JP2022002139A - Target achievement portfolio generation device, program and method - Google Patents

Abstract

To generate a single portfolio assuming a plurality of objects for a concrete goal of asset management, and to easily perform comparison, contrast, etc., by generating a plurality of portfolios for the same goal.SOLUTION: A support server 10 for asset management which generates, based upon input information, portfolio information proposing asset management for goal achievement that a customer sets comprises goal display means 13 of displaying predetermined goal information that the customer can select through input operation; hearing display means 14 of displaying predetermined hearing information that the customer can answer through input operation; and portfolio generation and display means 15 of generating predetermined portfolio information based upon the goal information selected and answered through the input operation and the hearing information, and visually displaying it on a customer terminal 30. The portfolio generation and display means 15 generates the portfolio information proposing single asset management corresponding to one or a plurality of pieces of goal information that the customer selects.SELECTED DRAWING: Figure 1

Description

The present invention relates to a technique for supporting investment and management of financial products, and is particularly effective when applied to an investment management proposal system that supports a business in which a financial institution or the like provides advice or proposals related to investment to investors. Achievement portfolio generators and the programs and methods used in them.

In general, financial institutions such as banks and securities companies provide advice and proposals related to investment and asset management to individual investors as a business, and a mechanism to support such business with an information processing system. Has also been proposed.
In recent years, asset management services called "robo-advisors" that automatically support such investment and management, portfolio management, etc. have become widespread mainly in Europe and the United States.

As a "robo-advisor" service, for example, a service provided by Hedgeable of the United States (https://www.hedgeable.com/) is known.
In such a "robo-advisor" service, customers answer some questions about investment objectives, investment policies, asset status, etc. via the application screen on the Web, and the answers are answered according to the contents of the answers. A portfolio that is recommended as suitable for the customer is being presented. Then, when the customer chooses to manage the assets according to the portfolio, the assets are automatically managed according to the portfolio.

Further, as a technique related to the proposal of the recommended portfolio and the automatic management along the portfolio, for example, in Patent Document 1, there is a method of presenting the portfolio by combining a plurality of financial products for a predetermined investment period. It has been disclosed.
In the method described in Patent Document 1, a plurality of market price fluctuation scenarios related to commodities are systematically set in advance, and parameters representing the fluctuation scenarios and parameters representing the characteristics of the market are used for each of the plurality of fluctuation scenarios. On the other hand, future profit and loss simulations are performed, and the optimal portfolio is constructed and presented from a set of narrowed down portfolios.

Further, for example, in Patent Document 2, a list of investment destinations for receiving risk tolerance data representing an investor's risk tolerance level and investment selection criteria from a user terminal and including them in a portfolio ranked according to the investment selection criteria. A system has been proposed in which a portfolio is constructed by generating and displaying it on a user terminal.
Further, for example, Patent Document 3 proposes a portfolio automatic management system that can automatically issue a trading instruction according to a portfolio management algorithm.

Patent Document 1: Japanese Unexamined Patent Publication No. 2000-293569 Patent Document 2: Japanese Patent Application Laid-Open No. 2014-525062 Patent Document 3: Japanese Unexamined Patent Publication No. 2008-2431558

However, in any of the systems that provide the recommended portfolio as described above, any such investment plan can be obtained by simply applying a predetermined rule or the like to one or more financial products and proposing an investment plan. There is no one that presents a plan that assumes specific goals, objectives, and goals.
Among investors, investment and asset management, especially performed by individual investors, may be aimed only at vague profits, but it is not uncommon to consider investment by assuming more specific goals and goals.

For example, depending on the life stage, you want to save a certain amount of down payment as a down payment for a few years to purchase real estate in the future, or you want to save a down payment for purchasing a luxury car within a few years. As such, we may consider asset management with specific goals and dreams.
The specific goals and goals of such asset management are not limited to one, and it is not uncommon for multiple goals such as real estate and automobiles, retirement and travel, etc. to be assumed.

However, the technology disclosed in Patent Documents 1-3 described above merely presents a vague combination of financial products and a portfolio of recommendations, as assumed by individual investors as described above. It was not possible to propose asset management with specific goals and goals.
In addition, when multiple such specific targets are set, multiple target amounts and investment periods that differ according to the targets can be created and proposed in one asset management plan or portfolio. It was not possible to prepare multiple plans for various portfolios so that they could be compared and examined.

The present invention has been proposed to solve the problems of the conventional techniques as described above, and is used as a specific goal / goal of asset management by flexibly responding to various needs of investors. Investment for individual investors that can generate a single portfolio that assumes multiple targets, and can also generate multiple portfolios for the same goal so that comparisons and contrasts can be easily performed. The purpose is to provide a goal achievement portfolio generator and programs and methods used for it, which are suitable for investment proposal systems and the like.

In order to achieve the above object, the goal achievement portfolio generation device of the present invention is an information processing device that generates portfolio information that proposes asset management for achieving the goal set by the customer based on the input information, and is a customer. As a predetermined target information that can be selected by the customer by the input operation of the terminal, a means for selectively displaying a list information of a plurality of products and / or services that is the goal of asset management, and a customer by the input operation of the customer terminal. As predetermined information that can be answered by, is selected by means for displaying the target amount and target achievement schedule information for the product and / or service selected from the target information so as to be inputtable, and by the input operation of the customer terminal. A portfolio generation display means for generating portfolio information consisting of a plurality of financial products based on risk tolerance and displaying the portfolio information visually on the customer terminal is provided, and the portfolio generation display means is the goal of the asset management. Generates a single asset management plan information indicating an investment and / or consumption plan for the selected product and / or service based on the target amount and target achievement schedule information selected and answered by the input operation of the customer terminal. The asset management plan information is configured to indicate an asset management plan obtained by subtracting the target amount of the goal at the set target achievement time of the asset management goal.

Further, the present invention can be configured as a goal achievement portfolio generation program executed by the goal achievement portfolio generator in the present invention as described above.
Further, the present invention can also be configured as a goal achievement portfolio generation method that can be implemented by the goal achievement portfolio generation device and the program according to the present invention as described above.

According to the present invention, it is possible to generate a single portfolio assuming a plurality of targets as specific goals / goals of asset management.
In addition, it is possible to generate a plurality of portfolios for the same goal so that comparisons and comparisons can be easily performed.
This makes it possible to provide an investment management proposal system, etc., that flexibly responds to the diverse needs of investors, especially for individual investors.

