Information generation device, information generation system, and information generation program

Abstract

To provide evaluation regarding buying and selling data of an investment commodity.SOLUTION: A server (3) which generates information regarding transaction of investment commodity includes: an acquisition unit which acquires transaction data of an investment commodity; a calculation unit which calculates transaction profit and loss and latent profit and loss from the acquired transaction data; and an information generation unit (321) which generates, after classifying the transaction data into types according to combinations of each of the calculated evaluation indexes, information regarding diagnosis for each of the types.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an information generating device, an information presentation system, and an information generating program. [Background technology]

[0002] Systems for advising individual investors have been known in the past. For example, Patent Document 1 discloses financial investment management, portfolio management, and educational and analytical tools for members via an internet site. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2003-531444 (published October 21, 2003, internationally published October 25, 2001) Summary of the Invention [Problem to be solved by the invention]

[0004] There are tools available to evaluate and diagnose static portfolios and stocks, but currently there are no tools that can acquire an investor's trading data, evaluate and diagnose dynamically changing trading data based on that investor's trading data, compare it with others, and provide advice.

[0005] Although buying and selling is a factor in investor disparities, there are currently no services that evaluate, diagnose, compare, or provide advice on this issue.

[0006] In the past, securities company salespeople would use individual investors' trading data as a free service to compare their current situation with that of other customers and make suggestions for improvement. However, with the recent spread of securities trading via the Internet, the functions of securities companies that hold trading data, such as suggestions, diagnosis, and comparison with others, have been lost, especially in online securities companies, and the above problem appears to have become even more pronounced.

[0007] It is no longer possible to compare or understand the current situation to determine whether the buying and selling is correct, and the advice function has been lost. As a result, the investment gap between individual investors is widening, and speculative buying and selling is being encouraged. The current situation is not leading to a direction for investment. Investors no longer know how to buy and sell, and this is causing confusion.

[0008] An object of one aspect of the present invention is to provide more appropriate information in accordance with evaluation indices obtained from user trading data. [Means for solving the problem]

[0009] In order to solve the above problem, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and is characterized by having an information generating unit that acquires buying and selling data of investment products, acquires sold and bought data from the buying and selling data, classifies the sold and bought data into patterns according to the purchase price, selling price, and current market value after the sale, calculates a total profit and loss for each classified pattern, calculates an evaluation index related to overall profit and loss from the calculated total profit and loss for each pattern, and generates information indicating the calculated evaluation index.

[0010] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the traded data based on a comparison of the purchase price, the sale price, and the current market value after the sale in the traded data.

[0011] In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may classify the sold data as a winning pattern if (1) the buying price < the selling price < the current market price after the sale, (2) the buying price < the selling price, and the selling price ≥ the current market price after the sale, and the current market price after the sale > the buying price, or (3) the buying price < the selling price, and the selling price ≥ the current market price after the sale, and the current market price after the sale ≤ the buying price, and may classify the sold data as a winning pattern if (4) the buying price ≥ the selling price > the current market price after the sale, (5) the buying price ≥ the selling price, and the selling price ≤ the current market price after the sale, and the current market price after the sale > the buying price, or (6) the buying price ≥ the current market price after the sale ≥ the selling price.

[0012] Furthermore, an information generation system according to one aspect of the present invention is an information generation system including an information generation device described in each of the above aspects and a terminal device, and the terminal device may be configured to display the information generated by the information generation device on the terminal device itself.

[0013] Furthermore, an information generation program according to one aspect of the present invention may be an information generation program for causing a computer to function as the information generation device described in each of the above aspects, and may be configured to cause a computer to function as the above information generation unit. [Effects of the Invention]

[0014] According to one aspect of the present invention, more appropriate information can be provided in accordance with evaluation indices obtained from user buying and selling data. [Brief explanation of the drawings]

