KR100786348B1 - Method of managing money for stock trade and computer-readable medium having thereon program performing function embodying the same - Google Patents

Abstract

The present invention provides a method for managing investment and security of securities investment in a securities trading system that performs securities trading. (A) Money transfer condition information and money transfer condition information for transferring the selling funds related to the user's securities transaction; Acquiring a management condition including transfer account information for transferring the selling funds according to the present invention; (b) acquiring purchase information of the securities product; and (c) obtaining selling information of the securities product. And (d) transferring the selling funds corresponding to the selling information from the user's security account to the account identified by the transfer account information according to the money transfer condition information. It is about a method.

According to the present invention, it is possible to rationally manage the user's securities transaction funds by automatically transferring the selling funds and the like in accordance with a predetermined condition in connection with the user's selling of the securities.

Securities, Shares, Futures, Options, Fund Transfers, Management Conditions, Trading Margins, Sell Payouts, Profit from Partial Returns, Automatic Selling Ratios, Loss Permits, Reference Prices

Description

METHOD OF MANAGING MONEY FOR STOCK TRADE AND COMPUTER-READABLE MEDIUM HAVING THEREON PROGRAM PERFORMING FUNCTION EMBODYING THE SAME}

1 is a flow chart of the securities investment funds and profit management method according to the present invention.

The present invention relates to a computer-readable recording medium recording a securities investment funds and profit management method and a program for realizing the same. The present invention relates to a securities investment fund and a profit management method capable of rationally managing a user's securities transaction funds and a computer readable recording medium having recorded thereon a program for realizing the same.

Although short-term profits may be generated in securities trading such as stocks, futures and options, there are many losses in the long run. These long-term losses are mainly due to the inability to manage rational funds for principals, profits and losses from trading securities. In other words, one of the factors that determine the success of securities investment is how to manage the money efficiently.

Individual investors tend to be short-term traders in stock trading, especially futures and options. As a result, even if profits are generated in the short term, there are cases in which the sales mistake is repeated at any moment, resulting in large losses.

In the case of long-term investment, even if the market price rises or falls in the long run, the price may fluctuate. In many cases, losses accumulate due to inefficient loss management.

Therefore, in some cases, a so-called trading management method using system trading is used to alleviate these disadvantages. System trading is configured to automatically carry out trading if a predetermined condition is met.

For example, an investor who purchases A shares can automatically sell shares in a predetermined quantity or amount if the share price of A shares rises, or if the share price of A shares falls and a certain loss rate occurs, Equity stocks of a specified quantity or amount can be automatically discontinued, or a lower quantity of A stock can be purchased by buying a predetermined quantity at a lower price.

Even if the price changes through the automation of trading through such a system trading, the trading is automatically performed when the predetermined conditions are satisfied, so the investor can always perform the securities investment without having to watch the changes in the stock market.

However, even in the case of using such system trading, in particular, such as buying is carried out at the discretion of the investor. The problem that can arise in this case is the problem of overinvestment due to the investor's desire. In other words, excessive stocks may be used to buy excessive stocks, or all stocks may be bought without appropriately distributing stocks and cash.

Therefore, in the trading of securities such as stocks, futures, and options, efficient fund management is required for spot stock and cash ratios and stock trading.However, in real trading, such funds are managed efficiently through emotional intervention, especially for individual investors. There is a drawback to not doing it.

Therefore, there is a growing need for a method for managing profits and minimizing losses, that is, managing investment risks properly, by efficiently managing securities investment funds or profits from securities investments.

An object of the present invention is to provide a securities investment funds and profit management method that can automatically manage the user's securities trading funds by automatically transferring the selling funds, etc. in accordance with a predetermined condition with respect to the user's selling of securities.

It is another object of the present invention to provide a computer readable recording medium having recorded thereon a program for realizing each step of the security investment fund and profit management method.

In order to achieve the above technical problem, the present invention is a securities investment funds and profit management method in a securities trading system that performs the trading of securities products, (a) transfer funds for sale in connection with the user's securities trading; Obtaining management conditions including transfer account information for transferring the selling funds according to the condition information and the money transfer condition information, (b) acquiring purchase information of the securities product, and (c) the securities Obtaining sell information about the product, and (d) transferring the selling funds corresponding to the selling information from the user's securities account to the account identified by the transfer account information according to the money transfer condition information. Provides securities investment funds and revenue management methods.

