● Wealth AI Engine GLOBAL · LIVE
◆ Wealth Forecasts Running 8.4M members
● Avg Portfolio Growth +22% over 24 months
◆ AI Predictions 93.8% accuracy
● Members on Track 74% vs 41% baseline
◆ Countries Served 180 globally
● Goal Achievement Rate +61% vs uncoached
◆ Investment Products Linked Stocks · Bonds · Property
● Wealth AI Engine GLOBAL · LIVE
◆ Wealth Forecasts Running 8.4M members
● Avg Portfolio Growth +22% over 24 months
◆ AI Predictions 93.8% accuracy
● Members on Track 74% vs 41% baseline
◆ Countries Served 180 globally
● Goal Achievement Rate +61% vs uncoached
◆ Investment Products Linked Stocks · Bonds · Property
zung.ai Global · Predictive Wealth & Growth
See their future.
Shape it now.
AI-powered foresight.
zung.ai's predictive wealth engine gives every member a live, personalised view of their financial future — projecting wealth trajectories, identifying risks 12–24 months ahead, and automatically recommending the exact portfolio of savings, investments, and insurance products needed to keep them on track for their goals.
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Trusted by 65+ institutions growing wealth for 8.4M+ members across 180 countries
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10-Year Wealth Projection
$142,800
↑ +284% projected
Today
▲ Forecast
Year 10
On track for retirement goal. At current savings rate + proposed T-Bill allocation, you reach $142K by age 55.
Gap detected — Year 3. Projected cash shortfall of $2,400. Adding an emergency fund now closes it before it occurs.
📈 T-Bills 91d
🏦 Index Fund
🏠 Property REIT
🛡️ Life Cover
+284%
Projected Growth
93.8%
AI Accuracy
Year 55
Retirement
Wealth forecast — +284% in 10 yrs
Risk gap closed 3 yrs early ✓
Investment products
T-Bills / Bonds
Mutual Funds
Property REITs
Equities
Insurance
180 Countries
By the numbers
Foresight that changes financial outcomes
zung.ai's predictive wealth engine doesn't just show members their financial future — it actively reshapes it. Members with AI-powered wealth planning achieve dramatically better outcomes than those relying on annual reviews with a human advisor.
22%
Average portfolio growth over 24 months
61%
More members reach long-term goals vs uncoached
93.8%
Wealth forecast accuracy at 24-month horizon
8.4M
Members with live AI wealth projections globally
Core capabilities
Every member gets their own
AI wealth manager
A complete AI wealth intelligence layer — projecting the future, detecting risks before they materialise, recommending the right product mix, and adapting every plan in real time as life changes — for every member, at every income level, in every country.
Predictive Wealth Trajectory Modelling
AI models every member's personalised wealth trajectory out to 30 years — incorporating current savings rate, income growth assumptions, investment returns, inflation, life events, and goal milestones — updated live with every transaction and presented as an intuitive dashboard the member can interact with.
30-Year Live Projection
Future Risk Gap Detection
AI identifies wealth gaps 12–24 months before they become crises — cash shortfalls, insurance coverage gaps, retirement underfunding, education savings deficits — with specific, actionable recommendations on exactly what to change today to prevent the gap from opening.
12–24 Month Foresight
AI Portfolio Recommendation Engine
For each member's specific risk profile, time horizon, and goals, AI curates the optimal portfolio of locally available instruments — treasury bills, money market funds, equity index funds, property vehicles, and insurance — and rebalances recommendations as market conditions change.
Global Instruments
Life Event Planning Intelligence
AI detects and plans for upcoming life events — a baby expected based on age and demographic signals, a child approaching school age, an approaching retirement — and proactively adjusts savings recommendations, insurance suggestions, and investment timelines before the event impacts finances.
Life-Event Aware
Retirement & Goal Tracking
Members set long-term goals — retire at 55 with $200K, buy a home in 7 years, fund children's education — and the AI tracks progress against every goal in real time, alerting when they drift off course and recalculating the minimum required adjustments to get back on track.
