JP4335223B2 - Asset management simulation apparatus and program - Google Patents

Description

  The present invention relates to an asset management simulation apparatus and a program. In particular, the present invention relates to an asset management simulation apparatus and program capable of easily displaying the correspondence between the management period of a customer who performs asset management and a portfolio.

  As the defined contribution pension spreads, development of a system for simulating asset management is progressing (see, for example, Patent Documents 1 and 2).

  Also, by dividing the period before retirement of individual investors into multiple categories and setting different portfolios for each category and performing simulations, the possibility of achieving the target amount at the time of retirement or maturity is increased. An asset management design system that can be used is known (see, for example, Patent Document 3).

  Also, Monte Carlo simulation is often used for simulation of asset management (see, for example, Patent Document 3 and Non-Patent Documents 1 and 2). In the stock investment simulation site of Non-Patent Document 2, the asset by Monte Carlo simulation is selected by selecting the investment stock and setting the investment amount, the management period, and the past data range of the investment stock to be referenced in the simulation. It is published that the operation result is displayed in a graph.

JP 2002-329076 A JP 2002-329078 A JP 2002-73968 A JP 2004-62871 A Tatsuya Ishikawa, Yoshihiko Uchida, “Pricing by Monte Carlo method and calculation of risk amount”, Financial Research, Bank of Japan, Institute for Financial Research, June 2002, Volume 21, Separate Volume 1, p. 51-90 "Crystal Ball (R)", [online], Structural Planning Research Institute, Inc. [searched on January 26, 2006], Internet <URL: http://www2.kke.co.jp/cb/index. html>

  In defined contribution pension plans, the portfolio of asset managers is expected to change over time. When a portfolio that changes with the lapse of the management period is set in advance and an asset management simulation is performed for asset management using such a portfolio, the relationship between the management period and the portfolio can be understood when displaying the asset management results. It is important to display easily. It is also desirable that the manager who sees the asset management result obtained by the simulation can change the portfolio corresponding to the management period.

  The present invention has been made in consideration of the above circumstances, and a first object is to perform an asset management simulation by setting a portfolio for each management period in advance, and to obtain an asset management result obtained by the simulation. An object of the present invention is to provide an asset management simulation apparatus and program capable of displaying the correspondence relationship between the management period and the portfolio in an easily understandable manner. A second object is to provide an asset management simulation apparatus and program capable of changing the portfolio setting for each management period after displaying the asset management result obtained by the asset management simulation.

  In order to solve the above problems, an asset management simulation apparatus according to a first aspect of the present invention includes customer identification information for identifying a customer, information indicating each operation period in which the customer performs asset management, and the customer A customer portfolio storage unit that stores color / pattern information indicating a color or pattern for identifying a portfolio in the management period in association with information indicating risk and return of the portfolio, and a customer who performs asset management Customer identification information is input, based on the portfolio risk and return in each operational period stored in the customer portfolio storage unit in association with the input customer identification information and the information indicating each operational period A simulation unit that performs asset management simulation and outputs asset management results for each operation period, and for each operation period Operation result screen data for displaying a graph using the color or pattern indicated by the color / pattern information stored in the customer portfolio storage unit in association with the operation period and the customer identification information of the customer. A result screen generating unit that generates and displays the operation result screen data on the terminal device of the customer.

The asset management simulation apparatus according to the first aspect of the present invention preferably includes portfolio identification information for identifying each of a plurality of portfolios, and color / pattern information indicating a color or pattern for identifying the portfolio. A reference portfolio storage unit that stores information indicating risk and return of the portfolio in association with each other, and is stored in the reference portfolio storage unit in association with each portfolio identification information for identifying the plurality of portfolios. Based on the risk and return, the portfolio is identified with each asset management result when the simulation section performs the asset management simulation for each of the plurality of portfolios when the portfolio of each investment period is the same throughout each investment period. To do Storage means for storing reference result screen data for graph display on a terminal device using the color or pattern indicated by the color / pattern information stored in the reference portfolio storage unit in association with the folio identification information, and the operation Information indicating the change period of the portfolio input by the customer and the customer identification information of the customer are received from the customer terminal device and stored in the storage unit. Color / pattern information indicating the color or pattern for displaying the reference result screen data on the customer terminal device, and specifying the portfolio to be applied in the change period from the customer terminal device, and customer identification information of the customer And an input screen generator for receiving
The terminal device of the customer includes color / pattern information indicating the color or pattern used in the graph selected by the customer among the graphs of the respective asset management results displayed on the display screen of the reference result screen data. The color / pattern information for specifying the portfolio to be applied in the change period is transmitted to the input screen generation unit together with the customer identification information of the customer, and the input screen generation unit transmits the color from the customer terminal device. The information indicating the risk and return stored in the reference portfolio storage unit in association with the pattern information is acquired, and the acquired information indicating the risk and return and the color / pattern information indicate the change period of the portfolio. By storing in the customer portfolio storage unit in association with information and customer identification information of the customer, the change period and the It may perform the information indicative of the risk and return that is associated with the client portfolio storing unit to the customer identification information of customers and updating of the color / pattern information.
For example, the terminal device of the customer corresponds to the position of the pointer in the graph selected by the customer by placing a pointer on the graph of the asset management result displayed on the display screen of the operation result screen data An operation period is transmitted as information indicating the portfolio change period together with the customer identification information of the customer to the input screen generation unit, and the input screen generation unit includes information indicating the portfolio change period from the customer terminal device; When the customer identification information of the customer is received, the reference result screen data stored in the storage unit may be transmitted to the terminal device of the customer and displayed.

The asset management simulation apparatus according to the first aspect of the present invention preferably includes portfolio identification information for identifying each of a plurality of portfolios, and color / pattern information indicating a color or pattern for identifying the portfolio. A reference portfolio storage unit that stores information indicating risk and return of the portfolio in association with each other, and is stored in the reference portfolio storage unit in association with each portfolio identification information for identifying the plurality of portfolios. It is a risk return relationship diagram showing each area of risk and return, and is associated with each portfolio identification information in each display area of risk and return stored in the reference portfolio storage unit in association with each portfolio identification information In the standard portfolio storage Storage means for storing risk return relationship diagram data for displaying on the terminal device a risk return relationship diagram using the color or pattern indicated by the color / pattern information being displayed, and the operation result screen data being displayed The information indicating the portfolio change period input by the customer to the terminal device of the customer and the customer identification information of the customer are received from the terminal device of the customer, and the risk return relationship diagram data stored in the storage means is A color image / pattern information for displaying on a customer terminal device and specifying a portfolio to be applied in the change period from the customer terminal device, and an input screen generating unit for receiving the customer identification information of the customer;
The customer terminal device is a color / color indicating the color or pattern used in the display area selected by the customer among the display areas of the risk return chart displayed on the display screen of the risk return relation diagram data. The pattern information is transmitted to the input screen generation unit together with the customer identification information of the customer as color / pattern information for specifying a portfolio to be applied in the change period, and the input screen generation unit is transmitted from the terminal device of the customer. The information indicating the risk and return stored in the reference portfolio storage unit in association with the color / pattern information is acquired, and the obtained information indicating the risk and return and the color / pattern information are changed to the portfolio. By storing in the customer portfolio storage unit in association with information indicating the period and customer identification information of the customer, Further period and the or the risk and information indicating a return that is associated with client portfolio storing portion and a structure to perform updating of the color / pattern information to the customer identification information of the customer.
For example, the terminal device of the customer corresponds to the position of the pointer in the graph selected by the customer by placing a pointer on the graph of the asset management result displayed on the display screen of the operation result screen data The operation period is transmitted as information indicating the portfolio change period to the input screen generation unit together with the customer identification information of the customer, and the input screen generation unit includes information indicating the portfolio change period and the customer identification information of the customer May be transmitted from the customer terminal device to the customer terminal device to display the risk-return relationship diagram data stored in the storage means.