 In the securities investment fund and profit management method according to the present invention, the fund transfer condition information may be a condition for transferring a predetermined ratio of the trading profit of the securities product transaction.

In addition, in the securities investment fund and profit management method according to the present invention, the fund transfer condition information may be a condition to transfer a certain percentage of the selling price of the securities commodity transaction.

In addition, in the security investment and profit management method according to the present invention, the step (a) may include (a-1) receiving the management condition from the user terminal of the user.

In addition, in the securities investment fund and profit management method according to the present invention, the step (a) may include receiving (a-2) the management condition obtained from the user.

In addition, in the securities investment fund and profit management method according to the present invention, the step (b) may include (b-1) receiving the purchase information from the user terminal of the user.

In addition, in the method of managing investment and profit of securities according to the present invention, the step (b) may include the step (b-2) if there is no change between the purchase information and the previously stored purchase information. It may further include.

In addition, in the method of managing investment and profit of securities according to the present invention, the step (c) may include (c-1) receiving the selling information from the user terminal of the user.

In addition, in the securities investment funds and profit management method according to the present invention, the management condition further includes selling condition information, the step (c), (c-2) the price of the securities product is the selling condition information If the condition is satisfied, the method may include automatically selling the securities product according to the selling condition information.

In addition, in the security investment and profit management method according to the present invention, the selling condition information is a portion of the profit realized return information that is the target rate of return information to perform automatic selling based on the reference price of the securities product and the price of the securities product When the target rate of return is achieved, automatic selling ratio information, which is a ratio of the securities product to be automatically sold, may be included.

In the securities investment fund and profit management method according to the present invention, the selling condition information further includes loss recognition rate information which is an investment loss recognition rate of the securities product, and the step (c-2) may include (c) -3) if the price of the securities product satisfies the loss recognition rate information, resetting the reference price based on the loss recognition rate information to update the partial profit realized return information; and (c-4) the step The method may further include jumping to (b).

In addition, in the securities investment funds and profit management method according to the present invention, the step (c), (c-5) the quantity of the securities commodity is changed when the automatic selling is performed or by the purchase order of the user In this case, the method may further include updating the partial profit realized return information by resetting the reference price, and (c-6) jumping to the step (b).

In the securities investment fund and profit management method according to the present invention, the management condition further includes the purchase condition information, the step (b), (b-3) the price of the securities commodity of the purchase condition information If the condition is satisfied, the method may include automatically purchasing the securities product according to the purchase condition information, and (b-4) updating the management condition according to the automatic purchase.

In addition, in the securities investment fund and profit management method according to the present invention, the purchase condition information may include a condition for automatically purchasing a certain ratio of the number of the securities commodity when the price of the securities commodity drops.

Further, in the securities investment funds and profit management method according to the present invention, (f) payment of the automatic purchase of some funds from the account identified by the transfer account information to the user's securities account corresponding to the purchase condition information; The method may further include transferring for.

Further, in the securities investment fund and profit management method according to the present invention, the management condition information further includes the number of times of sale of the user, and the step (a-3) is based on the number of times of sale (a-4) The method may further include adjusting the funds transfer rate.

In the securities investment funds and profit management method according to the present invention, the step (d), (d-1) withholding the use of funds to be transferred in accordance with the transfer condition information in response to the selling information; (d-2) determining whether an account transfer is possible with respect to the held funds to be transferred; and (d-3) the funds to be transferred if the account transfer is possible according to the money transfer condition information. And transferring from the securities account of the account to the account identified by the transfer account information.

In the securities investment fund and profit management method according to the present invention, the securities product may include any one or more of stocks, futures, and options.

In addition, the present invention provides a computer-readable recording medium having recorded thereon a program for realizing each step of the method for managing the investment and security of the securities investment according to the present invention.

Hereinafter, with reference to the accompanying drawings, a computer-readable recording medium recording the securities investment funds and profit management method of the present invention and a program for realizing the same will be described in more detail step by step.

1 is a flow chart of the securities investment funds and profit management method according to the present invention.

The securities investment fund and profit management method according to the present invention can be particularly applied to a securities trading system that performs the trading of securities products.

First, in accordance with the user's securities commodity transaction, the management condition including the transfer transfer information to transfer the selling funds and the transfer account information to transfer the selling funds according to the information on the transfer conditions (S110).

