JP2021071854A - Operation support device and operation support program - Google Patents

Abstract

To provide an operation support device and an operation support program that enable asset management goals to be set, optimal planning to be established, and long-term asset succession measures to be implemented.SOLUTION: An operation support device grasps total assets of a user, and supports asset management. The operation support device comprises: an asset amount acquisition unit for acquiring the asset amount of each asset type after classifying the assets according to the asset type; information acquisition unit for acquiring deposit and withdrawal information and reference market value information for each asset type; and a support information presentation unit for presenting advice to the user for each classified asset type. An operation support program causes a system to grasp the total assets of the user, and provides support for the asset management. The operation support program causes the system to execute: an asset amount acquisition step of acquiring the asset amount of each asset type after classifying the assets according to the asset type; an information acquisition step of acquiring the deposit and withdrawal information for each asset type; and a support information presentation step of presenting the advice to the user for each classified asset type.SELECTED DRAWING: Figure 1

Description

The present invention relates to an operation support device and an operation support program that enable the construction of optimal asset management planning and the implementation of long-term asset succession measures.

Currently, there are a wide variety of personal asset management, and for users who are considering asset management, what kind of management method should be used to manage their own assets, that is, total asset allocation (asset allocation, asset allocation) How to do what and how much, what to do with the combination of each allocated asset), and how to build a specific product combination (portfolio) with the allocated assets becomes an issue. There is.
From this point of view, various proposals have been made. For example, Patent Document 1 proposes a system for constructing an investment portfolio for investors. The system communicates with a computer-readable data vault, a computer system that, when executed, contains recorded computer-readable instructions to receive risk tolerance data that represents the investor's risk tolerance level. A computer system that receives investment selection criteria from the user terminal and displays and generates a list of investees to be included in the portfolio ranked according to the selection criteria in the user interface of the user terminal. Is configured to run.
Further, Patent Document 2 has a specific unit, an acquisition unit, and a generation unit for the purpose of providing appropriate information regarding future design to the user, and the specific unit includes a user to be processed and a predetermined user. Identify similar users who are similar users in terms of conditions, the acquisition unit acquires information about the income or expenditure of similar users specified by the specific unit, and the generation unit is based on the information acquired by the acquisition unit. Therefore, a device for generating information indicating a tendency of income or expenditure of similar users has been proposed.
Further, Patent Document 3 has an acquisition unit and a calculation for the purpose of objectively evaluating whether or not the target user is able to form an asset as compared with a user who is considered to have a high asset formation ability. The acquisition department acquires behavior information indicating the user's behavior, and the calculation department is a user whose behavior information has been acquired by the acquisition department and is determined based on financial activities related to asset formation. Calculation that calculates the index value related to the asset formation of the second user based on the first behavior information indicating the behavior of a certain first user and the second behavior information indicating the behavior of the second user who is the evaluation target user. A device has been proposed.

Special Table 2014-525062 JP-A-2017-117394 JP-A-2019-00834

However, each of the above asset management proposals only allows a list of potential investees to be displayed or compared to successful individuals, based on asset management goals and their goals. No proposal was made for any asset management method. In addition, since the proposal focuses only on financial assets when managing assets, there is a problem that the management of total assets is insufficient from the viewpoint of asset management.
In other words, there is a problem that asset allocation of total assets, portfolio optimization for each asset and construction of its planning cannot be performed efficiently in asset management, and asset management control is insufficient. There was also the problem that long-term asset succession measures could not be taken.

Therefore, an object of the present invention is to provide an operation support device and an operation support program that enable the setting of goals for asset management, the establishment of optimal planning, and the implementation of long-term asset succession measures.

