JP2022055920A - Asset management device and asset management support program - Google Patents

Abstract

To support asset management appropriate for a user.SOLUTION: An asset management device comprises: data generation means 101 which generates financial information until 40 years later (a predetermined time limit) as internal creation data A-Z, AA-AH, based on inputted present financial information and future estimated incomings and outgoings; an internal creation data storage unit 6 which stores the internal creation data A-Z, AA-AH; variation calculation means 111 which calculates the variation of each item including an income (spendable earnings) in each year, for example, until 40 years later (the predetermined time limit) after the present, on the basis of the stored internal creation data A, E, H, K (estimation financial information); and cause item extraction means 112 which extracts one or more items caused by the minus of the income (spendable earnings), in a period in which the income (spendable earnings) is minus among the items for each year calculated by the variation calculation means 111.SELECTED DRAWING: Figure 1

Description

The present invention relates to an asset management support device and an asset management support program that support appropriate asset management for a user.

As a means of asset management performed by an individual, for example, there are stock investment and real estate investment.

When managing assets, it is necessary to calculate profits based on sales, expenses, tax payments, etc. in order to understand how much income can be increased.

For example, Patent Document 1 describes at least one of a balance sheet, an income statement, and a cash flow statement for each fiscal year when a property is purchased, based on the property information and financial information stored in the storage unit. A real estate investment simulation system that simulates future financial data when a property is purchased is described by calculating the account data that constitutes.

Japanese Patent No. 6612828

The real estate investment simulation system described in Patent Document 1 simulates future financial data when a property is purchased, but users often wonder how to analyze based on the simulation results. Users have longed to find out where the problem lies in their current financial information in order to increase their income.

However, the real estate investment simulation system described in Patent Document 1 has insufficient support because it only executes the simulation, and it is difficult for the user to grasp the financial problem based on the simulation result. Therefore, it has become more difficult to solve the problem of profitability and manage assets appropriately.

The present invention has been made in view of the above problems, and an object of the present invention is to provide an asset management support device and an asset management support program that support appropriate asset management for a user.

In order to solve the above object, the first feature of the present invention and the asset management support device is
Assumed financial information calculation means that calculates financial information up to a predetermined deadline as assumed financial information based on the entered current financial information and expected future income and expenses.
A storage means for storing the assumed financial information calculated by the assumed financial information calculation means, and a storage means for storing the assumed financial information.
An output means for outputting a message regarding asset management based on the assumed financial information stored in the storage means, and an output means.
It is to have.

The second feature of the present invention and the asset management support device is
A change amount calculation means for calculating the change amount for the items included in the stored assumed financial information in each year until the predetermined deadline.
Further provided with a causal item extraction means for extracting one or more items due to the negative income during the period when the income is negative among the annual items calculated by the change amount calculating means.
The output means is to output a message regarding the current problem based on the items extracted by the cause item extraction means.

The third feature of the present invention and the asset management support device is
The above items are classified into income category, expenditure category, and tax category.
The cause item extraction means is
The purpose is to extract the item that has decreased the most from the items classified into the income category, and to extract the item that has increased the most from the items classified into the expenditure category and the tax category.

The fourth feature of the present invention and the asset management support device is
It is further provided with an advice generation unit that generates advice for improving income based on the items contained in the assumed financial information stored in the storage means.

The fifth feature of the present invention and the asset management support device is
In order to reduce the negative income, it is further provided with an advice generation unit that generates advice for improving the items extracted by the cause item extraction means.

The sixth feature of the present invention and the asset management support device is
The above items include depreciation and borrowing,
The advice generation unit
A new investment advice generating means that generates the investment timing and repayment period of a new investment based on the useful life of each building type when the year when the depreciation cost becomes zero is earlier than the year when the borrowing is paid off.
Equipped with
The output means outputs the investment timing and repayment period generated by the new investment advice generation means as advice.

The seventh feature of the present invention and the asset management support device is
The new investment advice generation means further
Generate investment timing and repayment period for new investment based on income, inheritance tax and user orientation included in the above items.
The output means outputs the investment timing and repayment period generated by the new investment advice generation means as advice.

The eighth feature of the present invention and the asset management support device is
The assumed financial information calculation means calculates financial information up to a predetermined deadline when a new investment is made as assumed financial information.
The output means is one or more of the determination conditions of the assumed financial information calculated by the assumed financial information calculation means, the profit effect up to inheritance, the tax saving effect of inheritance tax, and the profit effect after division. The purpose is to output the effect of new investment based on the conditions.

The ninth feature of the present invention and the asset management support device is
The above items include depreciation and borrowing,
The advice generation unit
Advance repayment advice that sets the year subject to depreciation as the prepayment start year and the borrowing balance repayment year as the prepayment end year when the year of repayment of the borrowing is later than the year when the depreciation cost becomes zero. Equipped with a means of generation,
The output means is to output the prepayment start year and the prepayment end year generated by the prepayment advice generation means as advice.

The tenth feature of the present invention and the asset management support device is
The prepayment advice generation means is
For the decedent, the loan balance when the depreciation cost becomes zero and the name of the property purchased with this loan are extracted, and the year when the loan balance at the end of the year becomes zero is extracted.
For heirs, the total of the loan balance when the depreciation cost becomes zero divided by the inheritance ratio and the name of the property purchased with this loan are extracted, and the year when the loan balance at the end of the year becomes zero is extracted. ,
The output means is to output the borrowing balance, the property name, the year, and the total extracted by the prepayment advice generation means as advice.

The eleventh feature of the present invention and the asset management support device is
The above items include loans for each property.
The advice generation unit
Equipped with a building relocation advice generation means that calculates the fixed asset valuation amount for each property when the balance of the borrowed money becomes zero, and calculates the planned gift amount by prorating the calculated fixed asset valuation amount among the heirs. ,
The output means is to output the estimated gift amount generated by the building relocation advice generation means as advice.

The twelfth feature of the present invention and the asset management support device is
The above items include depreciation and borrowing for each property.
The advice generation unit
Large-scale repair advice generation method that calculates the amount of rent increase based on the entered repair amount, building type, number of units, borrowing amount, borrowing period, interest rate,
Equipped with
The output means is to output the rent increase amount generated by the large-scale repair advice generation means as advice.

The thirteenth feature of the present invention and the asset management support device is
The assumed financial information stored in the storage means includes items that can be used as a source of tax payment.
Based on the assumed financial information, the tax payment amount calculation means for calculating the inheritance tax payment amount for each year by the statutory inheritance apportionment and the inheritance apportionment arbitrarily set for each heir.
A means for calculating the balance of funds, which is calculated by subtracting the calculated amount of tax payment from the total amount of items that are the source of tax payment for each year as the balance of funds.
Equipped with
The output means is
When the remaining amount of funds calculated by the above-mentioned means for calculating the remaining amount of funds is negative, a message indicating that there is a problem with inheritance is output.

The fourteenth feature of the present invention and the asset management support device is
The tax payment calculation means is
The tax payment amount when the heir is added is calculated as the first tax payment amount, and the tax payment amount when the deposit and savings amount included in the above item is used for life insurance is calculated as the second tax payment amount and included in the above item. The amount of tax paid when the maximum amount of accumulated retirement allowance is utilized out of the amount of income and deposits and savings is calculated as the third tax payment amount.
It is equipped with a means for generating tax-saving advice that calculates the difference between the tax-paid amount and each of the first to third tax-paid amounts as the tax-saving amount.

The first feature of the present invention and the asset management support program is
Assumed financial information calculation step to calculate financial information up to a predetermined deadline as assumed financial information based on the entered current financial information and expected future income and expenses.
A storage control step for storing the assumed financial information calculated by the assumed financial information calculation step in a storage means, and a storage control step.
A change amount calculation step for calculating a change amount for an item included in the stored assumed financial information in each year until the predetermined deadline, and a change amount calculation step.
An output step that outputs a message based on the assumed financial information stored in the storage means, and
To let the computer run.

According to the asset management device and the asset management support program according to the present invention, it is possible to support appropriate asset management for the user.

It is a schematic block diagram which showed the schematic structure of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the various internally created data stored in the internally created data storage unit 6 provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of various internally created data stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of various internally created data stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of various internally created data stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of various internally created data stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of various internally created data stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the top screen displayed on the monitor 2. It is a flowchart which showed the processing content of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the change amount of each item from the present to the next 40 years (predetermined deadline) generated based on the internally created data A, E, H, K (assumed financial information). The items shown in FIG. 5 are rearranged into items related to the reason for the decrease in income, items related to the reason for the increase in expenditure, and items related to the reason for the increase in tax. For each item, the maximum amount of change and the year when the amount of change is maximum are shown. It is a flowchart which showed the processing content of the display data creation processing by the asset management support apparatus which is one Embodiment of this invention. It is a flowchart which showed the processing content of the display data creation processing by the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the message table stored in the internally created data storage part provided in the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the display problem display screen. It is a flowchart which showed the process which generated the advice about the new investment by the new investment advice generation means of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the new investment advice screen displayed by the display control means of the asset management support apparatus which is one Embodiment of this invention. It is a flowchart which showed the process of generating the advice about the prepayment by the prepayment advice generation means of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the advance repayment advice screen to the decedent displayed by the display control means of the asset management support apparatus which is one Embodiment of this invention. It is a flowchart which showed the process which generated the advice about the building relocation by the building relocation advice generation means of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the building relocation advice screen displayed by the display control means of the asset management support device which is one Embodiment of this invention. It is a flowchart which showed the process of generating the advice about the large-scale repair by the large-scale repair advice generation means of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the large-scale repair advice screen displayed by the display control means of the asset management support apparatus which is one Embodiment of this invention. It is a flowchart which showed the processing content of problem extraction at the time of inheritance tax payment of the asset management support apparatus which is one Embodiment of this invention. This is an example of a problem extraction result display screen at the time of inheritance tax payment in the asset management support device according to the embodiment of the present invention. It is a flowchart which showed the processing content of the generation process of the tax saving advice by the tax saving advice generation means of the asset management support apparatus which is one Embodiment of this invention. This is an example of a tax-saving advice screen when a basic deduction is applied in the asset management support device according to the embodiment of the present invention. This is an example of a tax-saving advice screen when death insurance is applied in the asset management support device according to the embodiment of the present invention. This is an example of a tax-saving advice screen when a death severance pay is applied in the asset management support device according to the embodiment of the present invention. It is a flowchart which showed the processing content of the optimum property search of the asset management support apparatus which is one Embodiment of this invention. It is a figure which showed an example of the judgment condition input screen in the asset management support apparatus which is one Embodiment of this invention. An example of internally created data J (effect comparison) generated by the effect comparison process in the asset management support device according to the embodiment of the present invention is shown. An example of the internally created data L created by the processing of the total profit after division in the asset management support device according to the embodiment of the present invention is shown.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The same or equivalent parts and components are designated by the same or equivalent reference numerals throughout the drawings. However, it should be noted that the drawings are schematic and may differ from the actual ones. In addition, there are parts where the relationships and ratios of the dimensions of the drawings are different from each other.

