KR101013000B1 - Accumulated fund management system and accumulated fund management method thereof - Google Patents

Abstract

PURPOSE: A save fund operation and a save fund operation system are provided to investigate much more amount if a reference criteria price of funds is cheap. CONSTITUTION: An information storage unit(120) stores an investment fund type by a client, a maximum investment amount per month by a client and investment type condition by a client. Based on payment data in every month, a comparison and calculation unit(130) compares an average buying cost and fund buying reference cost of the investigating fund. According to the comparing result of a comparing calculation unit, an operating control unit(140) operates the maximum investing amount.

Description

Accumulated Fund Management System and its Accumulated Fund Management Method {ACCUMULATED FUND MANAGEMENT SYSTEM AND ACCUMULATED FUND MANAGEMENT METHOD THEREOF}

The present invention relates to a reserve fund management system and a method of operating a reserve fund, specifically a reserve fund management system for investing a differential ratio of the maximum investment amount in the fund according to the fund base price of the date of the payment of the investment amount and the fund thereof It is about how to manage the fund.

Various financial products are provided for various fund demands and wealth accumulation. Among them, banks are widely known for savings, deposits, stock trading and bond trading through direct investment, and reserve funds through indirect investment. Among these, savings and bonds can be invested in a stable manner. However, the profit margins are falling due to the steady decline in interest rates.

In the case of stock trading, investors should realize profits through continuous analysis of stocks to invest and various peripheral data, but there is a problem that they cannot be a stable investment target due to lack of data and lack of experience provided to the general public.

In order to solve this problem, as a kind of indirect investment method, there is a demand for a variety of fund-type funds that accumulate a certain amount of funds every month to professional investors and raise money according to the operation of the funds of professional investors.

However, even in this case, the reserve fund customers invest a certain amount each month, so the investment amount is small compared to the fixed-investment investment in the market. In other words, even if the fund's base price increases and decreases during the investment period, a certain amount of investment is invested.

An object of the present invention is to solve the above-mentioned problems, by providing a fund management system and a fund management method that can represent an excellent rate of return compared to the cumulative investment by investing a differential amount in the fund based on the purchase price of the fund will be.

In addition, it is another object to provide a fund management system and a fund management method that can increase the return rate by investing differential amounts in funds and savings based on the purchase price of the fund at the customer's choice.

One aspect of the present invention for achieving the above technical problem relates to a method of operating a fund fund. The earned fund operating method of the present invention comprises the steps of inputting the investment fund type, the maximum investment amount per month for each customer and the investment method conditions for each customer for the investment product through a user terminal or a sales terminal terminal; Calculating and comparing an average purchase price and a purchase base price of the investment fund based on a payment date of the investment amount; If the purchase price of the investment fund exceeds the amount corresponding to the reference rate set by the customer in the average purchase price, investing only the minimum investment amount of the reference rate set by the investor of the maximum investment amount in the investment fund; It is characterized by including.

According to one embodiment, the remaining investment amount not invested in the investment fund except the minimum investment amount of the base rate set by the investor of the maximum investment amount to be held in cash or invested in ultra-short-term financial products until the next payment date. Can be.

According to an embodiment, when the purchase price of the investment fund is less than the amount corresponding to the reference ratio set by the investor in the average purchase price, the maximum investment amount and the remaining investment amount not invested in the investment fund in the following month are together. The method may further include investing in an investment fund.

According to an embodiment, the remaining investment amount, which is not invested in the investment fund except for the minimum investment amount of the reference ratio set by the investor of the maximum investment amount, may be further invested in the savings product set by the investment method conditions for each customer. It may include.

According to an embodiment of the present disclosure, if the purchase price of the investment fund is less than the amount corresponding to the reference rate set by the investor in the average purchase price, the minimum investment amount of the reference rate set by the investor of the maximum investment amount is invested in the savings product. And investing the remaining investment amount in the investment fund.

According to an embodiment of the present invention, a reference ratio set by an investor in the average purchase price to the purchase price of the investment fund may be divided into a plurality of sections through the investment method conditions for each customer, and the maximum per each of the divided plurality of sections. The amount of investment compared to the amount of investment can be determined.

On the other hand, the object of the present invention may be achieved by a fund fund management system. Accumulated fund management system of the present invention includes an information storage unit for storing the customer investment fund type, the maximum investment amount per month and the customer investment method conditions for the investment product entered through the user terminal or sales terminal terminal; A comparison calculation unit which calculates and compares an average purchase price and a fund purchase base price of the investment fund based on the payment date of the customer; As a result of comparison of the comparison calculation unit, when the purchase base price of the investment fund exceeds the amount corresponding to the base rate set by the customer at the average purchase price, only the minimum investment amount of the base rate set by the investor among the maximum investment amounts And an operation control unit for operating the investment amount to invest in the fund.