As a result of diligent studies to solve the above problems, the present inventor grasps assets including not only financial assets but also various types of assets, and also grasps deposits and withdrawals and market values of each asset, and this grasped information. It was found that the above object can be achieved by providing a system for considering asset management based on the above, and the present invention has been completed.
That is, the present invention provides the following inventions.
1. 1. It is an operation support device that grasps the total assets of users and supports asset management.
After classifying the assets according to the asset type, the asset amount acquisition department that acquires the asset amount of each asset type,
Information acquisition department that acquires deposit / withdrawal information and reference market value information for each asset type,
A support information presentation department that presents advice to users for each classified asset type,
An operation support device characterized by being equipped with.
2. The above support information presentation department
Send deposit / withdrawal information to a pre-registered, classified asset expert, encourage the expert to advise on asset management, and present the expert's advice to the user.
1. The operation support device according to 1.
3. 3. An operation support program that grasps the total assets of users and causes the computer system and / or server system to execute asset management support.
After classifying the assets according to the asset type, the asset amount acquisition step to acquire the asset amount of each asset type, and
Information acquisition step to acquire deposit / withdrawal information for each asset type,
A program that allows users to perform support information presentation steps that present advice to users for each classified asset type.
4. The above support information presentation step is
In the steps taken by sending deposit and withdrawal information to a pre-registered, classified asset expert, encouraging the expert to advise on asset management, and presenting the expert's advice to the user. There are 3 programs described.
5. The above asset amount acquisition step is
The program described in 3 is a step performed by displaying a display image prompting the user to input a breakdown of the asset amount and storing the input information in a recording medium.

According to the investment support device and the investment support program of the present invention, it is possible to efficiently allocate the total assets, optimize the portfolio of each asset, and construct the planning for the asset management, and also to manage the assets. It is possible to take sufficient control and implement long-term asset succession measures.
Further, according to the present invention, it is possible to suggest to the user that the total assets of the user should be managed without being limited to financial products such as securities as long as they have an asset value. It is also useful from the perspective of personal protection and investor protection.
Further, in the conventional device and program, information can be obtained only from the seller's point of view from the seller's side, but according to the present invention, it is possible to objectively obtain a useful point of view for the user through the indication of an expert. It is also useful for sellers in that accurate marketing information can be obtained.

FIG. 1 is a schematic view showing one embodiment of the operation support device of the present invention. FIG. 2 is a schematic view of a system operated by the operation support device and the operation support program of the present invention. FIG. 3 is a flowchart showing one embodiment of the operation support program of the present invention. FIG. 4 is a schematic diagram showing an example of an input screen shown to the user by the operation support program of the present invention. FIG. 5 is a schematic diagram showing an example of an input screen shown to an expert by the operation support program of the present invention. 6 (a) and 6 (b) are schematic views showing an example of an input screen shown to the user by the operation support program of the present invention. FIG. 7 is a schematic diagram showing an example of an input screen shown to the user when making a deposit / withdrawal. FIG. 8A is a schematic diagram showing an example of a questionnaire input screen used for setting a goal for asset management, and FIG. 8B is a schematic diagram showing an example of a diagnostic table showing a diagnosis result based on the questionnaire. is there.

1: Operation support device 2: Asset amount acquisition unit 2, 4: Information acquisition department, 6: Support information presentation unit, 10: Computer system, 20: Server system

Hereinafter, the present invention will be described in more detail.
<Operation support device>
As shown in FIG. 1, the operation support device 1 of the present embodiment is an operation support device that grasps the total assets of the user and supports the asset management. Specifically, the asset amount acquisition unit 2 that acquires the asset amount of each asset type after classifying the assets according to the asset type, and the information acquisition unit 4 that acquires the deposit / withdrawal information and the reference market value information of each asset type. It also includes a support information presentation unit 6 that presents advice to users for each classified asset type. It also includes a deposit / withdrawal instruction unit 8 that executes deposit / withdrawal instructions.
Hereinafter, a detailed description will be given.

<Overall configuration>
The operation support device 1 of the present embodiment shown in FIG. 2 is configured by storing the program of the present embodiment described later in a server system 20 to which a large number of computer systems 10 and 10 can be connected via the Internet I. By accessing the server system 20 via the computer systems 10 and 10 by a large number of external users and specialists described later, the operation support device 1 can be used via the server system 20. ing.
In the present embodiment, the server system 20 and the computer system 10 have no difference in basic configuration, and although not shown, a random access memory (RAM), at least one central processing arithmetic unit (CPU), a recording medium, and the like. It includes one or more user interface devices such as keyboards and pointing devices (eg, mice and touchpads), and network interfaces that connect computer systems to data communication networks such as the Internet. Further, a display device such as a liquid crystal display (LCD) panel device is not particularly necessary in the server system, but is indispensable in the computer system 10. In the server system, a mobile terminal such as a so-called smartphone or tablet terminal may be used as the display device instead of the display device, and the display and the input device may be used in combination.
In addition to the usual 32-bit or 64-bit operating system, a large number of standard software modules such as web server software and script language modules generally used for computer systems are included. Further, a computer used by a user or an expert also needs to store a program described later in a similar computer system and function as an operation support device of the present embodiment.

