TWI744758B - Investment timing evaluation system - Google Patents
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本發明涉及投資,特別是涉及一種投資時機評估系統。 The invention relates to investment, and in particular to an investment opportunity evaluation system.
隨著訊息科技突飛猛進,人們對於即時且方便的資訊獲取需求呈現爆炸性的成長。而股票投資一直是一般大眾選擇的理財方式,若能於眾多股票資訊中迅速取得股票漲跌先機,即時且正確提供作為投資人買賣決策,絕對是一般投資人眾所盼求。然而,現有股票投資平臺僅停留在資訊收集、股票數據展示,投資者易被大量數據誤導,無法正確評估投資風險,而錯誤判斷投資時機。 With the rapid advancement of information technology, people's demand for instant and convenient information acquisition has exploded. And stock investment has always been the financial management method chosen by the general public. If you can quickly obtain the stock ups and downs from the numerous stock information, and provide investors with real-time and correct buying and selling decisions, it is definitely what ordinary investors want. However, existing stock investment platforms only focus on information collection and stock data display. Investors are easily misled by large amounts of data, fail to correctly assess investment risks, and misjudge investment timing.
本發明所要解決的技術問題在於,針對現有技術的不足提供一種投資時機評估方法,包含以下步驟:取得歷年來和持續更新的每日的股市指數,以建立交易數據資料庫;基於交易數據資料庫,考量股票的本益比,推算出股價波動數據;從交易數據資料庫取得一日期範圍內的多日的股市指數,並將多日的股市指數的總和除以日期範圍的天數,以計算出平均股市指數,平均股市指數反應日期範圍內的股價的常態變動;基於平均股市指數,以定義信賴區間;比對股價波動數據的股價與信賴區間的下限值和上限值,以判斷等於或高於信賴區間的下限值的股價為股價低點,判斷等於或高於信 賴區間的上限值的股價為股價高點;以及計算在股價低點時買入股票到在股價高點時賣出股票的報酬率,以評估股價低點和股價高點的時間點是否分別為買入股票和賣出股票的適當投資時機點。 The technical problem to be solved by the present invention is to provide an investment timing evaluation method for the shortcomings of the prior art, which includes the following steps: obtain historical and continuously updated daily stock market indexes to establish a transaction data database; based on the transaction data database , Considering the price-to-earnings ratio of stocks to calculate stock price fluctuation data; obtain multi-day stock market indices within a date range from the transaction data database, and divide the sum of the multi-day stock market indices by the number of days in the date range to calculate Average stock market index, the average stock market index reflects the normal changes in stock prices within the date range; based on the average stock market index, to define the confidence interval; compare the stock price of stock price fluctuation data with the lower limit and upper limit of the confidence interval to determine whether it is equal to or The stock price above the lower limit of the confidence interval is the low point of the stock price, and it is judged that it is equal to or higher than the confidence interval The stock price that depends on the upper limit of the interval is the stock price high; and the rate of return from buying stocks when the stock price is low to selling stocks when the stock price is high is calculated to assess whether the time points of the low and high stock prices are different It is an appropriate investment timing point for buying and selling stocks.
在一實施態樣中,所述投資時機評估方法更包含以下步驟:基於交易數據資料庫,建構股市曲線在曲線圖中;以及基於股價波動數據,建構股價波動曲線在曲線圖。 In an implementation aspect, the investment timing evaluation method further includes the following steps: constructing a stock market curve in the graph based on the transaction data database; and constructing a stock price fluctuation curve in the graph based on the stock price fluctuation data.
在一實施態樣中,所述投資時機評估方法更包含以下步驟:在曲線圖中基於平均股市指數定義在信賴區間外的低值區以及高值區;判斷股價等於或高於信賴區間的上限值的股價波動曲線的股市曲線點落入高值區;以及判斷股價等於或低於信賴區間的下限值的股價波動曲線的股市曲線點落入低值區。 In an implementation aspect, the investment timing evaluation method further includes the following steps: define a low value area and a high value area outside the confidence interval based on the average stock market index in the graph; determine that the stock price is equal to or higher than the upper value of the confidence interval The stock market curve point of the stock price fluctuation curve with the limit value falls into the high value zone; and the stock market curve point of the stock price fluctuation curve that determines that the stock price is equal to or lower than the lower limit of the confidence interval falls into the low value zone.