According to an embodiment of the present invention, the investment condition for each customer includes selecting at least one of a method of investing the maximum investment amount only in an investment fund and an investment method together with an investment fund and a savings product.

According to an embodiment of the present disclosure, when the investment method condition for each customer is a method of investing together in an investment fund and the savings product, the operation control unit may include the investment excluding the minimum investment amount of the reference ratio set by the investor from the maximum investment amount. The remaining amount of investment that is not invested in the fund can be invested in savings products established by the customer's investment method condition.

According to an embodiment, when the purchase base price of the investment fund is less than an amount corresponding to the base rate set by the investor in the average purchase price, the operation control unit may set a minimum investment amount of the base rate set by the investor among the maximum investment amounts. May be invested in savings products and the remaining investment may be invested in the investment fund.

According to an embodiment of the present disclosure, when the customer desires to invest more than the maximum investment amount set through the customer-specific investment method conditions, the operation control unit determines that the purchase standard price of the investment fund is set by the customer at the average purchase price. If it is less than the amount corresponding to the standard ratio, it is possible to invest in the investment fund an excess amount of the ratio set by the customer in excess of the maximum investment amount.

Accumulated fund management system according to the present invention is operated to invest more than a small amount when the reference price is low according to the reference price of the fund, so that it is possible to maximize the return rate compared to the conventional investment Indicates.

In addition, according to the customer's choice can be invested in different ratios in the savings and funds in accordance with the base price of the fund, thereby showing the effect of satisfying the stability and return.

1 is a schematic diagram schematically showing the configuration of the earned fund management system of the present invention,
Figure 2 is a flow chart schematically showing a fund management method of the fund-funded fund management system of the present invention,
Figure 3 is a schematic diagram showing the flow of the investment amount of the customer by the earned fund management system of the present invention,
Figure 4 is a flow chart illustrating a fund management method according to an embodiment of the earned fund management system of the present invention,
5 is a graph comparing the return rate according to the fund management method of FIG.
Figure 6 is a flow chart illustrating a fund management method according to another embodiment of the earned fund management system of the present invention,
7 is a graph comparing the return rate according to the fund management method of FIG.
8 is a diagram illustrating a fund management method according to another embodiment of the earned fund management system of the present invention;
9 is a graph comparing the return rate according to the fund management method of FIG.
10 is a flow chart illustrating a fund management method according to another embodiment of the earned fund management system of the present invention;
11 is a graph comparing the return rate according to the fund management method of FIG.
12 is a diagram schematically showing a fund management method according to another embodiment of the earned fund management system of the present invention.

In order to fully understand the present invention, preferred embodiments of the present invention will be described with reference to the accompanying drawings. Embodiment of the present invention may be modified in various forms, the scope of the invention should not be construed as limited to the embodiments described in detail below. This embodiment is provided to more completely explain the present invention to those skilled in the art. Therefore, the shape of the elements in the drawings and the like may be exaggerated to emphasize a more clear description. It should be noted that the same members in each drawing are sometimes shown with the same reference numerals. Detailed descriptions of well-known functions and constructions which may be unnecessarily obscured by the gist of the present invention are omitted.

1 is a schematic diagram schematically showing the overall configuration of the earned fund management system 100 according to the present invention, Figure 2 is a flow chart illustrating a fund operating method of the earned fund management system 100 according to the present invention.

The fund-based fund management system 100 according to the present invention compares the fund purchase base price with the average purchase price of the fund based on the date of the fund delivery, so that when the purchase base price is lower than the average purchase price, more than the maximum investment amount is invested in the fund. If the purchase price exceeds the average purchase price, only a certain percentage of the maximum investment is invested in the fund.

Herein, the funds operated in the fund-type fund management system 100 according to the present invention include all equity funds, including mixed funds, bond funds, hedge funds, real estate funds, oil funds and gold funds that invest together in stocks and bonds. Applicable to types of funds.

To this end, the fund-funded fund management system 100 according to the present invention communicates with the user terminal 10 or the branch terminal 20 and receives an external interface 110 and an external interface 110 that receives the contract contents for the investment fund of the customer. The information storage unit 120, which stores the contents of the customer's contract and the fund-related data received from the Securities Depository (30) and the Asset Management Company (40), and the purchase price and average purchase price of the fund due date Comparing calculation unit 130 for calculating and comparing each, and the operation control unit 140 for calculating and investing the fund investment amount relative to the maximum investment amount of the customer according to the comparison result of the comparison calculation unit 130.