The asset management simulation apparatus according to the first aspect of the present invention is preferably configured to include information indicating a portfolio change period input by the customer to the customer terminal device on which the operation result screen data is displayed, and the change period. An input screen generation unit for receiving color / pattern information for identifying a portfolio to be applied in the above and customer identification information of the customer from the terminal device of the customer;
In the customer terminal device, a pointer is placed on the asset management result graph displayed on the operation result screen data display screen, and the pointer in the graph selected by the customer as the portfolio change period is displayed. Information indicating the operation period corresponding to the display position and a pointer to be placed on the asset operation result graph displayed on the display screen of the operation result screen data to identify the portfolio to be applied by the customer in the change period Color / pattern information indicating the color or pattern corresponding to the display position of the pointer in the graph selected as the color or pattern to be transmitted to the input screen generation unit together with the customer identification information of the customer, The input screen generation unit is stored in the reference portfolio storage unit in association with the color / pattern information from the customer terminal device Information indicating the current risk and return, and the information indicating the acquired risk and return and the color / pattern information are associated with the information indicating the change period of the portfolio and the customer identification information of the customer. Configuration for updating the color / pattern information and information indicating the risk and return associated with the customer period storage unit with respect to the change period and the customer identification information of the customer by storing in the portfolio storage unit It is good.
For example, in the customer terminal device, the pointer is arranged on the asset operation result graph displayed on the operation result screen data display screen, and the customer selects the portfolio change period in the graph. The operation period corresponding to the display position of the pointer is transmitted to the input screen generation unit together with the customer identification information of the customer as the portfolio change period, and the asset management result displayed on the display screen of the operation result screen data A color / pattern indicating a color or pattern corresponding to the display position of the pointer in the graph selected by the customer as a color or pattern for specifying a portfolio to be applied in the change period by a pointer placed on the graph As color / pattern information for specifying a portfolio to which pattern information should be applied in the change period When the customer identification information is transmitted to the input screen generation unit together with customer identification information of the customer, the input screen generation unit receives the information indicating the change period of the portfolio and the customer identification information of the customer from the terminal device of the customer. It is good also as a structure which displays on the display screen of the said operation result screen data of the said customer's terminal device the message which prompts selection of the portfolio which should be applied by.

  In the asset management simulation apparatus according to the first aspect of the present invention, the customer portfolio storage unit includes customer identification information for identifying a customer, information indicating each operation period in which the customer performs asset management, and the customer The color / pattern information indicating the color or pattern for specifying the portfolio in the operation period of time and the information indicating the risk and return of the portfolio are stored in association with each other, and the customer is identified. The color / pattern information for specifying the portfolio in each operation period of the customer stored in advance in the customer portfolio storage unit in association with the customer identification information includes different color / pattern information. It is preferable.

  In the asset management simulation apparatus according to the first aspect of the present invention, the simulation unit receives customer identification information and a contribution amount of a customer who performs asset management of a defined contribution pension, and the customer identification information and the input The asset management simulation of the defined contribution pension may be performed based on the risk and return of the portfolio in each investment period stored in the customer portfolio storage unit in association with each investment period and the contribution amount.

  A second aspect of the present invention is a program for causing a computer to function as the asset management simulation apparatus according to the first aspect of the present invention.

  According to the present invention, when the risk and return of the portfolio in each management period is preset in the customer portfolio storage unit, the asset management simulation is performed in the simulation unit, and the asset management result obtained by the simulation is displayed, It is possible to provide an asset management simulation apparatus and program capable of easily displaying the correspondence between a period and a portfolio. In addition, it is possible to provide an asset management simulation apparatus and program capable of changing the setting of the portfolio for each management period after displaying the asset management result obtained by the asset management simulation.

  Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram illustrating an example of a block configuration of an asset management simulation apparatus 2 according to an embodiment of the present invention. The asset management simulation device 2 is a device that performs a defined contribution pension asset management simulation using a computer. When obtaining a simulation result of asset management by the asset management simulation device 2, the customer operates the terminal device 1. The terminal device 1 and the asset operation simulation device 2 are connected through a communication line such as the Internet.

  The asset management simulation apparatus 2 includes an input screen generation unit 10, a simulation unit 20, and a result screen generation unit 40. The input screen generation unit 10 includes a customer portfolio database (hereinafter referred to as “customer portfolio DB”) 50 which is an example of a customer portfolio storage unit and a reference portfolio database (hereinafter referred to as “reference portfolio DB”) which is an example of a reference portfolio storage unit. .) 60, the simulation unit 20 can access the customer portfolio DB 50 and the reference portfolio DB 60, and the result screen generation unit 40 can access the customer portfolio DB 60. The customer portfolio DB 50 and the reference portfolio DB 60 may be provided in the same computer as the asset management simulation apparatus 2 or may be provided in another computer. A program for causing the computer to perform processing operations of the input screen generation unit 10, the simulation unit 20, the result screen generation unit 40, the customer portfolio DB 50, and the reference portfolio DB 60 is installed in the asset management simulation device 2. It is good also as a structure which makes a computer perform the processing operation of the input screen production | generation part 10, the simulation part 20, the result screen production | generation part 40, customer portfolio DB50, and reference | standard portfolio DB60.

FIG. 2 is an explanatory diagram showing an example of the data configuration of the customer portfolio DB 50 in a table format. This customer portfolio DB 50 is information indicating a user ID that is customer identification information for identifying a customer, a customer's age (age), a customer's monthly contribution amount, and each operation period in which the customer performs asset management. Portfolio identification information (portfolio ID) for identifying the customer's portfolio in the management period, information indicating the asset allocation ratio of stocks, bonds, and time deposits in the customer's portfolio, portfolio risk in the management period, and Information indicating a return and color / pattern information indicating a color or pattern for specifying a customer portfolio in the operation period are stored in association with each other.
For example, the customer portfolio DB 50 is configured using a relational database (RDB), and a user ID field for storing a user ID, which is customer identification information for identifying a customer, and an age of the customer are stored. An age field, a contribution amount field for storing the customer's monthly contribution amount, an operation period field for storing information indicating each operation period in which the customer performs asset management, and a customer portfolio in the operation period A portfolio ID field for storing a portfolio ID for identifying the asset, a stock field for storing information indicating an asset allocation ratio of the stock in the customer's portfolio in the management period, and a customer's ID in the management period To store information indicating the asset allocation ratio of bonds in the portfolio Bond fields, time deposit fields for storing information indicating the asset allocation ratio of time deposits in the customer's portfolio during the management period, and risk fields for storing information indicating portfolio risk during the management period A return field for storing information indicating the return of the portfolio in the management period, and a color / pattern for storing color / pattern information indicating a color or pattern for specifying the customer portfolio in the management period An information field is provided for each record, the user ID of the customer stored in the same record, the customer's age, the customer's monthly contribution amount, the operation period in which the customer performs asset management, and the customer in the operation period And the portfolio ID of the customer's portfolio The asset allocation ratio of stocks in Rio, the asset allocation ratio of bonds in the customer's portfolio during the management period, the asset allocation ratio of time deposits in the customer's portfolio during the management period, and the portfolio risk during the management period The portfolio return in the operation period may be associated with the color / pattern information for specifying the customer portfolio in the operation period.