[0015] [Figure 1]1 is a diagram illustrating a hardware configuration of an advice presentation system according to a first embodiment of the present invention. [Figure 2] FIG. 2 is a block diagram showing the configuration of a terminal and a server according to the first embodiment of the present invention. [Figure 3] FIG. 1 is a diagram illustrating an outline of processing performed by an advice presentation system according to a first embodiment of the present invention. [Figure 4] FIG. 1(a) is a diagram showing an example of trading data of an investment product according to the first embodiment of the present invention, and FIG. 1(b) is a diagram showing an example of evaluation indexes of the trading data according to the first embodiment of the present invention. [Figure 5] 4 is a flowchart showing a diagnostic process based on a principal rotation period according to the first embodiment of the present invention. [Figure 6] 1 is a flowchart showing a diagnostic process based on a winning return rate according to the first embodiment of the present invention. [Figure 7] 10 is a flowchart showing a diagnostic process based on a loss rate according to the first embodiment of the present invention. [Figure 8] 4 is a flowchart showing a diagnostic process based on trading profit and loss according to the first embodiment of the present invention. [Figure 9] 1 is a flowchart showing a classification process of buying and selling patterns according to the first embodiment of the present invention. [Figure 10] 1 is a flowchart showing a diagnostic process based on the rate of change of held stocks according to the first embodiment of the present invention. [Figure 11] 1 is a flowchart showing a ranking process based on principal increase / decrease rate according to the first embodiment of the present invention. [Figure 12] 1 is a flowchart showing a process of a total profit and loss analysis according to the first embodiment of the present invention. [Figure 13] FIG. 10 is a diagram showing examples of evaluation values ​​of total profit / loss, trading profit / loss, and unrealized profit / loss according to the level of detail according to the first embodiment of the present invention. [Figure 14] FIG. 2 is a diagram showing an example of evaluation indexes for owned products according to the first embodiment of the present invention. [Figure 15] FIG. 2 is a diagram showing an example of a pattern of owned merchandise according to the first embodiment of the present invention. [Figure 16]FIG. 10 is a diagram showing an example of an initial screen of a stock investment simulation according to the second embodiment of the present invention. [Figure 17] FIG. 10 is a diagram showing an example of a question screen for a stock investment simulation according to the second embodiment of the present invention. [Figure 18] FIG. 10 is a diagram showing the transition of stock prices in a stock investment simulation according to the second embodiment of the present invention. [Figure 19] FIG. 10 is a diagram showing the transition of the valuation amount for each branch of each question in the stock investment simulation according to the second embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0016] [Embodiment 1] Hereinafter, a first embodiment of the present invention will be described in detail. Note that the diagnosis results, advice, and other contents shown below are merely examples and do not limit the present invention.

[0017] (Advice Presentation System 1) An advice presentation system (information presentation system) 1 according to this embodiment will be described with reference to the drawings. FIG. 1 is a diagram showing the hardware configuration of the advice presentation system 1 according to this embodiment. As shown in FIG. 1, the advice presentation system 1 includes a terminal (terminal device) 2 and a server (information generation device) 3. The terminal 2 and the server 3 are configured to be able to communicate with each other via a network 4.

[0018] Terminal 2 acquires trading data through user operation, reading from a recording medium, etc., and displays advice based on the trading data. Terminal 2 may be, for example, a PC, tablet terminal, or smartphone. Server 3 generates advice regarding the buying and selling of investment products. Network 4 is a network that includes the Internet. Investment products include stocks (including Japanese stocks and foreign stocks), investment trusts, exchange-traded funds (ETFs), foreign exchange margin trading (FX), etc.

[0019] FIG. 2 is a block diagram showing the configuration of the terminal 2 and the server 3 according to this embodiment.

[0020] (Terminal 2) 2, the terminal 2 includes a communication unit 21, a control unit 22, a display unit 23, and an operation reception unit 24. The communication unit 21 is a unit that communicates with the server 3. The control unit 22 controls the entire terminal 2 and is, for example, one or more processors. The display unit 23 displays data in response to instructions from the control unit 22 and is, for example, a liquid crystal display. The operation reception unit 24 receives user operations and is, for example, a keyboard, a mouse, a touch panel, etc.

[0021] (Server 3) 2, the server 3 includes a communication unit 31, a control unit 32, and a storage unit 33. The communication unit 31 is a unit that communicates with the terminal 2. The control unit 32 controls the entire server 3, and is, for example, one or more processors. The storage unit 33 stores data in response to instructions from the control unit 22, and is, for example, a hard disk drive, a flash memory, or the like.

[0022] The control unit 32 includes an advice generation unit (information generation unit) 321. The advice generation unit 321 acquires trading data of investment products, acquires basic data from the acquired trading data, calculates evaluation indexes by referring to the acquired basic data, and generates information indicating the calculated evaluation indexes. Next, the advice generation unit 321 performs a diagnosis by referring to the evaluation indexes, and generates information indicating the results of the diagnosis. Then, the advice generation unit 321 generates information indicating advice according to the results of the diagnosis.

[0023] Here, evaluation refers to calculating and evaluating each indicator from trading data, diagnosis refers to diagnosing what kind of trading has been done based on those indicators, and advice refers to giving advice based on the evaluation and diagnosis results. However, the processes of evaluation, diagnosis, and advice are not required and may be provided separately.