The external interface 110 communicates with the user terminal 10 and the branch terminal 20 through the Internet 50 or the mobile communication network 40 to receive contract information and fund investment conditions input by the customer. Here, the user terminal 10 includes all of a laptop, PDA, desktop computer and smartphone, etc., the branch office terminal 20 includes a terminal provided in a separate branch of each fund management company.

The customer directly enters through the user terminal 10 or consults with a branch salesperson through the branch terminal 20, after understanding the fund management method of the fund management system 100 according to the present invention and writes a contract. At this time, the customer through the operation control unit 140 through the contract provided in the user terminal 10 or the branch of the type of funds, the maximum investment amount to be invested in each fund, whether or not to invest together in the fund and savings and Select fund investment conditions, such as whether to invest in excess of the maximum investment amount.

The contract details and the fund investment conditions entered by the customer are transferred to the fund-funded fund management system 100 through the external interface 110, and the transferred contents are stored in the information storage unit 120. The information storage unit 120 may be classified according to the information content and stored in a separate database.

Meanwhile, the external interface 110 communicates with the asset management company 40 and the Securities Depository 30 through the Internet 50 and receives a daily fund purchase reference price for various types of funds. The fund purchase reference value for each fund received is transmitted to the information storage unit 120 and the comparison calculation unit 130.

The comparison calculation unit 130 compares the fund purchase standard value received through the external interface 110 with the average purchase price under the control of the operation control unit 140 and informs the operation control unit 140 of the comparison result. Since the purchase price may vary depending on the daily and purchase time, it is preferable to calculate the time period.

The operation control unit 140 calculates an investment amount compared to the maximum investment amount specified by the customer based on a comparison result of the fund purchase base price and the average purchase price calculated by the comparison calculation unit 130 to allow the investor to invest in the fund.

The fund management method of the operation control unit 140 will be described with reference to FIG. First, when the customer's investment product and investment conditions and the maximum investment amount are input through the user terminal 10 and the branch terminal 20 (S110), the input customer investment information is stored in the information storage unit 120.

When the delivery date of the customer arrives, the average purchase price and the purchase base price of the investment fund are calculated by the comparison calculation unit 130 based on the delivery date (S120). The operation control unit 140 calculates the investment amount compared to the maximum investment amount according to the comparison between the average purchase price and the fund base price according to whether the fund base price exceeds the average purchase price (S130) and whether the customer invests only in the fund (S140). .

In other words, if the fund base price exceeds the average purchase price and the customer wishes to invest only in the fund, only a certain percentage of the maximum investment is invested in the fund and the remaining amount is held in cash or an ultra-short-term financial instrument such as MMF or MMDA. To invest in (S150).

On the other hand, if the fund base price exceeds the average purchase price, and the customer wants to invest in the fund and the reserves, a certain percentage of the maximum investment is invested in the fund, and the remaining amount is accumulated in the reserves (S160). ).

On the other hand, if the fund base price is less than the average purchase price, and the customer wants to invest only in the fund, the entire maximum investment amount and the remaining cash portion carried forward are invested in the fund together (S180).

If the fund base price is less than the average purchase price, and the customer wishes to invest in the fund and the savings, the predetermined amount of the maximum investment amount is invested in the savings and the remaining amount is accumulated in the savings (S190). .

3 is a schematic diagram showing the investment flow of the investment amount based on the customer's account. As shown, the maximum investment amount set by the customer is deposited to the fund manager's bank account 220 on the payment basis date, that is, the reservation transfer date, based on the customer's bankbook 210. After the investment amount is deposited into the manager's bank account 220, when the fund's base price is less than the average purchase price, the maximum investment amount deposited into the manager's bank account 220 is all accumulated bank account 230. Will be deposited.

On the other hand, if the fund base price exceeds the average purchase price as a result of the calculation unit 130, only a certain percentage of the maximum investment amount is deposited into the fund-funded fund bank 230 and invested in the fund. The same short-term product 240 is invested or stored in the savings account 250 according to the customer's choice. The amount invested in the short term product 240 is deposited with interest to the manager's bank account 220 on the next payment date.

Here, a plurality of savings and funds may be set on the basis of the manager deposit account 220. That is, when a customer joins a plurality of funds and savings, the investment amount is controlled to be invested in the savings and funds selected by the customer.

 Hereinafter, in order to explain in more detail the fund management method of the operation control unit 140, the fund operation method and operation results for each individual condition described above will be described with reference to the drawings.

First, FIG. 4 is a flowchart illustrating a method of operating the fund-funded fund management system 100 when the customer selects to invest within the maximum investment amount only in the fund as a contract condition.

