WO2021256493A1 - 投資信託診断システム、投資信託診断プログラム及び投資信託診断方法 - Google Patents

投資信託診断システム、投資信託診断プログラム及び投資信託診断方法 Download PDF

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WO2021256493A1
WO2021256493A1 PCT/JP2021/022827 JP2021022827W WO2021256493A1 WO 2021256493 A1 WO2021256493 A1 WO 2021256493A1 JP 2021022827 W JP2021022827 W JP 2021022827W WO 2021256493 A1 WO2021256493 A1 WO 2021256493A1
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investment trust
investment
product
return
risk
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PCT/JP2021/022827
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English (en)
French (fr)
Japanese (ja)
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行宏 河合
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株式会社モバイルサポート
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Priority to JP2022531859A priority Critical patent/JP7548599B2/ja
Publication of WO2021256493A1 publication Critical patent/WO2021256493A1/ja

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to an investment trust diagnosis system, an investment trust diagnosis program, and an investment trust diagnosis method that can promote proper selection or evaluation of investment trust products.
  • Patent Document 1 When an investor evaluates an investment trust product that he or she owns or an investment trust product that he / she intends to buy or sell in the future, the rating (displayed on a 5-point scale, etc.) that is comprehensively judged by the investment trust evaluation institution, etc. (Evaluation) and the like are used (for example, Patent Document 1).
  • the ratings provided by the investment trust valuation institutions, etc., as described above are calculated based on generalized valuation constituent requirements, and therefore individual investments such as positioning and financial constraints. In many cases, it does not meet the specific investment conditions that differ from house to house. Therefore, the current situation is that investors collect the reputation of the Internet Articles and information provided by financial institutions by themselves, and analyze the investment trust products they own or the investment trust products they intend to buy or sell in the future. be.
  • the present invention solves the above-mentioned problems, presents the results of periodic quantitative analysis based on the latest information on investment trust products in an easy-to-understand manner, and requires a high degree of specialized knowledge and information.
  • the purpose is to provide an investment trust diagnosis system, an investment trust diagnosis program, and an investment trust diagnosis method that can prompt the selection or evaluation of the best product without any problems.
  • the present invention is an investment trust diagnosis system that quantitatively analyzes and evaluates investment trust products, and is an investment trust diagnosis system that quantitatively analyzes and evaluates investment trust products for a predetermined period of time.
  • the sharp ratio is an index of asset management efficiency based on the risk, which is the standard deviation of the return rate, and the return, which is the excess return per unit of the standard deviation.
  • Asset management efficiency based on the investment efficiency calculation unit and the risk, which is the standard deviation of the return rate, and the return, which is the excess income per unit of the standard deviation, based on the moving average of price fluctuations of investment trust products over a predetermined period.
  • Investment trusts to be diagnosed by referring to the investment efficiency calculation unit that calculates the index as a sharp ratio, the investment target classification storage unit that stores the classification of investment targets of each investment trust product, and the investment target classification storage unit.
  • the SR deviation value calculation unit that searches for the classification to which the product belongs and calculates the SR deviation value, which is the deviation value of the sharp ratio based on the moving average according to the investment period of each investment trust product belonging to the searched classification, and the investment target.
  • SR which is the deviation value of the sharp ratio based on the moving average according to the investment period for each investment trust product belonging to the searched classification.
  • the present invention is an investment trust diagnosis method for quantitatively analyzing and evaluating investment trust products.
  • (1) Based on the moving average of price fluctuations of investment trust products over a predetermined period, an index of asset management efficiency based on the risk, which is the standard deviation of the rate of return, and the return, which is the excess income per unit of the standard deviation, is used.
  • the operation efficiency calculation step calculated by the operation efficiency calculation unit as the Sharpe ratio, and (2) Based on the moving average of price fluctuations of investment trust products over a predetermined period, an index of asset management efficiency based on the risk, which is the standard deviation of the rate of return, and the return, which is the excess income per unit of the standard deviation, is used.