Further, the embodiments shown below exemplify an apparatus or the like for embodying the technical idea of the present invention, and the technical idea of the present invention describes the arrangement of each component and the like as follows. It is not specific to. The technical idea of the present invention can be modified in various ways within the scope of claims.

Hereinafter, the asset management support device according to the embodiment of the present invention will be described.

FIG. 1 is a schematic configuration diagram showing a schematic configuration of an asset management support device according to an embodiment of the present invention.

As shown in FIG. 1, the monitor 2 and the input device 3 are connected to the asset management support device 1.

The monitor 2 is composed of an organic EL (electroluminescence) display, a liquid crystal display, or the like, and displays various screens based on the instructions of the asset management support device 1.

The input device 3 includes a mouse, a keyboard, and the like, and generates an input signal by user operation and supplies it to the asset management support device 1.

The asset management support device 1 is a device that mainly supports asset management through real estate investment.

The asset management support device 1 includes an input / output interface unit 5, an internally created data storage unit 6, and a control unit 10.

The input / output interface unit 5 receives signals from the input device 3 requesting display of problems and display of advice, and receives various data. Further, the input / output interface unit 5 transmits signals for displaying various screens such as a problem display screen and an advice display screen to the monitor 2.

The internally created data storage unit 6 stores various internally created data.

2A to 2F are diagrams showing an example of various internally created data stored in the internally created data storage unit 6.

As shown in FIGS. 2A to 2F, the various internally created data include the internally created data A to Z and the internally created data AA to AH. The internally created data A to Z and AA to AH include the data shown in the data examples of FIGS. 2A to 2C. Here, it is assumed that the heirs are (spouse) (child 1) to (child 5).

The internally created data A is data showing the figures on the tax return of the decedent and the result of making a trial calculation of the actual cash flow over 40 years. It is created based on each data of living expenses change input, real estate income, income breakdown change input, depreciation calculation, borrowing transition table, final tax return change input, land evaluation change, building evaluation summary table. Based on this data, split cash flow, inheritance calculation, etc. are performed, and by combining data on new profit / loss / cash flow, post-measure profit / loss / cash flow, post-measure inheritance calculation, post-measure split cash flow, etc. are created. It is the original data on the income of the decedent in the current situation.

The format of the internally created data B is the same as that of the internally created data A. It shows the number of new investment alone when new investment in real estate is made. It will be used as an interface and will be the data to pass the numbers of new investment. Internally created data B is created based on each data of business outline, site outline, repayment plan, depreciation cost, land evaluation change input, and building evaluation change input. The repayment schedule, depreciation cost, and land valuation change input are the names in the CHANG program, and are different data from those in the FUTURE program. The CHANG program includes input screens, data, and programs related to new investment, and the FUTURE program also includes input screens, data, and programs for current asset and income and expenditure information.

The internally created data C is data comparing the current situation and the take-home income when the prepayment is made for the decedent before the measures are taken. For the internally created data C, the current take-home income is created by pressing the data save button before inputting the prepayment (not shown) for the profit / loss / cash take-home income, and the profit / loss / cash take-home income after the prepayment is executed. It is the data comparing both by setting the time after prepayment. A graph is displayed based on the data.

Further, the internally created data C is data comparing the take-home income of each heir when inheriting by voluntary inheritance apportionment and when the current situation before the countermeasure and the prepayment are made. In detail, the take-home income of each of the split cash flow (spouse) (child 1) to (child 5) is calculated at the same timing when the data save button before prepayment input provided in the prepayment comparison table (not shown) is pressed. The data is a comparison between the two, by creating the current take-home income and setting the take-home income of the split cash flow (spouse) (child 1) to (child 5) after the prepayment as the prepayment. When displaying a graph, it is used to display each graph by inputting 0, 1 to 5 in the graph display selection.

The internally created data D is data obtained by calculating the primary and secondary inheritances for 40 years by statutory inheritance apportionment, taking into consideration the asset valuation amount that changes year by year from the current assets and the cash remaining, and adding them together. This is for calculating inheritance tax based on the total data of land valuation change, building valuation summary table, inheritance valuation, and repayment plan table. In addition, as processing of tax-saving advice, data before processing is also stored in order to compare before and after the addition of one legal heir, the addition of death insurance, and the addition of severance pay.

The internally created data E is the result of calculating the actual cash flow over 40 years and the figures on the tax declaration of each heir in the case of inheritance by voluntary inheritance apportionment based on the internally created data A. It is the data to represent. In the case of a spouse, the internally created data E is a living expense change input (spouse), real estate income split, income and expenditure breakdown change input (spouse), split depreciation transition table, split borrowing transition table (spouse), final tax return. Created based on change input (spouse) data. (Child 1) to (Child 5) have similar data. This is the original data on the income of spouses and children 1 to 5 at present. In addition, by combining this data with the new cash flow split, the split cash flow (spouse) (child 1) to (child 5) after the measures are created.

The internally created data F is the total of the repayment amount, the principal, the interest, the loan balance, the prepayment, the building valuation amount, and the property tax for each year based on the internally created data T, and changes for 40 years. It is the data representing. That is, it is the data obtained by aggregating the internally created data T (repayment plan tables 1 to 12). Based on this, a borrowing transition table is created, which is reflected in profit and loss and cash flow.

The internally created data G is obtained by adding the data of the internally created data N of the new investment to the extracted principal, interest, repayment amount, and loan balance based on the internally created data F, and obtaining the numerical value after the countermeasure. Data. The internally created data G is created based on the total of the new repayment schedule and the post-measurement repayment schedule. Rebuild each data and calculate the figures by taking into account the conditions for prepayment. Based on this, it will be reflected in the data of profit and loss and cash flow after measures.

The internally created data H is data obtained by adding the internally created data A and the internally created data B to obtain a numerical value after countermeasures. Internally created data H is created based on each data of profit / loss / cash flow, new profit / loss / cash flow, real estate income, land valuation change after measures, building valuation summary table after measures, depreciation calculation, and borrowing transition table after measures. .. It will be the original data on the income and expenditure of the decedent after the measures are taken.

As with the internally created data D, the internally created data I is a hand that has been changed by adding up the asset valuation that changes year by year from the current assets and the assets newly added by new investment, and by adding new investment. This is the data obtained by calculating the primary and secondary inheritance for 40 years by statutory inheritance apportionment in consideration of the remaining cash, etc., and adding them together. Inheritance calculation is executed based on the total of land evaluation change after measures, building evaluation summary table after measures, inheritance evaluation, building evaluation summary table, new repayment plan table, gift input, and repayment plan table after measures. It is the data that was made.

The internally created data J is the data obtained by comparing the internally created data A and the internally created data H to calculate the income effect, the data obtained by comparing the internally created data D and the internally created data I, and the data obtained by calculating the inheritance effect, and the income. It contains data for which the total effect is calculated by adding up the effect and the inheritance effect. This is the result of an inheritance comparison that compares the total amount of inheritance tax for inheritance tax printing and inheritance tax printing after measures, by comparing income by comparing profit and loss / cash flow, and profit / loss / cash take-home income after measures.

The internally created data K is the sum of the internally created data E and the data obtained by dividing the internally created data B into each heir at the ratio input by the new building inheritance ratio and the inheritance ratio after countermeasures. It is data. Internally created data K is land evaluation change after measures, new cash flow split, split cash flow (spouse) (child 1) to (child 5), split repayment plan (spouse) (child 1) to (child 5), measures Created based on the post-split borrowing transition table and split depreciation transition table.

The internally created data L is the viewpoint of the inheritor before and after the countermeasure, by obtaining the difference between the internally created data E and the internal created data K from the data obtained by calculating the total value from the corresponding year to 40 years later. Therefore, it is the data obtained from the profit obtained after the inheritance. The internally created data L is created based on the split cash flow (spouse) (child 1) to (child 5) and the post-measure split cash flow (spouse) (child 1) to (child 5). This data is used in income comparison to calculate the effects of spouses and children 1-5.

The internally created data N is repayment data (similar to the internally created data F) of the newly invested property alone, negative data when using the group credit, and prepayment data. In addition, it is the data to be passed between the programs at the time of each processing of the optimum price determination and the optimum property search. Internally created data N is created based on the business outline, site outline, primary loan, secondary loan, tertiary loan, building evaluation, profit / loss / cash flow, and group credit total in the CHANG program.

The internally created data M is a data aggregate in which 21 contents returned from the internally created data N are accumulated in order to display the optimum price as a result on the screen. In detail, we will verify the income effect and inheritance effect for a total of 21 cases when the current main unit price is added and decreased by 1 million yen before and after. In that case, various expenses are automatically calculated, and the rate of own funds and borrowings 1, 2 and 3 is kept constant.