As shown, the operation control unit 140 compares the fund base price and the average purchase price of the fund to determine whether the fund base price exceeds 90% of the average purchase price (S210). Here, the ratio of the average purchase price compared to the average purchase price may be determined by the customer or the operation control unit 140.

If the fund base price exceeds 90% of the average purchase price, only 75% of the maximum investment amount set by the customer is invested in the fund, and the remaining amount is held in cash or invested in ultra-short-term financial products until the next month (S220). ). In other words, if the customer sets 1 million won as the maximum investment amount, 750,000 won will be invested in the fund and the remaining 250,000 won will be held in cash.

On the other hand, if the fund base price is less than 90% of the average purchase price, the total investment amount set by the customer is invested in the fund, and the remaining amount carried over the following month is also invested in the fund. In other words, if the maximum investment amount is 1 million won, the fund will be invested together with 1.25 million won, including 1 million won deposited on the due date of this month and 250,000 won carried over the following month. At this time, if the fund base price exceeds 90% of the average purchase price for three consecutive months and the fund base price is less than 90% of the average purchase price for the fourth month, the total amount invested in the fund is 1.75 million won.

In this case, the amount carried through the short-term financial instruments out of the amount carried over to the following month is also invested in the fund.

FIG. 5 is a graph showing the results of the simulation of the yield when the operating method according to the method of operating the accumulated fund of the present invention shown in FIG. 4 is applied to the stock-type fund, compared with the conventional fund-type fund that invests semen monthly in the fund.

Here, the yellow graph is a graph showing the KOSPI index, the purple graph is a graph showing the return rate when investing a fixed amount in the conventional fund every month, the red graph is the fund base price and the average purchase according to the method of operating the accumulated funds of the present invention It is a graph showing the rate of return when the amount of money is invested differentially by comparing 90% of the unit price. In addition, the chart shown below is a chart comparing the returns with the conventional investment in conventional reserves.

As shown in the figure, when the stock market continues to rise, the accumulated fund management method of the present invention is inferior to the conventional accumulated fund management method. It can be seen that it is superior.

In other words, the method of operating the reserve fund of the present invention divides the amount of funds into the fund every month and seeks the stability of the profit, while investing more when the base price of the fund is low and investing less when the base price of the fund is high. Maximizes the effect.

 On the other hand, Figure 6 is a flow chart illustrating a method of operating the earned fund management system 100 when the customer selected as possible to invest in excess of the maximum investment amount of the fund only as a contract condition.

As shown, in this case, the fund base price is compared with the average purchase price of the fund (S240). If the fund base price exceeds the average purchase price, only 75% of the maximum investment is invested in the fund (S250), and the fund base price is the average purchase price. If it is lower than the unit price, it is operated to invest 125% of the maximum investment in the fund.

In other words, in this case, if the fund base price is lower than the average purchase price based on the fund base price and the average purchase price, the customer invests more money to maximize the yield. Accordingly, if the maximum investment amount is set at 1 million won, if the fund base price is lower than the average purchase price for 3 months, the customer will invest 1.5 million won per month in the fund.

FIG. 7 is a graph comparing a conventional fund investment method and a return rate of investing a fixed amount in the case of operating a fund fund according to the investment management method described above.

As shown in this case, it can be seen that the accumulated fund management method according to the present invention shows an advantage over the conventional funded investment method for investing fixed amount in terms of yield in all sections during the simulation period.

8 is a diagram illustrating a case where the fund base price and the average purchase price are divided into a plurality of sections, and an investment amount is set for each section. That is, in FIG. 4 and FIG. 6, the investment amount is set by dividing into two sections. However, the investment amount may be set by dividing into a plurality of sections as shown in FIG. 8.

In this case, if the fund base price is less than 90% of the average purchase price (section A), invest 125% of the maximum investment amount, and if the fund base price is within 90 ~ 110% of the average purchase price (section B), 100 of the maximum investment amount If the fund base price exceeds 110% of the average purchase price (section C), only 75% of the maximum investment can be invested.

Here, the comparison interval between the fund base price and the average purchase price may be determined by each customer, and the customer may determine the ratio of the investment amount for each comparison interval.

FIG. 9 is a graph comparing the operation method of the conventional securities accumulation method and the return rate in the case of investing an investment amount by dividing the investment into a plurality of sections as shown in FIG. 8.

As shown, even in this case, the yield of the fund management method according to the present invention is almost 2.9% superior in almost all areas.

On the other hand, Figure 10 is a flow chart illustrating a method of operating the earned fund management system 100 when the customer chooses to invest in the range of the maximum investment amount to be distributed to the fund and savings as a contract condition.