The money transfer condition information may be, for example, a condition to transfer a certain percentage of the trading profit of the securities product transaction, or may be a condition to transfer a percentage of the selling price of the securities product transaction.

In the specific implementation of the money transfer condition information, the information may be configured to include information such as profits realized profit rate and automatic selling rate.

Here, the profit realized part is the target return rate to sell automatically, which means that a certain amount of profit is generated compared to the reference price.

The auto sell ratio is a value for automatically selling a certain percentage of the valuation gains if some profits are realized.

The base price is the price for profits for the automatic sale after the sale has been made by achieving a partial profit return, and is the price for updating the partial realized return. Therefore, it can be updated based on the base price change rate.

Fund transfer condition information may also include a loss recognition rate. The loss recognition rate is information for recognizing the loss when the price of the securities commodity falls and thereby realizing partial profits.

In addition, the transfer account information may be any one of the user's MMF or CMA, savings account or savings account. The transfer account is different from the case of using a securities account that is capable of trading and depositing securities, in particular, in that it is not a securities account for trading securities.

A securities product can be one or more of stocks, futures and options, and can set management conditions, especially in relation to a number of stocks. For example, in the case of stocks, fund transfer condition information and the transfer account may be set identically for each item, and in the case of futures or options, the transfer condition information and transfer account may be set differently from the case of stocks.

In addition, such a management condition is preferably set by the user using his terminal. That is, when the securities investment fund and the profit management method according to the present invention are implemented in the securities trading system, it is possible to directly set the management conditions through an appropriate user interface. Alternatively, a user may visit a branch office of a securities company, and may set a management condition suitable for himself / herself through consultation and input it in the securities trading system operation side.

Thereafter, the purchase information of the securities product is obtained (S120).

The acquisition of such purchase information is performed by, for example, receiving information on the securities goods purchased by the user from the user's terminal.

Thereafter, the seller acquires the selling information on the securities product (S130).

Acquisition of the selling information is performed by, for example, receiving information on the securities sold by the user from the user's terminal.

Alternatively, if the automatic selling is possible through the securities investment fund and profit management method according to the present invention instead of the user, that is, if the management condition is to perform the automatic selling further including selling condition information for automatic selling, Acquisition may be obtained by automatically selling and receiving the securities product according to the selling condition information if the price of the designated securities product meets the conditions of the selling condition information.

The selling condition information may include, for example, a portion of the profit realized return information, which is the target rate of return information to perform an automatic sale based on the reference price of the securities product, and an automatic sell rate, which is the ratio of the securities product to be sold automatically when the price of the securities product achieves the target yield. It can be configured to include information.

The selling condition information may further include loss recognition rate information which is an investment loss recognition rate of the securities product. In this case, when the price of the securities product satisfies the loss recognition rate information, it is preferable to reset the reference price based on the loss recognition rate information to update the profit part realized return information.

When the quantity of the securities commodity under management is changed by the securities investment fund and the profit management method according to the present invention by such an automatic selling or the purchase order of the user, it is configured to update the reference part realization yield information by resetting the reference price. This is possible.

If such an update has been made, it is configured to jump to step S120 again to obtain information about a subsequent transaction of the user.

The management condition may further include purchase condition information.

The purchase condition information is a condition for automatically purchasing a certain percentage of the amount of the securities product when the price of the securities product drops by a certain percentage, and may be performed, for example, to adjust the investment price due to the loss.

In this case, in step S120 of acquiring the purchase information, if the price of the securities product meets the conditions of the purchase condition information, the securities product may be automatically purchased according to the purchase condition information.

In this case, if the funds of the securities account is insufficient, it may be configured to perform the payment of the automatic purchase by transferring the money from the account identified by the transfer account information in advance to the user's securities account.

In addition, the management condition may further include information on the number of sales. In particular, the fund transfer condition information is updated based on the number of times the loss occurs in the number of sales, and in the case of excessive loss, it is configured to change the details of the transfer of money.

Thereafter, the selling funds corresponding to the selling information are transferred from the user's security account to the account identified by the transfer account information according to the money transfer condition information (S140).

Generally, the settlement of funds on sale is carried out after 2-3 days. Therefore, in the meantime, the amount to be transferred from the funds for sale must be withheld.