The internally created data O is data obtained by calculating the primary inheritance for 40 years by voluntary inheritance apportionment, taking into consideration the asset valuation amount that changes year by year from the current assets and the cash remaining, and adding them together. It is created based on inheritance calculation, land evaluation change, split repayment plan (spouse) (child 1) to (child 5), building evaluation, building evaluation summary table, legal heir, inheritance evaluation.

The internally created data P is data necessary for reading the designated corresponding data of the internally created data A or the internally created data E and displaying each screen for problems and advice. The internally created data Q is used to display a problem screen or an advice screen when the current problem and the problem after division are selected in the problem extraction.

The internally created data Q is data necessary for reading the relevant data, inheritance problems, and displaying each screen for tax saving advice. The internally created data Q is used to display the problem screen or the tax saving advice screen when the current problem (legal inheritance apportionment) and the post-division problem (arbitrary inheritance apportionment) are selected in the problem extraction. Be done.

The internally created data R is data such as the asset status of land and buildings owned by the decedent, cash, securities, and other assets (life insurance money, retirement allowance). In addition, the inheritance ratio of each is also input. It consists of a part to be input and a part to divide the data into each heir based on the data. The input part is roughly divided into land, buildings, and other property, and land and buildings are divided into those with and without borrowing. For land and buildings that have been borrowed, some references will be made from the contents of the borrowing information input.

The internally created data S is a repayment plan table after inheritance of each person, which is created based on the internally created data T according to the inheritance ratio specified in the borrowing information input. For borrowing-related data, data is created based on borrowing information input and repayment schedule, and for building-related data, data is created based on inheritance evaluation and building evaluation summary table.

The internally created data T is data representing changes in the repayment amount, of which the principal, of which the interest, the loan balance, the prepayment, and the building valuation amount are changed for 40 years based on the information input in the borrowing information input. Data is created based on the information entered in the borrowing information input, and if the change is made in the interest rate change input or the prepayment input, it will be updated with the contents. Based on this data, on the income and expenditure side, it is reflected in the interest expense of profit and loss / cash flow, the amount of borrowing repayment, and the balance of the borrowing principal. It is reflected in the borrowing balance of.

Based on the information entered in the borrowing information input, the internally created data U inputs the taxable standard amount, inheritance tax valuation amount, property tax, etc. for each property, the aged deduction correction rate, and the contents of the building valuation amount change input. Based on this, it is data showing the transition for 40 years. It is created based on the repayment schedule, borrowing information input, and inheritance evaluation, and if the evaluation value change is input in the building evaluation change input, it will be updated with the contents. This information is reflected in the building valuation amount of the total repayment schedule and the property tax, or in the tax and public dues (building) of profit and loss and cash flow. On the inheritance side, it is reflected in the building evaluation of the inheritance calculation.

The internally created data V is the input data of the contents of the loan, the property tax and the elapsed years of the building, and the inheritance ratio. Here, the loan is associated with the property. The data entered here will be the source data for creating the repayment plan table and building evaluation summary table. In addition, necessary data will be handed over to the land and building where the inheritance evaluation is borrowed, and both will be related.

The internally created data W is the input data of the decedent and the name and age of the heir. As a result, the number of inheritors and the data after division to be created are recognized. It also includes the entered inheritance percentage of cash, securities and other assets. The inheritance ratio is a value input in advance. Specifically, the income to be inherited is input as real estate income, the cost of the property to be inherited is calculated as depreciation expense (real estate), the borrowing to be inherited is input as borrowing information, and the real estate to be inherited is input by inheritance evaluation. Here, enter the inheritance ratio of cash, securities, and other assets that are other assets.

The internally created data X acquires cash from the internally created data D, securities from the internally created data R, small-scale mutual aid from the internally created data A, and according to the inheritance ratio of the internally created data W. This is data obtained by calculating the cash inheritance amount, acquiring the tax payment amount from the internally created data O, calculating the difference, and performing this for each heir for 40 years. A balance comparison graph, a balance effect graph, and a balance effect are created based on the tax payable amount after the split and the tax payable amount after the measures.

The internally created data Y is the data for changing the current final tax return by dividing the period because it is expected to change with time. It is transferred to the internally created data A and reflected in the tax calculation. Includes data for entering the amount of each item such as income amount, income amount, amount deducted from income, and blue declaration deduction by dividing the period, and data for converting the entered contents into data for each year. There is.

The internally created data Z is the data of the breakdown of the income of the real estate income of the final tax return. It includes data on the breakdown of income from real estate income and data converted into income for each year by multiplying the income increase / decrease rate entered by dividing the period in the income change input. It also has data for deducting the relevant property when rebuilding is selected.

The internally created data AA is preparation data for displaying the profit comparison from the internally created data L and the inheritance comparison from the internally created data O and the internally created data AG on the effect confirmation screen. Inheritance calculation after splitting by adding up the split cash flow (spouse) (child 1) to (child 5) and the post-split cash flow (spouse) (child 1) to (child 5) , It is used to compare the inheritance surface before and after the countermeasure in the split inheritance calculation after the countermeasure.

The internally created data AB is preparation data for displaying the internally created data A, the internally created data E, the internally created data H, and the internally created data K on the profit / loss / cash flow screen. For details, before and after the measures, by instructing by name, profit / loss / cash flow, split cash flow (spouse) (child 1) to (child 5), profit / loss / cash flow after measures, post-measure split cash flow (spouse) (children) Corresponding data is prepared from 1) to (child 5).

The internally created data AC has the same format and processing content as the internally created data P, and differs in that the read data is the internally created data H and the internally created data K. This is the data to be displayed at the time of verification of the effect confirmation screen. By giving 9 or 0, 1 to 5 to the designated area, the corresponding data is prepared from the profit / loss / cash flow after the measures and the split cash flow after the measures (spouse) (child 1) to (child 5).

The internally created data AD cuts out a part of the processing of the internally created data P and the internally created data AC, obtains the change amount, the change amount cumulative, the change amount maximum, and the change amount maximum year, and becomes the data for displaying the real estate income. Created based on profit / loss / cash flow problems, post-countermeasure split verification, real estate income split, and post-countermeasure real estate income split.

The internally created data AE is the same as the internally created data AD, and differs in that the read data is depreciation expense. Created based on profit / loss / cash flow problems, post-measure split verification, and depreciation calculation.

The internally created data AF becomes preparation data for detailed display by reading the internally created data AD or the internally created data AE. It is data for displaying the details of real estate income or depreciation expense during the profit / loss / cash flow display when the profit / loss / cash flow button for problem extraction or the profit / loss / cash flow button at the time of verifying the effect is pressed. Read the detailed display (real estate income) or detailed display (depreciation) data.

The internally created data AG is data obtained by calculating the primary inheritance for 40 years by arbitrary inheritance apportionment based on the internally created data I and adding them together. Created based on inheritance calculation after measures, land evaluation change after measures, split repayment plan (spouse) (child 1) to (child 5), building evaluation, building evaluation summary table, legal heir, inheritance evaluation.

The internally created data AH acquires cash from the internally created data I, securities from the internally created data R, and small-scale mutual aid from the internally created data A, and determines the cash inheritance amount according to the inheritance ratio of the internally created data W. It is the calculated data. Obtain the tax payment amount from the internally created data AG and calculate the difference. Do this for each heir and calculate 40 years. Based on the amount that can be paid after the split and the amount that can be paid in installments after the measures, a balance comparison graph, a balance effect graph, and a balance effect are created.

The control unit 10 has an arithmetic processing unit such as a CPU, and in terms of its functions, the data generation unit 101, the problem extraction unit 110, the advice generation unit 120, the effect verification unit 130, and the display control unit 140. And configure.

The data generation means 101 generates internally created data A to Z and AA to AH based on various data received from the input device 3, and stores them in the internally created data storage unit 6. For example, the data generation means 101 generates financial information up to a predetermined deadline as internally created data A to Z and AA to AH based on the input current financial information and future expected income and expenditure.

When there is a request for problem extraction, the problem extraction unit 110 extracts a problem in which the income is negative based on the internally created data A to Z, AA to AH and the data received from the input device 3. do.

FIG. 3 is a diagram showing an example of a top screen displayed on the monitor 2.

As shown in FIG. 3, on the top screen, the current problem button B101 for requesting the extraction of the current problem related to profit and the current situation for requesting the extraction of the current problem related to inheritance. A problem button (legal inheritance apportionment) B102 is provided.

When the user presses the current problem button B101 from the top screen, the user is required to extract the current problem related to the balance. Specifically, when the current problem button B101 is pressed, the processing is mainly developed for the internally created data A (profit and loss / cash flow I to VI).

Further, when the spouse of the problem after division located below the current problem button B101 or the button B103 of any of children 1 to 5 is pressed, the internally created data E (split cash flow (spouse) (child)). Processing is mainly developed from 1) to (children 5)).

When the current problem button (legal inheritance apportionment) B102 is pressed, extraction of the current problem related to inheritance is required. Specifically, when the current problem (legal inheritance apportionment) button B102 is pressed, processing is mainly developed for the internally created data D (inheritance calculation).

In addition, when the spouse or child 1 to 5 button B104 of the post-division problem (arbitrary inheritance apportionment) located below the current problem button (legal inheritance apportionment) B102 is pressed, the internally created data O Processing is mainly developed (inheritance calculation after division).

The advice generation unit 120 generates advice for improving income based on the assumed financial information stored in the internally created data storage unit 6. For example, the advice generation unit 120 generates advice for improving the items extracted by the cause item extraction means in order to reduce the negative amount of income change.

The effect verification means 130 verifies the effect of the advice generated by the advice generation unit 120. Specifically, the effect verification means 130 uses data comparing the case where the advice generated by the advice generation unit 120 is applied and the case where the advice is not applied with the take-home income for a predetermined period (for example, 40 years). Generate.