在一實施態樣中,所述投資時機評估方法更包含以下步驟:基於平均股市指數,以定義佔信賴區間、低值區與高值區之總和不同比例的多個信賴區間。 In an implementation aspect, the investment timing evaluation method further includes the following steps: based on the average stock market index, multiple confidence intervals with different proportions of the total of the confidence interval, the low value area and the high value area are defined.
在一實施態樣中,所述投資時機評估方法更包含以下步驟:依據一投資風險度選擇訊息,從多個信賴區間選擇其中一比例的信賴區間作為股價低點和股價高點的判斷依據。 In an implementation aspect, the investment timing evaluation method further includes the following steps: according to an investment risk degree selection information, a confidence interval of a ratio is selected from a plurality of confidence intervals as a basis for judging the low and high stock prices.
另外,本發明提供一種投資時機評估系統,包含股市指數紀錄模組、股價波動推算模組、股市指數平均模組、信賴區間定義模組、股價高低點評估模組以及投資評估模組。股市指數紀錄模組配置以取得歷年來和持續更新的每日的股市指數,以建立交易數據資料庫。股價波動推算模組連接股市指數紀錄模組,配置以基於交易數據資料庫,考量股票的本益比,推算出股價波動數據。股市指數平均模組連接股市指數紀錄模組,配置以從交易數據資料庫取得一日期範圍內的多日的股市指數,並將多日的股市指數的總 和除以日期範圍的天數,以計算出平均股市指數。平均股市指數反應日期範圍內的股價的常態變動。信賴區間定義模組連接股市指數平均模組,配置以基於平均股市指數,以定義信賴區間。股價高低點評估模組連接信賴區間定義模組以及股價波動推算模組。股價高低點評估模組配置以比對股價波動數據的股價與信賴區間的下限值和上限值,以判斷等於或高於信賴區間的下限值的股價為股價低點,判斷等於或高於信賴區間的上限值的股價為股價高點。投資評估模組連接股價高低點評估模組,配置以計算在股價低點時買入股票到在股價高點時賣出股票的報酬率,以評估股價低點和股價高點的時間點是否分別為買入股票和賣出股票的適當投資時機點。 In addition, the present invention provides an investment timing evaluation system, which includes a stock market index recording module, a stock price fluctuation estimation module, a stock index averaging module, a confidence interval definition module, a stock price high and low point evaluation module, and an investment evaluation module. The stock index record module is configured to obtain daily and continuously updated stock market indexes over the years to establish a transaction data database. The stock price volatility estimation module is connected to the stock market index recording module and configured to calculate the stock price volatility data based on the transaction data database, considering the price-to-earnings ratio of the stock. The stock market index averaging module is connected to the stock market index record module, configured to obtain multi-day stock market indexes within a date range from the transaction data database, and calculate the total number of stock market indexes over multiple days. Sum is divided by the number of days in the date range to calculate the average stock market index. The average stock market index reflects the normal changes in stock prices within the date range. The confidence interval definition module is connected to the stock market index averaging module and configured to define the confidence interval based on the average stock market index. The stock price high and low point evaluation module is connected with the confidence interval definition module and the stock price fluctuation estimation module. The stock price high and low point evaluation module is configured to compare the stock price of the stock price fluctuation data with the lower limit and upper limit of the confidence interval, and judge the stock price equal to or higher than the lower limit of the confidence interval as the low point of the stock price, and judge whether it is equal to or high The stock price at the upper limit of the confidence interval is the stock price high. The investment evaluation module is connected to the stock price high and low evaluation module, configured to calculate the rate of return from buying stocks when the stock price is low to selling stocks when the stock price is high, to evaluate whether the time points of the low and high stock prices are different It is an appropriate investment timing point for buying and selling stocks.
在一實施態樣中,所述投資時機評估系統更包含曲線圖建構模組,連接股市指數紀錄模組以及股價波動推算模組。曲線圖建構模組配置以基於交易數據資料庫,以在曲線圖中建構股市曲線,並基於股價波動數據,以在曲線圖中建構股價波動曲線。 In an implementation aspect, the investment timing evaluation system further includes a graph construction module, which is connected to the stock index recording module and the stock price fluctuation estimation module. The graph construction module is configured to construct a stock market curve in the graph based on the transaction data database, and to construct a stock price fluctuation curve in the graph based on the stock price fluctuation data.