It is a block diagram which shows the structure of the system provided with the goal achievement portfolio generation apparatus which concerns on one Embodiment of this invention. It is a flowchart which shows the procedure of portfolio generation in the goal achievement portfolio generation apparatus which concerns on one Embodiment of this invention. This is an example of a display screen generated / displayed at the time of portfolio generation in the goal achievement portfolio generation device according to the embodiment of the present invention, and is a screen for presenting a user a selectable goal list as a specific goal of asset management. be. Following FIG. 3, it is a screen for presenting a more specific goal list belonging to a category (real estate) selected from the goal list so as to be selectable. Following FIG. 4, it is a screen for inputting a target amount and a target achievement schedule for a goal selected by the user. Following FIG. 5, it is a screen that displays the input target amount and the target achievement schedule in a confirmable manner, and presents the addition / deletion of the target in a selectable manner. Following FIG. 6, when the addition of the goal is selected, the screen returns to the same goal list as in FIG. Following FIG. 7, this screen is a screen for selectively presenting a more specific goal list belonging to a category (automobile) selected from the goal list. Following FIG. 8, it is a screen for inputting a target amount and a target achievement schedule for a goal additionally selected by the user. Following FIG. 9, it is a screen that displays the target amount and the target achievement schedule input for the added goal in a confirmable manner, and also presents the addition / deletion of the target in a selectable manner. Following FIG. 10, it is a display screen for asking the user to input hearing information, and is a screen for asking the user to answer the age and gender. Following FIG. 11, it is a display screen that prompts the user to input hearing information, and is a screen that prompts the user to answer the amount of funds to be initially invested. Following FIG. 12, it is a display screen for asking the user to input hearing information, and is a screen for asking the user to answer the amount of the funded investment every month. Following FIG. 13, it is a display screen for asking the user to input hearing information, and is a screen for asking the user to answer the period for managing funds. Following FIG. 14, it is a display screen for causing the user to input hearing information, and is a screen for answering the ratio of the investment amount to the financial assets held. Following FIG. 15, it is a screen for allowing the user to select the risk tolerance of asset management. It is explanatory drawing which shows the risk determination data used in the goal achievement portfolio generation apparatus which concerns on one Embodiment of this invention, (a) is the definition table for risk determination, (b) is the definition table shown in (a). This is an example of risk tolerance calculation based on this. It is explanatory drawing which shows the other risk determination data used in the target achievement portfolio generation apparatus which concerns on one Embodiment of this invention, (a) is the recommended portfolio specified by assumed operation (risk tolerance) and operation period. A table, (b) is a table showing correction values for the recommended portfolio specified in (a). This is an example of a display screen generated / displayed at the time of portfolio generation in the target achievement portfolio generation device according to the embodiment of the present invention, and is a screen for presenting an investment plan generated based on the target information and hearing information input by the user. be. It is a screen which presents the portfolio corresponding to the investment plan presented in FIG. It is a screen which presents another investment plan generated by changing the risk tolerance about the investment plan presented in FIG. It is a screen which presents the portfolio corresponding to the investment plan presented in FIG. It is an example of a display screen generated and displayed at the time of portfolio generation in the target achievement portfolio generation apparatus according to the embodiment of the present invention, and is a screen showing the entire investment plan currently in operation. It is a screen which displays the portfolio corresponding to the investment plan currently under management displayed in FIG. 23. It is a screen which shows the achievement rate at the present time about one goal (real estate) currently under asset management displayed in FIG. 23. Similar to FIG. 23, it is a screen showing the achievement rate of other targets (automobiles) currently under asset management at the present time. This is an example of a display screen generated / displayed at the time of portfolio generation in the target achievement portfolio generation device according to the embodiment of the present invention, and the target plan input / set by the user is currently in operation, is in simulation, and the like. This screen displays a list of items that are temporarily saved. It is a screen which displays a list of achievement rates at the present time corresponding to the target plan corresponding to FIG. 27. It is an example of a display screen generated and displayed at the time of portfolio generation in the target achievement portfolio generation device according to the embodiment of the present invention, and is a screen for displaying a list of notification information to the user. This is an example of a display screen generated and displayed at the time of portfolio generation in the target achievement portfolio generation device according to the embodiment of the present invention, and is a screen for displaying a list of information provided by a sales company corresponding to the target information registered by the user. Is. It is an example of a display screen generated and displayed at the time of portfolio generation in the target achievement portfolio generation apparatus according to the embodiment of the present invention, and shows an example when the customer terminal according to the present invention is a smartphone.

Hereinafter, embodiments of the target achievement portfolio generation device according to the present invention will be described with reference to the drawings.
Here, the goal achievement portfolio generator of the present invention shown below is realized by processing, means, and functions executed by a computer according to a program (software) instruction. The program can send a command to each component of the computer to perform predetermined processing, functions, and the like according to the present invention shown below. That is, each process, means, and function in the present invention is realized by concrete means in which a program and a computer cooperate.

All or part of the program is provided by, for example, a magnetic disk, an optical disk, a semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium is installed and executed in the computer. To. The program can also be loaded and executed directly on the computer via a communication line without going through a recording medium. Further, the target achievement portfolio generation device according to the present invention may be configured by a single information processing device (for example, one personal computer or the like), and a plurality of information processing devices (for example, a group of a plurality of server computers or the like). It can also be configured with.

[System configuration]
FIG. 1 shows a system configuration including a goal achievement portfolio generation device according to an embodiment of the present invention.
The system provided with the target achievement portfolio generation device according to the embodiment of the present invention shown in the figure is an investment management support server 10, an investment management application 21 / financial institution system 22 provided in the financial institution 20, and a customer terminal 30. It is configured as an investment management proposal system 1 including a sales company device 41 provided in the sales company 40 and a financial institution core system 50.
The investment management support server 10, the financial institution 20 (investment management application 21 / financial institution system 22), the customer terminal 30, the sales company 40 (sales company equipment 41), and the financial institution core system 50 that constitute the investment management proposal system 1 are For example, they are connected to each other via a predetermined network such as the Internet so that they can communicate with each other.

[Investment management support server 10]
The investment management support server 10 is composed of an information processing device that serves as a goal achievement portfolio generation device according to the present invention, which generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information. ..
Specifically, the investment management support server 10 can be configured by, for example, one or two or more server computers, a server system composed of one or two or more virtual servers built on a cloud computing service, or the like.
The investment management support server 10 is provided with an OS (Operating System), a DBMS (DataBase Management System), and the like (not shown), and is operated as a server computer.