<Program>
The program of the present embodiment is stored in the server system to execute the server system and the computer systems of each user and a specialist. As shown in FIG. 3, the total assets of the users are grasped and the total assets of the users are grasped. To let the computer execute the support of asset management
After classifying the assets according to the asset type, the asset amount acquisition step S1 to acquire the asset amount of each asset type, and
Information acquisition step S2 to acquire deposit / withdrawal information for each asset type,
It is a program to perform support information presentation step S3, which presents advice to users for each classified asset type.
Hereinafter, each step will be described.

(Asset amount acquisition step S1)
The asset amount acquisition step is a step performed by displaying a display image prompting the user to input a breakdown of the asset amount and storing the input information in a recording medium.
The program stored in the recording medium of the server system is started by starting the startup file. Then, when the user activates his / her own computer system 10 and accesses the server system to enable the program, first, a predetermined input screen is displayed on the display device of the user's computer system. Then, the breakdown of the asset amount is input.
At this time, as shown in FIG. 4, the screen for inputting is provided with an input field for inputting the asset type, the asset details, and the asset amount. Specifically, as input buttons, each item of date, name, deposit / withdrawal type, product details, and amount is prepared. It should be noted that these data can be set to be automatically input in conjunction with banks, securities companies, and real estate companies. Enter the date of deposit / withdrawal on the date, and enter whether the deposit / withdrawal corresponds to cash, real estate, securities, etc. in the name.
Specific examples include securities, real estate, deposits, insurance, collections (precious metals, etc.), liabilities, and the like. It is also possible to set these to be displayed as a so-called pull-down menu so that the user can input by selecting and clicking.
Since it is necessary to classify the product details in detail depending on the name, the product details column is set to three stages: major classification, middle classification, and minor classification. However, the ones that do not need to be classified so much can be only the middle classification and the minor classification or the minor classification. Specifically, for example, if the name of the product details is securities, the product details correspond to stocks, bonds, alternatives, cash, etc. as major categories, and the middle category corresponds to domestic and overseas classifications, and the minor categories. , Individual stocks, ETFs, investment trusts, etc. These can be set to be displayed as a pull-down menu as well as the nominal.
If the name is real estate, home use and commercial use (building, tenant, rent, and detached rent) can be classified as middle class, and domestic and overseas use can be classified as minor category.
If the name is deposit, the domestic and overseas categories can be classified as middle class and the bank type can be classified as small category.
If the name is insurance, whole life, fixed term, endowment, medical care, income compensation, etc. can be subdivided.
When the name is a collection (precious metal, etc.), precious metals, paintings, jewels, ships, airplanes, cars, clocks, stamps, etc. can be set as sub-categories.
If the name is a liability, you can set it to simply enter the amount without any special classification.
For the deposit / withdrawal type, enter whether it is deposit or withdrawal, and for the product details, enter the address, acquisition form, tsubo, etc. for real estate, and the type, brand, etc. for securities.
For the amount, enter the actual amount of deposit and withdrawal. The device of the present invention is preferably electrically connected to a system of a financial institution or the like (hereinafter referred to as "other company's system"), and when an attempt is made to input with the device of the present invention, the system of another company starts up and the other company's system The input result in the system is reflected. Also, for example, when selling securities or real estate when withdrawing, if you place an order for sale, you will receive quotations and comments from multiple vendors so that you can use it as a reference for deciding which vendor to select. In addition to being able to set, the selling price is reflected in the relevant amount column.

In this way, the above asset type means the type of asset, such as securities such as real estate, stocks, bonds, cash, movables, membership, fine arts, jewelry / precious metals, automobiles, ships, aircraft, and other collected items. And so on. The above asset details are details of real estate and securities (stocks, receivables, etc.). For example, which company's stock is a stock, which place's land is a real estate, and which is a bond. It is a national government bond or a corporate bond of which company, and if it is cash, it is a deposit type such as ordinary deposit or time deposit. The asset amount is the valuation amount of each asset. In addition, after inputting the asset amount, the information source of the bank, the securities company, and the real estate valuation is automatically accessed to obtain the information so that the result of the fluctuation is reflected, and the asset amount is constantly updated with the new valuation amount. It is configured to be displayed as an amount according to. For assets for which it is difficult to obtain market value information, the market value information of total assets is displayed by obtaining reference market value information from a specialist who uses each asset.
The input data related to the asset is directly linked with the personal identification information of the user and stored in the recording medium of the server.
The personal identification information and asset data of these users are protected by a security system, and are configured so that the data can be accessed only after obtaining an ID, a password and a third authentication system. Here, the ID can be configured to acquire a plurality of sub IDs in addition to the main ID. By disclosing the sub ID to a plurality of experts who give advice, it becomes possible to manage each expert, and the user can select the optimum advice from the advice of a plurality of experts. Furthermore, the user's remittance operation to the bank may be complicated, but by giving a sub ID to the person who supports such a complicated remittance operation, limited authority is given. , Access rights can be granted according to this authority.