In this case, when the fund base price is lower than the average purchase price, the operation control unit 140 distributes the maximum investment amount to the fund and the reserve by a ratio of 6: 4 (S320), and the fund base price exceeds the average purchase price. The fund and the reserves are managed to be dispersed in a ratio of 4: 6 (S330).

In other words, if the base price of the fund is low, the investment is made at a higher rate in the fund with higher yield, and if the base price of the fund is high, the investment is made at a higher rate in the stable savings.

At this point, the client can determine the rate of investment in the fund and savings. In other words, the distribution ratio of the fund and the savings can be selected in a ratio of 7: 3, 6: 4, and the like, respectively.

In addition, as described above, it may be possible to invest in funds and savings in excess of the maximum investment amount. For example, if the fund base price is lower than the average purchase price, you may want to make a 9: 3 investment in the fund and the savings.

Meanwhile, FIG. 11 is a graph comparing the yield according to the method of operating the accumulated fund of the present invention shown in FIG. 10 with the yield of the conventional fixed accumulation fund operating method (a method in which the fund and the savings are distributed in a ratio of 5: 5). to be.

As shown, if the domestic stock market continues to rise, the fund management method of the present invention is inferior to the conventional fund management method. In other words, if the stock market is not a steady market, it can be expected to be effective in terms of yield.

FIG. 12 is a diagram illustrating a case where a diversified investment method in the fund and the savings shown in FIG. 11 is divided into a plurality of sections to be invested.

As shown, the client invests the fund and savings at a ratio of 6: 4 when the fund base price is less than 90% of the average purchase price (section D) and when the fund base price is in the range of 90-110% of the average purchase price ( Segment E) Invest funds and savings at a ratio of 5: 5 and invest funds and savings at a ratio of 4: 6 when the fund base price exceeds 110% of the average purchase price (section F).

Here, the method of operating a reserve fund according to the present invention includes a method of investing in a fund and a stock as shown in Figures 10 and 12, respectively, in addition to the investment in a plurality of different types of funds in addition to each other It can also be operated. In other words, the fund base price of a plurality of funds may be calculated and operated to invest more investment amount in the lower fund base price.

As described above, the earned fund management system according to the present invention is operated to invest more money when the reference price is cheaper and less when it is expensive according to the reference price of the fund, thus maximizing the return rate when investing the fixed price. It shows the effect that can be done.

In addition, according to the customer's choice can be invested in different ratios in the savings and funds in accordance with the base price of the fund, thereby showing the effect of satisfying the stability and return.

The embodiment of the earned fund management system and its fund management method of the present invention described above is merely exemplary, and those skilled in the art to which the present invention pertains various modifications and other equivalent embodiments therefrom You can see that it is possible. Therefore, it will be understood that the present invention is not limited to the forms mentioned in the above detailed description. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims. It is also to be understood that the present invention includes all modifications, equivalents, and substitutes within the spirit and scope of the invention as defined by the appended claims.

100: Fund Management System
110: external interface
120: information storage unit
130: comparison calculation
140: operation control unit

Claims (11)

delete delete delete delete delete delete In the fund management system,
An information storage unit for storing the customer investment fund type, the maximum investment amount per month, and the investment method conditions for each customer for the investment product inputted through the user terminal or the branch terminal;
A comparison calculation unit which calculates and compares an average purchase price and a fund purchase base price of the investment fund based on a monthly payment date of a customer; And
And an operation control unit for operating the maximum investment amount according to the comparison result of the comparison calculation unit.
The investment method condition for each customer is a method in which the maximum investment amount is invested together in an investment fund and a savings product.
The operation control unit, based on a comparison result calculated by the comparison calculation unit based on the monthly payment date, the ratio (F) to invest in the investment fund and the savings product if the purchase base price of the investment fund is lower than the average purchase price Invest every month by spreading the maximum investment amount so that the ratio (I) to invest in the capital is F> I (F + I = 1), and if the purchase price of the investment fund exceeds the average purchase price, invest in the investment fund. The maximum investment amount is distributed monthly so that the ratio (F) and the ratio (I) to invest in the savings product are F <I (F + I = 1), and the purchase base price and the average purchase price of the investment fund If the same, the maximum investment amount is distributed monthly so that the ratio (F) to the investment fund and the ratio (I) to the savings product are F = I (F + I = 1),
The ratio (F) for investing in the investment fund and the ratio (I) for investing in savings products are determined by the customer according to the investment method conditions for saving the fund management system, characterized in that stored in the information storage. delete delete delete delete

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