In the customer portfolio DB 50 of FIG. 2, the customer's age is “19 years old”, the customer's monthly contribution is “36000 yen”, and the portfolio ID is “0” in association with the user ID “U001” and the operation period “0-10 years”. 1 ”, Stock asset allocation ratio“ 40% ”, Bond asset allocation ratio“ 30% ”, Time deposit asset allocation ratio“ 30% ”, Portfolio risk“ 0.10 ”, Portfolio return“ 0.05 ” ”And color / pattern information“ red ”are stored.
In addition, in correspondence with the user ID “U001” and the operation period “11 to 20 years”, the customer's age is “19 years old”, the customer's monthly contribution is “36000 yen”, the portfolio ID is “2”, the stock asset Allocation ratio “30%”, Bond asset allocation ratio “35%”, Time deposit asset allocation ratio “35%”, Portfolio risk “0.08”, Portfolio return “0.04”, and Color / pattern Information "purple" is stored.
Also, in correspondence with the user ID “U001” and the operation period “21 to 30 years”, the customer's age is “19 years old”, the customer's monthly contribution amount is “36000 yen”, the portfolio ID is “3”, the stock assets Allocation ratio “20%”, Bond asset allocation ratio “40%”, Time deposit asset allocation ratio “40%”, Portfolio risk “0.06”, Portfolio return “0.03”, and Color / pattern Information “yellow” is stored.
Also, in association with the user ID “U001” and the operation period “31 to 42 years”, the customer's age is “19 years old”, the customer's monthly contribution is “36,000 yen”, the portfolio ID is “4”, and the stock assets Allocation ratio “10%”, Bond asset allocation ratio “45%”, Time deposit asset allocation ratio “45%”, Portfolio risk “0.04”, Portfolio return “0.02”, Color / pattern information “Green” is stored.
In the customer portfolio DB 50, as in the above specific example, the operation periods “0 to 10 years”, “11 to 20 years”, “21 to 30 years”, and “31 to 42 years” are assigned to one user ID. 4 records are allocated, the user ID is stored in advance in the user ID field, information indicating the operation period is stored in advance in the operation period field, and the portfolio ID is stored in advance in the portfolio ID field. , The stock asset allocation ratio is stored in the stock field, the asset allocation ratio of the bond is stored in the bond field in advance, the asset allocation ratio of the time deposit is stored in the time deposit field in advance, and the risk field is stored in the risk field. Information indicating risk is stored in advance, information indicating return is stored in the return field in advance, Color / pattern information is stored in advance in the / pattern information field, and the color / pattern for specifying the portfolio in each operation period of the customer stored in advance in the customer portfolio storage unit 50 in association with one user ID It is assumed that the information includes different color / pattern information.

FIG. 3 is an explanatory diagram showing an example of the data configuration of the reference portfolio DB 60 in a table format. The reference portfolio storage unit 60 includes a portfolio ID for identifying a portfolio, information indicating an asset allocation ratio of stocks, bonds, and time deposits in the portfolio, information indicating risk and return of the portfolio, and the portfolio. The color / pattern information indicating the color or pattern for identification is stored in association with each other.
For example, the reference portfolio DB 60 is configured using a relational database (RDB), and stores a portfolio ID field for storing a portfolio ID for identifying the portfolio, and information indicating an asset allocation ratio of stocks in the portfolio. A stock field for storing information, a bond field for storing information indicating the asset allocation ratio of bonds in the portfolio, a time deposit field for storing information indicating the asset allocation ratio of time deposits in the portfolio, and the portfolio A risk field for storing information indicating the risk of the product, a return field for storing information indicating the return of the portfolio, and color / pattern information for specifying the portfolio A color / pattern information field is provided for each record. The portfolio ID stored in the same record, the asset allocation ratio of stocks, the asset allocation ratio of bonds, the asset allocation ratio of time deposits, the portfolio risk, and the portfolio The return and the color / pattern information for specifying the portfolio may be associated with each other.

In the reference portfolio storage unit 60 of FIG. 3, information on four or more types of portfolios is stored. The asset allocation ratio “40%” of stocks and the asset allocation ratio “30” of bonds are associated with the portfolio ID “1”. % ”, Time deposit asset allocation ratio“ 30% ”, portfolio risk“ 0.10 ”, portfolio return“ 0.05 ”, and color / pattern information“ red ”are stored.
Further, in association with the portfolio ID “2”, the asset allocation ratio of stock “30%”, the asset allocation ratio of bonds “35%”, the asset allocation ratio of time deposits “35%”, and the portfolio risk “0.08”. ”, Portfolio return“ 0.04 ”, and color / pattern information“ purple ”.
Further, in association with the portfolio ID “3”, the asset allocation ratio of stock “20%”, the asset allocation ratio of bonds “40%”, the asset allocation ratio of time deposits “40%”, and the portfolio risk “0.06”. ”, Portfolio return“ 0.03 ”, and color / pattern information“ yellow ”.
Also, in association with the portfolio ID “4”, the asset allocation ratio of stock “10%”, the asset allocation ratio of bonds “45%”, the asset allocation ratio of time deposits “45%”, and the portfolio risk “0.04”. ”, Portfolio return“ 0.02 ”, and color / pattern information“ green ”.

  FIG. 4 is a flowchart illustrating an example of processing operations of the terminal device 1 and the asset management simulation device 2. First, the customer terminal device 1 transmits a user ID (“U001” as an example) that is customer identification information for identifying the customer and an initial screen request to the asset management simulation device 2 (step S2). When receiving the user ID “U001” and the initial screen request from the customer terminal device 1, the input screen generating unit 10 of the asset management simulation apparatus 2 receives initial screen data for displaying the initial input screen as the user ID “U001”. It transmits to the customer's terminal device 1 (step S4). The customer terminal device 1 displays an initial input screen according to the initial screen data received from the asset management simulation device 2 (step S6). On the initial input screen, an input field for inputting the age of the customer, an input field for inputting the monthly contribution amount, and a send button are displayed.

When the customer's age and contribution amount are input to the initial input screen by the customer and the send button is operated (step S8), the customer's terminal device 1 receives the input age and contribution amount information as initial data. To the asset management simulation apparatus 2 (step S9). When the input screen generation unit 10 of the asset management simulation device 2 receives the initial screen request from the customer terminal device 1, the input screen generation unit 10 displays the web page of the initial input screen for inputting various conditions for executing the asset management simulation. The customer terminal device 1 transmits to the asset management simulation device 2 initial data of various conditions for asset management simulation input by the customer on the web page of the initial input screen displayed by the browser. The customer terminal device 1 may automatically transmit a user ID (for example, “U001”) for identifying the customer to the asset management simulation device 2 when accessing the asset management simulation device 2. Good.
When the input screen generation unit 10 of the asset management simulation device 2 receives the user ID and the initial data from the customer terminal device 1, the input screen generation unit 10 associates the age and the contribution amount included in the received initial data with the user ID and each operation period. The initial value is set by storing in the customer portfolio DB 50 (step S10), and a simulation execution instruction including the user ID is sent to the simulation unit 20. For example, when the input screen generation unit 10 of the asset management simulation device 2 receives the initial data including the customer age “19 years old” and the contribution amount “36000 yen” and the user ID “U001” from the customer terminal device 1, The age “19 years old” and the contribution amount “36000 yen” included in the received initial data are set to the user ID “U001” and each operation period “0 to 10 years”, “11 to 20 years”, “21 to 30 years”. , Stored in the customer portfolio DB 50 in association with “31 to 42 years”, and sends a simulation execution instruction including the user ID “U001” to the simulation unit 20.