(Information acquisition step S2)
The above information acquisition step acquires the deposit / withdrawal record and reference market value information of the user's assets from banks, securities companies, and real estate companies. Then, the asset data is updated based on the acquired deposit / withdrawal record and reference market value information. At this time, not only the apparent asset data is updated based on the deposit / withdrawal record, but also the apparent asset amount is converted to the market value with the current asset market value information of the asset data (at the time of executing this step). And grasp the market value asset data. Arrange this market value asset data in chronological order, divide it into each asset, how the asset amount fluctuates in chronological order, and whether the fluctuation is due to the valuation amount or deposit / withdrawal. The data is organized so that it can be displayed so that both can be seen.
Specifically, for example, as shown in FIG. 5, in a table format, the date of deposit / withdrawal, details of deposit / withdrawal, balance (apparent amount), and market value assets converted to market value are also displayed. This makes it possible to grasp at a glance the balance at face value and the actual asset value including the market value. In addition, it is possible to grasp at a glance which of the nominal values of each asset is the bottleneck of the market value, and to identify and deal with problems in asset allocation of total assets and portfolio optimization construction for each asset. It becomes easier to set up.

(Support information presentation step S3)
The above support information presentation step sends deposit / withdrawal information to a pre-registered, classified asset expert, prompts the expert for asset management advice, and presents the expert's advice to the user. , Is a step taken by.
Here, as experts, financial planners, tax accountants, bank employees, securities company employees, real estate management company employees, art dealers, automobile dealers, various membership traders, jewelry dealers, ship dealers, aircraft dealers, various collectibles Examples include traders.
The above expert confirms the user stored in the server system 20 and the asset information thereof by the computer system 10 connected to the server system 20, the asset allocation of the total assets, and the portfolio and individual assets in each asset. From the state of, the transition of the entire asset, future trend forecast, the state and forecast of the classified assets should be judged, and the direction that the user should take in the future should be shown to the user by inputting it on the input screen. Send information about the asset to the server system.
The input screen may have the configuration shown in FIG. 6, for example.
That is, as shown in FIG. 6, each expert is disclosed with assets and deposit / withdrawal information in the field in which the expert specializes. As a specific example, FIG. 6A displays an input screen for a real estate agent, and FIG. 6B displays an input screen for a financial planner.
FIG. 6A shows the details of the real estate, its balance (balance), and the amount of market value assets. After confirming this, the real estate agent will consider which assets will change in the future, enter the distinction between deposit and withdrawal in the deposit and withdrawal guidance column on the input screen, and purchase which product as the target product. Or write whether you should sell it and enter the reason in the reason column. Then, set a recommended amount based on the investment amount in real estate and total assets, and enter it in the recommended amount column.
In FIG. 6B, the amount of the entire asset and its time-series transition are displayed. Based on this data, the financial planner will state which assets should be focused on and why.
In any of the examples, it is possible to set so that information provided by a plurality of vendors can be displayed in the fields of deposit / withdrawal guidance, target product, reason, and recommended amount. In this case, the provided information can be set to be displayed in a table in association with the assets at the time of provision. For example, it is possible to display the date and time of the proposal instead of displaying April 2019 in the table of FIG. 6A so that the deposit / withdrawal amount and the like reflecting the content of the proposal are displayed.
In addition, as shown in FIGS. 6A and 6B, the ownership costs such as taxes, management costs, reserve funds, etc. required for operation management are displayed for each asset, and this ownership cost is reflected in the market value. Display real assets. As a result, users and each expert can obtain the true asset value and asset value management evaluation of each asset.
Then, when the information from the expert is sent to the server system, the advice from the expert is displayed to the user, and the assumed asset transition when the asset is managed according to the advice of the expert is calculated. Show the expected asset status of the case to the user. In this way, by presenting the expected asset status in the case of following the instructions of the experts, the user can make his own judgment about the management of his own assets, and any expert among multiple experts ( It is possible to adopt the judgment of one or more people) and decide whether to manage their own assets.

