The idea is to create a digital platform that allows retail investors to manage their own individual bond portfolios. Unlike bond funds that pool investments and often yield lower returns, an individual bond management platform would empower users to select and manage their own bonds, providing greater control over their investments. Users could choose from various bonds that are rated, have transparent performance metrics, and can be held to maturity for predictable returns. The platform could offer tools for tracking bond performance, notifications for new bond offerings, and insights on market trends. This could appeal particularly to investors who are disillusioned with traditional bond funds due to their lower historical returns compared to equities. By focusing on investment-grade bonds and providing educational resources on bond investing, the platform could cater to both new and experienced investors looking for a more personalized approach to fixed-income investing.