  When the simulation unit 20 receives a simulation execution instruction including a user ID from the input screen generation unit 10, the customer age and contribution amount stored in the customer portfolio DB 50 in association with the user ID and information indicating each operation period are stored. Asset management simulation is performed based on the risk and return of the portfolio in each management period (step S12), and the asset management result for each management period is output to the result screen generation unit 40 together with the user ID. For example, when the simulation unit 20 receives a simulation execution instruction including the user ID “U001” from the input screen generation unit 10, the user ID “U001” and the operation periods “0 to 10 years”, “11 to 20 years” The customer's age “19 years old” stored in the customer portfolio DB 50 in association with the information indicating “21-30 years” and “31-42 years”, the monthly contribution amount “36000 yen”, and each operation period The asset management simulation is performed based on the risk and return of the portfolio, and the annual asset management result for each management period until the pension receipt start age (for example, 60 years old) is output together with the user ID “U001”. The simulation unit 20 that performs the asset management simulation uses “0.10” as the risk of the customer portfolio in the operation period “0 to 10 years” and returns “ 0.05 ”,“ 0.08 ”is used as the risk of the customer portfolio in the management period“ 11 to 20 years ”,“ 0.04 ”is used as the return, and the management period“ 21 to 30 years ”is used. Using “0.06” as the risk of the customer's portfolio and “0.03” as the return, and using “0.04” as the risk of the customer's portfolio during the management period “31 to 41 years” “0.02” is used. If the customer's current age is 19 years old, the investment period until the age of 60 years for the defined contribution pension is 0 to 41 years (= 60 years old-19 years old). This calculation is automatically performed.

  When the result screen generation unit 40 receives the asset management result for each operation period and the user ID from the simulation unit 20, the asset operation result for each operation period is stored in the customer portfolio DB 50 in association with the operation period and the user ID. Result screen data for graph display is generated using the color or pattern indicated by the existing color / pattern information (step S14), and the result screen data is transmitted to the customer terminal device 1 (step S16). For example, when the result screen generation unit 40 receives the annual asset management result of the operation period “0 to 41 years” and the user ID “U001” from the simulation unit 20, the annual asset operation result of the operation period “0 to 41 years”. Is generated in association with the operation period and the user ID “U001”, and the result screen data for displaying the graph using the color or pattern indicated by the color / pattern information stored in the customer portfolio DB 50 is generated, and the user ID “U001” is generated. The result screen data is transmitted to the terminal device 1 of the customer. From the information stored in the customer portfolio DB 50 of FIG. 2, when displaying the result screen data on the customer terminal device 1, “red” is used as the display color of the asset management result in the operation period “0 to 10 years” “Purple” is used as the display color of the asset management result in the management period “11 to 20 years”, and “yellow” is used as the display color of the asset management result in the management period “21 to 30 years”. “Green” is used as the display color of the asset management result in the operation period “31 to 41 years”.

  When the customer terminal device 1 receives the result screen data from the asset operation simulation device 2, the customer terminal device 1 displays the asset operation result for each operation period in a graph according to the result screen data (step S18). In the above example, the asset management result in the operation period “0 to 10 years” is displayed in red on the display screen of the asset management result graph, and the asset management result in the operation period “11 to 20 years” is purple. The asset management result in the management period “21 to 30 years” is displayed in yellow, and the asset management result in the management period “31 to 41 years” is displayed in green. Therefore, the customer can easily visually grasp which portfolio is applied in which operation period. The customer terminal device 1 displays a graph of asset management results for each management period, and displays an operation button for selecting whether to change the portfolio settings for each management period in which the asset management simulation is performed. . For example, when changing a portfolio by management period, select the change period, which is the management period for which the portfolio should be changed, on the display graph of the asset management result by operating the first operation button corresponding to the change required. When the portfolio for each operation period is not changed, a message for prompting the user to operate the second operation button corresponding to the need for change and the first and second operation buttons are displayed.

When the first operation button for changing the portfolio setting is selected by the customer (Step S19: No), the customer terminal device 1 changes the portfolio selected by the customer on the asset management result display screen. Is sent to the asset management simulation apparatus 2. When the asset management simulation device 2 receives a change notification and a user ID including a portfolio change period from the customer terminal device 1, the asset management simulation device 2 performs a process for correcting the setting of the portfolio for each customer operation period of the user ID. (Step S20), the process returns to Step 12 in order to re-execute the asset management simulation with the corrected portfolio for each management period.
When the customer's terminal device 1 selects the second operation button not changing the portfolio setting by the customer (step S19: Yes), the change unnecessary notification notifying that the setting of the portfolio is not changed. And the user ID are transmitted to the asset management simulation apparatus 2. When the asset management simulation device 2 receives the change-unnecessary notification and the user ID to confirm without changing the portfolio setting from the customer's terminal device 1, the asset management simulation device 2 displays information indicating that the change-unnecessary notification has been received. 1 is transmitted and displayed, and the processing of this flowchart ends.

  FIG. 5 is a flowchart showing an example of the asset management simulation process in step S12 in the flowchart of FIG. In the simulation unit 20, when the operation period T is initially set to 1 at the start of step S12 and a simulation execution instruction including a user ID is received, the customer stored in the customer portfolio DB 50 in association with the user ID is stored. Is used to determine whether or not the operation period T is less than or equal to the maximum operation period Tmax using the maximum operation period Tmax obtained by subtracting the customer's age from the pension receipt start age (step S122). The simulation unit 20 has a memory that stores the user ID, each operation period, and the asset operation result included in the simulation execution instruction in association with each other, and each operation period on the memory is each year from 0 to 42 years. The asset management result in each operation period has an initial value of 0. When the operation period T is longer than the maximum operation period Tmax (step S122: No), the user ID that is stored in the memory and the years until the maximum operation period Tmax (however, when the maximum operation period Tmax is 0 or less) When the operation period T is equal to or less than the maximum operation period Tmax, the operation period and its asset operation result are output to the result screen generation unit 40 and the processing of this flowchart is terminated. Step S122: Yes), the process proceeds to Step S123. For example, upon receiving a simulation execution instruction including the user ID “U001”, the simulation unit 20 reads the customer age “19 years” stored in the customer portfolio DB 50 in association with the user ID “U001” and receives the pension. Using the maximum operation period Tmax “41 years” obtained by subtracting the customer age “19 years” from the start age “60 years”, it is determined whether the operation period T is equal to or less than the maximum operation period Tmax “41 years”.

  In step S123, the simulation unit 20 reads the risk, return, and contribution amount of the portfolio corresponding to the operation period T stored in the customer portfolio DB 50 in association with the user ID and the operation period T (step S123). Based on the risk, return, and contribution amount, the asset management result for that year is simulated, and the asset management result is stored in the memory in association with the user ID and the operation period T (step S124). This asset management simulation is performed by, for example, a Monte Carlo simulation. For example, the number of computations in the Monte Carlo simulation can be arbitrarily set in the range of 10,000 to 2,000,000 times in consideration of the balance between computation time and simulation accuracy. For example, when the operation period T = 1, the contribution amount “36000” stored in the customer portfolio DB 50 in association with the operation period “0 to 10 years” including the operation period “1 year” and the user ID “U001”. "Yen", risk "0.10", and return "0.05" are read out, and these read out values are used in the asset management simulation.

  Next, the simulation unit 20 increases the operation period T by 1 (step S125), and repeats the processing of steps S122 to S124 until the operation period T becomes greater than the maximum operation period Tmax (step S122: No). The asset management simulation in the second and subsequent processes is based on the asset management result obtained in the previous simulation based on the contribution amount, risk and return stored in the customer portfolio DB 50 in association with the user ID and the management period T. It is made to use the value which added the amount of contribution for one year.

  FIG. 6 is an explanatory diagram showing an example of an initial screen displayed on the customer terminal device 1 in step S6 of the flowchart of FIG. In the initial screen illustrated in FIG. 6, the customer inputs the current age and the monthly contribution amount into a predetermined field, and then clicks the send button with a pointing device such as a mouse. Initial data including the customer's age and contribution amount is transmitted to the asset management simulation apparatus 2 together with the user ID of the customer.