Therefore, in this step, after the use of funds to be transferred according to the money transfer condition information is withheld in response to the selling information, it is checked whether the transfer of funds can be carried out, and the transfer account from the user's securities account according to the money transfer condition information. It can be configured to transfer to the account identified by the information.

Of course, if the balance of the user's securities account is sufficient and there is no need to perform such a hold, the transfer can be executed immediately.

Hereinafter, specific examples of the securities investment fund and the profit management method according to the present invention will be described.

(1) In the case where the sale and the purchase are performed only by the user's order without the automatic sale or the automatic purchase, the fund transfer condition information is to transfer 20% of the selling profit to the transfer account, and the transfer account is the user's MMF account.

For example, suppose that an investment amount of 10,000,000 won is assumed and 990 shares are purchased for the amount A in the order of 10,000 won per share by the user's order. In this case, if the price of item A rises from 10,000 won per share to 11,000 won per share, and the user sells 500 shares for 11,000 won, the selling price is 5,500,000 won and the cost of commissions and taxes is 10,000 won. In this case, the gains from the sale of 500 shares would be about 490,000 won.

In this case, since the condition is set to automatically transfer 20% of the sale profits to the user's MMF account, 98,000 won, which is 20% of 49,000 won, is automatically transferred to the MMF account. However, it usually takes two to three days to actually settle the selling price, so the amount of 98,000 won, which is the amount to be transferred for the transfer of 98,000 won, cannot be used to buy other stocks, and when the settlement is completed and transfer is possible, Transfer to your MMF account.

In this case, if the user sold the remaining 490 shares at W10,500 due to the share price drop, the gains from the sale would be W240,000 assuming the cost of selling at 5,000 won. In this case, 48,000 won (20% of the sale profit of 240,000 won) is automatically transferred to the MMF account. Similarly, the amount to be transferred is withheld until the actual settlement.

In case of trading A on the user's discretion two times, the transfer account was transferred to KRW 146,000, and the securities product account remained at the balance of about KRW 10,480,000 including the gains and losses. It is configured to be.

(2) Selling and buying is performed only by the user's order without automatic selling or automatic buying, where the information on the condition of the transfer of funds transfers 10% of the selling money to the transfer account when the profit from the investment occurs and the loss occurs. If you want to transfer 0.5% of the principal of the selling price to the transfer account, the transfer account is your CMA account

For example, suppose that an investment amount of 10,000,000 won is assumed and 990 shares are purchased for the amount A in the order of 10,000 won per share by the user's order. In this case, if the price of item A increases from 10,000 won per share to 11,000 per share, and the user sells 500 shares for 11,000 won, the selling price will be 5,500,000 won.

In this case, since the condition is set to automatically transfer 10% of the selling price to the user's CMA account, the ₩ 550,000 is automatically transferred to the CMA account. However, it usually takes two to three days to actually settle the selling price. Therefore, the amount to be transferred for this transfer is 550,000 won, so it cannot be used to buy other stocks. When the settlement is completed and transfer is possible, it is transferred to the CMA account. Transfer

In this case, if the user sold the remaining 490 shares at W9,500 due to the share price drop, the selling price would be W4,655,000. In this case, a loss occurred, so about 23,000 won (0.5% of the principal) is automatically transferred to the CMA account. Similarly, the amount to be transferred is withheld until the actual settlement.

(3) In the case of automatic selling according to the selling condition setting, the information on the condition of transfer of funds transfers 20% of the selling profit to the transfer account in case of selling by the user's selling order, and in case of selling by automatic selling, the full selling price is sold. Transfer money to a transfer account, which is your savings account.

For example, suppose that you invest an investment of KRW 10,000,000 and buy 990 shares for item A at KRW 10,000 per share by your order. In this case, let's assume that the selling condition is to set the profit partially realized return to 20%, the automatic selling rate to 20%, and the base price change rate to 70%.

If the stock price of item A exceeds W12,000, it satisfies some profit-taking rate of return. In this case, 30 shares (33 shares or 30 shares due to company-in-sale on the sale unit) corresponding to 20% (398,000 won) of the valuation profit amount (KRW 1,980,000) are automatically sold according to the automatic selling rate. It is transferred to your savings account. In this case, the selling price is withheld until the actual settlement.

In addition, once the automatic selling is conducted, the balance of the A stock is 960 shares. In this case, the base price for calculating the partial return on profits of the remaining 960 shares is 1,400 won, which is 70% of the difference of 2,000 won from the previous purchase price of 10,000 won, which is the price sold by the partial profit return. Is updated to become the base price for subsequent automatic selling.