  • the operation efficiency calculation step calculated by the operation efficiency calculation unit as the Sharpe ratio, and (3) For each investment trust product that belongs to the category to which the investment trust product to be diagnosed searched by the SR deviation value calculation unit belongs, referring to the investment target classification storage unit that stores the classification of each investment trust product regarding the investment target.
  • the SR deviation value calculation step that calculates the SR deviation value, which is the deviation value of the Sharpe ratio based on the moving average according to the operation period of (4) For each investment trust product that belongs to the category to which the investment trust product to be diagnosed searched by the SR deviation value calculation unit belongs, referring to the investment target classification storage unit that stores the classification of each investment trust product regarding the investment target.
  • the SR deviation value calculation step that calculates the SR deviation value, which is the deviation value of the Sharpe ratio based on the moving average according to the operation period of (5)
  • the investment trust product to be diagnosed based on the SR deviation value calculated by the SR deviation value calculation unit with reference to the judgment rule information associated with the SR deviation value and the judgment rule regarding the diagnosis of the investment trust product.
  • the investment trust product to be diagnosed and the other investment trust product are on the coordinates defined by the first axis indicating the risk value and the second axis indicating the return value. It is also preferable to further include an evaluation presentation unit that displays the evaluation of returns or risks among investment trust products of the same risk or the same return in a comparable manner.
  • a product database for accumulating detailed information on each investment trust product is further provided, and the evaluation presentation unit generates a risk / return map by plotting on coordinates based on the risks and returns of a plurality of investment trust products. It has a function, and in the risk / return map, the display form of each plot is changed according to the SR deviation value of each investment trust product, and each plot contains detailed information about the investment trust product related to the plot. It is preferable to set a link to be extracted from the database and displayed.
  • a product database for accumulating detailed information on each investment trust product is further provided, and the evaluation presentation unit first classifies the investment trust products having the same risk or the same return according to the return or risk deviation value. It has a function to display by superimposing it on the risk / return map after matching the scales of the axis and the second axis, and the function to display each category displays the number of investment trust products belonging to each category.
  • the display of each category has a link function that extracts detailed information about investment trust products belonging to each category from the product database and displays a list.
  • the function to display each category is the number of investment trust products belonging to each category. In addition to being displayed, it is preferable that the display of each category has a link function for extracting detailed information about investment trust products belonging to each category from the product database and displaying a list.
  • the system and method according to the present invention described above can be realized by executing the program of the present invention described in a predetermined language on a computer. That is, the program of the present invention is installed on a portable terminal device, a smartphone, a wearable terminal, a mobile PC or other information processing terminal, an IC chip of a general-purpose computer such as a personal computer or a server computer, or a memory device, and is executed on a CPU. Thereby, the method according to the present invention can be carried out by constructing a system having each of the above-mentioned functions.
  • the program of the present invention can be distributed, for example, through a communication line, and can be transferred as a package application running on a stand-alone computer by recording on a recording medium readable by a computer.
  • the recording medium can be recorded on various recording media such as a magnetic recording medium such as a flexible disk or a cassette tape, an optical disk such as a CD-ROM or a DVD-ROM, or a RAM card.
  • the above-mentioned system and method can be easily carried out by using a general-purpose computer or a dedicated computer, and the program can be stored, transported, and stored. Installation can be done easily.
  • the results of periodic quantitative analysis based on the latest information on investment trust products are presented in an easy-to-understand manner, and the best product is selected without requiring a high degree of specialized knowledge or information. Or can encourage evaluation.
  • the results of periodic quantitative analysis based on the latest information on investment trust products are presented in an easy-to-understand manner, and the best products are selected or evaluated without requiring a high degree of specialized knowledge or information. Can be urged.