在一實施態樣中,信賴區間定義模組在曲線圖中基於平均股市指數定義在信賴區間外的低值區以及高值區。股價高低點評估模組配置以判斷股價等於或高於信賴區間的上限值的股價波動曲線的股市曲線點落入高值區,而股價等於或低於信賴區間的下限值的股價波動曲線的股市曲線點落入低值區。 In an implementation aspect, the confidence interval definition module defines the low value area and the high value area outside the confidence interval based on the average stock market index in the graph. The stock price high and low point evaluation module is configured to determine that the stock price curve point of the stock price volatility curve whose stock price is equal to or higher than the upper limit of the confidence interval falls into the high value zone, and the stock price volatility curve of which the stock price is equal to or lower than the lower limit of the confidence interval The curve point of the stock market falls into the low value zone.
在一實施態樣中,信賴區間定義模組基於平均股市指數,以定義佔信賴區間、低值區與高值區之總和不同比例的多個信賴區間。 In an implementation aspect, the confidence interval definition module is based on the average stock market index to define multiple confidence intervals that account for different proportions of the total of the confidence interval, the low value area, and the high value area.
在一實施態樣中,股價高低點評估模組依據從外部裝置輸入的一投資風險度選擇訊息,從多個信賴區間選擇其中一比例的信賴區間作為股價低點和股價高點的判斷依據。 In an implementation aspect, the stock price high and low point evaluation module selects a trust interval of a ratio from a plurality of trust intervals based on an investment risk selection information input from an external device as a basis for judging the stock price low point and the stock price high point.
為使能更進一步瞭解本發明的特徵及技術內容,請參閱以下有 關本發明的詳細說明與圖式,然而所提供的圖式僅用於提供參考與說明,並非用來對本發明加以限制。 In order to further understand the features and technical content of the present invention, please refer to the following Regarding the detailed description and drawings of the present invention, the provided drawings are only for reference and description, and are not used to limit the present invention.
S101~S129:步驟 S101~S129: steps
10:股市指數紀錄模組 10: Stock index record module
11:股市指數 11: Stock market index
12:交易數據資料庫 12: Transaction data database
20:股價波動推算模組 20: Stock price fluctuation estimation module
21:股價波動數據 21: Stock price fluctuation data
30:股市指數平均模組 30: Stock index average module
31:平均股市指數 31: Average stock market index
40:信賴區間定義模組 40: Confidence Interval Definition Module
41:信賴區間 41: Confidence Interval
42:低值區 42: Low value area
43:高值區 43: high value area
50:股價高低點評估模組 50: Stock price high and low point evaluation module
51:股價低點 51: Stock price low
52:股價高點 52: Stock price high
60:投資評估模組 60: Investment Evaluation Module
61:報酬率 61: rate of return
62:投資時機點 62: Investment timing
70:曲線圖建構模組 70: Graph construction module
71:股市曲線 71: The Stock Market Curve
72:股價波動曲線 72: Stock price volatility curve
U1、U2、U3、U4:上限值 U1, U2, U3, U4: upper limit
L1、L2、L3、L4:下限值 L1, L2, L3, L4: lower limit
CT1、CT2、CT3、CT4:價差 CT1, CT2, CT3, CT4: spread
圖1為本發明實施例的投資時機評估方法的流程圖。 Fig. 1 is a flowchart of an investment opportunity evaluation method according to an embodiment of the present invention.
圖2為本發明實施例的投資時機評估系統的方塊圖。 Fig. 2 is a block diagram of an investment opportunity evaluation system according to an embodiment of the present invention.
圖3為本發明實施例的投資時機評估系統的操作介面示意圖。 FIG. 3 is a schematic diagram of the operation interface of the investment opportunity evaluation system according to an embodiment of the present invention.
圖4為本發明實施例的投資時機評估系統及方法在信賴區間比例為60%時的曲線圖。 FIG. 4 is a graph of the investment timing evaluation system and method according to an embodiment of the present invention when the confidence interval ratio is 60%.
圖5為本發明實施例的投資時機評估系統及方法在信賴區間比例為70%時的曲線圖。 FIG. 5 is a graph of the investment timing evaluation system and method according to an embodiment of the present invention when the confidence interval ratio is 70%.
圖6為本發明實施例的投資時機評估系統及方法在信賴區間比例為80%時的曲線圖。 FIG. 6 is a graph of the investment timing evaluation system and method according to an embodiment of the present invention when the trust interval ratio is 80%.