Similarly, if the share price rises again to more than 13,680 won (the price of 20%, which is the profit realized part of the profit from the updated base price of 11,400, again), 20% (437,760) of the valuation income Thirty weeks (included by 10-week trading) are automatically sold and transferred to the user's savings account, except for expenses. In this case, the selling price is withheld until the actual settlement.

In this case, when the sale is performed by the user's order, only 20% of the gains and losses may be transferred to the user's savings account.

For example, if the stock price falls while there are 930 shares remaining, and the remaining 930 shares were sold entirely to the amount of 13,000 won by the user's selling order, profits of 2.79 million won are generated from the initial purchase amount of 930 shares, which is 9,300,000 won. About 550,000 won, 20% of this amount, is transferred to the user's savings account. In this case, the selling price is withheld until the actual settlement.

(4) In the case of adjustment of reference price due to loss

In cases (1) to (3), the explanation is mainly based on the case of profit realization, but it can be assumed that a loss occurs rather than a profit. For example, suppose that the investment principal of 10,000,000 won is bought and 990 shares are purchased for 10,000 won per share by the user's order. In this case, if the valuation of item A is more than the loss recognition rate at any moment, the partial profit realized return and the automatic selling rate may be updated.

For example, the loss recognition rate may be set to 5 to 20% for stocks, 3 to 8% for futures, and 10 to 50% for options. In this case, the base price for calculating the partial profit-return rate and the automatic selling rate is lowered by a certain percentage of the loss recognition rate (50 to 80% recommended as an adjustment rate, user selection).

This is different from the method of adjusting the selling price at the time of the rise in price, in order to avoid losses in case of falling more than a certain level and to rationally manage investment funds.

For example, suppose the loss recognition rate is set to 10% and the adjustment rate is set to 50%. In this case, if the price of item A is 9,000 won, the base price for calculating the partial profit rate of return and automatic selling ratio is 9,500 won, considering the 50% adjustment rate. Therefore, if the rate of return exceeds 9%, the shares corresponding to 20% of the amount are automatically sold and transferred to the user's transfer account. In addition, as the price has risen by a certain level, the reference price for calculating the profit realization rate of return is adjusted again.

(5) A case where the automatic purchase is possible according to the purchase condition setting, and the transfer of the amount is made possible for payment by the automatic purchase from the user's saving type deposit account.

In this case, suppose that 10,000,000 won is deposited in the user's savings account and 10,000,000 won is deposited in the user's stock trading account. Suppose you buy 990 shares for a share of A in an invested amount of 10,000,000 won in a securities trading account at 10,000 won per share by your order. In this case, suppose the purchase condition is to automatically buy 10% of the stock based on a 20% loss rate.

If the price of item A is less than 8,000 won, the loss rate is satisfied. In this case, 90 shares will be automatically purchased from 99 shares, which are 10% of 990 shares in the A stock, depending on the automatic purchase rate. In this case, if the funds of the securities account for liquidation is insufficient, the user's savings deposit account is automatically transferred to the securities account. In this case, since the purchase price of the entire item A is lowered, the information on the condition for transferring funds mentioned above (1) to (4) may be updated accordingly. For example, the reference price, which is the basis for some profit realization rates, is also updated by additional purchases.

(6) The management condition may further include the continued trading information of the user. For example, if the sale is repeated four times, if the four consecutive losses are repeated, or if seven or more losses are sold out of the ten sales, the transfer condition information is adjusted accordingly. In other words, if the loss is sold, the transfer rate of funds can be adjusted to be higher or lower. Alternatively, the rate of transfer of funds can be adjusted even if a profit is generated.

(7) Others (1) to (6) are explained on the basis of stock trading, but the same applies to futures and options.

In addition, the present invention provides a computer-readable recording medium having recorded thereon a program for realizing each step of the method for managing the investment and security of the securities investment according to the present invention. However, the description of such a recording medium is omitted because it overlaps with the securities investment fund and profit management method according to the present invention described with reference to FIG.

Although the configuration of the present invention has been described in detail, it is only for illustrating the present invention, and the protection scope of the present invention is not limited thereto, and the protection scope of the present invention is defined through the description of the claims.