FIG. 7 is an explanatory diagram showing an example of a result display screen displayed on the customer terminal device 1 in step S18 of the flowchart of FIG. In the result display screen illustrated in FIG. 7, the asset management result for each operation period is displayed as a bar graph with the operation axis (year) on the horizontal axis and the asset operation result (yen) on the vertical axis. Each bar (data marker) of the bar graph is filled with the color or pattern indicated by the color / pattern information associated with the customer portfolio DB 50 for the year (operation period). In this example, on the display screen of the asset management result bar graph, each bar indicating the asset management result in the management period “0 to 10 years” (period A) is displayed in red, and the management period “11 to 20 years” ( Each bar indicating the asset management result in the period B) is displayed in purple, each bar indicating the asset management result in the management period “21 to 30 years” (period C) is displayed in yellow, and the management period “31 to 31” is displayed. Each bar indicating the asset management result in “41 years” (period D) is displayed in green. Therefore, the customer can easily visually grasp which portfolio is applied in which management period. Although the asset management result obtained by the simulation has a range because it is calculated in consideration of the risk, in the example of FIG. 7, the intermediate value of the asset management result obtained by the simulation is shown by a bar graph.
The asset management result may be displayed in a line graph. In this case, the area between the horizontal axis indicating the operation period and the line (data marker) is filled with the color or pattern indicated by the color / pattern information, For example, the area between the broken line indicating the asset management result in the operation period “0 to 10 years” (period A) and the horizontal axis is displayed in red, and the asset in the operation period “11 to 20 years” (period B) The area between the line indicating the operation result and the horizontal axis is displayed in purple, and the area between the line indicating the asset operation result and the horizontal axis in the operation period “21 to 30 years” (period C) is yellow. The area between the broken line indicating the asset management result in the management period “31 to 41 years” (period D) and the horizontal axis is displayed in green.

FIG. 8 is a flowchart for explaining step S20 in the flowchart of FIG. 4, that is, a first example of portfolio change processing applied for each operation period. FIG. 9 is a terminal device in step S218 of the flowchart of FIG. FIG. 9 is an explanatory diagram illustrating a first example of a portfolio selection screen displayed in FIG. 1, and a first example of a portfolio change process applied during an operation period will be described with reference to FIGS. 8 and 9.
On the result display screen displayed on the terminal device 1, the customer selects a change period that is an operation period in which the portfolio is to be changed, and operates the first operation button corresponding to the change required (step S202). For example, when the operation result screen is the graph display screen shown in FIG. 7, the change period is selected by selecting a bar of the bar graph with a pointer.
The customer terminal device 1 arranges the operation period corresponding to the position of the pointer in the graph selected by the customer by placing the pointer on the graph of the asset operation result displayed on the display screen of the operation result screen data. A change required notification including information indicating the change period is transmitted to the asset management simulation apparatus 2 together with the customer user ID (step S214). For example, when the pointer is arranged and selected in the area of the operation period “0 to 10 years” (period A), the operation period “0 to 10 years” is selected and the operation period “11 to 20 years” (period B). When the pointer is arranged and selected in the area, the operation period “11 to 20 years” is selected, and when the pointer is arranged and selected in the area of the operation period “21 to 30 years” (period C), the operation period is selected. When “21 to 30 years” is selected and a pointer is placed and selected in the area of the operation period “31 to 41 years” (period D), the operation period “31 to 41 years” is selected. Yes.

When the input screen generation unit 10 of the asset management simulation apparatus 2 receives the change request notification including information indicating the portfolio change period and the customer user ID from the customer terminal device 1, the portfolio selection screen for selecting the portfolio The reference result screen data is transmitted to the customer terminal device 1 as the screen data (step S216).
The reference result screen data is based on the risk and return stored in the reference portfolio DB 60 in association with each portfolio ID, and the portfolio of each management period “1 to 42 years” is passed through each management period “1 to 42 years”. A terminal using the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 in association with each portfolio management result when the simulation unit 20 performs the asset management simulation when they are the same. This is screen data for displaying a graph on the apparatus 1 and is stored in advance in the storage means of the input screen generation unit 10.
For example, when the data of the reference portfolio DB 60 of FIG. 3 is used, the reference result screen data includes at least first to fourth screen data.
The first screen data includes a predetermined contribution amount (for example, 36000) set in advance as risk “0.10” and return “0.05” stored in the reference portfolio DB 60 in association with the portfolio ID “1”. Yen / month), the asset management results for each management period when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the portfolio of the portfolio ID “1” Is displayed on the customer's terminal device 1 using a red color indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID “1”.
The second screen data includes a predetermined contribution amount (36000 as an example) preset as risk “0.08” and return “0.04” stored in the reference portfolio DB 60 in association with the portfolio ID “2”. Yen / month), the asset management results for each management period when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the portfolio of the portfolio ID “2” Is displayed on the customer terminal device 1 in a graph using the purple color indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID “2”.
The third screen data includes a predetermined contribution amount (36000 as an example) set in advance as risk “0.06” and return “0.03” stored in the reference portfolio DB 60 in association with the portfolio ID “3”. Yen / month), the asset management result for each management period when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the portfolio of the portfolio ID “3” Is displayed in a graph on the customer terminal device 1 using the yellow color indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID “3”.
The fourth screen data includes a predetermined contribution amount (36000 as an example) set in advance as risk “0.04” and return “0.02” stored in the reference portfolio DB 60 in association with the portfolio ID “4”. Yen / month), the asset management result for each management period when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the portfolio of the portfolio ID “4” Is displayed on the customer terminal device 1 in a graph using the green color indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID “4”.

The customer terminal device 1 displays each asset management result in a graph according to the reference result screen data received from the input screen generation unit 10 of the asset management simulation device 2 (see step S218, FIG. 9). That is, each asset management result when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the same throughout the management period “1 to 42 years” is Using the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID, a graph is displayed in the portfolio selection field 2181 as shown in FIG. 9, and each graph at this time is shown in FIG. It is designed to be smaller than the display graph on the operation result screen. Since the same color or pattern is used on the operation result screen and the reference result screen for the display related to the same portfolio, it is easy for the customer to visually grasp the portfolio.
In addition, on the display screen of the reference result screen data for selecting a portfolio, as illustrated in FIG. 9, a message field 2182 for prompting selection of a portfolio asset management graph to be applied during the portfolio change period is also displayed. In this column 2182, information indicating the change period selected in step S202 is displayed by default as an operation period in the message. When the change period is 0 to 10 years, as an example, “apply to the operation period 0 to 10 years” “Select the portfolio asset management graph to be selected and click the send button.” Is displayed in the message field 2182.

On the display screen of the reference result screen data of FIG. 9, the customer selects the portfolio graph to be applied in the change period selected in step S202 and operates the send button (step S220), and information indicating the portfolio selection result Is transmitted to the input screen generation unit 10 of the asset management simulation apparatus 2 (step S222). In this example, the customer can select a portfolio to be applied in the change period by selecting a graph with a pointer on the display screen of the reference result screen data.
In this case, the customer terminal device 1 displays color / pattern information indicating the color or pattern used in the graph selected by the customer among the graphs of the asset management results displayed on the display screen of the reference result screen data. Then, the color / pattern information for specifying the portfolio to be applied in the change period is transmitted to the input screen generation unit 10 together with the user ID. The input screen generation unit 10 is information indicating the portfolio ID stored in the reference portfolio DB 60 in association with the color / pattern information from the customer's terminal device 1, the asset allocation ratio of stocks, bonds and time deposits, risk and return. And the acquired portfolio ID, the asset allocation ratio of stocks, bonds and time deposits, the information indicating risk and return, and the color / pattern information are associated with the information indicating the portfolio change period and the customer user ID. By storing in the portfolio DB 50, the information indicating the risk and return and the color / pattern information associated with the change period and the user ID in the customer portfolio DB 50 are updated, and the simulation execution instruction including the user ID is simulated. 4 to the flowchart of FIG. So that the re-simulation is performed back to step S12. The input screen generation unit 10 uses the portfolio ID, the asset allocation ratio of stocks, bonds, and time deposits, information indicating risk and return, and the color / pattern information as information indicating the change period of the portfolio and the user ID of the customer. When storing in the customer portfolio DB 50 in association with each other, if the portfolio change period is “31 to 41 years”, the customer is associated with the operation period “31 to 42 years” including the change period and the user ID of the customer. It is good to store in portfolio DB50.

