Beyond product picking: A new approach to digital wealth

This article is a part of Startup Spotlight, a series that features young, up-and-coming startups.

Left to right: Fu Qiang Neo, Hyungdo Kim, David Ng, and Yuhang Zhuang/ Photo credit: Arki Finance

David Ng spent over two decades in institutional asset management structuring portfolios for sophisticated investors. His personal banking experiences typically yielded isolated product pitches. He lacked a comprehensive wealth management strategy.

This disconnect prompted him to co-found Arki Finance in 2025. The Singapore-based startup aims to bring institutional-quality asset allocation to mass-affluent households.

😟 Problem

Retail investors have unprecedented access to stocks, ETFs, and funds. Allocating capital across these instruments based on liquidity needs and risk tolerance remains difficult. Individuals often accumulate isolated financial products without a coherent portfolio plan.

💡 Solution

Arki translates customer financial objectives, investment horizons, and risk profiles into actionable portfolio allocations through several core capabilities.

• A “Cash, Income and Growth” framework separating near-term liquidity from long-term investments.
• Digital access integrated with professional portfolio management and disciplined risk oversight.
• Customers can review their allocations as their circumstances evolve.

Image credit: Arki Finance

🤝 Team

• David Ng. Co-founder and CEO. He previously served as deputy CEO of CSOP Asset Management in Singapore.
• Kim Hyungdo. Co-founder and chief investment officer. He previously headed the ETF business at Value Partners and built the ETF business at Korea Investment Management from scratch.
• Neo Fu Qiang. Co-founder and chief client officer. He previously spent 13 years at HSBC, most recently as head of its institutional client group.
• Zhuang Yuhang. Co-founder and chief operations officer. He previously spent six years as managing director and head of fund operations and IT at CSOP Asset Management in Hong Kong.

🚀 Traction

• Secured a Capital Markets Services licence for fund management from the Monetary Authority of Singapore in 2026.
• Built its digital investment platform and introduced its wealth management framework.
• Established partnerships with prominent investment managers while building an early customer community.

🏆 Competition

Existing alternatives in Singapore include Endowus, Syfe, and StashAway. Traditional banks and brokerages also compete by focusing primarily on product selection and transactional ease.

Arki differentiates by prioritizing asset allocation to provide an objectives-led investment discipline. This approach replicates the holistic portfolio management traditionally reserved for institutional clients.

💰 Financials

Arki operates a fee-based wealth management model. The startup generates recurring revenue through professional portfolio management services. Funding details remain undisclosed as the company focuses on building its business.

🚩 Risks