  • FIG. 1 is a schematic diagram showing the overall configuration of an investment trust diagnosis system. It should be noted that the embodiments shown below exemplify an apparatus or the like for embodying the technical idea of the present invention, and the technical idea of the present invention describes the material, shape, structure, and the material of each component. The arrangement etc. is not specified to the following. The technical idea of the present invention can be modified in various ways within the scope of claims.
  • the investment trust diagnosis system diagnoses an investment trust for a customer CP via a communication network 4 via an information terminal 1 used by a customer CP who is a user who uses the investment trust diagnosis service. It is a system that provides services. Specifically, this system is a system that provides an investment trust diagnosis service that quantitatively analyzes and evaluates investment trust products, and manages and distributes investment trust diagnosis contents on a communication network 4 and financial information. It is roughly composed of an external server 3 for distribution and an information terminal 1 used by a customer CP or the like.
  • the communication network 4 is roughly composed of communication lines such as an IP network and a PSTN (Public Switched Telephone Networks).
  • the IP network is a distributed network constructed by interconnecting various communication lines (telephone lines, ISDN lines, ADSL lines, public lines such as optical lines, dedicated lines, wireless communication networks) using the communication protocol TCP / IP. It is a type of communication network, and this IP network includes an intranet (internal network) such as 10BASE-T and 100BASE-TX, and a LAN such as a home network.
  • the PSTN is a communication network of a general subscriber telephone line, and connects the telephone to the other party's telephone by a line exchange method to make a voice call.
  • the management server 2 is a server device that is arranged on the communication network 4 and distributes fund (financial product) information, provides portfolio services, and provides investment trust diagnosis services as part of those services. User management, data collection management, etc. are performed to provide the services of. Further, the management server 2 has a server computer or a function thereof that distributes information data such as HTML (HyperTextMarkupLanguage) files, image files, video files, and music files in a document system such as WWW (WorldWideWeb). Software. In the present embodiment, the management server 2 stores Web data such as HTML documents and images related to funds (financial products) such as investment trusts provided by investment trusts and management companies, and is used for client software such as a Web browser. In response to the request, the investment information collected from the financial product or the external server 3 is distributed to the information terminal 1 through the communication network 4.
  • fund financial product
  • the management server 2 has a server computer or a function thereof that distributes information data such as HTML (HyperTextMarkupLang
  • the external server 3 is a group of servers that distribute financial information such as investment information and stock information, and the management server 2 patrols and sequentially accesses each external server 3 by a crawling function, and is provided by each external server 3. It collects various kinds of information, converts it into a data format that can be distributed to the information terminal 1, stores it, or distributes it to the information terminal 1.
  • the information terminal 1 is an information processing terminal used by a customer CP who is a user of an investment trust diagnosis service, is a client device connected to a communication network 4 and accesses a management server 2, and is an arithmetic processing unit such as a CPU. And provides various functions by executing application software.
  • the information terminal 1 can be realized by, for example, a general-purpose computer such as a personal computer or a dedicated device specialized in a function, and includes a smartphone, a mobile computer, a mobile phone, a wearable terminal device, and the like.
  • FIG. 2 is a block diagram showing the internal configuration of the management server 2 according to the present embodiment
  • FIG. 3 is a block diagram showing the internal configuration of the information terminal 1 according to the present embodiment.
  • module used in the description refers to a functional unit for achieving a predetermined operation, which is composed of hardware such as a device or device, software having the function, or a combination thereof. ..
  • the management server 2 is a server device that distributes fund (financial product) information, provides portfolio services, and provides investment trust diagnosis services as part of those services.
  • the management server 2 has a communication interface 20, an authentication unit 21, a content management unit 23, a database control unit 24, and an information control unit 25 as components related to the investment trust diagnosis service.
  • a content distribution unit 26 and an information collection unit 27 are provided.
  • the communication interface 20 is a communication interface for performing data communication, and can be connected to the information terminal 1 via the communication network 4.