  In addition, each asset management result when the asset management simulation is performed in the simulation unit 20 when the portfolio of each management period “1 to 42 years” is the same throughout each management period “1 to 42 years” is the portfolio ID. The screen data for displaying the graph on the terminal device 1 using the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 in association with is stored in the storage means of the input screen generation unit 10 in advance. The portfolio of each management period from the pension receipt start age to the maximum management period Tmax obtained by subtracting the customer's age (for example, each management period “1 to 41 years” for the user ID “U001”) Each asset management result when the simulation unit 20 performs the asset management simulation in the case of being the same throughout “1-41 years” Screen data for displaying a graph on the terminal device 1 using the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID is displayed as screen data for the portfolio selection screen in step S216. It is good also as a structure transmitted to the terminal device 1.

FIG. 10 is an explanatory diagram illustrating a second example of the portfolio selection screen displayed on the terminal device 1 in step S218 of the flowchart of FIG. A second example of portfolio change processing applied during the operation period will be described with reference to FIGS.
On the result display screen displayed on the terminal device 1, the customer selects a change period that is an operation period in which the portfolio is to be changed, and operates the first operation button corresponding to the change required (step S202). For example, when the operation result screen is the graph display screen shown in FIG. 7, the change period is selected by selecting a bar of the bar graph with a pointer.
The customer terminal device 1 arranges the operation period corresponding to the position of the pointer in the graph selected by the customer by placing the pointer on the graph of the asset operation result displayed on the display screen of the operation result screen data. A change required notification including information indicating the change period is transmitted to the asset management simulation apparatus 2 together with the customer user ID (step S214). For example, when the pointer is arranged and selected in the area of the operation period “0 to 10 years” (period A), the operation period “0 to 10 years” is selected and the operation period “11 to 20 years” (period B). When the pointer is arranged and selected in the area, the operation period “11 to 20 years” is selected, and when the pointer is arranged and selected in the area of the operation period “21 to 30 years” (period C), the operation period is selected. When “21 to 30 years” is selected and a pointer is placed and selected in the area of the operation period “31 to 41 years” (period D), the operation period “31 to 41 years” is selected. Yes.

When the input screen generation unit 10 of the asset management simulation apparatus 2 receives the change request notification including information indicating the portfolio change period and the customer user ID from the customer terminal device 1, the portfolio selection screen for selecting the portfolio The risk return relationship diagram data is transmitted to the customer's terminal device 1 as the screen data (step S216).
The risk / return relationship diagram data is a risk / return diagram showing each area of risk and return stored in the reference portfolio DB 60 in association with each portfolio ID, and stored in the reference portfolio DB 60 in association with each portfolio ID. For displaying on the terminal device 1 a risk-return relationship diagram in which the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 is associated with the portfolio ID in each display area of risk and return Screen data, which is stored in advance in the storage means of the input screen generation unit 10.
For example, when the data of the reference portfolio DB 60 of FIG. 3 is used, the risk / return relationship diagram on the display screen of the risk / return relationship diagram data includes at least first to fourth display areas.
In the risk / return relationship diagram, the risk / return relationship is based on the risk “0.10” and the return “0.05” and the color / pattern information “red” stored in the reference portfolio DB 60 in association with the portfolio ID “1”. Red is used for the first display area (first ellipse display area) composed of an ellipse area including the coordinates of risk “0.10” and return “0.05” in the figure.
Further, in the risk / return relationship diagram, the risk “0.08” and the return “0.04” stored in the reference portfolio DB 60 in association with the portfolio ID “2” and the color / pattern information “purple” are used. Purple is used for the second display area (second ellipse display area) composed of the ellipse area including the coordinates of the risk “0.08” and the return “0.04” in the return relationship diagram.
In the risk-return relationship diagram, the risk “0.06” and the return “0.03” stored in the reference portfolio DB 60 in association with the portfolio ID “3” and the color / pattern information “yellow” are used. Yellow is used for the third display area (third elliptical display area) composed of an elliptical area including the coordinates of the risk “0.06” and the return “0.03” in the return relationship diagram.
In the risk-return relationship diagram, the risk “0.04” and the return “0.02” stored in the reference portfolio DB 60 in association with the portfolio ID “4” and the color / pattern information “green” are used. Green is used for a fourth display area (fourth elliptical display area) composed of an elliptical area including the coordinates of the risk “0.04” and the return “0.02” in the return relationship diagram.

The customer terminal device 1 displays the risk return relationship diagram according to the risk return relationship diagram data received from the input screen generation unit 10 of the asset management simulation device 2 (see step S218, FIG. 10). That is, it is a risk-return relationship diagram showing each area of risk and return stored in the reference portfolio DB 60 in association with each portfolio ID, and the risk and return stored in the reference portfolio DB 60 in association with each portfolio ID A risk-return relationship diagram using the color or pattern indicated by the color / pattern information stored in the reference portfolio DB 60 in association with the portfolio ID is displayed on the terminal device 1 in each display area. For the display related to the same portfolio, the same color or pattern is used on the operation result screen and the risk / return relation diagram, which makes it easier for the customer to visually grasp the portfolio.
In addition, on the display screen of the risk / return relation diagram data for selecting a portfolio, as shown in FIG. 10, a message field 2182 for prompting selection of a risk / return area of the portfolio to be applied during the portfolio change period is also displayed. In this field 2182, the information indicating the change period selected in step S202 is displayed as a default operation period in the message. When the change period is 0 to 10 years, as an example, “operation period 0 to 10 years” is displayed. The message column 2182 displays the guidance text “Please select the area showing the risk and return of the portfolio to be applied to and click the send button”.

The customer selects the portfolio risk and return oval display area to be applied in the change period selected in step S202 on the risk return relationship diagram data display screen of FIG. 10, and operates the send button (step S220). Information indicating the portfolio selection result is transmitted to the input screen generation unit 10 of the asset management simulation apparatus 2 (step S222). In this example, the customer can select a portfolio to be applied in the change period by selecting an elliptical display area with a pointer on the display screen of the risk return relationship diagram.
In this case, the customer's terminal device 1 uses the color or pattern used in the elliptical display area selected by the customer among the elliptical display areas of the risk / return relation diagram displayed on the display screen of the risk / return relation diagram data. The displayed color / pattern information is transmitted to the input screen generating unit 10 together with the user ID as color / pattern information for specifying a portfolio to be applied in the change period. The input screen generation unit 10 is information indicating the portfolio ID stored in the reference portfolio DB 60 in association with the color / pattern information from the customer's terminal device 1, the asset allocation ratio of stocks, bonds and time deposits, risk and return. And the acquired portfolio ID, the asset allocation ratio of stocks, bonds and time deposits, the information indicating risk and return, and the color / pattern information are associated with the information indicating the portfolio change period and the customer user ID. By storing in the portfolio DB 50, the information indicating the risk and return and the color / pattern information associated with the change period and the user ID in the customer portfolio DB 50 are updated, and the simulation execution instruction including the user ID is simulated. 4 to the flowchart of FIG. So that the re-simulation is performed back to step S12. The input screen generation unit 10 uses the portfolio ID, the asset allocation ratio of stocks, bonds, and time deposits, information indicating risk and return, and the color / pattern information as information indicating the change period of the portfolio and the user ID of the customer. When storing in the customer portfolio DB 50 in association with each other, if the portfolio change period is “31 to 41 years”, the customer is associated with the operation period “31 to 42 years” including the change period and the user ID of the customer. It is good to store in portfolio DB50.