The investment management support server 10 is provided with an investment management API 11 implemented as software that runs on middleware such as a Web server program.
Investment management API 11 has released an application that can be used in the form of API (Application Programming Interface) to one or more financial institutions 20 (20a, 20b ... 20n) via a network such as the Internet. offer.
As a result, each financial institution 20 manages the investment management application 21 (21a, 21a,) which is an application program operated to provide services such as asset management proposals and advice to investors and customers (hereinafter referred to as “users”). By calling the investment management API 11 via 21b ... 21n), the function of the target achievement portfolio generation device according to the present invention can be executed.

Further, the investment management support server 10 is provided with an investment management support data warehouse (DWH) 12 implemented as a database or the like.
The investment management support DWH12 is a storage means for acquiring and accumulating predetermined information necessary for the operation of the goal achievement portfolio generation device according to the present invention.
Specifically, the investment management support DWH12 provides various information resources such as information on investment products sold by each financial institution 20, attribute information of users of the financial institution 20, account transaction history information, and access history information. Etc. are remembered.

Further, the investment management support DWH 12 stores predetermined information necessary for the implementation and operation of the investment management API 11 described above, and the necessary information is read out, stored and updated at any time as the investment management API 11 is executed. To.
Specifically, the information about the portfolio according to the risk level prepared by the financial institution 20 side is stored and retained in the investment management support DWH12 as the information for each financial institution.
In addition, risk determination data, risk correction data, etc. corresponding to one or more portfolios, which will be described later, are also stored and retained in the investment management support DWH12 as information for each financial institution (see FIGS. 17 and 18).

The information accumulated in the investment management support DWH 12 in this way is accounted for, for example, the financial institution system 22 of its own, which is the information processing system of the financial institution 20 and the information system, or a plurality of financial institutions 20. It can be periodically extracted from the financial institution core system 50 that provides the information processing system of the system / information system by daily processing or the like, and acquired and accumulated by the investment management support DWH12 (see FIG. 1).
Further, when the financial institution 20 does not have its own information processing system or an external core system that can be linked, for example, various information can be manually registered and stored in the investment management support DWH12. Further, for example, it is possible to acquire and accumulate past performance information such as past price movements and ratings for each brand from an external data source or the like. Further, the information accumulated in the investment management support DWH 12 can be acquired and referred to in another program (for example, the investment management application 21 of the financial institution 20) via the investment management API 11.

Specifically, as shown in FIG. 1, the investment management API 11 provided in the investment management support server 10 as described above includes a target display means 13, a hearing display means 14, a portfolio generation display means 15, and a customer information transmission. It is configured to function as means 16.
The target display means 13 is a means for displaying predetermined target information that can be selected by a user or the like by an input operation.
The hearing display means 14 is a means for displaying predetermined hearing information that can be answered by a user or the like by an input operation.

The portfolio generation display means 15 is a means for generating predetermined portfolio information based on the above-mentioned target information and hearing information selected and answered by an input operation and displaying it visually on the display means on the user side. In particular, the portfolio generation display means 15 can generate portfolio information that proposes a single asset management corresponding to a plurality of target information selected by a user or the like.
Here, the "portfolio information" according to the present invention is asset management information presented to the user's asset management, for example, a graph or table showing an investment plan for reaching the target amount by the target achievement date. , Refers to graphs and tables showing the combinations and ratios of each financial product when investing assets in multiple financial products (see Figures 19 to 22 etc.).

The customer information transmitting means 16 refers to the sales company device 41 of the sales company 40, which will be described later, as an external device related to at least one of the plurality of target information included in the portfolio information generated by the portfolio generation display means 15. , Is a means for transmitting predetermined information regarding a user or the like related to the generated portfolio information.
Specific functions and operations of each means realized by these investment management API 11 will be described later with reference to an example of a display screen output and displayed on the customer terminal 30 (see FIGS. 2 to 31).

[Financial institution 20 / Financial institution core system 50]
The financial institution 20 is, for example, a financial institution / investment corporation such as a bank or a securities company, and is provided with an information processing device connected to the investment management support server 10 so as to be capable of data communication. 21 is being implemented and operated.
In the example shown in FIG. 1, the investment management applications 21a, 21b ... 21n can be operated by a plurality of financial institutions 20a, 20b ... 20n, respectively.
Each financial institution 20 can execute the application provided from the investment management API 11 of the investment management support server 10 described above via the investment management application 21. As a result, each financial institution 20 invests through the investment management application 21 (21a, 21b ... 21n) as an application program for providing services such as asset management proposals and advice to its own users. The operation API 11 can be called to execute the function of the target achievement portfolio generation device according to the present invention.

Further, each financial institution 20 is provided with its own financial institution system 22, or information on investment products sold by each financial institution 20 by an external financial institution core system 50, and attributes of users of the financial institution 20. Information, account transaction history information, access history information, etc. are stored and managed.
In the example shown in FIG. 1, the financial institution A20a and the financial institution B20b are provided with their own financial institution system A22a and the financial institution system B22b, respectively, and the financial institution N20n is provided with an external financial institution backbone system 50.

The financial institution system 22 and the financial institution core system 50 are configured as an information processing system for accounting and information systems possessed by the corresponding financial institution 20.
Further, the financial institution core system 50 is a huge system owned by an information system company called a so-called system integrator, which undertakes the operation of the data system of the financial institution as a business, for example, by outsourcing one or more financial institutions. It is configured and operated by a group of server systems. As such a financial institution backbone system 50, for example, a securities backbone system (STAR (registered trademark)) and a bank's financial product intermediary system (BESTWAY (registered trademark)) operated by Nomura Research Institute, Inc. are known. Has been done.

[Customer terminal 30]
The customer terminal 30 is an information processing device that can be used by the user (customer / investor) of the financial institution 20 described above, and is, for example, a personal computer, a mobile terminal, a smartphone (see FIG. 31) owned by the user, or the financial institution 20. It consists of a PC installed in the facility and a dedicated terminal device.
The user operates the customer terminal 30 to access and activate the investment management application 21 (21a, 21b ... 21n) provided by each financial institution 20 (20a, 20b ... 20n) for investment management. The investment management API 11 of the investment management support server 10 can be called via the application 21, and the functions / services provided by the target achievement portfolio generation device according to the present invention can be executed / used.

