CROSS REFERENCE TO RELATED APPLICATIONS

This application is a U.S. National Stage Application, which claims the benefit under 35 U.S.C. § 371 of International Application No. PCT/JP2017/005247, filed on Feb. 14, 2017 and based upon and claiming the benefit of foreign priority from Japanese Patent Application 2016-058912, filed Mar. 23, 2016, the entire contents of which are incorporated herein by reference.

TECHNICAL FIELD

The present invention relates to a technique for assisting investment and management of financial products. In particular, the present invention relates to an objective achievement portfolio generating device that is effective when applied to an investment management suggestion system for assisting operations for a financial institution or the like to give an advice or suggestion on an investment of an investor, and a program and a method used therefor.

BACKGROUND ART

In general, financial institutions, such as banks and securities firms, offer services to give an advice, a suggestion, and the like on an investment or investment management for an individual investor or the like, and a mechanism for assisting such operations using an information processing system has been proposed.

In recent years, an asset management service called “robo-advisor” for automatically performing assistance for investment or management, management of portfolios, and the like has been widely used in Europe and the United States.

As a “robo-advisor” service, for example, a service (https://www.hedgeable.com/) provided by Hedgeable, Inc. (U.S.) is known.

In such a “robo-advisor” service, when a customer responds to some questions about an investment objective, a management policy, an asset situation, and the like through a web application screen, a recommended portfolio suitable for the customer is presented depending on the content of the responses. Further, when the customer selects the investment management to be applied according to the portfolio, the customer's assets are automatically managed in accordance with the portfolio.

As a technique related to a suggestion of a recommended portfolio or an automatic management in accordance with a portfolio, for example, Patent Literature 1 discloses a method for presenting a portfolio including a combination of a plurality of financial products for a predetermined management period.

In the method described in Patent Literature 1, a plurality of market price fluctuation scenarios associated with products is systematically set in advance, and a simulation of profit and loss in the future for each of the plurality of fluctuation scenarios is made using a parameter representing a fluctuation scenario and a parameter representing a market characteristic. Then, an optimum portfolio is constructed from a set of narrowed down portfolios and the optimum portfolio is presented.

In addition, for example, Patent Literature 2 proposes a system in which risk tolerance data indicating a risk allowance level of an investor and an investment selection criterion are received from a user terminal, a list of investment destinations for including portfolios to be ranked according to the investment selection criterion is generated and displayed on the user terminal, thereby constructing a portfolio.

In addition, for example, Patent Literature 3 proposes a portfolio automatic management system capable of automatically sending an instruction for trading according to a portfolio management algorithm.

CITATION LIST

Patent Literature

Patent Literature 1: Patent Literature 1: JP 2000-293569 APatent Literature 2: Patent Literature 2: JP 2014-525062 APatent Literature 3: Patent Literature 3: JP 2008-243158 A

SUMMARY OF INVENTION

Technical Problem

However, the systems that provide a recommended portfolio as described above merely suggest a management plan by simply applying predetermined rules or the like for one or two or more financial products. There is no system that presents a plan with a specific objective, purpose, or goal for adopting the management plan.

An investment or investment management to be performed by investors, particularly, individual investors may be performed simply for the purpose of accumulation of interest. However, many investors consider an investment assuming a more specific objective or goal.

For example, some investors may consider an investment management with a specific objective or dream, such as saving a certain amount of money as a down payment to be used in several years to purchase a real estate in the future according to the life stage, or saving of money for a down payment to purchase a luxury automobile.

The number of specific objectives or goals for the investment management is not limited to one. A plurality of objectives, such as a real estate and an automobile, and retirement and a travel, is assumed in many cases.

However, in the techniques disclosed in Patent Literatures 1 to 3 described above, a combination of vague financial products or a recommended portfolio is simply presented, and it has been difficult to suggest an investment management for which specific objectives or goals as assumed by individual investors as described above are set.

Further, when a plurality of such specific objectives is set, it has also been difficult to create and suggest a single investment management plan or portfolio by incorporating a plurality of different target amounts, management periods, and the like for different objectives into the single investment management plan or portfolio, and to prepare a plurality of such portfolios and compare and review the prepared portfolios.

The present invention has been proposed to solve the problems inherent in the related art as described above. An object of the present invention is to provide an objective achievement portfolio generating device which is capable of generating a single portfolio assuming a plurality of targets as specific objectives or goals for investment management so as to flexibly satisfy various needs and the like from investors, is also capable of generating a plurality of portfolios for the same objective and easily comparing and contrasting the generated portfolios, and is suitable for an investment management suggestion system and the like for individual investors, and a program and a method used for the objective achievement portfolio generating device.

Solution to Problem

To achieve the above-mentioned object, an objective achievement portfolio generating device according to the present invention is configured as an information processing device that generates portfolio information for suggesting investment management for achievement of an objective set by a customer based on input information. The objective achievement portfolio generating device includes: objective display means for displaying predetermined objective information selectable by the customer through an input operation; interview display means for displaying predetermined interview information to which the customer is allowed to respond through an input operation; and portfolio generation/display means for generating predetermined portfolio information based on the objective information and interview information that are selected and responded to through an input operation, and causing display means of the customer to display the predetermined portfolio information in a visually recognizable manner. The portfolio generation/display means generates portfolio information for suggesting a single investment management corresponding to one or more pieces of objective information selected by the customer.

Further, the present invention can be configured as an objective achievement portfolio generation program to be executed by the objective achievement portfolio generating device in the present invention as described above.

Furthermore, the present invention can also be configured as an objective achievement portfolio generation method that can be implemented by the objective achievement portfolio generating device and objective achievement portfolio generation program according to the present invention described above.

Advantageous Effects of Invention

According to the present invention, a single portfolio assuming a plurality of targets as specific objectives or goals for investment management can be generated.

Further, a plurality of portfolios for the same objective can be generated and the generated portfolios can be easily, for example, compared and contrasted.

With this configuration, it is possible to provide an investment management suggestion system and the like, particularly, for individual investors, which flexibly satisfy various needs and the like from investors.

