The Long View

Investment Portfolio Reallocation Platform

Market Gap: Investors need guidance on portfolio reallocation strategies.

This business idea centers around the creation of an investment portfolio reallocation platform that leverages market analysis and individual investor profiles to provide tailored reallocation recommendations. The platform would analyze market trends, valuations across different sectors, and individual risk preferences to suggest optimal portfolio adjustments. By offering insights on when to overweight or underweight specific categories like growth or value stocks, this platform could empower investors to make more strategic decisions. The target audience includes retail investors, financial advisors, and wealth management firms. Implementation could involve developing a user-friendly interface and integrating advanced analytics to deliver real-time recommendations.

From: Dave Sekera: Taking the Market’s Temperature

Retirement Spending Permission App

Market Gap: Retirees often hesitate to spend despite having adequate funds.

The Retirement Spending Permission App would serve as a digital tool to help retirees navigate their spending habits and provide them with the psychological reassurance they need to spend their savings comfortably. By integrating budgeting features with personalized spending guidelines based on their financial situation, the app would empower users to track their spending while also offering insights and motivational prompts to encourage meaningful expenditures. The app could include features like setting spending goals for experiences, reminders about the importance of enjoying their retirement, and success stories from other retirees. Target users would be retirees or pre-retirees looking to enhance their quality of life by spending more intentionally and joyfully.

From: Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like’

Interactive Financial Planning Workshops

Market Gap: Retirees need guidance to navigate financial uncertainties.

The Interactive Financial Planning Workshops would provide retirees with the tools and knowledge they need to navigate their financial futures confidently. These workshops would cover topics such as market volatility, safe withdrawal strategies, and the importance of diversification. Led by financial planning experts, the workshops would encourage active participation and provide real-life scenarios for attendees to work through. Providing interactive sessions would allow retirees to engage with the material, ask questions, and share experiences. The target audience would be retirees or pre-retirees looking for support and guidance in managing their retirement finances amidst uncertainty.

From: Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like’

Phased Retirement Planning Service

Market Gap: Individuals struggle to visualize their retirement beyond finances.

The Phased Retirement Planning Service would help individuals transition smoothly into retirement by focusing on both financial and lifestyle planning. This service would guide clients through the pre-go phase, helping them identify activities and passions outside of work that will bring them joy and fulfillment. By offering workshops, one-on-one consultations, and resources, the service would empower clients to visualize their retirement and develop a structured plan that includes gradual disengagement from full-time work. This approach would not only alleviate the anxiety of transitioning but also enhance the quality of life in retirement. The target audience includes those aged 50 and above, particularly professionals who have spent decades in their careers and need assistance in redefining their identities post-retirement.

From: Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like’

Pro Bono Legal Services Platform for Retired Lawyers

Market Gap: Retired professionals often seek meaningful ways to contribute.

This business idea involves creating a digital platform where retired lawyers can offer pro bono legal services. The platform would connect retired professionals with non-profit organizations and individuals in need of legal assistance, creating a win-win situation where retirees can utilize their skills for a meaningful cause. The platform could include features for scheduling, client management, and resources for pro bono work. With many lawyers seeking ways to give back after retirement, this service addresses both a community need and the personal fulfillment of the retirees involved.

From: Larry Jacobson: ‘The Good Things in Our Life Are What Get in the Way of Great Things’

Retirement Transition Coaching Service

Market Gap: Retirees struggle to find their identity and purpose.

The concept is to establish a coaching service specifically tailored to support retirees through their transition. This service would focus on helping clients redefine their identity, explore their passions, and set meaningful goals for post-retirement life. The approach could involve one-on-one coaching, group workshops, and online resources. By providing structured support and guidance, this service aims to empower individuals to create fulfilling retirement experiences, fostering a sense of community and connection among participants. Target clients would include recently retired professionals seeking direction and purpose.

From: Larry Jacobson: ‘The Good Things in Our Life Are What Get in the Way of Great Things’

Online Retirement Preparation Course

Market Gap: Many retirees lack direction and purpose post-retirement.

The idea is to create an online course similar to Larry Jacobson's 'Sail into Retirement,' which provides interactive video content focused on preparing individuals for the non-financial aspects of retirement. This course would guide users through exercises and strategies to help them identify their passions, set goals, and develop a fulfilling retirement plan. By leveraging technology, it can reach a broad audience, particularly targeting the 10,000 baby boomers retiring daily. The course could include community features, allowing participants to share experiences and support each other in their transitions.

From: Larry Jacobson: ‘The Good Things in Our Life Are What Get in the Way of Great Things’

Mean Reversion Investment Advisory Service

Market Gap: Investors need better strategies that account for mean reversion.

This business idea proposes the establishment of an investment advisory service that integrates mean reversion principles into its investment strategies. By utilizing advanced analytical models, the service would provide clients with insights on optimal asset allocations based on historical mean reversion data. The advisory could offer tailored investment portfolios that dynamically adjust based on market conditions, helping clients make informed decisions that align with their financial goals. The service would target both individual investors and institutions looking for innovative investment strategies that leverage mean reversion for better long-term performance.

From: Scott Bondurant: Why Mean Reversion Means Your Portfolio Should Have More Stocks

Mean Reversion-Based Financial Planning Tool

Market Gap: Current retirement planning tools often ignore mean reversion.

The idea is to create a financial planning tool that incorporates mean reversion principles into its algorithms, allowing for more accurate simulations of retirement outcomes. This tool would analyze historical market data and use mean reversion to project future returns, providing users with a deeper understanding of their withdrawal rates and investment strategies. By integrating mean reversion into financial modeling, the tool can help advisors offer more tailored advice that aligns with clients' risk tolerance and financial goals. The target audience would be financial advisors and individual investors seeking a more robust planning tool that offers better insights into their investment strategies.

From: Scott Bondurant: Why Mean Reversion Means Your Portfolio Should Have More Stocks

Global Megatrend Investment Platform

An innovative business idea emerges from the discussion of megatrends impacting global economies. Entrepreneurs could create a platform that aggregates investment opportunities driven by these megatrends, such as AI, globalization, and demographic shifts. This platform would provide investors with insights, analytics, and access to investment vehicles that align with these trends, potentially increasing returns as economies evolve. The target audience includes retail and institutional investors looking to diversify their portfolios based on future growth areas. Tactics could involve partnerships with data analytics firms for trend forecasting and building a user-friendly interface that simplifies investment processes based on trend analysis.

From: Joe Davis: How to Capitalize on ‘Megatrends’