In this way, the user according to the present embodiment uses the customer terminal 30 to access the investment management application 21 composed of the Web application or the like provided by the financial institution 20 that he / she uses via the Internet or the like, and obtains the portfolio. You can use the construction and operation services.
However, the configuration is not limited to such an embodiment, and for example, the investment management application 21 is introduced into the customer terminal 30, and the investment management server corresponding to the investment management application 21 is introduced into each financial institution. In this case, the investment management support server 10 is accessed from the investment management application 21 of the customer terminal 30 via the investment management server of each financial institution.
Further, for example, a portfolio construction service is provided by introducing an application equivalent to the investment management application 21 into an information processing terminal such as a PC owned by the user and directly accessing the investment management support server 10 without going through the financial institution 20. It is also possible to make it available.

[Sales company 40]
The sales company 40 is a company that provides and sells products and services that are goals and goals of asset management, such as real estate companies, imported automobile dealers, and condominium developers, and enables data communication with the investment management support server 10. 41 sales company devices are provided as connected information processing devices.
In the example shown in FIG. 1, the plurality of sales companies 40a, 40b ... 40n are provided with the sales company devices 41a, 41b ... 41n, respectively.

Then, for each sales company 40, the sales company equipment of the sales company 40 related to the plurality of target information included in the portfolio information generated by the portfolio generation display means 15 of the investment management API 11 from the investment management support server 10. Predetermined information regarding users and the like related to the generated portfolio information is transmitted to 41.
For example, when a user who aims to purchase real estate or imported automobiles in the future creates a portfolio for the investment management support server 10 to achieve the goal, the user's information is displayed on the corresponding real estate company or the corresponding real estate company. It is transmitted / notified to the sales company device 41 of the sales company 40 which is an automobile dealer, and information such as a user's name, address, telephone number, email address, target product, target amount, target target amount, etc. is provided. ..

As a result, the sales company 40 that has received such user information can carry out promotional activities such as advertising to the user (see FIG. 30).
It should be noted that such transmission / provision of user information to the sales company 40 is executed after obtaining the permission / approval of the user in advance.
Further, as the user information provided to the sales company 40, only specific information (for example, an e-mail address) can be provided by the user's selection / setting, and important information such as an address and a telephone number is not provided. It can be done.

[motion]
Next, the specific operation (method of generating the goal achievement portfolio) of the system including the goal achievement portfolio generation device according to the present embodiment having the above configuration will be described with reference to FIGS. 2 and 3 to 31. ..
FIG. 2 is a flowchart showing an example of the operation of the system including the goal achievement portfolio generator in the present embodiment.
The operations shown below are the investment management API 11 (target display means 13, hearing display means 14, portfolio generation display means 15, customer information transmission means 16) and investment management support DWH read from the customer terminal 30 via the investment management application 21. It is executed and operated by.

First, the user operates the customer terminal 30 to access the investment management application 21 (21a, 21b ... 21n) provided by the financial institution 20 (20a, 20b ... 20n) with which he / she conducts transactions. In this case, the user can log in to the investment management application 21 by inputting the user ID and password assigned to him / her.
Then, the investment management API 11 of the investment management support server 10 is called via the logged-in investment management application 21, and the functions / services provided by the goal achievement portfolio generation device according to the present invention can be used as follows. can.

As shown in FIG. 1, a goal list is displayed as target information according to the present invention on the customer terminal 30 logged in to the investment management application 21 (step 01).
As this goal list, for example, a display screen as shown in FIG. 3 is presented.
In the example shown in the figure, seven items of real estate, automobile, travel, hobby, life event, retirement, and savings are displayed as target information that can be selected by the user by input operation to the customer terminal 30. Therefore, the user can select any target information as a goal according to the goal / purpose of his / her asset management (step 02).

When any goal (goal information) is selected according to the input operation of the user, as shown in FIG. 4, a more specific goal list belonging to the selected category is presented so as to be selectable.
In the example shown in FIG. 4, when the user selects "real estate" from the goal list of FIG. 3, eight items of condominium, detached house, and villa according to price, location, etc. are displayed as more specific real estate. It has become like. Therefore, the user can select any real estate information as a more specific goal / goal of his / her asset management (step 02).

When a specific goal (real estate) is selected according to the input operation of the user, then, as shown in FIG. 5, a screen for setting a numerical target for the selected goal is displayed (step 03). ).
In the example shown in FIG. 5, when the user selects a goal of "apartment / city / 50 million yen" from the screen of FIG. 4, the content of the selected goal is displayed and the goal (apartment) is displayed. A screen for entering the target amount and the target achievement schedule is displayed. Here, an example is shown in which the user inputs "target amount: 10 million yen" and "target achievement schedule: 8 years and 0 months".
Selection buttons (icons) such as "add target" and "decide" are displayed in the lower column of the display screen, and subsequent processing is executed according to the input operation of the user.

When the user inputs the target amount / target achievement schedule item and selects "OK", the entered target amount and target achievement schedule are displayed so that they can be confirmed, and the target is added / added. A screen is displayed that allows you to select deletion.
Specifically, a "Delete" selection button (icon) is displayed in the rightmost column of the displayed target amount / target achievement schedule, and the already entered target information is deleted according to the user's input operation. be able to.
In addition, selection buttons (icons) such as "Add goal" and "Proceed to investment plan with this goal" are displayed in the lower column of the display screen so that subsequent processing is executed according to the input operation of the user. It has become. Therefore, the user can arbitrarily add a goal by his / her own choice / judgment, and after setting the goal, he / she can proceed to the subsequent investment plan creation process.
Here, the case where the user selects "Add goal" will be described.

When the user selects and operates "Add target" on the screen of FIG. 6, as shown in FIG. 7, a screen in which a plurality of target information is displayed so as to be selectable is presented again. The screen of FIG. 7 is the same screen as the screen of FIG. 3 described above.
Therefore, the user can select any target information as an additional target / goal (step 02). For example, the user may select "real estate" again as an additional goal (see Figures 3 and 4), or may select another goal.
Here, a case where the user selects "automobile" as the second goal will be described.

When a goal (automobile) is selected in response to a user input operation, a more specific goal list belonging to the selected category is presented in a selectable manner, as shown in FIG.
In the example shown in FIG. 8, since the user selects "automobile" from the goal list of FIG. 7 (FIG. 3), as a more specific automobile, there are a plurality (8 vehicles) of different manufacturers, prices, vehicle types, and the like. The car is displayed. Therefore, the user can select the information of any automobile as his / her goal / goal (step 02).