The display control means 140 outputs a message for asset management based on the assumed financial information stored in the internally created data storage unit 6. For example, the display control means 140 is effective by the problem display screen including the problems extracted by the problem extraction unit 110, the advice display screen including the advice generated by the advice generation unit 120, and the effect verification means 130. Screen data for displaying various screens such as a verification screen on the monitor 2 is generated and transmitted to the monitor 2 via the input / output interface unit 5.

The problem extraction unit 110 includes a change amount calculation unit 111, a cause item extraction unit 112, a tax payment amount calculation unit 113, and a fund balance calculation unit 114.

The change amount calculation means 111 is based on the stored internally created data A, E, H, K (assumed financial information), and the income (take-home payment) in each year from the present to, for example, 40 years from now (predetermined deadline). Calculate the amount of change in each item including income). Assumed financial information includes data for each item for each year up to 40 years from now (predetermined deadline). Here, the income (take-home income) is the income minus the expenditure. Income includes real estate rent and other non-real estate income. Expenditures include taxes and public dues, repair costs, interest expense, insurance premiums, living expenses, taxes, etc. The items are the above-mentioned income and expenditure items, and are, for example, real estate rent, other non-real estate income, taxes and public dues, repair costs, interest expense, insurance premiums, living expenses, taxes, and the like.

The causal item extraction means 112 extracts one or more items due to the negative income in the period when the income (take-home income) is negative among the annual items calculated by the change amount calculation means 111.

The tax payment amount calculation means 113 calculates the inheritance tax payment amount for each year by the statutory inheritance apportionment and the inheritance apportionment arbitrarily set for each heir based on the assumed financial information.

The fund balance calculation means 114 calculates the amount obtained by subtracting the calculated tax payment amount from the total amount of items that are the source of tax payment for each year as the fund balance.

The advice generation unit 120 generates advice for improving the items extracted by the causal item extraction means 112 in order to reduce the negative amount of income change. The advice generation unit 120 has a new investment advice generation unit 121, an prepayment advice generation unit 122, a building relocation advice generation unit 123, a large-scale repair advice generation unit 124, and a tax-saving advice generation unit 125. ..

The new investment advice generating means 121 generates the investment timing and repayment period of a new investment based on the expiration year of the depreciation period for each building type when the year when the depreciation cost becomes zero is earlier than the year when the borrowing is paid off. do. More specifically, the new investment advice generating means 121 has an effective repayment period and the expiration of the depreciation period for each building type when the year when the depreciation cost becomes zero is earlier than the year when the loan is paid off. Generate new investment timing by year and important items.

The prepayment advice generating means 122 sets the year subject to depreciation as the prepayment start year and sets the borrowing balance repayment year as the prepayment end year when the year in which the borrowing is paid off is later than the year when the depreciation cost becomes zero. Set as.

The building relocation advice generation means 123 calculates the fixed asset valuation amount for each property when the loan balance becomes zero, and calculates the planned gift amount by prorating the calculated fixed asset valuation amount among the heirs.

The large-scale repair advice generation means 124 calculates the rent increase amount based on the input repair amount, building type, number of units, borrowing amount, borrowing period, and interest rate. In addition, the large-scale repair advice generation means 124 sequentially displays the ones with a large decrease in depreciation expenses from the year when the taxable income becomes positive, and proposes the timing of the large-scale repair on the left side of the screen.

The tax-saving advice generation means 125 calculates the tax payment amount when an heir is added as the first tax payment amount, and calculates the tax payment amount when the deposit and savings amount included in the item is used for life insurance as the second tax payment amount. , The amount of tax paid when the maximum amount of accumulated retirement allowance is used among the amount of income and deposits and savings included in the item is calculated as the third tax payment amount, and the difference between the first to third tax payment amounts to the tax payment amount is reduced. Calculated as tax amount.

Next, the operation in the asset management support device 1 which is one embodiment of the present invention will be described.

FIG. 4 is a flowchart showing the processing contents of the asset management support device 1 according to the embodiment of the present invention. The process shown in FIG. 4 is executed when the current problem button B101 is pressed from the above-mentioned top screen.

As shown in FIG. 4, in step S101, the change amount calculation means 111 is 40 years from the present to the next 40 years (assumed financial information) based on the internally created data A and E (assumed financial information) stored in the internally created data storage unit 6. Calculate the amount of change in each item up to the specified deadline).

In step S103, the change amount calculation means 111 temporarily stores the calculated change amount of each item in the internally created data storage unit 6.

In step S105, it is determined whether or not there is a year in which the take-home income becomes negative.

If there is a year in which the take-home income is negative (step S105; YES), the change amount calculation means 111 sorts the depreciation cost reduction data in descending order (step S107), and sorts the depreciation cost reduction data. , Temporarily stored in the internally created data storage unit 6 (step S109).

In step S111, the cause item extraction means 112 accumulates the amount of change in each item during the period when the income (take-home income) is negative, and stores the accumulated amount of the accumulated change in each item in the internally created data storage unit 6. Temporarily store (step S113). Here, the cumulative amount is calculated in order to estimate which item is the most negative cause of the take-home income during the negative period. For example, even if one item is largely due to a negative take-home income in a single year, the other items may be more related to the negative take-home income when viewed over a total of eight years. Because.

FIG. 5 is a diagram showing an example of the amount of change of each item from the present to the next 40 years (predetermined deadline) generated based on the internally created data A and E (assumed financial information). Here, the present is 2 years of Reiwa, and the amount of change up to 11 years of Reiwa 9 years later is shown. FIG. 6 shows that the items shown in FIG. 5 are rearranged into items related to the reason for the decrease in income, items related to the reason for the increase in expenditure, and items related to the reason for the increase in tax. FIG. 7 shows the maximum amount of change and the year when the amount of change is maximum for each item.

The take-home income shown in Fig. 5 was negative in the 3rd year of Reiwa, and remained negative until the 10th year of Reiwa. It will be 3 years to 10 years of Reiwa.

As shown in Fig. 6, among the items, other than real estate income and real estate income, they are classified into reasons for income decrease (income category), and tax and public dues, other debt repayment amount, living expenses, and total tax are the reasons for increase in expenditure (expenditure). Taxes and taxes (land), taxes and taxes (buildings), repair costs, depreciation, interest expense, non-real estate deductions, and other non-real estate deductions are classified into tax increase reasons (tax category). .. The details of the total tax will be classified into the reasons for tax increase (tax category).

In step S115, the cause item extraction means 112 extracts the year of the item with the least decrease in the income category and the accumulated amount of change based on the accumulated amount of change of each item temporarily stored, and internally creates data. The storage unit 6 is temporarily stored.

As shown in FIG. 7, the amount of change is accumulated for each item. In the example shown in FIG. 7, the item in which the cumulative amount of change in the income category has decreased the most is "real estate income", which is -945,138 yen. And the year at that time will be "Reiwa 7 years". Here, the year of the item with the smallest decrease is the first year in which the cumulative amount of change has decreased the most.

Further, in step S117, the cause item extraction means 112 extracts the year of the most increased item in the expenditure category and the accumulated amount of change based on the accumulated amount of change of each item temporarily stored, and internally. Temporarily store the created data in the data storage unit 6.

In the example shown in FIG. 7, the item in which the cumulative amount of change in the expenditure category and the tax category has increased the most is the “borrowing repayment amount”, which is 274,458 yen. And the year at that time will be "Reiwa 5 years". Here, the year of the item with the largest increase is the first year in which the cumulative amount of change has increased the most.

In step S119, the control unit 10 executes the display data creation process.

8A to 8B are flowcharts showing the processing contents of the display data creation process.

In step S201, the control unit 10 reads the cumulative amount of change of each item stored in the internally created data storage unit 6.

In step S203, it is determined whether or not there is a year in which the take-home income becomes negative.

When there is a year in which the take-home income becomes negative (step S203; YES), the change amount calculation means 111 extracts the year in which the take-home income becomes negative as a negative start year (step S205).

In step S207, the change amount calculation means 111 extracts the last year as the negative end year after the period in which the take-home income is negative continues.

In step S209, the change amount calculation means 111 calculates the cumulative amount of the change amount of the income from the minus start year to the minus end year.

In step S211th, the change amount calculation means 111 calculates the cumulative amount of the change amount of the expenditure and the cumulative amount of the change amount of the tax from the minus start year to the minus end year.

In step 213, the cause item extraction means 112 determines the reason (step S213). Specifically, the causal item extraction means 112 determines as one of "decrease in income" and "increase in expenditure", or as the reason for both "decrease in income" and "increase in expenditure". For example, if the income is 90% or more of the decrease in the take-home income, the reason is "decrease in income". If the income is 10% or less of the decrease in take-home income, the reason is "increase in expenditure". If the income is 10% or more and less than 90% of the decrease in take-home income, the reasons are "increase in expenditure" and "decrease in income".

In step S217, when the reason is not "income decrease" (NO), the cause item extraction means 112 determines whether or not the largest item is "tax total" as the reason for the increase in expenditure (step S221).

When the largest item is "total tax" (step S221; YES), the cause item extraction means 112 extracts the minimum item and the cumulative amount as the reason for the tax increase in order to display the reason for the tax increase in detail. (Step S223). For example, in the example shown in FIG. 7, the smallest item as the reason for the increase in tax is "depreciation expense", and the cumulative amount is -523,551 yen. And the year at that time will be "Reiwa 8 years".

In step S225, when the reason is not "expenditure increase" (NO), the cause item extraction means 112 determines whether or not the amount of real estate income is smaller than the amount other than real estate income (step S227).

When the amount of real estate income is larger than the amount other than real estate income (step S227; NO), the display control means 140 outputs the income message 3 and the income message 5 based on the message table stored in the internally created data storage unit 6. Displayed on the monitor 2 (step S237).

FIG. 9 is a diagram showing an example of a message table stored in the internally created data storage unit 6. Note that FIG. 9 shows the income message among the messages. The messages include income messages, expenditure messages, and tax messages.