[0024] Furthermore, the advice generating unit 321 may obtain a total profit and loss from the trading data, calculate an evaluation index by referring to the total profit and loss, and generate information indicating the calculated evaluation index. Next, the advice generating unit 321 may obtain a total trading profit and loss and a total unrealized profit and loss from the trading data, calculate an evaluation index by referring to the total trading profit and loss and the total unrealized profit and loss, and generate information indicating the calculated evaluation index. Then, the advice generating unit 321 may obtain a total winning profit, a total losing loss, and a total unrealized profit and loss from the trading data, calculate an evaluation index by referring to the total winning profit, the total losing loss, and the total unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0025] Furthermore, the advice generating unit 321 may acquire traded data from the trading data, classify the traded data into patterns according to the purchase price, sale price, and market value after the sale, calculate the total profit and loss for each pattern, calculate an evaluation index by referring to the total profit and loss for each pattern, and generate information indicating the calculated evaluation index. The market value after the sale indicates the market value a certain period after the sale, and includes, for example, the market value three months after the sale, the market value one year after the sale, the market value at the time of valuation, etc. The terminal 2 presents the information generated by the advice generating unit 321 to the user.

[0026] The advice generation unit 321 may also calculate evaluation indexes by referring to trading data, compare and rank investors by referring to the calculated evaluation indexes, and generate information indicating the comparison and ranking of the investors as evaluation indexes. The comparison here refers to comparing the evaluation indexes of the investor with the evaluation indexes of other investors, the average values ​​of the evaluation indexes, etc.

[0027] (Processing overview of advice presentation system 1) 3 is a diagram showing an outline of the processing of the advice presentation system 1 according to this embodiment. The outline of the processing of the advice presentation system 1 will be described with reference to FIG.

[0028] (Step S301) In the terminal 2, the control unit 22 acquires trading data of investment products from the operation reception unit 24 and the like, and transmits the trading data to the server 3 via the communication unit 21. Details of the trading data will be explained separately.

[0029] (Step S302) In the server 3, the control unit 32 receives trading data from the terminal 2 via the communication unit 31. The advice generation unit 321 calculates evaluation indexes from the trading data. The control unit 32 transmits the calculated evaluation indexes as evaluation results to the terminal 2 via the communication unit 31. Details of the evaluation indexes will be explained separately.

[0030] (Step S303) In the terminal 2, the control unit 22 receives the evaluation result from the server 3 via the communication unit 21, and causes the display unit 23 to display the evaluation result.

[0031] (Step S304) In the server 3, the advice generation unit 321 diagnoses the user's buying and selling tendencies from the evaluation index calculated in step S302. The control unit 32 transmits the diagnosed buying and selling tendencies to the terminal 2 as a diagnosis result via the communication unit 31.

[0032] (Step S305) In the terminal 2, the control unit 22 receives the diagnosis result from the server 3 via the communication unit 21, and causes the display unit 23 to display the diagnosis result.

[0033] (Step S306) In the server 3, the advice generation unit 321 compares and ranks investors based on the evaluation index calculated in step S302. The control unit 32 transmits the comparison data and ranking data of the investors to the terminal 2 via the communication unit 31.

[0034] (Step S307) In the terminal 2, the control unit 22 receives the comparison data and ranking data of the investor from the server 3 via the communication unit 21, and causes the display unit 23 to display the comparison and ranking of the investor.

[0035] (Step S308) In the server 3, the advice generation unit 321 generates advice regarding the buying and selling of investment products by referring to the buying and selling data of the investment products, evaluation indexes, users' buying and selling tendencies, investor comparison data, ranking data, etc. The control unit 32 transmits the generated advice to the terminal 2 via the communication unit 31.

[0036] (Step S309) In the terminal 2, the control unit 22 receives advice on buying and selling investment products from the server 3 via the communication unit 21, and causes the display unit 23 to display the advice.

[0037] The server 3 performs, for example, batch processing to calculate the evaluation indexes and store them in the DB by referring to the trading data to be evaluated, and to create and store the diagnostic data in the DB. The DB is set in, for example, the storage unit 33 of the server 3.

[0038] (Example of trading data) FIG. 4(a) is a diagram showing an example of trading data for an investment product according to this embodiment. The following explanation will be given using stocks as an example of an investment product. As shown in FIG. 4(a), the trading data includes the stock code, the number of shares purchased, the purchase date, and the purchase price. The sold data also includes the sale date and the selling price. Furthermore, the trading data for when a sale is initiated (for example, when conducting margin trading) includes the stock code, the number of shares sold, the sale date, and the selling price. The repurchased data also includes the repurchase date and the repurchase price.

[0039] The stock code is a code that identifies the stock being bought or sold. The number of shares purchased is the number of shares purchased by the user. The purchase date is the date on which the user purchased the stock. The purchase price is the stock price when the user purchased the stock. The sale date is the date on which the user sold the stock. The sale price is the stock price when the user sold the stock.