As described above, according to the present invention, when applied in the securities trading system that performs the trading of securities products, the funds for the user's securities trading are automatically transferred by transferring the selling funds or the like according to the predetermined condition in connection with the user's selling of securities. It can be managed reasonably.

Claims (20)

A method of managing investment and securities of securities investment in a securities trading system that performs securities trading; (a) acquiring a management condition including money transfer condition information for transferring the selling funds in connection with a user's trading of securities goods and transfer account information for transferring the selling funds according to the money transfer condition information; (b) obtaining purchase information of the securities product; (c) obtaining sell information for the securities product; (d) transferring the selling funds corresponding to the selling information from the user's securities account to the account identified by the transfer account information according to the money transfer condition information; Securities investment funds and revenue management method comprising a. The method of claim 1, The fund transfer condition information is a condition for transferring a certain percentage of the trading profit of the securities product transaction. The method of claim 1, The fund transfer condition information is a condition for transferring a certain percentage of the selling price of the securities product transaction. According to claim 1, wherein step (a) is, (a-1) receiving the management condition from the user terminal of the user Securities investment fund and revenue management method comprising a. According to claim 1, wherein step (a) is, (a-2) receiving the management condition acquired from the user Securities investment fund and revenue management method comprising a. The method of claim 1, wherein step (b) (b-1) receiving the quantity information from the user terminal of the user Securities investment fund and revenue management method comprising a. The method of claim 1, wherein step (b) (b-2) step of jumping to step (c) if there is no change between the number of pieces of information and the number of pieces of previously stored information; It further comprises a securities investment fund and revenue management method. The method of claim 1, wherein step (c) comprises: (c-1) receiving the selling information from the user terminal of the user Securities investment fund and revenue management method comprising a. The method of claim 1, The management condition further includes selling condition information, Step (c) is, (c-2) automatically selling the securities product according to the selling condition information when the price of the securities product satisfies the condition of the selling condition information; Securities investment fund and revenue management method comprising a. The method of claim 9, The selling condition information is partial profit return information, which is target profit rate information for performing automatic selling based on the reference price of the securities product, and a ratio of the securities product to be sold automatically when the price of the securities product achieves the target yield. Securities investment funds and revenue management method comprising the information of the automatic sell rate. The method of claim 9, The selling condition information further includes loss recognition rate information which is an investment loss recognition rate of the securities product. Step (c-2) is, (c-3) if the price of the security product satisfies the loss recognition rate information, resetting the reference price based on the loss recognition rate information to update the partial profit realized return information; (c-4) jumping to step (b) It further comprises a securities investment fund and revenue management method. The method of claim 9, wherein step (c) comprises (c-5) updating the partial profit realized return information by resetting the reference price when the automatic selling is performed or when the quantity of the securities product is changed by the purchase order of the user; (c-6) jumping to step (b) It further comprises a securities investment fund and revenue management method. The method of claim 1, The management condition further includes purchase condition information, Step (b) is, (b-3) automatically buying the securities product according to the purchase condition information if the price of the securities product meets the conditions of the purchase condition information; (b-4) updating the management condition according to the automatic number of copies Securities investment fund and revenue management method comprising a. The method of claim 13, The purchase condition information includes a condition for automatically purchasing a certain percentage of the number of the securities commodity when the price of the securities commodity drops by a certain percentage. The method of claim 13, (f) transferring some funds from the account identified by the transfer account information to the user's securities account for settlement of the automatic purchase in response to the purchase condition information; It further comprises a securities investment fund and revenue management method. The method of claim 1, The management condition further includes the number of sales of the user, Step (a) is, (a-4) adjusting the rate of transfer of funds based on the number of sales It further comprises a securities investment fund and revenue management method. The method of claim 1, wherein step (d) (d-1) suspending the use of funds to be transferred in accordance with the funds transfer condition information in response to the selling information; (d-2) determining whether a bank transfer is possible for the held funds to be transferred; (d-3) transferring the funds to be transferred from the securities account of the user to the account identified by the transfer account information according to the money transfer condition information if the account transfer is possible; Securities investment funds and revenue management method comprising a. The method of claim 1, The account identified by the transfer account information comprises any one of MMF or CMA or savings account or savings account. The method of claim 1, Wherein the securities product comprises any one or more of stocks, futures, and options. 20. A computer-readable recording medium having recorded thereon a program for realizing each step of the securities investment fund and profit management method according to any one of claims 1 to 19.

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