As shown in FIG. 9, the message number and the message content are associated and stored.

For example, when the display control means 140 displays the income message 3 and the income message 5, the message "Real estate income is decreasing" and the decrease rate of "Overall" year of real estate income "". Is large. ”Is displayed in combination with the message. Here, the year with the largest amount of change is applied to the “year of real estate income”.

When it is determined in step S227 that the amount of real estate income is smaller than the amount other than real estate income (YES), the cause item extraction means 112 determines whether or not the name is a new investment based on the internally created data AD. (Step S229). This name is the name of the property, and if a new name other than the name of the property described in the internal data Z is input as the biggest factor, the name is determined to be a new investment.

When it is determined in step S229 that the name is a new investment (YES), the display control means 140 receives the income message 1 based on the message table stored in the internally created data storage unit 6 and the internally created data AD. Is displayed on the monitor 2 (step S231).

As shown in Fig. 9, the income message 1 is "Real estate income is decreasing. Looking at the details, the" name "has decreased by" maximum "yen in the" year ". Rent input screen for new investment Please check. "

Therefore, the display control means 140 applies the corresponding "year", "name", and "maximum value" data based on the internally created data AD, and displays the data on the monitor 2.

When it is determined in step S229 that the name is not a new investment (NO), the display control means 140 receives the income message 2 based on the message table stored in the internally created data storage unit 6 and the internally created data AD. Is displayed on the monitor 2 (step S233).

In step S235, the display control means 140 causes the monitor 2 to display the income message 4 based on the message table stored in the internally created data storage unit 6 (step S235).

The control unit 10 executes the expenditure increase factor creation process in step S237. Specifically, the display control means 140 determines the expenditure message according to the item of the expenditure category in which the cumulative amount of change is large, and displays the determined expenditure message on the monitor 2.

The control unit 10 executes the tax increase factor creation process in step S239. Specifically, the display control means 140 determines a tax message according to the item having a large cumulative amount of change among the items of the tax category, and displays the determined tax message on the monitor 2.

FIG. 10 is a diagram showing an example of the displayed problem display screen.

As shown in FIG. 10, a plurality of problems are extracted from the problem (1), and the display of the problems can be switched by pressing the problem tab D101.

In D103, the period in which the take-home income is negative is displayed, and in the example shown in FIG. 10, the period from Reiwa 16 years to Reiwa 21 years is displayed as the period in which the take-home income is negative.

Then, the cumulative amount of the total items of income in that period is displayed as a decrease, and the cumulative amount of the total items of expenditure is displayed as an increase. In this case, the reason is set as "decrease in income and increase in expenditure".

Here, the income message 2 and the income message 4 are displayed on the D109 as the [income decrease] factor. Income message 2 is "Real estate income is decreasing. If you look at the details, the" name "has decreased by" maximum "yen in" year ". Please check the income change input screen." .. Therefore, the display control means 140 applies the data of the corresponding "year", "name", and "maximum value" based on the internally created data AD, and "real estate income is decreasing. If you look at the details, , Reiwa 21st year, Felbourg Matsuyama decreased by -917,088 yen. Please check the income change input screen. "Is displayed on monitor 2.

In addition, the income message 4 is "Overall, the rate of decrease in the" year of real estate income "is large." Therefore, the display control means 140 applies the data of the corresponding "real estate income year" based on the internally created data AD, and "overall, the rate of decrease in Reiwa 21 is large." Is displayed on the monitor 2.

In D111, "total tax" is set as a factor of [expenditure increase].

Therefore, a tax message is displayed on D113 as a factor of [total increase in tax]. Similar to the income message, the display control means 140 determines the tax message according to the item of the tax category in which the cumulative amount of change is large, and displays the determined tax message on the monitor 2.

Further, D115 displays a graphed real estate expense transition table, and D117 displays a graphed tax payment amount transition table. Items displayed on D115 are land, buildings, repair costs, depreciation costs, interest expense, non-life insurance premiums, etc., and items displayed on D117 are income tax, inhabitant tax, personal business tax, total tax, etc. It is a take-home income.

An advice button D121, a close button D123, and a profit / loss / cash flow button D125 are arranged on the problem display screen.

When the close button D123 is pressed, the problem display screen is closed.

When the profit / loss / cash flow button D125 is pressed, the profit / loss / cash flow data is displayed based on the internally created data A in the case of the heir, and based on the internally created data E in the case of the heir. Profit and loss / cash flow data is displayed. Specifically, real estate income, depreciation expenses, non-real estate income, living expenses, etc. are displayed, respectively. Furthermore, for the part that cannot be expressed in the profit / loss / cash flow data, by pressing each button such as real estate income, depreciation expense, other than real estate income, living expenses, etc. placed on the screen, income decrease factor, expenditure increase factor , The same process as finding the factor for increasing the total tax can be executed, and the factor for increasing or decreasing within the item can be displayed in more detail. For example, if the living expenses increased by 1,401,000 yen from Reiwa 8 to Reiwa 9, there are many types of living expenses, and the breakdown is unknown. If you want to get a little more detail, you can display the detailed display (living cost) screen that includes the breakdown of each detailed item such as basic living cost, vehicle cost, education cost, etc. as the item of living cost, and any of the detailed items will be the living cost. It becomes clear whether it is due to the increase.

When the advice button D121 is pressed, the advice generation unit 120 generates various advices. Here, the advice includes advice on new investment, prepayment, building relocation, and large-scale repairs. As will be described later, the tax-saving advice generation means 125 generates advice on tax-saving when the tax-saving advice button D602 is pressed.

FIG. 11 is a flowchart showing a process of generating advice regarding new investment by the new investment advice generation means 121.

As shown in FIG. 11, in step S301, the new investment advice generation means 121 determines whether or not the set name is the decedent.

In step S301, when the set name is an heir (NO), the new investment advice generation means 121 reads the internally created data O and calculates the inheritance tax and the taxable income of the heir (step S303). ..

In step S301, when the set name is the decedent (YES), the new investment advice generation means 121 reads the internally created data D and calculates the income to which the inheritance tax is levied by the statutory inheritance apportionment (YES). Step S305).

In step S307, the new investment advice generating means 121 determines whether or not there is a year in which the depreciation cost becomes zero based on the read internally created data A and internally created data E (step S307).

If there is a year in which the depreciation cost becomes zero (step S307; YES), the new investment advice generating means 121 determines whether the year in which the depreciation cost becomes zero is earlier than the year in which the borrowing is paid off (step). S309).

If the year when the depreciation cost becomes zero is earlier than the year when the borrowing is paid off (step S309; YES), it may be difficult to repay the remaining borrowing, so the merit of making a new investment is great. ..

Therefore, in step S311, the new investment advice generation means 121 extracts the expiration year of the useful life of the wooden structure.

In step S313, the new investment advice generation means 121 extracts the expiration year of the useful life of the S structure.

In step S314, the new investment advice generating means 121 extracts the number of years until the depreciation cost becomes zero when the borrowing remains even though the depreciation cost becomes zero.

In step S315, the new investment advice generation means 121 sets the first year in the case of “profit-oriented”. This "profit-oriented" is one of the four user-oriented, "profit-oriented", "income-oriented", "inheritance-oriented", and "income-inheritance-oriented". It will be calculated based on each user orientation.

In step S317, the new investment advice generating means 121 sets the investment timing in the case of "income-oriented" five years before the year when the taxable income becomes positive. When making a new investment, for example, for about 15 years, which is the useful life of a wooden structure, even if the take-home income is positive, depreciation is large, so the figure for the tax return of the new investment alone is It will be negative and you will use this. In the case of "income-oriented", which emphasizes the effect of income tax reduction, the year before the taxable income becomes positive is displayed five years ago. The reason is that by filing a blue declaration, the deficit can be carried over for 5 years, so 5 years ago is selected.

In step S319, the new investment advice generating means 121 sets the investment timing in the case of "inheritance-oriented" three years before the year when the inheritance tax becomes positive. The tax-saving effect of inheritance tax utilizes the difference between the amount invested and the property tax valuation amount, which is the inheritance tax valuation amount. In the case of "inheritance-oriented", which emphasizes the effect of inheritance tax reduction, the display is three years before the year when the inheritance tax starts to be applied. The reason is that the inheritance tax will not be recognized until three years have passed since the building was completed.

In step S321, the new investment advice generating means 121 has investment timing in the case of "emphasis on income inheritance", which is 5 years or more before the year when the income becomes positive and 3 years or more in the year when the inheritance tax becomes positive. Set the year that meets the previous conditions.

As a result, the new investment advice generation means 121 can generate an investment timing for making a new investment based on the income included in the item, the inheritance tax, and the user orientation.

Then, the display control means 140 displays the generated investment timing for making a new investment on the new investment advice screen.

FIG. 12 is a diagram showing an example of a new investment advice screen displayed by the display control means 140.

As shown in FIG. 12, D201 displays advice set by switching tabs for new investment, prepayment, building relocation, and large-scale repair.

In the example shown in FIG. 12, the content of [Solution by new investment] is displayed on D203. Specifically, the display control means 140 tells D203 based on the useful life of the wooden structure, the number of years until the depreciation cost becomes zero, and the depreciation target year of the S structure. ] Is displayed.

D205 displays the investment timing set according to "profit-oriented", "income-oriented", "inheritance-oriented", and "income-inheritance-oriented" set as user-oriented as [investment timing].

In addition, in D207 [Solution with new investment], the message "If it is a measure after" Reiwa 21 years ", it is effective to set all or part of the repayment period to" repayment period "." Is displayed. If the depreciation cost is zero but the borrowing remains, the income tax becomes a heavy tax and the balance of income and expenditure becomes unbalanced. Therefore, if the repayment of the new property is completed by that point, all the income will remain at hand. Therefore, since it will be compensated at that time, the year when the depreciation cost becomes zero is calculated, the number of years after that is calculated, and the number of years here is calculated and displayed as the "repayment period".

