much excitement. Since there's no buy or use signals available from other similar products, there is no clear signal from the market if users would adopt this kind of solution or not. Given this context, you'll need to bring something truly innovative to the table if you want to stand out. Otherwise, you may find it difficult to gain traction or achieve profitability.

Recommendations

  1. Before diving in, conduct thorough research to understand why existing investment co-pilot solutions haven't achieved widespread success. Analyze their shortcomings and identify unmet needs in the market. Look at products like 'Principal' mentioned in similar launches and see the criticism around security, data privacy, depth of insights and limited institution support and make sure you address these issues in your offering.
  2. If you decide to proceed, focus on a specific, underserved niche within the investment space. Are you targeting beginners, high-net-worth individuals, or a particular type of investment strategy? Narrowing your focus will allow you to tailor your product and marketing efforts more effectively. Also keep in mind the issues raised about geographical limitations of the offering such as those raised for 'Pebble Finance'.
  3. Consider building tools or integrations for existing investment platforms and providers. Instead of creating a standalone product, you could enhance the functionality of established solutions. This could be a faster and less risky way to enter the market and gain traction.
  4. Explore adjacent problems in the financial space that might be more promising. Are there unmet needs in areas like financial planning, debt management, or retirement savings? Expanding your scope could reveal a more viable business opportunity.
  5. Given the challenges in this space, it might be wise to re-evaluate your idea and save your resources for a more promising opportunity. Don't be afraid to pivot or explore entirely different ventures. As noted by similar product launches, there are concerns that these tools might overpromise and underdeliver with generic advice, so it's critical to figure out how to avoid this pitfall.
  6. Prioritize robust security measures and data privacy protocols from the outset. Users in similar products have voiced concerns about security, so addressing these issues proactively can build trust and differentiate your product. Implement features like two-factor authentication (2FA) and transparent data handling policies.
  7. Ensure your AI-powered insights are not generic but provide tangible, actionable advice. Focus on delivering real-world results and demonstrating the value of your platform through concrete examples. As Pocket Adviser is helpful for those with little stock market experience, explore how to provide insights that are helpful for the more experienced user.
  8. Expand your platform's compatibility with a wider range of financial institutions and investment types. Limited institution support was a recurring criticism in similar products, so broadening your coverage can attract a larger user base.

Questions

  1. Given the low engagement with existing investment co-pilot solutions, what specific and unique features will your product offer to capture and retain user attention?
  2. How will you address the security and data privacy concerns that have been raised by users of similar products, and what measures will you take to build trust and transparency?
  3. Considering the potential for overpromising and underdelivering with AI-driven investment advice, how will you ensure that your platform provides tangible, real-world results and avoids generic recommendations?

  • Confidence: High
    • Number of similar products: 10
  • Engagement: Low
    • Average number of comments: 3
  • Net use signal: 14.4%
    • Positive use signal: 19.1%
    • Negative use signal: 4.7%
  • Net buy signal: -4.7%
    • Positive buy signal: 0.0%
    • Negative buy signal: 4.7%

This chart summarizes all the similar products we found for your idea in a single plot.

The x-axis represents the overall feedback each product received. This is calculated from the net use and buy signals that were expressed in the comments. The maximum is +1, which means all comments (across all similar products) were positive, expressed a willingness to use & buy said product. The minimum is -1 and it means the exact opposite.

The y-axis captures the strength of the signal, i.e. how many people commented and how does this rank against other products in this category. The maximum is +1, which means these products were the most liked, upvoted and talked about launches recently. The minimum is 0, meaning zero engagement or feedback was received.

The sizes of the product dots are determined by the relevance to your idea, where 10 is the maximum.

Your idea is the big blueish dot, which should lie somewhere in the polygon defined by these products. It can be off-center because we use custom weighting to summarize these metrics.

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