  • the authentication unit 21 is a computer that verifies the legitimacy of the accessor or software having the function thereof, and executes the authentication process based on each ID and password that identifies each user by referring to the user information storage unit 22a. And identify whether the accessor is a customer or not.
  • the database control unit 24 is a module that controls the input / output of data to various databases, stores the information collected by the information collection unit 27 in the financial information database 22c, and displays information necessary for the investment trust diagnosis service and its presentation. Executes the process of reading the necessary display data from various databases.
  • the content management unit 23 is a module that customizes and generates the content necessary for providing the investment trust diagnosis service for each user. Specifically, user information is acquired from the user information storage unit 22a through the database control unit 24, personal information and environment settings unique to each user are read out, and based on the personal information and environment settings, the content database 22b is used. Select any content, set the display format of each selected content, and configure a user-specific dedicated page.
  • the content management unit 23 uses the technology related to the content management system (CMS) to handle hundreds of investment trust HPs that are already handled and require highly specialized information. Based on the corporate color of each financial institution, build according to the HP guidelines.
  • CMS content management system
  • the content distribution unit 26 is a module that distributes the content generated by the content management unit 23 to each user terminal.
  • the information collecting unit 27 is a module that periodically accesses a Web server capable of acquiring information on investment trusts by a Web patrol robot function such as a crawler, and automatically acquires information on investment trusts.
  • a Web server to which the person in charge manually acquires information on the investment trust may be specified.
  • the information collecting unit 27 analyzes the style sheet language (CSS (Cascading Style Sheets), etc.) included in the Web page, extracts the layout information in the Web page, and extracts HTML or the like from the acquired Web page.
  • CSS CSS
  • the management server 2 includes a database group, and this database group includes a user information storage unit 22a, a content database 22b, and a financial information database 22c.
  • the financial information database 22c is a database that stores contents such as financial information including information on investment trusts, and the financial information includes profits and fees of many financial products, past operation results, and the like.
  • the content includes information on investment trusts, and this "information on investment trusts" includes the attributes of financial products, product names, management companies, and standard prices (compared to the previous day) in the product ID that identifies financial products. (Including), distributions at the time of the last settlement, the number of settlements, purchase fees, etc. are recorded in association with each other.
  • Information on investment trusts is grouped according to each attribute.
  • the "attribute” here indicates the classification of products. For example, it can be classified into domestic and overseas according to the investment target area, and stocks and receivables according to the investment target.
  • the content stored in the financial information database 22c includes information on investment trusts collected by the information collection unit 27 and provided by an external server 3 such as a Web server operated by each company.
  • the user information storage unit 22a is a database that stores personal information and authentication information about users who use the information terminal 1, and in the present embodiment, the database includes a user ID (IP address of the information terminal 1 and the like) and.
  • the password includes user type (access authority, etc.), address, mobile phone number, email address, name, age, gender, and so on.
  • the information terminal 1 includes a communication interface 11, a memory 15, an application execution unit 14, an output interface 13, and an input interface 12.
  • the communication interface 11 is a communication interface for performing data communication, and has a function of non-contact communication by wireless or the like and contact (wired) communication by a cable, an adapter means or the like.
  • the input interface 12 is a device for inputting user operations such as operation buttons and a touch panel.
  • the output interface 13 is a device such as a display or a speaker that outputs video or sound.
  • the output interface 13 includes a display unit 13a such as a liquid crystal display.
  • the memory 15 is a storage device that stores an OS (Operating System), programs for various applications, other data, and the like, and user identification information that identifies a user is stored in the memory 15.
  • OS Operating System
  • the application execution unit 14 is a module that executes an application such as a general OS or browser software, and is usually realized by a CPU or the like.
  • the application execution unit 14 executes a presentation program, which is an investment trust diagnosis program of the present invention.
  • the presentation program is application software that diagnoses the value of financial products such as investment trusts that the user owns or wants to purchase.