FIG. 13 is a flowchart showing a process of generating advice regarding prepayment by the prepayment advice generation means 122.

As shown in FIG. 13, in step S401, the prepayment advice generating means 122 determines whether or not the year in which the depreciation cost becomes zero is earlier than the year in which the borrowing is paid off.

If the prepayment advice generating means 122 has a year in which the depreciation cost becomes zero is later than the year in which the loan is paid off (step S401; NO), the prepayment advice generating means 122 is a depreciation year in which the useful life has elapsed. The target year is set to the prepayment start year (step S403).

In step S405, the prepayment advice generating means 122 sets the borrowing balance repayment year, which is the year in which the borrowing is paid off, to the prepayment end year (step S405).

In step S407, the prepayment advice generation means 122 determines whether or not the set name is the decedent (step S407).

When the set name is the decedent (step S407; YES), the prepayment advice generation means 122 extracts the loan balance (borrowing balance) when the depreciation arrival becomes zero from the internally created data F. (Step S409).

In step S411, the prepayment advice generation means 122 extracts the name of the property having the loan balance at the present time from the internally created data T.

In step S417, the prepayment advice generation means 122 extracts the year in which the property name owned by the decedent and the year-end balance become zero based on the internally created data T (step S417).

On the other hand, in step S407, when the set name is an heir (NO), the prepayment advice generation means 122 determines whether or not the inheritance ratio is larger than zero (step S419).

When it is determined in step S419 that the inheritance ratio is larger than zero (YES), the prepayment advice generation means 122 determines that the depreciation cost becomes zero based on the internally created data S and the internally created data V. The total of the loan balance / the ratio of each heir is calculated (step S421). This makes it possible to calculate the total loan balance for all heirs.

In step S423, the prepayment advice generation means 122 extracts the name of the property having the loan balance based on the internally created data K.

In step S425, the prepayment advice generation means 122 extracts all the property names owned by the heirs and the year when the year-end balance becomes zero based on the internally created data T.

In this way, when the prepayment advice generation means 122 sets the depreciation target year to the prepayment start year when the year to pay off the borrowing is later than the year when the depreciation cost becomes zero, the borrowing balance repayment year is set. Is set as the end year of prepayment, so it is possible to advise the appropriate timing of prepayment.

FIG. 14 is a diagram showing an example of an prepayment advice screen for the decedent displayed by the display control means 140.

As shown in FIG. 14, D201 displays advice set by switching tabs for new investment, prepayment, building relocation, and large-scale repair.

In the example shown in FIG. 14, the display control means 140 displays D303, D305, D115, and D117 on the prepayment advice screen.

The contents of [Resolution by prepayment] are displayed on D303 and D305. D303 has D303a, D303b, D303c, and D303d.

In D303a, the prepayment start year in which a large effect can be obtained by making an prepayment is displayed, and in D303b, the prepayment end year in which a large effect can be obtained by making a prepayment is displayed. The advance amount required at that time is displayed on D303c.

In D303d, only the property names that are effective during the period from D303a to D303b by making the prepayment are displayed. The reason is that even if there is a balance at the present time, no matter how much prepayment is made, the effect will not be obtained in the target period for the property whose repayment is completed earlier than D303a in the repayment schedule.

D305 displays the name of the property owned by the decedent and the year when the year-end balance becomes zero.

FIG. 15 is a flowchart showing a process of generating advice regarding building relocation by the building relocation advice generation means 123.

As shown in FIG. 15, in step S501, the building relocation advice generation means 123 determines the year when the loan balance becomes zero and the fixed time at that time for each property based on the internally created data T and the internally created data U. Calculate the asset valuation amount. The reason is that if a gift is given with a loan balance, it will be treated as a gift with a tax burden, and the cost increase at the time of transfer will not be sufficient, so calculate this timing. There is.

In step S503, the building relocation advice generation means 123 prorates the fixed asset valuation amount for all fixed assets by each heir based on the internally created data W and the internally created data V (step S503).

In step S505, the building relocation advice generation means 123 stores each apportioned fixed asset valuation amount as a gift scheduled amount.

FIG. 16 is a diagram showing an example of a building relocation advice screen displayed by the display control means 140.

As shown in FIG. 16, D201 displays advice set by switching tabs for new investment, prepayment, building relocation, and large-scale repair.

In the example shown in FIG. 16, the display control means 140 displays D403 and D405 on the building relocation advice screen.

The contents of [Timing of relocation of a building with a loan balance] are displayed on D403. On D403, the property name (building name), the year when the loan balance becomes zero, and the fixed asset valuation amount for that year are displayed.

In D405, the fixed asset valuation amount apportioned for each heir is displayed.

FIG. 17 is a flowchart showing a process of generating advice regarding large-scale repair by the large-scale repair advice generation means 124.

As shown in FIG. 17, the depreciation cost reduction data generated in step S107 of the flowchart shown in FIG. 4 and temporarily stored in the internally created data storage unit 6 is displayed as the timing of large-scale repair, and the reduction width is displayed. Shows the top two years with the largest.

Regarding the conditions for large-scale repair, when the repair amount, building type, number of units, borrowing amount, borrowing period, and interest rate are entered (step S601; YES), is the building type of the large-scale repair advice generation means 124 "wooden"? It is determined whether or not (step S603).

When it is determined that the building type is "wooden" (step S603; YES), the large-scale repair advice generation means 124 adopts the depreciation rate of the wooden structure. When it is determined that the building type is not "wooden" (step S603; NO), the large-scale repair advice generation means 124 determines whether or not the building type is "heavy steel frame" (step S607).

When it is determined that the building type is "heavy steel frame" (step S607; YES), the large-scale repair advice generation means 124 adopts the depreciation rate of the heavy steel frame (step S609).

When it is determined that the building type is not "heavy steel frame" (step S607; NO), the large-scale repair advice generation means 124 adopts the depreciation rate of RC (reinforced concrete construction) (step S611).

In step S613, the large-scale repair advice generation means 124 calculates the depreciation cost that can be added by the large-scale repair from the repair amount and the depreciation rate.

In step S615, the large-scale repair advice generating means 124 calculates the monthly payment amount based on the borrowing amount, the borrowing period, and the interest rate, and divides the amount by the number of units to calculate a guideline for the rent increase amount.

As described above, the large-scale repair advice generation means 124 is a wasteful investment because the investment is only used in the situation where the income tax is not applied as the timing of the large-scale repair. Therefore, in the part of the depreciation expense reduction amount and the fiscal year, the user is urged to make an appropriate investment timing by displaying the result of sorting after the fiscal year when the income tax is applied and in descending order of the reduction amount. In addition, since the rent increase amount is calculated based on the entered repair amount, building type, number of units, borrowing amount, borrowing period, and interest rate, how much should the rent increase when performing a large-scale repair? Or, it is possible to understand how much repair amount should be invested to compensate for the decrease in depreciation cost.

FIG. 18 is a diagram showing an example of a large-scale repair advice screen displayed by the display control means 140.

As shown in FIG. 18, D201 displays advice set by switching tabs for new investment, prepayment, building relocation, and large-scale repair.

In the example shown in FIG. 18, the display control means 140 displays D501 on the large-scale repair advice screen.

The content of [Timing of large-scale repair] is displayed on D501. The amount of increase in rent is displayed on D501.

Next, in the asset management support device 1 which is one embodiment of the present invention, the process of extracting problems at the time of inheritance tax payment will be described.

FIG. 19 is a flowchart showing the processing contents of problem extraction at the time of inheritance tax payment of the asset management support device 1 according to the embodiment of the present invention. The process shown in FIG. 19 is executed when the current problem button (legal inheritance apportionment) B102 is pressed from the top screen shown in FIG.

As shown in FIG. 19, when the name is input in step S701, the tax payment amount calculation means 113 reads the internally created data A and the internally created data E from the internally created data storage unit 6, and data for 40 years. Expand. The name is input by pressing a button from the top screen shown in FIG. If the current problem button (legal inheritance apportionment) B102 is pressed, the decedent is set, and the spouse or child 1-5 button B104 of the post-division problem (arbitrary inheritance apportionment) is pressed. If so, the heir corresponding to the pressed button is set.

In step S703, the tax payment amount calculation means 113 reads cash, deposits, securities, other assets, and tax payment resources for each year from the internally created data X from the internally created data storage unit 6.

In step S705, the tax payment amount calculation means 113 determines whether or not the input name is the heir (step S707).

When the entered name is the decedent (step S707; YES), the tax payment amount calculation means 113 reads the tax payment amount calculated by the statutory inheritance apportionment from the internally created data D.

On the other hand, when the entered name is not the heir (step S707; NO), the tax payment amount calculation means 113 reads the tax payment amount of each year of the heir from the internally created data O.

In step S713, the tax payment amount calculation means 113 calculates the difference in each year by subtracting the tax payment amount from the tax payment source for each year. If the difference between these years is positive, you can pay taxes, but if you have negative years, you may not be able to pay.

FIG. 20 is an example of a problem extraction result display screen at the time of inheritance tax payment in the asset management support device 1 which is an embodiment of the present invention.

As shown in FIG. 20, the problem extraction result display screen at the time of inheritance tax payment has D601, D602, and D603.

Cash and deposits, securities, other assets, tax payment resources, inheritance tax payment amount, and difference are displayed on D601 each year.

In D603, the difference is fluffed as an inheritance tax payability determination graph.

D602 is a tax-saving advice button, and when this button is pressed, the tax-saving advice generation means 125 generates advice.

FIG. 21 is a flowchart showing the processing content of the tax-saving advice generation process by the tax-saving advice generation means 125 of the asset management support device 1 according to the embodiment of the present invention.