圖7為本發明實施例的投資時機評估系統及方法在信賴區間比例為90%時的曲線圖。 FIG. 7 is a graph of the investment timing evaluation system and method according to an embodiment of the present invention when the confidence interval ratio is 90%.
圖8為本發明實施例的投資時機評估系統計算出報酬率的顯示介面示意圖。 FIG. 8 is a schematic diagram of a display interface for calculating a rate of return by the investment timing evaluation system according to an embodiment of the present invention.
以下是通過特定的具體實施例來說明本發明所公開的實施方式,本領域技術人員可由本說明書所公開的內容瞭解本發明的優點與效果。本發明可通過其他不同的具體實施例加以施行或應用,本說明書中的各項細節也可基於不同觀點與應用,在不悖離本發明的構思下進行各種修改與變更。另外,本發明的附圖僅為簡單示意說明,並非依實際尺寸的描繪,事先 聲明。以下的實施方式將進一步詳細說明本發明的相關技術內容,但所公開的內容並非用以限制本發明的保護範圍。 The following are specific specific examples to illustrate the disclosed embodiments of the present invention, and those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and various details in this specification can also be based on different viewpoints and applications, and various modifications and changes can be made without departing from the concept of the present invention. In addition, the drawings of the present invention are merely schematic illustrations, and are not drawn according to actual size. statement. The following embodiments will further describe the related technical content of the present invention in detail, but the disclosed content is not intended to limit the protection scope of the present invention.
應當可以理解的是,雖然本文中可能會使用到“第一”、“第二”、“第三”等術語來描述各種元件或者訊號,但這些元件或者訊號不應受這些術語的限制。這些術語主要是用以區分一元件與另一元件,或者一訊號與另一訊號。另外,本文中所使用的術語“或”,應視實際情況可能包含相關聯的列出項目中的任一個或者多個的組合。 It should be understood that although terms such as “first”, “second”, and “third” may be used in this document to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another, or one signal from another signal. In addition, the term "or" used in this article may include any one or a combination of more of the associated listed items depending on the actual situation.
請參閱圖1,其為本發明實施例的投資時機評估方法的流程圖。如圖1所示,本實施例的投資時機評估方法可包含步驟S101~S129,可依序執行如下。 Please refer to FIG. 1, which is a flowchart of an investment timing evaluation method according to an embodiment of the present invention. As shown in FIG. 1, the investment timing evaluation method of this embodiment may include steps S101 to S129, which may be sequentially executed as follows.
在步驟S101,取得歷年來和持續更新的每日的全球股市指數、台股指數或其他指數,並建立交易數據資料庫以紀錄取得的股市指數。 In step S101, obtain daily and continuously updated global stock market indexes, Taiwan stock indexes or other indexes, and establish a transaction data database to record the obtained stock market indexes.
在步驟S103,基於交易數據資料庫的多日的股市指數,在曲線圖中建構一股市曲線。 In step S103, a stock market curve is constructed in the curve chart based on the multi-day stock market index of the transaction data database.
在步驟S105,基於交易數據資料庫的股市指數隨時間的變化,並考量股票的本益比等影響投資收益的因素,以推算出股價波動數據。 In step S105, the stock market index changes over time based on the transaction data database, and factors that affect investment income such as the price-to-earning ratio of the stock are considered to calculate stock price fluctuation data.
在步驟S107,基於股價波動數據,建構一股價波動曲線。為方便投資者比對,此股價波動曲線可與步驟S103的股市曲線建構同一曲線圖中。 In step S107, a stock price fluctuation curve is constructed based on the stock price fluctuation data. In order to facilitate investors' comparison, the stock price fluctuation curve can be constructed in the same graph as the stock market curve in step S103.
在步驟S109,從交易數據資料庫取得一日期範圍內的多日的股市指數,並將多日(例如60天)的股市指數的總和除以此日期範圍的天數(例如60天),以計算出一平均股市指數,此平均股市指數反應此日期範圍內的股價的常態變動。 In step S109, obtain multi-day stock market indexes within a date range from the transaction data database, and divide the sum of the stock market indexes for multiple days (for example, 60 days) by the number of days in this date range (for example, 60 days) to calculate Produce an average stock market index that reflects the normal changes in stock prices within this date range.
