Harsha Kotthapalli
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Competition · output 8 of 34

Table-stakes read: what everyone has, and what only you have.

Every attribute counted across the alternatives, then judged: the price of entry, the contested ground, and whether anyone ever said they care about the things only you have. Built from the grid plus what customers actually said.

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Table-stakes read22 attributes
Price of entry or contested. Everyone has them.
Only you have them.
Of those nine, who said they care
Said unprompted — the levelled modules, the wellness check
Partial — the employer portal, paid adviser calls
Never asked
The deck differentiates on decumulation. Nobody has been asked about it.

The full output places all 22 attributes in a band, and marks every one you hold alone with the evidence behind it.

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The output at a glance · built on WealthKarma

How it gets made

What goes in

The filled grid
Customer quotes
Buyer interviews

Counted, not asserted

What comes out

The report

What to stop selling, decided

How long

1day

start to finish

re-run after each grid refresh

The output, in full

Built on WealthKarma, a retirement app for Gulf expats. Every count is real and every gap is marked as a gap.

Table-stakes read22 attributes · 5 alternatives · 18 Aug 2026
01 · Every attribute, by how many hold it
Sar · SA · Wah · Bar · WK
Price of entry
A published headline fee
A mobile app as the main product
Access to ETFs
Financial education, free
A calculator or readiness check
Somewhere to park cash
A named regulator on the homepage
Contested
A shariah-compliant option
Retirement named as its own thing
One asset class the others don't carry — crypto, private markets, real estate, local stocks
Has it Partly Doesn't Open
02 · What only you have
Attribute
Who said they care
A levelled, gamified journey — Novice to Guru, in two-minute modules
Four beta users, unprompted. "gamified like duolingo", "2 min modules… help me act"
A financial wellness check that names the gaps
One beta user, unprompted. "I didn't know I had to plan for all of this"
An employer portal with gratuity management
One company onboarded. Behaviour, not opinion — but one company
Financial advisers booked and paid per call
69% said they don't know who to trust. Nobody was asked about paying for a call
An investment simulator
Never asked. 40% said they lack confidence — that's the problem, not the fix
Insurance compared and bought in the app
Never asked
Estate planning and tax optimisation
Never asked
A flat $5 monthly subscription instead of a percentage
Never asked
Advice for the decumulation phase — the deck's stated differentiator, on two slides
Never asked. All the research is pre-retirement, or retirees on regret
Said unprompted Partial evidence Never asked
03 · The finding
The deck differentiates on decumulation. Nobody has been asked about it. The two things users did name unprompted are not on the competition slides.
04 · What can't be known
Whether the four competitors will add any of the eight. Six of them are software, and software gets copied.
Whether the levelled journey survives past module three. Sixty beta users is not retention data.
Baraka's education, calculator and WealthKarma's shariah cells are still open.
Attributes for the four were read from their sites on one day. WealthKarma's come from the deck dated March 2025, so anything built since is missing.

Where it sits

Research

Compete

Position

Message

Launch

Measure

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