(Other steps)
The program of the present embodiment can support the user in making a policy decision regarding asset management by performing each of the above steps.
However, in addition to these steps, the following steps can be performed by the computer system and the server system.
(Deposit / withdrawal instruction step S4)
It is a step to withdraw or deposit one of the assets by cashing, withdrawing, etc., and when instructing to use cash to purchase one of the assets after adding cash, or one of the assets Can be transferred to another asset. In addition, it is possible to give an instruction to add a cash amount when cash is simply deposited, or an asset withdrawal instruction to dispose of a part or all of an asset and cash it out to withdraw cash.
Specifically, it can be performed by inputting predetermined items on the input screen shown in FIG. 7.
That is, as shown in FIG. 7, by inputting the target product, whether to purchase or sell, and the amount in each input field and pressing the execute button to execute the product, the target product handling institution such as a financial institution or a real estate company can be reached. Give instructions to buy or sell.
Here, it is possible to connect to a site such as a financial institution and set the transaction screen to pop up, or to directly deposit and withdraw. In addition, these operation screens can be set to be linked with the calendar of the user who has entered the payment schedule in advance, and if this link is made, the transaction screen will pop up at the scheduled date and time according to the calendar schedule. With such a transaction screen, payment can be completed as scheduled.

(Preparation step S0)
In addition, at the start of the program, a user information input screen (not shown) is displayed so as to register the user information. The administrator or the user inputs predetermined items on this input screen and registers the personal information of the user to support the asset management of the user in the program. At this time, the current state of the user's assets and the asset management goal consisting of the asset management purpose and the asset management policy for achieving the purpose are set. This series of work is a preparatory step.
The purpose of asset management in the goal of asset management is to include how to make a living, for example, to obtain an interest rate of what percentage per year and to double it in 10 years. Then, for that purpose, after grasping the current assets, how to change the asset type, the asset allocation of the total assets as to how much the asset amount should be in each asset, and the ideal form of the portfolio in each asset. Can be calculated. This calculation can be calculated in multiple ways by a known simulation method according to the interest rate to be obtained and the target asset amount by reflecting the market value of each asset at the time of executing this step in advance. It is also possible to present the current asset status and purpose of the asset and to present the asset management policy.
FIG. 8 shows an example of the questionnaire (displayed on the screen of the computer system) to be used at this time.
As shown in FIG. 8A, a question item and an answer column corresponding to each question item are displayed on the questionnaire, and the user fills in the answer in this answer column. In FIG. 8A, all of them are shown in blanks, but it is set to enter easy-to-answer questions and answers such as questions and three-step answers, as well as current asset breakdown and target assets. A diagnostic form is created based on the items entered in this questionnaire. The diagnosis table can be created by aggregating the opinions of each expert, and the answer column of the questionnaire is given a score as an answer in three stages (for example, yes, no, neither). , The evaluation may be set to be performed automatically based on the total score.
Then, based on the data of this questionnaire, what kind of assets should be used, how long, how much, how to manage the assets, how to grasp the risk about the assets, management and operation, The selection of means for achieving these goals is output as the recommended asset allocation of the diagnostic sheet and the recommended portfolio. The step of creating this diagnostic table is performed according to the question in the questionnaire, which is associated with the management method of each asset in advance. The above-mentioned support information presentation step S3 is performed in line with this goal. That is, the advice of each expert will be given in line with this goal, and the user can also determine which advice to adopt in light of this goal.

