Ipygg

most millionaires and billionaires have a private bank or wealth manager helping them to grow and manage their wealth. however, in hong kong, 62% of millennials live from paycheck to paycheck and 30% of the bankruptcy cases come from millennials due to overspending habits with their credit cards. ipygg helps millennials to save unconsciously, which is the way users save unconsciously while spending with the linked credit cards. it rounds up the purchase amount to integer and saving the spread in ipygg. the amount in ipygg can be transferred into the investment portfolio automatically. we also provide robot-advisor for investment purpose, portfolios are classified from conservative to aggressive 6 portfolios which invest in the us etfs, we adopt academic theories to construct our portfolio and iterate the constituents according to the market situations and fluctuations. it maximises the expected return based on a given level of market risk. the expected return is from 3-15% and the