As a third example of portfolio change processing applied during the management period, an example will be described in which an asset management result display screen is used as a portfolio selection screen.
On the result display screen displayed on the terminal device 1, the customer selects a change period that is an operation period in which the portfolio is to be changed, and operates the first operation button corresponding to the change required (step S202). For example, when the result display screen of the asset management result is the graph display screen shown in FIG. 7, the change period is selected by selecting a bar of the bar graph with a pointer.
The customer terminal device 1 arranges the operation period corresponding to the position of the pointer in the graph selected by the customer by placing the pointer on the graph of the asset operation result displayed on the display screen of the operation result screen data. A change required notification including information indicating the change period is transmitted to the asset management simulation apparatus 2 together with the customer user ID (step S214). For example, when the pointer is arranged and selected in the area of the operation period “0 to 10 years” (period A), the operation period “0 to 10 years” is selected and the operation period “11 to 20 years” (period B). When the pointer is arranged and selected in the area, the operation period “11 to 20 years” is selected, and when the pointer is arranged and selected in the area of the operation period “21 to 30 years” (period C), the operation period is selected. When “21 to 30 years” is selected and a pointer is placed and selected in the area of the operation period “31 to 41 years” (period D), the operation period “31 to 41 years” is selected. Yes.

  When the input screen generation unit 10 of the asset management simulation apparatus 2 receives the change notification including information indicating the portfolio change period and the customer user ID from the customer terminal device 1, the selection of the portfolio to be applied in the change period Is transmitted to the customer terminal device 1 as portfolio selection screen data (step S216).

The customer terminal device 1 displays the received message on the result display screen (step S218). In the message display column, information indicating the change period selected in step S202 is displayed by default as an operation period in the message. When the change period is 0 to 10 years, for example, “operation period 0 to 10 years” is displayed. Select the portfolio area to be applied to and click the send button "in the message field and send button.
On the result display screen in which the message is displayed, the customer selects a color or pattern for specifying the portfolio to be applied in the change period selected in step S202 and operates the send button (step S220) to select the portfolio. Information indicating the result is transmitted to the input screen generation unit 10 of the asset management simulation apparatus 2 (step S222).
In this case, the customer terminal device 1 uses a color or a color for specifying a portfolio to be applied in the change period by the customer by placing a pointer on the graph of the asset management result displayed on the display screen of the operation result screen data. The color / pattern information indicating the color or the pattern corresponding to the display position of the pointer in the graph selected as the pattern is transmitted to the input screen generating unit 10 together with the user ID. The input screen generation unit 10 is information indicating the portfolio ID stored in the reference portfolio DB 60 in association with the color / pattern information from the customer's terminal device 1, the asset allocation ratio of stocks, bonds and time deposits, risk and return. The customer portfolio DB 50 is obtained by associating the acquired portfolio ID, the asset allocation ratio of stocks, bonds, and time deposits, information indicating the risk and return, and the color / pattern information with the information indicating the change period of the portfolio and the user ID. , The information indicating the risk and return associated with the change period and the user ID in the customer portfolio DB 50 and the color / pattern information are updated, and a simulation execution instruction including the user ID is transmitted to the simulation unit 20. To the steps of the flowchart of FIG. So that the re-simulation is performed back to S12. The input screen generation unit 10 uses the portfolio ID, the asset allocation ratio of stocks, bonds, and time deposits, information indicating risk and return, and the color / pattern information as information indicating the change period of the portfolio and the user ID of the customer. When storing in the customer portfolio DB 50 in association with each other, if the portfolio change period is “31 to 41 years”, the customer is associated with the operation period “31 to 42 years” including the change period and the user ID of the customer. It is good to store in portfolio DB50.

  FIG. 11 is a flowchart showing a fourth example of step S20 in the flowchart of FIG. 4, that is, a portfolio change process applied during the operation period. In this example, the processing from step S202 to S220 is substantially the same as the processing in the flowchart of FIG. 8, but the operation period “0 to 10 years”, “11 to 20 years”, “21 to 30 years”, “ Among “31 to 41 years”, a portfolio can be selected for a plurality of operation periods. For example, in step S202, the result display screen of the asset management result of FIG. 7 is displayed. In the result display screen, the first operation period section “0 to 10 years” (period A) and the second operation period section “11” are displayed. To 20 years "(period B), the third operation period category" 21 to 30 years "(period C), and the fourth operation period category" 31 to 41 years "(period D). A portfolio to be applied can be selected. For example, a transmission button that also serves as a change end button and a change continuation button are displayed on the portfolio selection screen in step S218, and are applied to the change period selected in step S202. When the portfolio to be selected is selected in step S220 and the change continuation button is operated (step S221: No), the process returns to step S202 and the result display screen of the asset management result Although it is displayed, if the portfolio to be applied to the change period selected in step S202 is selected in step S220 and the send button is operated (step S221: Yes), the steps up to that point in the processing loop of steps S202 to S221 are performed. The change period selected in S202 and the color / pattern information for specifying the portfolio to be applied in the change period are transmitted to the input screen generation unit 10 together with the user ID (step S222). In this way, asset management may be re-simulated after resetting a plurality of portfolios.

  Note that the present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the spirit of the present invention.

It is a block diagram which shows an example of the block configuration of the asset management simulation apparatus 2 which concerns on embodiment of this invention. It is explanatory drawing which shows an example of a data structure of customer portfolio DB50 in a table format. It is explanatory drawing which shows an example of a data structure of reference | standard portfolio DB60 in a table format. It is a flowchart which shows an example of the processing operation of the terminal device 1 and the asset operation simulation apparatus 2. It is a flowchart which shows an example of the process of step S12 in the flowchart of FIG. FIG. 5 is an explanatory diagram illustrating an example of an initial screen displayed on the terminal device 1 in step S6 of the flowchart of FIG. 4. FIG. 5 is an explanatory diagram illustrating an example of a result display screen displayed on the terminal device 1 in step S18 of the flowchart of FIG. 4. It is a flowchart which shows the 1st example of a process of step S20 in the flowchart of FIG. It is explanatory drawing which shows the 1st example of the portfolio selection screen displayed on the terminal device 1 by step S218 of the flowchart of FIG. It is explanatory drawing which shows the 2nd example of the portfolio selection screen displayed on the terminal device 1 by step S218 of the flowchart of FIG. It is a flowchart which shows the 2nd example of a process of step S20 in the flowchart of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Terminal device, 2 ... Asset management simulation apparatus, 10 ... Input screen generation part, 20 ... Simulation part, 40 ... Result display screen generation part, 50 ... Customer portfolio storage part (customer portfolio DB), 60 ... Reference portfolio storage part (Standard Portfolio DB)

Claims (10)