<Operation support device>
If the server system 20 and the computer system 10 shown in FIG. 2 are combined as described above and the server system 20 and the computer system 10 perform a predetermined step by the above program, the operation support device of the present invention can be operated. Can be done. Here, returning to FIG. 1, the operation support of the present embodiment is composed of a server system and a computer system in which the above program, which is the operation support device of the present embodiment, is stored and each of the above steps can be executed by the above program. The outline of the device will be described.
As shown in FIG. 1, the operation support device 1 of the present embodiment uses the asset amount acquisition unit 2, the information acquisition unit 4 for acquiring deposit / withdrawal information of each asset type, and advice for each classified asset type. It includes a support information presentation unit 6 and a deposit / withdrawal instruction unit 8 for presenting to a person.
(Asset amount acquisition department)
The asset amount acquisition unit 2 is composed of a server system 20 and a user's computer system 10, and is executed solely by the computer system acquiring information in response to an instruction from the server system 20. For example, it is operated by inputting by a display device displaying an input screen shown in FIG. 4 and an input device of the computer system 10.
(Information acquisition department)
The information acquisition unit 4 is composed exclusively of the server system 20, and grasps the asset amount at any time based on the information by the deposit / withdrawal instruction and the information of the financial institution, the real estate agent, etc., and acquires the grasped asset information. , Update the asset information by collating with the asset information stored in the server system.
(Support information presentation department)
The support information presentation unit 6 is composed of a server system 20 and computer systems 10 and 10 of experts and users. Information is disclosed to the expert computer system 10 and the expert's opinion is obtained exclusively in response to the instruction from the server system 20. At this time, the updated asset information is transferred from the server system to the expert computer system 10, the predetermined input screen and the asset data are displayed on the display device in the expert computer system 10, and the predetermined input device is used. Be able to fill in matters, that is, expert opinions. Then, when the expert has completed the entry of the opinion, the expert's opinion is once transferred to the server system 20 by pressing the send button on the input screen. In the server system 20, after associating the expert opinion with the user information and the user's asset information, the expert opinion data is transferred to the user's computer system 10 in order to present the expert opinion to the user. Then, it can be displayed on the display device in the user's computer system 10. At this time, the asset forecast based on the expert opinion is newly transferred so that it can be displayed on the display device in the user's computer system 10.
(Deposit / withdrawal instruction section)
The deposit / withdrawal instruction unit 8 is composed of a server system 20 and a user's computer system 10, and displays the input screen of FIG. 7 by performing a predetermined operation exclusively on the user's computer system 10 to issue a deposit / withdrawal instruction. It is configured to prompt the user to input and transfer the input data to the server system 20.

<Operation support method>
The operation support device of the present invention is configured as described above, and the above program is executed by operating the above device. Therefore, the operation support method performed by using the operation support device of the present invention provides operation support according to the above-mentioned program flow.

The present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the spirit of the present invention.
For example, in the embodiment described above, the asset amount acquisition step, the support information display step, and the deposit / withdrawal instruction step are described as steps for input support by the user and input support for the expert's opinion, respectively. The method of classifying assets and inputting the amount of assets by automatically obtaining information from pre-registered financial institutions, etc., and the trends of assets according to published algorithms rather than experts. It may be set to predict and automatically present optimal asset allocation and portfolio suggestions.
It is also possible to connect this device to the system of an asset management operation management company and outsource the asset management to the management company to perform precise management and operation. At that time, it is possible to set the book to be automatically recorded for transactions using this device. It is not necessary to always display all assets because it is usually the end of the year (end of the year) that all assets are grasped (current assets are every three months).

Claims (5)

It is an operation support device that grasps the total assets of users and supports asset management.
After classifying the assets according to the asset type, the asset amount acquisition department that acquires the asset amount of each asset type,
Information acquisition department that acquires deposit / withdrawal information and reference market value information for each asset type,
A support information presentation department that presents advice to users for each classified asset type,
An operation support device characterized by being equipped with. The above support information presentation department
Send deposit / withdrawal information to a pre-registered, classified asset expert, encourage the expert to advise on asset management, and present the expert's advice to the user.
The operation support device according to claim 1, wherein the operation support device is characterized by the above. An operation support program that grasps the total assets of users and causes the computer system and / or server system to execute asset management support.
After classifying the assets according to the asset type, the asset amount acquisition step to acquire the asset amount of each asset type, and
Information acquisition step to acquire deposit / withdrawal information for each asset type,
A program that allows users to perform support information presentation steps that present advice to users for each classified asset type. The above support information presentation step is
In the steps taken by sending deposit and withdrawal information to a pre-registered, classified asset expert, encouraging the expert to advise on asset management, and presenting the expert's advice to the user. The program according to claim 3. The above asset amount acquisition step is
The program according to claim 3, which is a step performed by displaying a display image prompting the user to input a breakdown of the asset amount and storing the input information in a recording medium.

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