在步驟S111,基於平均股市指數,以定義在該曲線圖中,該股價波動數據的的一信賴區間,並可定義在此信賴區間外的高值區以及低值 區,其中高值區的股價指數等於或高於信賴區間的股價指數,而低值區股價指數等於或低於信賴區間的股價指數。信賴區間、高值區以及低值區可標示於步驟S107的曲線圖中。 In step S111, based on the average stock market index, a confidence interval for the stock price fluctuation data in the graph is defined, and a high value area and a low value outside the confidence interval can be defined Zone, where the stock price index of the high value zone is equal to or higher than the stock price index of the confidence interval, and the stock price index of the low value zone is equal to or lower than the stock price index of the confidence interval. The confidence interval, the high value area and the low value area may be marked in the graph of step S107.
在步驟S113,從股價波動數據中取樣一股價。 In step S113, a stock price is sampled from the stock price fluctuation data.
在步驟S115,比對在步驟S113所取樣的股價與信賴區間的下限值,以判斷取樣的股價(例如前幾日的股價)是否等於或低於信賴區間的下限值。若否,再次執行步驟S113,從股價波動數據中取樣另一股價。若是,接著執行步驟S117。 In step S115, the stock price sampled in step S113 is compared with the lower limit of the confidence interval to determine whether the sampled stock price (for example, the stock price of the previous few days) is equal to or lower than the lower limit of the confidence interval. If not, step S113 is executed again to sample another stock price from the stock price fluctuation data. If yes, proceed to step S117.
在步驟S117,判定等於或低於信賴區間的下限值(即落入低值區)的股價為一股價低點。 In step S117, it is determined that the stock price that is equal to or lower than the lower limit of the confidence interval (that is, falls in the low value zone) is a stock price low.
在步驟S119,從股價波動數據中取樣下一股價。此下一股價是指在步驟S113的日期之後的股價,並不限於步驟S115取樣的股價的隔日的股價,實務上可為多日之後的股價。應理解,投資獲利的基本原則為在股價低點買入股票,並在日後股價上漲後賣出股票,即藉由買低賣高,來賺取價差。因此,在步驟S119中取樣的股價需高於步驟S115所取樣的股價。 In step S119, the next stock price is sampled from the stock price fluctuation data. The next stock price refers to the stock price after the date of step S113, and is not limited to the stock price of the next day of the stock price sampled in step S115, and may be the stock price several days later in practice. It should be understood that the basic principle of investment profit is to buy stocks at low stock prices and sell stocks when the stock prices rise in the future, that is, by buying low and selling high, to earn the spread. Therefore, the stock price sampled in step S119 needs to be higher than the stock price sampled in step S115.
在步驟S121,比對在步驟S119所取樣的股價與信賴區間的上限值,以判斷取樣的此股價是否等於或高於信賴區間的上限值。 In step S121, the stock price sampled in step S119 is compared with the upper limit of the confidence interval to determine whether the sampled stock price is equal to or higher than the upper limit of the confidence interval.
在步驟S123,判定等於或高於信賴區間的上限值的(即落入高值區)為一股價高點。 In step S123, it is determined that the stock price is equal to or higher than the upper limit of the confidence interval (that is, falls in the high value zone) as a stock price high.
在步驟S125,計算在股價低點時買入股票(買低),到日後在股價高點時賣出股票(賣高)的一報酬率。 In step S125, a rate of return is calculated for buying the stock when the stock price is low (buying low) and then selling the stock when the stock price is high (selling high) in the future.
在步驟S127,判斷是否計算出的報酬率是否符合期望,例如判斷報酬率是否等於或高於一報酬率門檻比率。應理解,可依據投資者的個人投資獲利期望,決定此報酬率門檻比率,例如只要是正報酬(報酬率門檻比率 >0%)就符合期望,進行投資。 In step S127, it is determined whether the calculated rate of return meets expectations, for example, it is determined whether the rate of return is equal to or higher than a threshold rate of return. It should be understood that the threshold rate of return can be determined according to the investor’s personal investment profit expectations, for example, as long as it is a positive return (the threshold rate of return >0%) to meet expectations and invest.
在步驟S129,若計算出的報酬率符合期望,可將步驟S119取樣的股價低點和股價高點推薦給投資者。相反地,若計算出的報酬率不符合期望,則可回到步驟S113和步驟S119重新取樣其他股價。應理解,股價低點與股價高點之間的股價差距越大,即以越低的價格買入股票,後以越高的價格將此股票賣出,報酬率越高。 In step S129, if the calculated rate of return meets expectations, the low and high stock prices sampled in step S119 can be recommended to investors. Conversely, if the calculated rate of return does not meet expectations, return to step S113 and step S119 to resample other stock prices. It should be understood that the greater the stock price gap between the stock price low and the stock price high, that is, the lower the price of buying the stock and the higher the price of selling the stock, the higher the rate of return.