As shown in FIG. 21, when a new heir is added to the heir name from the input device 3 (step S801), the tax saving advice generation means 125 uses the internally created data W, the internally created data D, and the internally created data. Based on O, the tax saving amount is calculated by performing the inheritance calculation including the newly added heir, that is, the calculation of the inheritance tax payment amount (first tax payment amount) by increasing the basic deduction (step S803). ).

In step S805, the tax-saving advice generation means 125 pays the inheritance tax (second tax payment amount) when the deposit and savings are put into life insurance based on the internally created data R, the internally created data D, and the internally created data O. The tax saving amount is calculated by performing the calculation of.

In step S807, the tax saving advice generation means 125 is based on the internally created data Y, the internally created data Z, the internally created data D, and the internally created data A, and the tax payment amount when the premium for small-scale mutual aid is maximized (the first). By calculating (3) tax payment amount, the inheritance tax saving amount and the income tax saving amount are calculated.

In step S809, the tax-saving advice generation means 125 stores the calculation results calculated in steps S803 to S807 in the internally created data storage unit 6.

In this way, for basic deductions to add new heirs, death insurance to put deposits and savings into life insurance, and death retirement allowances that maximize small-scale mutual aid premiums, inheritance tax before advice and inheritance tax after advice, respectively. By comparing, the amount of tax savings can be calculated.

FIG. 22 is an example of a tax-saving advice screen when a basic deduction is applied in the asset management support device 1 which is an embodiment of the present invention.

As shown in FIG. 22, the tax-saving advice screen has D701. D701 is designed to display tax-saving advice set by switching tabs for basic deduction, death insurance, severance pay, and new investment. In the example shown in FIG. 22, tax-saving advice regarding basic deductions is displayed.

As shown in FIG. 22, the tax-saving advice screen when the basic deduction is applied has D702 and D703.

D702 has "inheritance tax payment amount" which is the tax payment amount when the basic deduction for each year is not applied, "after adoption" which is the tax payment amount when the basic deduction is applied, and tax saving amount. It is displayed.

On D703, a basic deduction comparison graph is displayed, which is a graph of "inheritance tax payment amount" and "after adoption".

This makes it possible to see at a glance how much tax can be saved each year by adding heirs and increasing the basic deduction.

FIG. 23 is an example of a tax-saving advice screen when death insurance is applied in the asset management support device 1 which is an embodiment of the present invention.

As shown in FIG. 23, the tax saving advice screen has D701. D701 is designed to display tax-saving advice set by switching tabs for basic deduction, death insurance, severance pay, and new investment. In the example shown in FIG. 23, tax-saving advice regarding death insurance is displayed.

As shown in FIG. 23, the tax-saving advice screen when the death insurance is applied has D802 and D803.

D802 has the "inheritance tax payment amount" which is the tax payment amount when the death insurance is not applied for each year, the "post-measurement tax payment amount" which is the tax payment amount when the death insurance is applied, and the tax saving amount. It is displayed.

D803 displays a death insurance comparison graph that graphs the “inheritance tax payment amount” and the “post-measures tax payment amount”.

This makes it possible to check at a glance how much tax can be saved each year by taking out death insurance (life insurance) using deposits and savings.

FIG. 24 is an example of a tax-saving advice screen when a death and retirement allowance is applied in the asset management support device 1 which is an embodiment of the present invention.

As shown in FIG. 24, the tax saving advice screen has D701. D701 is designed to display tax-saving advice set by switching tabs for basic deduction, death insurance, severance pay, and new investment. In the example shown in FIG. 24, tax-saving advice regarding severance pay is displayed.

As shown in FIG. 23, the tax-saving advice screen when the death severance pay is applied has D902 and D903.

D902 includes the "inheritance tax saving amount" which is the inheritance tax saving amount when the death retirement allowance is applied for each year, and the "income tax saving amount" which is the tax saving amount when the death retirement allowance is applied. The total of these tax savings is displayed.

In D903, a graph of "inheritance tax saving amount", "income tax saving amount" and "tax saving amount" is displayed.

This makes it possible to check at a glance how much tax can be saved each year by maximizing the premium for small-scale mutual aid.

In addition, the majority of users who invest in real estate are elderly people in their 70s and 80s. Consideration from the decedent to the heirs accounts for most of the reasons why the elderly decide to invest for a long period of 30 to 35 years. Specifically, it is the tax-saving effect of inheritance tax and the improvement of profits after inheritance. However, from the perspective of the inheritor, as a result of real estate investment, we would like to make an investment decision, considering that it is profitable to improve profits after inheritance and increase the balance after tax payment due to inheritance tax savings. Was difficult. As means for solving the problem, there are the above-mentioned problem extraction unit 110, advice generation unit 120, and effect verification means 130.

In addition, each heir has a different inheritance, so each effect is different. For example, increasing the basic deduction may have an effect of several million yen for one heir, but only a few hundred thousand yen for another heir. In this way, we have made possible what was coveted so that we could confirm the profit improvement and tax saving effect of each heir.

As described above, according to the asset management support device 1 according to the embodiment of the present invention, 40 years from now (predetermined deadline) based on the input current financial information and future expected income and expenditure. Data generation means 101 that generates financial information up to as internally created data A to Z, AA to AH, internally created data storage unit 6 that stores internally created data A to Z, and AA to AH, and stored internal creation. A display control means 140 for outputting a message regarding asset management based on data A, E, and H (assumed financial information) is provided.

As a result, it is possible to output an appropriate message for asset management generated based on appropriate data.

Further, according to the asset management support device 1 according to the embodiment of the present invention, the internally created data storage unit 6 for storing the internally created data A to Z and AA to AH, and the stored internally created data A, E, Based on H (assumed financial information), for example, the change amount calculation means 111 for calculating the change amount of each item including the income (take-home income) in each year from the present to the next 40 years (predetermined deadline). With the cause item extraction means 112 that extracts one or more items caused by the minus of income (take-home income) in the period when the income (take-home income) is negative among the items calculated by the change amount calculation means 111 for each year. To prepare for.

As a result, one or more items caused by the negative income (take-home income) are extracted, so that it is possible to solve the problem in profit and support the user to appropriately manage the assets.

Further, the above-described embodiment can also be realized by executing an asset management support program installed in a computer. By installing the asset management support program, the asset management support device will be realized.

In addition, when making a new investment, it is possible to search for the optimum property.

FIG. 25 is a flowchart showing the processing content of the optimum property search of the asset management support device 1 according to the embodiment of the present invention.

As shown in FIG. 25, “when inheritance occurs ** years later” is input from the input box D1001 on the judgment condition input screen shown in FIG. 26 (step S901; YES), and the search start button D1007 is pressed. Then (step S903; YES), the display control means 140 reads the registered new investment condition data from the internally created data storage unit 6 (step S905) and sets it in the CANG program to enter the FUTURE program. , Passed via the internally created data B and N (step S907).

When the data is received, the FUTURE program is executed to move to the process of creating the internally created data J (effect comparison) and the internally created data L (total profit after division).

When the FUTURE program is executed, the effect comparison process is first executed (step S931).

FIG. 27 shows an example of internally created data J (effect comparison) generated by the effect comparison process.

As shown in FIG. 27, in the created internally created data J (effect comparison), the income comparison D1101 and the inheritance comparison D1102 are classified, and the total income effect and the inheritance effect are added to each table as the total effect D1103. Will be done.

In the income comparison D1101, before / year of the measures, the take-home income of the internally created data A (profit / loss / cash flow I-IV) is taken, and after the measures / year, the take-home of the internally created data H (profit / loss / cash flow I-IV after the measures) is taken. Each income is set. By accumulating the effects, the profit effect up to that year when inheritance occurs is represented by the total income effect.

In the inheritance comparison D1102, the pre-measure tax payment amount is set to the total inheritance tax of the internally created data D (inheritance calculation), and the post-measure tax payment amount is set to the total inheritance tax of the internally created data I (post-measure inheritance calculation). .. By finding the difference, the tax-saving effect when inheritance occurs in that year is expressed as the inheritance effect.

In the internally created data J, the merit of the decedent's profit up to that year is expressed in the total income effect D1111, and the inheritance tax saving amount when the inheritance occurs in that year is expressed in the inheritance effect D1112. To.

Next, the FUTURE program is executed to create the combined revenue after the split (step S933).

FIG. 28 shows an example of the internally created data L created by the processing of the total profit after division.

As shown in FIG. 28, in the internally created data L, take-home income data for 40 years for each heir is generated. Here, an example from Reiwa 2nd year to Reiwa 11th year is shown. In the relevant year of each heir (here, Reiwa 2 years), the effect of the take-home income from Reiwa 3 years to Reiwa 41 years of the following year is shown. The sum of the effects of each heir is totaled by the total effect D1201 at the bottom.

For example, if you are a spouse with 2 years of Reiwa, before taking measures, the cumulative total from 3 years of Reiwa to 41 years of Reiwa will be calculated based on the take-home income of the internally created data E (split cash flow (spouse)). After the measures, the cumulative total from Reiwa 3 years to Reiwa 41 years is shown based on the take-home income of the internally created data K (split cash flow after measures (spouse)). As a result, after the inheritance of the heir (spouse) occurs, the profit benefit will be calculated from the following year.

In addition, as a prerequisite for the data shown here, the planned construction site for the new investment property is currently agricultural land, and the spouse and child 1 will inherit 50% of the land, and all new buildings will be inherited by child 1. It has been selected. As an example of how to read this data, take the example of Reiwa 9 years, which is 8 years after child 1 (D1202). Before the measures, the total take-home income from Reiwa 10 years to Reiwa 41 years is 105,905,364 yen. However, by making this new investment, it will be 125,696,875 yen, and the effect will be 19,791,511 yen.

Since children 2 and children 3 do not inherit this new investment property, the income effect is zero, and the spouse is set to inherit only the land where the new investment is made, so by changing from farmland to residential land Due to the increase in property tax, the take-home income effect is -1,082,104 yen. Therefore, when investing new investment search data (second data), if inheritance occurs eight years later, the effect of the heir as a whole will be 18,709,406 yen.

