MeRetiro

Description

MeRetiro is an investment assistant focused primarily on exchange-traded funds, with an ETF-first approach, designed to simplify the planning and management of long-term retirement portfolios. Its main goal is to help users define, build, and maintain a personalized retirement plan without requiring advanced technical finance knowledge.

The platform guides investors from initial profile setup to monthly investment decision-making. To do so, it lets users define key variables such as target retirement year, preferred currency, risk level, and minimum monthly contribution.

Based on that setup, users can build their portfolio by adding assets manually through ticker, ETF, or company name, or by uploading a screenshot from their broker. In that case, the system can automatically extract the asset ticker and value to simplify onboarding. Once the portfolio is created, with at least two holdings, the tool allows users to edit or remove positions and review both recent performance and historical pricing for each asset.

MeRetiro’s distinctive value lies in its analytical capabilities and target allocation algorithm. The application evaluates the portfolio according to the user’s profile and time horizon, classifying each asset by type and risk level based on historical volatility. It also analyzes geographic concentration risk and recent momentum to propose an ideal allocation that improves the balance between risk and return.

On top of this, the system uses Artificial Intelligence models to generate personalized recommendations in Spanish, highlighting alerts, key considerations, and possible portfolio adjustments. It also includes a highly practical monthly contribution calculator that shows how to distribute the money planned for the current month across the portfolio to move closer to the target allocation, prioritizing underweighted assets and avoiding unnecessary sales that could trigger tax or brokerage costs.

Value provided by Taniwa

Taniwa:

• Designed a guided workflow to simplify the creation and monitoring of personalized retirement plans.
• Integrated information extraction from broker screenshots to speed up asset onboarding.
• Structured the risk, concentration, and momentum analysis logic used to recommend target allocations.
• Added AI-generated recommendations and a practical system for optimized monthly contributions.

Technologies

• AI
• React
• TypeScript
• Supabase
• Stripe