實務上,可依據需求適當調整這些步驟的執行順序或適當省略步驟,例如省略步驟S103、S107的曲線建構或是省略其他步驟,本文實施例僅為舉例說明,本發明不以此為限。 In practice, the execution order of these steps can be appropriately adjusted or the steps can be appropriately omitted according to requirements, such as omitting the curve construction of steps S103 and S107 or omitting other steps. The embodiments herein are only examples for illustration, and the present invention is not limited thereto.
請參閱圖2,其為本發明實施例的投資時機評估系統的方塊圖。如圖1所示,本發明實施例的投資時機評估系統包含股市指數紀錄模組10、股價波動推算模組20、股市指數平均模組30、信賴區間定義模組40、股價高低點評估模組50以及投資評估模組60。
Please refer to FIG. 2, which is a block diagram of an investment opportunity evaluation system according to an embodiment of the present invention. As shown in FIG. 1, the investment timing evaluation system of the embodiment of the present invention includes a stock market
股市指數紀錄模組10配置以取得歷年來的股市指數11和持續更新的每日的股市指數11,以建立交易數據資料庫12。應理解,可依據需求決定交易數據資料庫12紀錄哪些日期的股市指數11,而這些股市指數11可為MSCI世界股市指數、台股指數或其他國家的各種股市指數,在此僅舉例說明,本發明不以此為限。
The stock market
股價波動推算模組20連接股市指數紀錄模組10,配置以從股市指數紀錄模組10取得交易數據資料庫12的股市指數11。舉例而言,當股票個股的股價100元、盈餘10元時,本益比=100/10=10,意味著投資者若購買此股,需要20年才能回本。顯然投資時機的評估不僅需參考股市指數11,需同時考量股票個股成本和獲利。因此,股價波動推算模組20基於交易數據資料庫12中紀錄的股市指數11,考量股票的本益比,以推算出股價波動數據21。
上述本益比為成本和獲利的比例,取決於股價和每股盈餘,以下列方程式表示為:本益比=現在股價/預估未來每股盈餘。
The stock price
股市指數平均模組30連接股市指數紀錄模組10,配置以從交易數據資料庫12取得一日期範圍內的多日的股市指數11,並將多日的股市指數11的總和除以此日期範圍的天數(例如60天),以取得平均股市指數31。此平均股市指數31反應日期範圍內的股價的常態變動。亦即,藉由取日指數的平均值的方式,排除偶爾而非時常發生的事件(例如921大地震)所造成的股價大幅變動,不作為投資評估時機點的判斷依據。
The stock market
信賴區間定義模組40連接股市指數平均模組30,配置以基於平均股市指數31,以定義信賴區間41或稱為常態區間、可信區間,其為常態變動的股市指數範圍。
The confidence
股價高低點評估模組50連接信賴區間定義模組40以及股價波動推算模組20,配置以比對股價波動數據21的股價與信賴區間41的下限值411和上限值,以判斷等於或高於信賴區間41的下限值411的股價為股價低點51,以及判斷等於或高於信賴區間41的上限值的股價為股價高點52。
The stock price high and low
投資評估模組60連接股價高低點評估模組50,配置以計算在股價低點51時買入股票到在股價高點52時賣出股票的報酬率61,以評估出現取樣的股價低點51的時間點是否為買入股票的適當投資時機點62,而出現取樣的股價高點52的時間點為賣出股票的適當投資時機點62。
The
請一併參閱圖2~圖7,其中圖2為本發明實施例的投資時機評估系統的方塊圖;圖3為本發明實施例的投資時機評估系統的操作介面示意圖;圖4~圖7分別為本發明實施例的投資時機評估系統及方法在信賴區間比例為60%、70%、80%和90%時的曲線圖。 Please refer to Figures 2-7 together, in which Figure 2 is a block diagram of the investment timing evaluation system according to an embodiment of the present invention; Figure 3 is a schematic diagram of the operation interface of the investment timing evaluation system according to an embodiment of the present invention; Figures 4-7 respectively It is a graph of the investment timing evaluation system and method of the embodiment of the present invention when the trust interval ratio is 60%, 70%, 80%, and 90%.