When "automobile" is selected as a specific goal according to the input operation of the user, then, as shown in FIG. 9, a numerical target for the selected goal is set as in the case of FIG. 5 described above. A screen for doing so is displayed (step 03).
In the example shown in FIG. 9, when the user selects a goal of "Mercedes-Benz C class / C450AMG4MATIC / X780,000 yen" from the screen of FIG. 8, the content of the selected goal is displayed and the goal is displayed. A screen for inputting the target amount and the target achievement schedule for (automobile) is displayed. Here, an example is shown in which the user inputs "target amount: 2 million yen" and "planned achievement of target: 4 years and 0 months".

When the user inputs the items of the target amount and the target achievement schedule and selects "OK", the entered target amount and the target achievement schedule are displayed in a confirmable manner as shown in FIG. 10, and the target is added. A screen is displayed that allows you to select deletion.
Here, multiple target information is displayed in parallel on the same screen so that the first target information (real estate) and the second target information (automobile) selected and input earlier can all be confirmed. ..
Then, at this stage as well, as in the case of FIG. 6 described above, the user "deletes" the already input target information by the input operation, and also "adds a target" and "adds a target" in the lower column of the display screen. You can select "Proceed to investment plan with this goal".

Here, the case where the user selects "Proceed to investment plan with this goal" will be described.
When the user selects "Proceed to investment plan with this goal", one or more goal information already entered / set (two goal information of "real estate" and "automobile" in the above example) is single. -Registered as a common goal (step 04).
This registration information is stored and retained as user-specific information in the investment management support DWH 12 of the investment management support server 10 via the customer terminal 30 and the investment management application 21.

Therefore, the user who has registered the target information can read, refer to, process, and change the one or more target information set / registered by himself / herself at any time thereafter.
The user can also only register the goal of the goal information (step 04). In that case, it is not necessary to return to step 01 (FIG. 2) shown in FIGS. 3 and 7 described above, generate the investment plan and portfolio shown below, and input / answer the hearing information for that purpose.
In that case, the target information registered in the past can be read out and used in order to generate an investment plan or a portfolio at a later date.

When the target information is registered (step 04) and further proceeds to the subsequent investment plan / portfolio generation process, the customer terminal 30 can respond to the customer terminal 30 as hearing information according to the present invention by an input operation. Display screen is displayed.
When the user answers by input operation according to this display screen, a hearing for investment is performed (step 05).
The hearing information to be answered by the user is, for example, personal attribute information such as the user's age, gender, initial investment amount, monthly funded investment amount, risk tolerance, etc., and the information is answered by asking multiple questions.・ It will be collected.

Specifically, in the present embodiment, as the display screen of the hearing information, for example, a display screen as shown in FIGS. 11 to 16 is presented. These multiple screens are designed to transition to the subsequent screens when the answer to the hearing information of the preceding screen is input and completed, and have already been answered by the user's "return to previous question" operation. You can return to the screen.
First, on the screen shown in FIG. 11, a screen for answering the age and gender of the user is displayed.
When the answer on the screen of FIG. 11 is made and "Next" is selected, the screen shown in FIG. 12 displays a screen for answering the amount of funds to be initially invested.

When the answer on the screen of FIG. 12 is made and "Next" is selected, the screen shown in FIG. 13 displays a screen for answering the amount of the funded investment every month.
When the answer on the screen of FIG. 13 is made and "Next" is selected, the screen shown in FIG. 14 displays a screen for answering the period of fund management.
When the answer on the screen of FIG. 14 is made and "Next" is selected, the screen shown in FIG. 15 displays a screen for answering the ratio of the investment amount to the financial assets held.
In the example shown in FIG. 15, the investment amount assumed by the user is one of five of 10% or less, 30% or less, 50% or less, 50% or more, and 100% of the financial assets held by the user. Can be selected.

That is, in the present embodiment, it is made to answer whether the investment fund estimated and managed using this system is 50%, 10%, or 100% of the financial assets owned by the user. .. By answering this, you can change the risk tolerance described later. For example, if it is "100%", it will be all financial assets of the user, so it is better not to venture too much, and set the risk tolerance low. On the other hand, if it is "10%", it is considered that some adventure may be possible, and it can be determined that the risk tolerance is set higher.
In addition, by making such an answer, it is possible to estimate and grasp how much other financial assets the user has. For example, for a user who answered "10%", the investment amount is further increased. It will be possible to make services and proposals such as encouraging an increase in the amount of money.

When the answer on the screen of FIG. 15 is answered and "Next" is selected, the screen shown in FIG. 16 displays a screen for allowing the user to select the risk tolerance of asset management.
In the example shown in FIG. 16, five risk levels A to E are presented as the risk levels (tolerance) that the user can tolerate, and one of them can be selected.
In this example, the upper and lower limits of investment profit / loss when 1 million yen is invested for one year are shown for each risk level A to E, A is the case of the lowest risk and low return, and E is the highest risk.・ In the case of high return.
Then, different portfolios are applied according to the risk levels A to E.

That is, in this embodiment, a plurality of portfolios are prepared according to the risk level. Further, the risk level (portfolio) can be arbitrarily set as, for example, 5 stages, 10 stages, 20 stages, etc., and can be prepared or changed for each financial institution 20.
Preferably, a plurality of portfolios that meet the risk level are individually prepared by each financial institution 20, and the information is provided to the investment management support DWH of the investment management support server 10 via the financial institution system 22 or the financial institution core system 50. To memorize and retain.
The portfolio may be one fund or may be composed of a plurality of funds such as fund wrap. In addition, other items such as bitcon and real estate may be used as long as they have a return commensurate with the risk.

Then, in this embodiment, a recommended portfolio that is the most suitable investment plan for the user from among a plurality of portfolios based on the risk level (tolerance) selected and tolerated by the user and the hearing information answered by the user. Is to be extracted and determined.
Here, the risk level (tolerance) and the method of determining the recommended portfolio will be described.
FIG. 17 is an explanatory diagram showing risk determination data used in the target achievement portfolio generation device according to the embodiment of the present invention, (a) is a definition table for risk determination, and (b) is (a). This is an example of risk tolerance calculation based on the definition table shown.
As shown in FIG. 17 (a), the risk level is based on hearing information obtained from the user, such as the user's age, gender, initial funds, monthly reserve fund, investment backbone, total assets held, and assumed investment results (risk tolerance). According to the portfolio type based on), predetermined points can be allocated as points.