Goal-Based Planning
Institutional Portfolio Intelligence
Beyond individual members, zung.ai gives your institution an aggregated AI view of the entire membership's wealth trajectory — identifying cohorts at risk of leaving, spotting untapped product cross-sell opportunities, and forecasting deposit base growth 12–18 months ahead.
Portfolio-Level Insights
How it works
From member data to
a personalised wealth plan
01
Financial profile built from every data point
AI ingests the member's complete financial picture — income patterns, savings history, existing investments, insurance coverage, family obligations, and declared goals — to build a dynamic baseline model that updates with every transaction and life event.
Complete Profile · Live02
Wealth trajectory modelled 30 years out
Using Monte Carlo simulation and market-calibrated return assumptions for each member's local market, AI generates a probabilistic wealth trajectory — showing the most likely outcome, best case, and worst case under different savings and investment scenarios.
Monte Carlo Simulation03
Gaps detected, products recommended
AI identifies every point where the projected trajectory falls short of a goal — retirement income, education cost, housing deposit — and calculates the exact minimum additional saving or investment needed to close each gap, with specific product recommendations to implement it.
Gap-to-Action · Specific04
Plan adapts as life evolves
When a salary changes, a baby arrives, markets shift, or a member draws down savings, the wealth model recomputes in real time and resurfaces updated recommendations. The member's wealth plan is always current — never a static document that becomes irrelevant within weeks.
Always Current · Adaptive
zung.ai Wealth
● LIVE
✓ Profile
⟳ Model
Gaps
Adapt
Financial Profile — Built
Monthly income$3,400 stable
Current savings rate14.2% / month
Existing investments$8,200 portfolio
Insurance coveragePartial · Gap found
Profile complete4 goals set
30-Year Trajectory — Modelled
YEAR 10
$142,800
YEAR 30
$612,000
93.8% CONFIDENCE AT 24-MONTH HORIZON
Goal Gaps — Detected
Home deposit · Year 682%
Education · Year 1464%
Retirement · Year 3091%
EDUCATION GAP: ADD $48/MO TO CLOSE BY 2031
Plan Updated — Life Event
Event detectedNew baby · Apr 2025
Plan recomputed✓ Instantly
New recommendationEducation fund
Insurance gap flaggedLife cover +$100K
Plan currentNew gaps closed
+284%
10-yr Growth
93.8%
Accuracy
30yr
Horizon
$612K at 30 years — on track
Education gap closed ✓
Member wealth journeys
AI wealth planning for
every life stage, globally
The same AI engine adapts to every member's life stage, income level, and local investment landscape — whether they're a first-time saver in Nigeria or a near-retirement professional in Germany.
First-Time Earners
Ages 18–28 · Early career · Global
Build the habit foundation — emergency fund in 6 months, first investment account by month 12, student debt or rental optimisation, and a 30-year wealth trajectory showing the compounding power of starting now.
Emergency fund in 6 months
First investment activated
30-year compound projection
Growing Families
Ages 28–42 · Peak earning · Global
Balance competing priorities — mortgage, education savings, retirement, and insurance — with AI allocating every additional dollar to the highest-impact goal and detecting when life events (new child, promotion, house purchase) require a full plan recompute.
Mortgage vs invest optimisation
Education fund timing
Life event plan adaptation
Peak Earners
Ages 40–55 · Max accumulation · Global
Maximise wealth accumulation in the highest-income years — tax-efficient instruments, diversified portfolio construction, real estate planning, and pre-retirement consolidation — with scenario modelling for early retirement or phased transition.
Portfolio optimisation
Tax-efficient structuring
Early retirement scenarios
Pre-Retirement Members
Ages 55–65 · Transition · Global
Shift from accumulation to preservation — sequence-of-returns risk management, drawdown planning, healthcare cost projection, and legacy/estate planning — with AI adjusting asset allocation monthly as the retirement date approaches.