如圖2所示,本發明實施例的投資時機評估系統可包含曲線圖建
構模組70,連接股市指數紀錄模組10以及股價波動推算模組20,配置以基於交易數據資料庫12,以在一曲線圖中建構一股市曲線71,並基於股價波動數據21,以在同一或另一曲線圖中建構一股價波動曲線72。
As shown in FIG. 2, the investment timing evaluation system of the embodiment of the present invention may include curve graph construction
The
如圖2所示的信賴區間定義模組40可依據股價範圍定義出信賴區間41、低值區42以及高值區43,並標示於曲線圖中。股價高低點評估模組50判斷具有等於或高於信賴區間41的上限值的股價的股市曲線71點(即股價低點51)落入高值區43,而具有等於或低於信賴區間41的下限值411的股價的股市曲線71點(即股價高點52)落入低值區42。
The confidence
不同投資者的投資手段和習慣不盡相同,例如買入和賣出股票的頻率、不同時間點擁有的資金、可承擔的投資風險高低不同,為了能更能提供更加客製化的投資輔助,本發明實施例提供多個不同比例的信賴區間41。
Different investors have different investment methods and habits, such as the frequency of buying and selling stocks, the funds they own at different points in time, and the level of investment risks that can be assumed. In order to provide more customized investment assistance, The embodiment of the present invention provides a plurality of
具體地,信賴區間定義模組40可基於平均股市指數31,以定義佔信賴區間41、低值區42與高值區43之總和不同比例的多個信賴區間41。投資者可操作一外部裝置(例如電腦、手機等電子裝置)輸入一投資風險度選擇訊息至本發明實施例的投資時機評估系統。信賴區間定義模組40可依據投資風險度選擇訊息,從多個不同比例的信賴區間41中選擇其中一比例的信賴區間41,作為股價高低點評估模組50判斷股價低點51和股價高點52的依據。
Specifically, the confidence
舉例而言,如圖3所示,在本實施例中,信賴區間定義模組40可提供比例60%、70%、80%、90%的信賴區間41供使用者選擇,實務上可替換或額外提供不同比例的信賴區間41。
For example, as shown in FIG. 3, in this embodiment, the confidence
如圖4~圖8所示的曲線圖中的股市曲線71與股價波動曲線72相同,不同之處在於提供不同比例的信賴區間41,其中曲線圖的縱軸為股價,橫軸為時間(年、月、日)。應理解,如圖4~圖8所示的數據皆僅為舉例說明,本發明不受限於實施例的舉例。
The
例如,當投資者選擇60%,信賴區間定義模組40提供比例60%的信賴區間41資訊給曲線圖建構模組70,以在曲線圖建構模組70建構的曲線圖中,呈現信賴區間41。如圖4所示,呈現比例60%的信賴區間41,其具有下限值L1和上限值U1。股價指數低於下限值L1的區域定義為低值區42,而股價指數高於上限值U1的區域定義為高值區43。低值區42與高值區43佔信賴區間41、低值區42與高值區43之總和的40%,其中低值區42與高值區43可分別佔20%。
For example, when the investor selects 60%, the confidence
又例如,當投資者選擇70%,信賴區間定義模組40提供比例70%的信賴區間41資訊給曲線圖建構模組70,以在曲線圖建構模組70建構的曲線圖中,呈現比例70%的信賴區間41。如圖5所示,呈現比例70%的信賴區間41,其具有下限值L2和上限值U2。低值區42與高值區43佔信賴區間41、低值區42與高值區43之總和的30%。
For another example, when the investor selects 70%, the confidence
又例如,當投資者選擇80%,信賴區間定義模組40提供比例80%的信賴區間41資訊給曲線圖建構模組70,以在曲線圖建構模組70建構的曲線圖中,呈現比例80%的信賴區間41。如圖6所示,呈現比例80%的信賴區間41,其具有下限值L3和上限值U3。低值區42與高值區43佔信賴區間41、低值區42與高值區43之總和的20%。
For another example, when the investor selects 80%, the confidence
又例如,當投資者選擇90%,信賴區間定義模組40提供比例90%的信賴區間41資訊給曲線圖建構模組70,以在曲線圖建構模組70建構的曲線圖中,呈現比例90%的信賴區間41。如圖7所示,呈現比例90%的信賴區間41,其具有下限值L4和上限值U4。低值區42與高值區43佔信賴區間41、低值區42與高值區43之總和的10%。
For another example, when the investor selects 90%, the confidence
如圖6所示,在全球經濟向上成長的過程中,股市曲線71的股價呈現持續上漲趨勢,如從2016年11月9日到2018年11月22日期間,股價持續上
漲,股價隨時間呈持續上漲的過程中,將產生股價相對低點和股價相對高點,藉由在股價相對低點買入股票,而在股價相對高點賣出股票,可賺取中間價差。其中,從2017年1月25日起到2018年11月23日期間,股價維持高於或等於信賴區間41的上限值U3而落入高值區43。若以股市曲線71來看,顯然這段期間,未有股價低點(落入低值區42),若因此未推薦使用者進行買入股票的操作,將造成投資者損失。