Then, based on such a definition table, the recommended risk tolerance of each user can be calculated and determined.
Specifically, as shown in FIG. 17 (b), the corresponding user is, for example, age: 30s, gender: male, initial fund: less than 1 million yen, monthly reserve fund: less than 10,000 yen, operation period: Within 3 years ・ Total assets held: 1 million yen or more and less than 5 million yen ・ Assumed investment result (risk tolerance): If it is Portfolio D, the total score will be “55”, and the judgment result (risk) will be given to this score result. "5" can be assigned as the tolerance). Therefore, the portfolio corresponding to the risk tolerance “5” can be presented to the user as a recommended portfolio.

It should be noted that what kind of judgment result (risk tolerance) is assigned to the total points allocated based on the judgment table as described above can be freely set.
For example, depending on the financial institution and the number and type of portfolios prepared, the risk level may be "5", "10", or "20", and these risk levels. Depending on the situation, the method of calculating the risk level from the total points allocated can be freely decided.

It is also possible to select a recommended portfolio using the data shown in FIG.
FIG. 18 is an explanatory diagram showing other risk determination data used in the target achievement portfolio generator according to the embodiment of the present invention, and (a) is specified by assumed operation (risk tolerance) and operation period. A table of recommended portfolios, (b) is a table showing correction values for the recommended portfolio specified in (a).
In the example shown in FIG. 18A, one of 1 to 10 portfolios can be extracted and specified from the assumed operation A to E (risk tolerance) selected by the user and the operation period assumed by the user. It has become. The portfolios 1 to 10 shown here are assigned portfolios in which the risk increases as the number increases, and "1" is the portfolio with the lowest risk (low risk / low return). "10" is the portfolio with the highest risk (high risk and high return).
Although the assumed operations A to E (risk tolerance) selected by the user are used here, a list consisting of the risk tolerance and the operation period required in FIG. 17 (b) described above can be used instead. Is.

Then, as shown in FIG. 18 (b), the portfolio so identified is corrected by, for example, by the gender and age of the user, and by the investment ratio in all assets. The final recommended portfolio is being extracted.
For example, for a user of sex age: male 30s, assumed investment (risk tolerance): D, investment ratio to total assets held: 25-50%, portfolio "5" is extracted by FIG. 18 (a). Then, the correction values “+1” and “0” are multiplied by FIG. 18 (b), and the portfolio of “6” can be presented as the recommended portfolio.
It is possible to flexibly set and change the items and question contents for which the risk tolerance as shown in FIG. 18B is corrected.
Further, the data table for determining the risk tolerance / recommended portfolio as described above is created for each financial institution and can be stored in advance in the investment management support DWH 12 of the investment management support server 10.

Then, an investment plan / portfolio based on the recommended portfolio selected as described above is generated and displayed as an investment & consumption plan proposed to the user (step 06).
The generation of portfolio information including the investment plan / portfolio is executed by the portfolio generation display means of the investment management API 11.
FIG. 19 is a screen for presenting an investment plan generated based on the target information and hearing information input by the user, and the target amount is real estate: 10 million yen and automobile: 200 corresponding to the above-mentioned FIGS. 3 to 8. A total of 12 million yen, the target will be achieved in February 2024, 8 years and 0 months from the present time, initial investment amount: 4 million yen, monthly funded investment amount: 50,000 yen, risk level: 3 for users It is recommended and proposed.

As is clear from FIG. 19, the investment plan that is the portfolio information generated and presented in this embodiment shows a single asset management plan for a plurality of targets (real estate / automobile). Specifically, assets have increased for four years from the start of operation, and four years later, in February 2020, the purchase of automobiles, which is one of multiple goals, will temporarily increase assets. After the decrease, the assets increased again, and it was shown that the target amount of 10 million yen for real estate purchase, which is another target, can be achieved in February 2022, which is about two years earlier than the final target achievement schedule. There is.
In this way, by generating and presenting a single (common) investment plan for multiple specific goals and goals set by the user, the user can easily understand the future asset management plan. It will be available in the form and will increase incentives for investment and asset management.

In addition, the portfolio corresponding to the investment plan shown in FIG. 19 can be displayed (step 07).
Specifically, by selecting and operating the selection button (icon) called "portfolio" in the lower right column of the investment plan display screen shown in FIG. 19, a plurality of investment plans for realizing the investment plan are realized as shown in FIG. A portfolio showing the diversified investment ratio of financial products of is displayed. As a result, the user can display and confirm the specific investment allocation ratio and the like in an easy-to-understand format for the asset management presented in the investment plan.

Then, based on the investment plan / portfolio presented as described above, an actual purchase instruction and a simulation can be performed (step 08).
The purchase instruction sends a message on the system from the investment management support server 10 to the financial institution system 22 of the financial institution 20 and the financial institution backbone system 50 (the above-mentioned securities backbone system, bank financial product intermediary system, etc.). By doing so, the purchase instruction can be given.

In addition, the simulation virtually manages the investment based on the generated investment plan / portfolio without actually spending money, that is, without giving the above purchase instruction.
The setting contents (scenario) in which the simulation and the actual investment management are performed are registered and saved in the investment management support DWH of the investment management support server 10.
Therefore, it is possible to switch what was actually managed by simulation to investment management, and it is also possible to exchange what is actually managed by investment and what is managed by simulation.

In addition, the registered and saved scenarios can be duplicated and used to generate another investment plan / portfolio. For example, the user can modify the content of the duplicated scenario as appropriate, and change the plan such as changing only the risk tolerance or changing the target achievement period.
Specifically, for example, when scenario 1 and scenario 2 created in March 2016 (scenario in which a different portfolio is proposed because the risk tolerance is different from scenario 1) are set and registered at that time. Although scenario 1 was selected, when the user compared it in March 2018, two years later, the actual result is that if scenario 2 is superior and the target has already been reached, the user is scenario 1 as of March 2018. It is possible to switch to scenario 2 from the operation. Further, in the above case, it is possible not only to completely switch from scenario 1 to scenario 2, but also to transfer half of the assets under management to scenario 2 while leaving half of the assets under management in scenario 1.
It is also possible to present and disclose such investment plans / portfolios to others other than the user.