Customer identification information for identifying a customer, information indicating each operation period in which the customer performs asset management, color / pattern information indicating a color or pattern for identifying a portfolio of the customer in the operation period, and A customer portfolio storage unit that stores information indicating risk and return of the portfolio in association with each other;
The risk of the portfolio in each management period stored in the customer portfolio storage unit in association with the input customer identification information and the information indicating each management period is inputted. And a simulation unit that performs an asset management simulation based on the return and outputs an asset management result for each management period;
For displaying the asset management result for each management period in a graph using the color or pattern indicated by the color / pattern information stored in the customer portfolio storage unit in association with the management period and the customer identification information of the customer An asset management simulation device comprising: a result screen generation unit that generates operation result screen data and causes the customer terminal device to display the operation result screen data. Criteria for storing portfolio identification information for identifying each of a plurality of portfolios, color / pattern information indicating a color or pattern for specifying the portfolio, and information indicating risk and return of the portfolio in association with each other A portfolio store;
Assets when portfolios in each management period are the same throughout each management period based on the risk and return stored in the reference portfolio storage unit in association with each portfolio identification information for identifying the plurality of portfolios Colors / patterns stored in the reference portfolio storage unit in association with portfolio identification information for identifying each portfolio when each of the plurality of portfolios is subjected to an operation simulation by the simulation unit. Storage means for storing reference result screen data for graph display on the terminal device using the color or pattern indicated by the information;
The information indicating the portfolio change period input by the customer and the customer identification information of the customer are received from the customer terminal device and stored in the storage unit. The reference result screen data is displayed on the terminal device of the customer, and color / pattern information indicating a color or pattern for specifying a portfolio to be applied in the change period from the terminal device of the customer and the customer of the customer And an input screen generation unit that receives the identification information.
The terminal device of the customer includes color / pattern information indicating the color or pattern used in the graph selected by the customer among the graphs of the respective asset management results displayed on the display screen of the reference result screen data. Send to the input screen generation unit together with the customer identification information of the customer as color / pattern information for specifying a portfolio to be applied in the change period,
The input screen generation unit acquires information indicating the risk and return stored in the reference portfolio storage unit in association with the color / pattern information from the terminal device of the customer, and the acquired risk and return Information and the color / pattern information are stored in the customer portfolio storage unit in association with information indicating the change period of the portfolio and customer identification information of the customer, so that the change period and the customer identification information of the customer are stored. The asset operation simulation apparatus according to claim 1, wherein information indicating the risk and return and the color / pattern information associated with each other in the customer portfolio storage unit are updated. The customer terminal device has an operation period corresponding to the position of the pointer in the graph selected by the customer by placing a pointer on the graph of the asset operation result displayed on the display screen of the operation result screen data To the input screen generator together with the customer identification information of the customer as information indicating the change period of the portfolio,
When the input screen generation unit receives information indicating the portfolio change period and the customer identification information of the customer from the terminal device of the customer, the input screen generation unit displays the reference result screen data stored in the storage unit as the terminal of the customer. The asset operation simulation apparatus according to claim 2, wherein the asset operation simulation apparatus is transmitted to the apparatus and displayed. Criteria for storing portfolio identification information for identifying each of a plurality of portfolios, color / pattern information indicating a color or pattern for specifying the portfolio, and information indicating risk and return of the portfolio in association with each other A portfolio store;
It is a risk return relationship diagram showing each area of risk and return stored in the reference portfolio storage unit in association with each portfolio identification information for identifying the plurality of portfolios, and is associated with each portfolio identification information The colors and patterns indicated by the color / pattern information stored in the reference portfolio storage unit in association with the portfolio identification information are used in the risk and return display areas stored in the reference portfolio storage unit. Storage means for storing risk return relationship diagram data for displaying the risk return relationship diagram on the terminal device;
The information indicating the portfolio change period input by the customer and the customer identification information of the customer are received from the customer terminal device and stored in the storage unit. The risk / return relationship diagram data is displayed on the terminal device of the customer, and the color / pattern information for specifying the portfolio to be applied in the change period and the customer identification information of the customer are received from the terminal device of the customer And an input screen generation unit,
The customer terminal device is a color / color indicating the color or pattern used in the display area selected by the customer among the display areas of the risk return chart displayed on the display screen of the risk return relation diagram data. The pattern information is transmitted to the input screen generation unit together with the customer identification information of the customer as color / pattern information for specifying a portfolio to be applied in the change period,
The input screen generation unit acquires information indicating the risk and return stored in the reference portfolio storage unit in association with the color / pattern information from the terminal device of the customer, and the acquired risk and return Information and the color / pattern information are stored in the customer portfolio storage unit in association with information indicating the change period of the portfolio and customer identification information of the customer, so that the change period and the customer identification information of the customer are stored. The asset operation simulation apparatus according to claim 1, wherein information indicating the risk and return and the color / pattern information associated with each other in the customer portfolio storage unit are updated. The customer terminal device has an operation period corresponding to the position of the pointer in the graph selected by the customer by placing a pointer on the graph of the asset operation result displayed on the display screen of the operation result screen data To the input screen generator together with the customer identification information of the customer as information indicating the change period of the portfolio,
When the input screen generation unit receives the information indicating the portfolio change period and the customer identification information of the customer from the terminal device of the customer, the input screen generation unit obtains the risk-return relationship diagram data stored in the storage unit. The asset operation simulation apparatus according to claim 4, wherein the asset operation simulation apparatus is transmitted to a terminal device and displayed. Information indicating a portfolio change period input by the customer on the customer terminal device on which the operation result screen data is displayed, color / pattern information for specifying a portfolio to be applied in the change period, and the customer's terminal An input screen generating unit for receiving customer identification information from the terminal device of the customer;
In the customer terminal device, a pointer is placed on the asset management result graph displayed on the operation result screen data display screen, and the pointer in the graph selected by the customer as the portfolio change period is displayed. Information indicating the operation period corresponding to the display position and a pointer to be placed on the asset operation result graph displayed on the display screen of the operation result screen data to identify the portfolio to be applied by the customer in the change period Transmitting the color / pattern information indicating the color or pattern corresponding to the display position of the pointer in the graph selected as the color or pattern to be transmitted to the input screen generation unit together with the customer identification information of the customer;
The input screen generation unit acquires information indicating the risk and return stored in the reference portfolio storage unit in association with the color / pattern information from the terminal device of the customer, and the acquired risk and return Information and the color / pattern information are stored in the customer portfolio storage unit in association with information indicating the change period of the portfolio and customer identification information of the customer, so that the change period and the customer identification information of the customer are stored. The asset operation simulation apparatus according to claim 1, wherein information indicating the risk and return and the color / pattern information associated with each other in the customer portfolio storage unit are updated. In the customer terminal device, a pointer is arranged on the graph of the asset management result displayed on the display screen of the operation result screen data, and the pointer in the graph selected by the customer as the change period of the portfolio On the graph of the asset management result displayed on the display screen of the operation result screen data, the operation period corresponding to the display position is transmitted to the input screen generation unit together with the customer identification information of the customer as the portfolio change period The color / pattern information indicating the color or pattern corresponding to the display position of the pointer in the graph selected by the customer as the color or pattern for specifying the portfolio to be applied in the change period. As the color / pattern information for identifying the portfolio to be applied in the change period. Transmitted to the input screen generation unit along with the identification information,
When the input screen generation unit receives the information indicating the portfolio change period and the customer identification information of the customer from the customer terminal device, the input screen generation unit displays a message prompting the selection of the portfolio to be applied in the change period. The asset operation simulation apparatus according to claim 6, wherein the asset operation simulation apparatus is displayed on a display screen of the operation result screen data of the apparatus. The customer portfolio storage unit includes customer identification information for identifying a customer, information indicating each operation period in which the customer performs asset management, and a color or pattern for specifying a portfolio of the customer in the operation period Is stored in advance in association with customer identification information for identifying the customer and stored in the customer portfolio storage unit in advance. The color / pattern information for specifying the portfolio in each operation period of the customer is different color / pattern information is included in any one of claims 1 to 7. Asset management simulation equipment. The simulation unit is input with customer identification information and contribution amount of a customer who performs asset management of defined contribution pension, and is stored in the customer portfolio storage unit in association with the input customer identification information and each management period. The asset management simulation apparatus according to claim 1, wherein an asset management simulation of a defined contribution pension is performed based on a risk and return of a portfolio in each management period and the contribution amount. A program for causing a computer to function as the asset management simulation apparatus according to any one of claims 1 to 9.

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