The display control means 140 passes the contents of the internally created data J and L to the optimum property search processing answer area of the internally created data N (repayment plan table) (step S935). Specifically, the total income effect of the internally created data J is the income effect of the internally created data N, the inheritance effect of the internally created data J is the inheritance effect of the internally created data N, and the total effect of the internally created data J is the internally created data N. The total effect and the total effect of the internally created data L are set to the total profit effect after division of the internally created data N.

The display control means 140 extracts the inheritance year data (step S909). Specifically, from the response data for 40 years of the internally created data N, only the data of the corresponding year input by the inheritance year input is set in the database. In this example, since the inheritance occurs 8 years later, the 8th income effect, inheritance effect, total effect, and total profit effect after division of the internally created data N are set in the 2nd data of the database. ..

As the processing in the database, the sum of the total effect and the total profit effect after division is set in the total. The sum of the income effect and the profit effect after split is set as the pre-inheritance profit and the profit after split. The sum of the inheritance effect and the total profit effect after split is set in the profit after split.

When the final data is processed (step S911; YES), the display control means 140 selects three items of the profit effect up to inheritance, the tax saving effect of inheritance tax, and the profit effect after division in the condition selection of the judgment condition input. Then (step S913), the database is referred to, and the data with the maximum effect is displayed under the following determination conditions (step S915).

As a condition, as shown in FIG. 26, the profit effect until inheritance, the tax saving effect of inheritance tax, and the profit effect after split can be selected. The profit effect check box D1003a until inheritance and the tax saving effect check box D1003b of inheritance tax, respectively. , The profit effect check box D1003c after the split is provided.

The display control means 140 displays the data having the maximum effect based on the check of this check box. Specifically, when the profit effect check box D1003a is checked, the profit effect is displayed. When the tax saving effect check box D1003b is checked, the inheritance effect is displayed. If the profit effect check box D1003c after the split is checked, the total profit effect after the split is displayed. When the profit effect check box D1003a and the tax saving effect check box D1003b are checked, the total effect is displayed. When the profit effect check box D1003a and the profit effect check box D1003c after the split are checked, the profit after the pre-inheritance profit split is displayed. When the tax saving effect check box D1003b and the profit effect check box D1003c after the split are checked, the profit after the inheritance effect split is displayed. If the profit effect check box D1003a, the tax saving effect check box D1003b, and the profit effect check box D1003c after the split are checked, the total is displayed.

Then, when the read button D1009 is pressed while the corresponding data is displayed (step S917; YES), the data can be read again into the CHANGE program, and the details can be confirmed and corrected (step S919). ..

Although the explanation was given as an internal database, as shown in the optimum property search in FIG. 25, the real estate agent database and the builder database have information on the used property that the real estate agent has information on and the builder has information from the real estate agent database and the builder database as external databases. It can also handle new properties from land purchase. As a result, if the user inputs his / her own unique information, it is possible to search for the optimum project from among a number of investment projects according to the input user preference.

Further, as explained in step S933, the total effect at the bottom is referred to in the internally created data L, which means that the profit after inheritance is the largest when the whole family is considered. It means to seek something that becomes. For example, if you want to search for the best property for child 1 to be most effective without taking this into consideration for other heirs, you can change the pre-measure tax payment amount of the internally created data J to the internally created data X (the amount that can be paid after division). ), The tax payment amount after measures is read as the tax payment amount of child 1 in the internally created data AH (divided tax payment amount after measures), and it is not the total effect at the bottom of the internally created data L. , It becomes possible by referring to the effect of the child 1 column.

Further, the asset management support program may be written in a computer language, or may be executed on, for example, spreadsheet software.

1 Asset management support device 2 Monitor 3 Input device 5 Input / output interface unit 6 Internally created data storage unit 10 Control unit 101 Data generation means 110 Problem extraction unit 111 Change amount calculation means 112 Cause item extraction means 113 Tax payment amount calculation means 114 Funds Balance calculation means 120 Advice generation unit 121 New investment advice generation means 122 Advance repayment advice generation means 123 Building relocation advice generation means 124 Large-scale repair advice generation means 125 Tax-saving advice generation means 130 Effect verification means 140 Display control means

Claims (15)

Assumed financial information calculation means that calculates financial information up to a predetermined deadline as assumed financial information based on the entered current financial information and expected future income and expenses.
A storage means for storing the assumed financial information calculated by the assumed financial information calculation means, and a storage means for storing the assumed financial information.
An output means for outputting a message regarding asset management based on the assumed financial information stored in the storage means, and an output means.
An asset management support device characterized by being equipped with. A change amount calculation means for calculating the change amount for the items included in the stored assumed financial information in each year until the predetermined deadline.
Further provided with a causal item extraction means for extracting one or more items due to the negative income during the period when the income is negative among the annual items calculated by the change amount calculating means.
The asset management support device according to claim 1, wherein the output means outputs a message regarding the current problem based on the items extracted by the cause item extraction means. The above items are classified into income category, expenditure category, and tax category.
The cause item extraction means is
Claim 2 is characterized in that the item with the least decrease is extracted from the items classified into the income category, and the item with the largest increase is extracted from the items classified into the expenditure category and the tax category. The listed asset management support device. The asset management support device according to claim 1, further comprising an advice generation unit that generates advice for improving income based on items included in the assumed financial information stored in the storage means. The asset management support device according to claim 2 or 3, further comprising an advice generation unit that generates advice for improving the items extracted by the cause item extraction means in order to reduce the negative income. .. The above items include depreciation and borrowing,
The advice generation unit
A new investment advice generating means that generates the investment timing and repayment period of a new investment based on the useful life of each building type when the year when the depreciation cost becomes zero is earlier than the year when the borrowing is paid off.
Equipped with
The asset management support device according to claim 4 or 5, wherein the output means outputs the investment timing and the repayment period generated by the new investment advice generation means as advice. The new investment advice generation means further
Generate investment timing and repayment period for new investment based on income, inheritance tax and user orientation included in the above items.
The asset management support device according to claim 6, wherein the output means outputs the investment timing and the repayment period generated by the new investment advice generation means as advice. The assumed financial information calculation means calculates financial information up to a predetermined deadline when a new investment is made as assumed financial information.
The output means is one or more of the determination conditions of the assumed financial information calculated by the assumed financial information calculation means, the profit effect up to inheritance, the tax saving effect of inheritance tax, and the profit effect after division. The asset management support device according to claim 1, wherein the effect of new investment is output based on the conditions. The above items include depreciation and borrowing,
The advice generation unit
Advance repayment advice that sets the year subject to depreciation as the prepayment start year and the borrowing balance repayment year as the prepayment end year when the year of repayment of the borrowing is later than the year when the depreciation cost becomes zero. Equipped with a means of generation,
The asset management support device according to claim 4 or 5, wherein the output means outputs the prepayment start year and the prepayment end year generated by the prepayment advice generation means as advice. The prepayment advice generation means is
For the decedent, the loan balance when the depreciation cost becomes zero and the name of the property purchased with this loan are extracted, and the year when the loan balance at the end of the year becomes zero is extracted.
For heirs, the total of the loan balance when the depreciation cost becomes zero divided by the inheritance ratio and the name of the property purchased with this loan are extracted, and the year when the loan balance at the end of the year becomes zero is extracted. ,
The asset management support device according to claim 9, wherein the output means outputs the borrowing balance, the property name, the year, and the total extracted by the prepayment advice generation means as advice. The above items include loans for each property.
The advice generation unit
Equipped with a building relocation advice generation means that calculates the fixed asset valuation amount for each property when the balance of the borrowed money becomes zero, and calculates the planned gift amount by prorating the calculated fixed asset valuation amount among the heirs. ,
The asset management support device according to claim 4 or 5, wherein the output means outputs the planned gift amount generated by the building relocation advice generation means as advice. The above items include depreciation and borrowing for each property.
The advice generation unit
Large-scale repair advice generation method that calculates the amount of rent increase based on the entered repair amount, building type, number of units, borrowing amount, borrowing period, interest rate,
Equipped with
The asset management support device according to claim 4 or 5, wherein the output means outputs the amount of increase in rent generated by the large-scale repair advice generation means as advice. The assumed financial information stored in the storage means includes items that can be used as a source of tax payment.
Based on the assumed financial information, the tax payment amount calculation means for calculating the inheritance tax payment amount for each year by the statutory inheritance apportionment and the inheritance apportionment arbitrarily set for each heir.
A means for calculating the balance of funds, which is calculated by subtracting the calculated amount of tax payment from the total amount of items that are the source of tax payment for each year as the balance of funds.
Equipped with
The output means is
The asset management support device according to claim 1 or 3, wherein when the remaining amount of funds calculated by the remaining amount of funds calculation means becomes negative, a message indicating that there is a problem with inheritance is output. The tax payment calculation means is
The tax payment amount when the heir is added is calculated as the first tax payment amount, and the tax payment amount when the deposit and savings amount included in the above item is used for life insurance is calculated as the second tax payment amount and included in the above item. The amount of tax paid when the maximum amount of accumulated retirement allowance is utilized out of the amount of income and deposits and savings is calculated as the third tax payment amount.
The asset management support device according to claim 13, further comprising a tax-saving advice generating means for calculating the difference between the tax payment amount and each of the first to third tax payment amounts as the tax-saving amount. Assumed financial information calculation step to calculate financial information up to a predetermined deadline as assumed financial information based on the entered current financial information and expected future income and expenses.
A storage control step for storing the assumed financial information calculated by the assumed financial information calculation step in a storage means, and a storage control step.
A change amount calculation step for calculating a change amount for an item included in the stored assumed financial information in each year until the predetermined deadline, and a change amount calculation step.
An output step that outputs a message based on the assumed financial information stored in the storage means, and
An asset management support program characterized by having a computer execute.

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