For example, only the risk tolerance can be changed based on the investment plan / portfolio scenario shown in FIGS. 19 and 20.
Specifically, FIG. 21 shows the investment plan presented in FIG. 19 in which the risk tolerance was changed from “3” to “5” and the investment plan was regenerated. By changing the risk tolerance from "3" to "5", the investment risk increases, but the time to achieve the target is shortened. Further, FIG. 22 is a screen for presenting a portfolio corresponding to the investment plan shown in FIG. 20.
Such a change in risk tolerance can be achieved by sliding the risk level display shown in the lower left column of the display screens of FIGS. 19 and 21 left and right by operating an input device such as a mouse. The degree can be changed and adjusted.

In this way, in the present invention, it is possible to generate a plurality of portfolio information having different asset management contents as portfolio information that proposes a single asset management corresponding to a plurality of target information selected by the user. ..
In addition, the portfolio information that has already been generated can be regenerated as other portfolio information with different asset management contents according to the input operation of the user.
Furthermore, the portfolio information that has already been generated can be copied and generated for the generation of other portfolio information.
Therefore, the user can generate multiple portfolios for the same goal by changing the content, for example, by changing the risk tolerance of the goal once set, and by comparing and examining them, the user can generate multiple portfolios. You will be able to review the plan, etc.

Further, in the present embodiment, the investment plan / portfolio currently in operation can be generated and displayed at any time.
FIG. 23 is a screen showing the entire investment plan currently under management in which investment management has actually started, based on the investment plan / portfolio generated with the same contents (scenario) as in FIGS. 19 and 20 described above. ..
Further, FIG. 24 is a screen for displaying the portfolio corresponding to the investment plan currently being managed displayed in FIG. 23.
In addition, FIGS. 25 and 26 are screens showing the achievement rate of one target currently under asset management displayed in FIG. 23 at the present time, FIG. 25 is a screen for “real estate”, and FIG. 26 is for “automobile”. It shows the achievement rate.

Furthermore, for the investment plan / portfolio currently under management in this way, for example, as described above, a simulation is performed in which only the risk tolerance is changed, and the portfolio or investment plan of the simulation result is converted into the portfolio under actual management or the investment plan. It can also be compared and contrasted with the investment plan.
FIG. 27 is a screen for displaying a list of scenarios currently in operation, simulation, and temporary storage as scenarios registered / saved as a target plan input / set by the user. ..
FIG. 28 is a screen for displaying a list of the achievement rates of the target plans during operation, simulation, and temporary storage corresponding to FIG. 27 at the present time.

In this way, in this embodiment, not only the recommended investment plan / portfolio is presented, but also the data actually in operation and the simulation data can be generated / displayed at the same time for comparison / comparison. It has become.
As a result, for example, it becomes possible to exchange what is actually managed by investment with what is managed by simulation.
As described above, in the present invention, a plurality of portfolio information having different asset management contents can be generated as information that can be displayed on the same screen by the display means on the customer device 30 side of the user.
This makes it possible to check the current operation details at any time, change or review the plan easily, and take agile measures according to the current situation and trends such as market conditions and market prices.

Further, in the present embodiment, the portfolio of the sales company equipment 41 of the sales company 40 related to at least one of the plurality of target information (real estate, automobile, etc.) included in the portfolio information generated as described above. The user's predetermined information related to the information is transmitted.
Here, as the transmission timing of the predetermined information to the sales company device 41 of the sales company 40, in addition to being able to transmit at any timing, the transmission is performed when the achievement level of the target information or the operation result for the current target reaches the predetermined threshold value. can.
Further, the sales company 40 side not only receives the predetermined information of the user, but also makes it possible to access the system and extract the user corresponding to the search condition, and advertise to the extracted user. It may be configured so that it can be transmitted (however, information that can identify the user is not output).

As a result, the sales company 40 can quickly obtain information on a user who is considering purchasing real estate or a user who is considering replacing a car, and can effectively advertise to the user. Can be done.
For example, a user who has an automobile sales company that is about to make a major change of a certain type and has accessed this system and has set a target for a vehicle type of the corresponding type and / or a similar vehicle type (furthermore, target amount achievement rate, operating amount, etc.) It is also possible to add conditions). As a result, the user can be notified of the price change of the vehicle due to the major change. In addition, some users may reach the current operating amount by changing the price, and the target amount can be changed automatically.
FIGS. 29 and 30 are examples of services and information provided to users of this system, and FIGS. 29 and 29 are screens for displaying a list of information on investment management provided by the financial institution 20 side. FIG. 30 is a screen for displaying a list of information provided by a sales company corresponding to the target information registered by the user.

The transmission of user information to the sales company device 41 of the sales company 40 is performed, for example, at the timing of goal registration in which the above-mentioned investment plan / portfolio information is generated (FIG. 2: step 04). Then, the information can be transmitted from the customer information transmitting means 16 of the investment management support server 10 to the sales company device 41 of the corresponding sales company 40.
In addition, the offer such as advertising from the sales company 40 side is in any mode of goal registration (Fig. 2: step 04), simulation (Fig. 2: step 08), and production investment management (Fig. 2: step 08). However, the offer can be notified from the sales company 40, which is the product provider, according to the content of the goal selected by the user.
Here, as the offer from the sales company 40, there are notifications (latest information, events, etc.) and benefits (discount coupons, campaigns, etc.) from the sales company 40, which is the product provider.

In the present embodiment described above, as an example of the display screen (FIGS. 3 to 17, 19 to 30) output / displayed on the customer terminal 30 side, a display means for a relatively large screen such as a PC display. Indicates the case where it is displayed in.
However, the display screen generated and displayed in the present invention can of course be displayed on a relatively small screen display means such as a display means of a mobile phone or a smartphone.
FIG. 31 shows an example of a display screen when the customer terminal 30 is a smartphone.
As described above, even in a small mobile terminal or the like, the functions operated by the goal achievement portfolio generator according to the present invention can be used anytime and anywhere, which is more convenient and useful for the user. It will be possible to provide asset management services.

As described above, according to the present embodiment, the investment management API 11 operated by the investment management support server 1 constituting the target achievement portfolio generation device according to the present invention is via the investment management application 21 of the financial institution 20. It is provided so that it can be displayed and used on the customer terminal 30 on the user side.
Then, the user sequentially selects one or more display items according to the display content of the investment management application 21 displayed on the customer terminal 30, and inputs an answer to the hearing information to achieve his / her asset management goal. -It is possible to generate, display, and output a single portfolio that assumes multiple targets corresponding to goals.
This presents a realistic portfolio built toward the specific goals that one wants to achieve, unlike abstract asset management plans and portfolios that have no specific goals. The dreams and pleasures of the company will be greatly expanded, the willingness to invest will be stimulated, and the incentives for further investment and asset management will be increased.