As shown in Figure 6, during the upward growth of the global economy, the stock price of the
因此,在本發明實施例中,進一步基於交易數據資料庫12的股價指數,和考量股票的本益比,推算出股價波動數據21,以建立股價波動曲線72。舉例而言,如圖4和圖8所示,在2012年6月26日的股價等於信賴區間41的下限值L1,此股價為股價低點51,此時投資者投入低資金買入股票,直到在2012年7月18日的股價等於信賴區間41的上限值U1,此時投資者賣出股票,如此可賺取中間價差,報酬率61為4.3%。又例如,在2016年6月13日達到股價低點51時買入股票,而後在2016年7月11日達到股價高點52時將此股票賣出,報酬率61為1.5%。又例如,在2017年8月11日達到股價低點51時買入股票,而後在2017年9月11日將此股票賣出,報酬率61為3%。以上僅舉例說明,本發明不受限於此。
Therefore, in the embodiment of the present invention, further based on the stock price index of the
投資者可依據個人投資習慣、可承擔的投資風險高低、選擇不同比例的信賴區間41。如圖4~圖7所示,比例越小的信賴區間41,則信賴區間41的股價指數範圍越小,如此股價越容易到達信賴區間41的下限值L1、L2、L3、L4或上限值U1、U2、U3、U4,據此評估投資者的投資時機點62時,投資者買進、賣出股票的頻率會越大,此為投資者多次進場和入場股票市場,每次賺取小額差價為主的保守型投資。
Investors can choose different ratios of confidence intervals according to their personal investment habits, the level of investment risk they can bear, and 41. As shown in Figure 4 to Figure 7, the smaller the ratio of
綜上所述,本發明的有益效果在於,本發明提供一種投資時機評估系統及方法,其可提供投資者基於個人欲投入股票市場的資金、投資習 慣例如買進賣出的頻率、可承擔的風險、每次期望獲利和報酬率等因素以選擇不同比例的信賴區間,並基於投資者選擇的不同比例的信賴區間,以評估投資者在股市市場中適當的投資時機點,輔助投資者安穩的進出場。 To sum up, the beneficial effect of the present invention is that the present invention provides an investment opportunity evaluation system and method, which can provide investors with funds and investment habits that investors want to invest in the stock market based on individuals. Used to choose different ratios of confidence intervals based on factors such as the frequency of buying and selling, the risk that can be assumed, the expected profit each time, and the rate of return. Appropriate investment timing points in the market assist investors to enter and exit the market steadily.
以上所公開的內容僅為本發明的優選可行實施例,並非因此侷限本發明的申請專利範圍,所以凡是運用本發明說明書及圖式內容所做的等效技術變化,均包含於本發明的申請專利範圍內。 The content disclosed above is only the preferred and feasible embodiments of the present invention, and does not limit the scope of the patent application of the present invention. Therefore, all equivalent technical changes made using the description and schematic content of the present invention are included in the application of the present invention. Within the scope of the patent.
S101~S129:步驟 S101~S129: steps
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王慧婷,以複式模擬法估計股票買賣價格之最適區間,國立交通大學管理學院碩士在職專班工業工程與管理組碩士論文,https://ir.nctu.edu.tw/bitstream/11536/39795/1/350301.pdf,2008年6月 * |
王慧婷,以複式模擬法估計股票買賣價格之最適區間,國立交通大學管理學院碩士在職專班工業工程與管理組碩士論文,https://ir.nctu.edu.tw/bitstream/11536/39795/1/350301.pdf,2008年6月。 |
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