  • the application execution unit 14 downloads a diagnostic service website composed of HTML (HyperText Markup Language) files, image files, etc. from the management server 2, and downloads the downloaded website on the screen of the display unit 13a according to the operation of the customer CP. Display / play on.
  • HTML HyperText Markup Language
  • the application execution unit 14 executes the presentation program 141 to execute the operation efficiency calculation unit 141a, the SR deviation value calculation unit 141b, the evaluation unit 141c, the evaluation presentation unit 141d, and the information acquisition unit.
  • 141e and 141e are virtually constructed on the CPU.
  • the information acquisition unit 141e is a module that acquires the latest financial information from the management server 2 through the communication network 4 and stores it in the memory 15.
  • the memory 15 is, for example, a storage device for writing and storing (mainly storing) data, and can be specifically realized by a non-volatile memory device, a hard disk, or the like.
  • the memory 15 may be a fixed built-in one in the information terminal 1, a detachable one such as a memory card, or a storage device connected by a USB cable or the like.
  • the memory 15 functions as an investment target classification storage unit that stores and holds the classification of the investment target of each investment trust product.
  • the memory 15 also functions as a product database for accumulating detailed information on each investment trust product.
  • the investment efficiency calculation unit 141a has a risk that is a standard deviation of the rate of return (fund return) based on a moving average of price fluctuations of investment trust products in a predetermined period, and an excess income per unit of the standard deviation. It is a module that calculates the index of asset management efficiency based on the return, which is (fund return-rate of return on risk-free assets), as the Sharpe ratio.
  • the "rate of return” is, for example, the return of a fund (investment trust product), and its standard deviation is calculated as "risk”.
  • the above "excess income” is the return of the fund (investment trust product) minus the interest rate on risk-free assets, and is calculated as the return.
  • risk-free asset interest rate is also called the “risk-free rate” and refers to the yield that can be obtained from theoretically zero or minimal risk-free assets (risk-free products), and is the principal and interest. Often refers to the yield of financial products such as deposits and savings with guaranteed payments, interbank short-term financial products, and government bonds. Using these values, the Sharpe ratio can be calculated by the following formula.
  • the SR deviation value calculation unit 141b searches for the classification to which the investment trust product to be diagnosed belongs by referring to the memory 15 which is the investment target classification storage unit, and sets the operation period for each investment trust product belonging to the searched classification. It is a module that calculates the SR deviation value, which is the deviation value of the Sharpe ratio based on the corresponding moving average. Specifically, when the Sharpe ratio for each period is x 1 , x 2 ... x n , and the average is ⁇ , the standard deviation ⁇ is expressed by the following formula. Then, using this obtained standard deviation ⁇ , the SR deviation value T i is calculated by the following formula as the deviation value in all funds of a specific fund (investment trust product). here, Is.
  • the evaluation unit 141c refers to the judgment rule information in which the SR deviation value and the judgment rule regarding the diagnosis of the investment trust product are associated with each other, and based on the SR deviation value calculated by the SR deviation value calculation unit 141b, the investment to be diagnosed. It is a module that calculates the evaluation of trust products.
  • the evaluation presentation unit 141d forms a "risk-return map" defined by a first axis showing the risk value and a second axis showing the return value, and on the coordinates of this risk-return map, Based on the risk and return values of the investment trust product, the information V (x, y) of the investment trust product to be diagnosed and the information V (x, y) of other investment trust products are plotted, and the same risk is obtained. Or, it is a module that displays the evaluation of returns or risks among investment trust products with the same return in a comparable manner.
  • the evaluation presentation unit 141d has a function of displaying the information V (x, y) of the selected target product as a plot P1 on the coordinates C by selecting the investment trust product to be diagnosed. It has a function to calculate the average return and risk of the same investment target as the selected target product and display the calculated average return and risk as plot P2.