In addition, as for portfolios corresponding to specific goals, for example, by changing the risk tolerance, multiple portfolios with the same goal can be generated by changing the contents, and they can be easily compared and contrasted. And so on.
Therefore, for example, it is possible to review the plan of asset formation currently under management based on the latest analysis data, etc., and it is possible to provide it as an investment management proposal system that is highly convenient and useful for users. can.
In this way, according to one embodiment of the goal achievement portfolio generator according to the present invention, it is possible to flexibly respond to the diverse needs of various investors, and in particular, to be specific according to the life stage and the like. -It can be realized as FinTech, which can make investment management proposals suitable for individual investors who desire systematic asset management.

Although the present invention has been described above with reference to preferred embodiments, it is needless to say that the present invention is not limited to the above-described embodiments and various modifications can be made within the scope of the present invention.
For example, in the above-described embodiment, seven items of real estate, automobile, travel, hobby, life event, retirement, and savings are selected as the target information according to the present invention in the target / goal display selection items that are the entrance to the portfolio generation. Although it was intended to be displayed and provided, this is just an example, and the target information can be changed, added, or reduced in addition to these. In addition, the sales company can be changed, added, reduced, etc. accordingly.

Similarly, the hearing information answered by the user is not limited to the above-described embodiment, and necessary hearing information can be arbitrarily set and changed.
Further, the display screen that can be displayed / viewed on the customer terminal shown in the above embodiment is an example, and it goes without saying that the screen configuration and contents can be arbitrarily set / changed.

INDUSTRIAL APPLICABILITY The present invention can be used as an investment management proposal system that supports a business in which a financial institution or the like provides advice or proposals related to investment to investors.

10 Investment management support server 11 Investment management API
12 Investment management support DWH
13 Target display means 14 Hearing display means 15 Portfolio generation display means 16 Customer information transmission means 20 Financial institution 21 Investment management application 22 Financial institution system 30 Customer terminal 40 Sales company 41 Sales company terminal 50 Financial institution core system

Claims (9)

An information processing device that generates portfolio information that proposes asset management to achieve the goals set by the customer based on the input information.
A means for selectively displaying list information of a plurality of products and / or services that are the goals of asset management as predetermined target information that can be selected by the customer by input operation of the customer terminal.
As predetermined information that the customer can answer by the input operation of the customer terminal, a means for displaying the target amount and the target achievement schedule information for the product and / or service selected from the target information so as to be inputtable.
A portfolio generation display means for generating portfolio information composed of a plurality of financial products based on a risk tolerance selected by an input operation of the customer terminal and displaying the portfolio information visually on the customer terminal is provided.
The portfolio generation display means
A single asset management plan information indicating an investment and / or consumption plan for a product and / or service selected as the goal of asset management is selected and answered by an input operation of the customer terminal. Informedly generated,
The asset management plan information is a target achievement portfolio generation device characterized by showing an asset management plan obtained by subtracting the target amount of the goal at the set target achievement time of the asset management goal. The portfolio generation display means
The target achievement portfolio generation device according to claim 1, wherein a plurality of portfolio information having different asset management contents is generated as portfolio information that proposes a single asset management corresponding to the target information selected by the customer. The portfolio generation display means
The target achievement portfolio generation device according to claim 2, wherein a plurality of portfolio information having different asset management contents is generated as information that can be displayed on the same screen on the customer terminal. The portfolio generation display means
The target achievement portfolio according to any one of claims 1 to 3, wherein the portfolio information already generated is regenerated as other portfolio information having different asset management contents in response to the input operation of the customer terminal. Generator. A customer information transmission means for transmitting predetermined information about a customer related to the portfolio information to an external device related to at least one of a plurality of target information included in the portfolio information generated by the portfolio generation display means is provided.
The goal achievement portfolio generation device according to any one of claims 1 to 4, wherein the device is characterized by the above. The portfolio generation display means
The goal achievement portfolio generator according to any one of claims 1 to 5, wherein the portfolio information already generated is copied and generated for generation of other portfolio information. The target achievement portfolio generation device according to any one of claims 1 to 6, wherein the target amount and target achievement schedule information include personal attribute information of a customer. A computer that constitutes an information processing device that generates portfolio information that proposes asset management to achieve the goals set by the customer based on the input information.
A means for selectively displaying list information of a plurality of products and / or services that are the goals of asset management as predetermined target information that can be selected by the customer by input operation of the customer terminal.
A means for inputting and displaying a target amount of money and target achievement schedule information for a product and / or service selected from the target information as predetermined information that can be answered by the customer by an input operation of the customer terminal.
Based on the risk tolerance selected by the input operation of the customer terminal, the portfolio information consisting of a plurality of financial products is generated and functioned as a portfolio generation display means to be visually displayed on the customer terminal.
In the portfolio generation display means,
A single asset management plan information indicating an investment and / or consumption plan for a product and / or service selected as the goal of asset management is selected and answered by an input operation of the customer terminal. Informedly generated,
The asset management plan information is a goal achievement portfolio generation program characterized in that an asset management plan obtained by subtracting the target amount of the goal at the set target achievement time of the asset management goal is shown. Using a computer that configures an information processing device that generates portfolio information that proposes asset management to achieve the goals set by the customer based on the input information.
A procedure for selectively displaying list information of multiple products and / or services that are the goals of asset management as predetermined target information that can be selected by the customer by input operation of the customer terminal.
A procedure for displaying the target amount and target achievement schedule information for a product and / or service selected from the target information as predetermined information that can be answered by the customer by the input operation of the customer terminal.
Based on the risk tolerance selected by the input operation of the customer terminal, the portfolio generation display procedure of generating portfolio information consisting of a plurality of financial products and displaying it visually on the customer terminal is executed.
In the portfolio generation display procedure,
A single asset management plan information indicating an investment and / or consumption plan for a product and / or service selected as the goal of asset management is selected and answered by an input operation of the customer terminal. Informedly generated,
A target achievement portfolio generation method characterized in that the asset management plan information is shown as an asset management plan obtained by subtracting the target amount of the goal at the set target achievement time of the asset management goal.

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