Drawdown strategy planning
Healthcare cost projection
Asset allocation de-risking
Cooperative & SACCO Members
All ages · Collective wealth · Global
Maximise the cooperative advantage — share capital growth, loan-to-savings ratio optimisation, dividend reinvestment, and group investment schemes — with AI showing each member how their cooperative participation contributes to their personal wealth trajectory.
Share capital growth plan
Loan-to-savings optimisation
Group investment access
Business Owners & MSMEs
All ages · Mixed finances · Global
Separate personal wealth from business exposure — with AI distinguishing business and personal financial flows, building a personal wealth floor independent of business performance, and planning for business exit scenarios that protect long-term family wealth.
Personal vs business separation
Business exit wealth planning
Personal wealth floor building
Developer-first
Wealth intelligence
in every banking product
REST API and embeddable widgets to add live wealth projections, goal trackers, and product recommendations to your member app — without building the modelling engine yourself.
GET /v1/wealth/projection
// Get member wealth projection
const proj = await zung.wealth.projection({
member_id: "mbr_9kx2",
horizon_years: 30,
include: ["gaps", "products", "goals"]
});
// Response
{
"projected_10yr": 142800,
"confidence": 0.938,
"gaps": [{...}],
"recommended_products": [{...}]
}
const proj = await zung.wealth.projection({
member_id: "mbr_9kx2",
horizon_years: 30,
include: ["gaps", "products", "goals"]
});
// Response
{
"projected_10yr": 142800,
"confidence": 0.938,
"gaps": [{...}],
"recommended_products": [{...}]
}
Embeddable wealth chart widget
Drop-in React component showing live 30-year wealth projection, goal progress, and gap alerts — embed in your member portal in hours. Fully themed to match your brand.
Goal gap webhook alerts
Subscribe to real-time alerts when a member's trajectory drifts from their goal — triggering timely nudges, advisor alerts, or automated product recommendations.
Institutional portfolio analytics API
Aggregate wealth trajectory views across your entire membership — cohort analysis, product gap identification, and deposit base forecasting for your strategy and product teams.
Responsible AI & compliance
Regulated advice,
transparent everywhere
Every wealth recommendation zung.ai generates is clearly labelled as AI-generated guidance — not regulated financial advice — with all suitability assessments, risk disclosures, and regulatory requirements handled per each jurisdiction's investment services rules.
MiFID II / RDR Suitability Rules
Risk Profiling & Suitability Assessment
Explainable Recommendation Reasoning
GDPR / Local Data Privacy Compliance
SOC 2 Type II · ISO 27001
Projection Accuracy Disclosure
Risk Profiling Engine
Every member completes a risk assessment before receiving product recommendations — stored, versioned, and updated annually or on significant life events, per regulatory requirements.
Explainable Projections
Every forecast includes its key assumptions — interest rate used, savings rate assumed, return projections — so members and regulators can understand and challenge the model's basis.
Recommendation Audit Trail
Every AI recommendation logged with reasoning, member profile snapshot, and market conditions — immutable record for regulatory review, FCA/CMA inspection, and member dispute resolution.
Model Accuracy Monitoring
Projection accuracy tracked continuously — backtested monthly against actual outcomes, with automatic recalibration when real-world conditions diverge from model assumptions.
Integrations
Connected to every investment
product your members need
Pre-built connections to treasury platforms, stock exchanges, mutual fund providers, insurance companies, and core banking systems across 180 countries — so AI recommendations can be acted on instantly.
Bloomberg Data
Reuters / Refinitiv
NSE / JSE / BSE
Temenos CBS
Mutual Fund Platforms
Government T-Bill Portals
Jubilee · Britam · AXA
Mambu
Stripe · Flutterwave
Salesforce CRM
SWIFT GPI
+120 more
Give every member an AI wealth manager
The future of every member
is visible today.
Join 65+ institutions using zung.ai to give 8.4M+ members a personalised AI wealth manager — with live 30-year projections, gap detection, product recommendations, and +61% better goal achievement rates across 180 countries.
Live in 3 weeks
30-year horizon
180 countries
SOC 2 Type II