  • the evaluation presentation unit 141d displays the risk / return map
  • the display form of the plot of information V (x, y) is changed according to the SR deviation value of each investment trust product, and the display form is changed.
  • a link is set in each plot to extract detailed information about the investment trust product related to the plot from the product database and display it by a pop-up or the like.
  • the information V (x, y) about the product having a higher Sharpe ratio than the selected target product on the coordinate C is a specific color as the plot group P3. It has a function of displaying information V (x, y) about a product having a lower Sharpe ratio than the selected target product in a specific color as a plot group P4.
  • the Sharpe ratio or SR deviation value of each investment trust product was calculated and selected as the target of diagnosis. Compare the Sharpe ratio of investment trust products with the Sharpe ratio of other investment trust products, and depending on the comparison result, those products may have a lower or higher Sharpe ratio than the selected target product.
  • Information about V (x, y) is displayed as each plot group in a specific color.
  • a link is embedded in the information V (x, y) of each investment trust product plotted in this way, and by performing a selection operation such as clicking on this link, each investment trust product Detailed information such as the SR deviation value of is extracted from the product database and displayed in a pop-up.
  • the Sharpe ratio of the target product is set as a linear function of the slope based on the ratio of return and risk, and the coordinate C is divided into upper and lower parts by the linear function, and the coordinates of other investment trust products to be plotted. It may be determined which division belongs to according to the position on C, and the plot may be colored according to the color set in the division to which the division belongs.
  • the evaluation presentation unit 141d organizes the “investment trust diagnosis” by classification according to the return or risk deviation value between investment trust products having the same risk or the same return, as shown in FIG. Has a function to display as.
  • the "Investment Trust Diagnosis" function that displays each category displays the number of investment trust products that belong to each category, and the display of each category extracts detailed information about the investment trust products that belong to each category from the product database. It also includes a link function to display a list.
  • each of the above-mentioned modules 141a to 141e may have all or part of its functions in the information control unit 25 on the management server 2 side according to the specifications on the information terminal 1 side.
  • the information control unit 25 calculates the operational efficiency, Sharpe ratio, and Sharpe ratio deviation value, and the calculation result (or intermediate result) is used for each module 141a to 141e of the investment trust diagnosis program 141 on the information terminal 1 side.
  • the management server 2 side and the information processing terminal 1 side may cooperate to provide the service.
  • FIG. 4 is a flow chart showing the operation of the investment trust diagnosis system according to the present embodiment.
  • the information collection unit 27 or the information acquisition unit 141e collects the content including the information about the investment trust on the management server 2 side and stores it in the financial information database 22c or the memory 15 (S101).
  • the investment efficiency calculation unit 141a executes the investment efficiency calculation step based on the moving average of each investment trust product (S103). Specifically, in step S103, asset management based on the risk, which is the standard deviation of the rate of return, and the return, which is the excess income per unit of the standard deviation, based on the moving average of the price fluctuations of the investment trust products in a predetermined period.
  • the index of efficiency is calculated as the Sharpe ratio.
  • the SR deviation value calculation unit 141b executes the SR deviation value calculation step (S105).
  • the SR deviation value calculation unit 141b refers to the memory 15 or the financial information database 22c functioning as the investment target classification storage unit (S104), and searches for the classification to which the investment trust product to be diagnosed belongs.
  • the moving average according to the investment period for each investment trust product belonging to this searched category is calculated.
  • the SR deviation value which is the deviation value of the Sharpe ratio, is calculated based on the obtained moving average.
  • the judgment rule information associated with the SR deviation value and the judgment rule regarding the diagnosis of the investment trust product is referred to (S106). Then, by referring to the determination rule information, the evaluation of the investment trust product to be diagnosed is calculated by the evaluation unit 141c based on the SR deviation value (S107).
  • an evaluation presentation step of presenting the evaluation calculated in this step S107 through a display means such as a touch panel 131 is executed (S108).
  • the evaluation presentation unit 141d indicates the first axis (horizontal axis Ax1) indicating the risk value and the second axis (vertical axis) indicating the return value.
  • Information V (x, y) of each investment trust product is displayed on the coordinates C formed by the axis Ax2). In this embodiment, the display of this information V (x, y) is such that, as shown in FIG. 5, the investment trust product to be diagnosed and the other investment trust product have the same risk or return between the investment trust products.
  • the risk assessment is displayed in a comparable manner. Specifically, if the return is the same (annual rate%), the Sharpe ratio improves when the risk becomes low, and the information V (x, y) on the coordinate C is displayed on the left (origin side), and the same risk (annual rate%). If so, the higher the return, the higher the Sharpe ratio, and the information V (x, y) on the coordinates C will be displayed above.
  • the information V (x, y) of the selected target product is displayed as the plot P1 on the coordinates C.
  • the average return and risk of the same investment target as the selected target product are calculated, and the calculated average return and risk are displayed as plot P2.
  • the information V (x, y) about the product having a higher Sharpe ratio than the selected target product is displayed as the plot group P3 in a specific color, and the selected target product is displayed.
  • Information V (x, y) about a product having a lower Sharpe ratio is displayed as a plot group P4 color-coded with a specific color.
  • a link is embedded in each information V (x, y), and by performing a selection operation such as clicking the link with the pointer 131a (“Y] according to S109), the information V (x, y) Detailed information is extracted from the product database that stores detailed information such as the SR deviation value of the investment trust product, and is displayed as a pop-up 131b (S110).
  • each category S (x, y) As another display mode of the information V (x, y) on the coordinates C, for example, as shown in FIG. 7, depending on the return or risk deviation value between investment trust products having the same risk or the same return. It is also possible to display each category S (x, y) and display the number of investment trust products belonging to each category S (x, y). In this case, a link may be embedded in the number display of investment trust products, and by performing a selection operation such as clicking this link, a list of investment trust products belonging to the category S (x, y) can be displayed. It may be displayed.
  • the above-mentioned "risk / return map” and “investment trust diagnosis” can be appropriately switched and displayed based on user operations, and as shown in FIG. 8, the first axis (horizontal axis Ax1). ) And the scale of the second axis (vertical axis Ax2) may be matched, and then both may be superimposed and displayed.
  • the investment trust diagnosis system and the investment trust diagnosis method according to the above-described embodiment can be realized by executing an investment trust diagnosis program described in a predetermined language on a computer. That is, by installing this program on a computer such as a user terminal or a Web server or an IC chip and executing it on a CPU, it is possible to easily construct a system having each of the above-mentioned functions.
  • This program can be distributed, for example, through a communication line, and can be transferred as a packaged application that runs on a stand-alone computer.
  • Such a program can be recorded on a recording medium that can be read by a personal computer, and the above-mentioned investment trust diagnosis system and investment trust diagnosis method can be implemented using a general-purpose computer or a dedicated computer.
  • the program can be easily saved, transported and installed.
  • the result of periodic quantitative analysis based on the latest information on investment trust products is presented in an easy-to-understand manner, and the best product can be selected or selected without requiring a high degree of specialized knowledge or information. It can encourage evaluation.
  • the results of periodic quantitative analysis based on the latest information on investment trust products are presented in an easy-to-understand manner, and the best products are selected or evaluated without requiring a high degree of specialized knowledge or information. Can be urged.
  • the present invention is not limited to the above-described embodiments as they are, and at the implementation stage, the components can be modified and embodied within a range that does not deviate from the gist thereof.
  • various inventions can be formed by an appropriate combination of the plurality of components disclosed in the above-described embodiment. For example, some components may be removed from all the components shown in the embodiments.

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PCT/JP2021/022827 2020-06-16 2021-06-16 投資信託診断システム、投資信託診断プログラム及び投資信託診断方法 WO2021256493A1 (ja)

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