[0040] (Examples of evaluation indicators) FIG. 4(b) is a diagram showing an example of evaluation indices for trading data according to this embodiment. The following explanation will be given using stocks as an example of an investment product. As shown in FIG. 4(b), evaluation indices are calculated using multiple evaluation axes. Examples of evaluation indices include turnover, profit margin, loss margin, trading profit and loss, rate of change in held stocks, and rate of increase or decrease in principal.

[0041] The basic figures described below refer to figures obtained from trading data such as principal, elapsed time, and number of trades. Evaluation indicators refer to indicators calculated from these basic figures. Evaluation axes refer to the perspectives used to evaluate trading data, and consist of one or more evaluation indicators.

[0042] As an example of an evaluation axis, turnover power is an example of an evaluation axis that indicates how fast a user turns over their principal, in other words, how frequently a user changes stocks. Indicators related to turnover power include average holding period, number of principal turnovers, principal turnover period, and average trading period difference. Turnover power indicators are used to evaluate, compare, diagnose, and provide advice on how often a user trades.

[0043] The average holding period is the average holding period for traded stocks. The principal turnover count is an indicator of the number of times the principal turns over in a specified period, and is calculated by "trading amount in a specified period ÷ principal." The principal turnover period is the average period for one turnover of the principal, and is calculated by "number of days in a specified period ÷ principal turnover count." The difference in average trading periods is calculated by "average trading period for winning trades - average trading period for losing trades."

[0044] The winning profitability, which is an example of an evaluation axis, is an example of an evaluation axis that shows the profitability in the case of a win, and is calculated from the winning data that is obtained by classifying the traded data, by dividing the profit amount per win by the trading value per win. The profit amount per win is calculated by dividing the total profit amount by the number of wins. The trading value per win is calculated by dividing the total trading value in the case of a win by the number of wins. The winning profitability is an example of an evaluation axis that evaluates, compares, and diagnoses winning patterns, and provides advice on how to win even more.

[0045] The loss rate, which is an example of an evaluation axis, is an example of an evaluation axis that shows the loss rate in the case of a loss, and is calculated from the loss data that classifies the traded data by "loss amount per loss ÷ trading value per loss." The loss amount per loss is calculated by "total loss amount ÷ number of losses." The trading value per loss is calculated by "total trading value in the case of a loss ÷ number of losses." The loss rate is an example of an evaluation axis that evaluates, compares, and diagnoses loss patterns, and provides advice on how to reduce losses from the current situation.

[0046] The trading profit and loss, which is an example of an evaluation axis, is an example of an evaluation axis that indicates the overall profit and loss from products bought and sold over a predetermined period of time, "Trading profit and loss = Winning rate x trading amount if winning x winning profit rate / number of wins × Principal × (Number of days elapsed ÷ Number of days for principal turnover) / Trading price per transaction + (1-win rate) x trading amount when losing x loss rate / number of losses It is calculated as follows: × principal × (number of days elapsed ÷ number of days for turning over the principal) / trading amount per transaction.

[0047] Trading profit and loss is an evaluation axis of trading data, including both wins and losses, and is an example of an axis for evaluating where problems lie in trading and where there are advantages. Trading profit and loss is an example of an evaluation axis for extracting problems, evaluating, comparing, and diagnosing them, and providing advice on how to improve trading. The total profit and loss is calculated as "Total profit and loss = Trading profit and loss + Unrealized profit and loss."

[0048] The rate of change of a stock held, which is an example of an evaluation axis, is an example of an evaluation axis calculated by "profit and loss of all held stocks divided by holding amount." The profit and loss of all held stocks is the sum of "(current price - purchase price) x number of shares purchased" of the held stock. The holding amount is the sum of "purchase price x number of shares purchased" of the held stock. The rate of change of a stock held is an example of an evaluation axis for evaluating, comparing, diagnosing, and analyzing data on stocks that have been purchased but not yet sold, and is an example of an evaluation axis for giving advice on the state of continuing to hold stocks after purchasing them without selling them.

[0049] The principal increase / decrease rate, which is an example of an evaluation axis, is calculated by "total profit / loss ÷ principal" and "(trading profit / loss + total profit / loss of all held stocks) ÷ principal ÷ elapsed time (years)." The principal increase / decrease rate is an example of an evaluation axis used to make a comprehensive evaluation, and to evaluate, compare, diagnose, and advise, taking into account both trading status and holding status.

[0050] (Details of diagnostic process) 5 to 11 are flowcharts showing the diagnostic processing of the advice generating unit 321 in the server 3 according to this embodiment. Fig. 5 shows the diagnostic processing based on the principal revolving period.

[0051] (Step S501) The advice generating unit 321 determines whether the principal revolving period is within one week. If the principal revolving period is within one week (YES in step S501), the advice generating unit 321 executes the process of step S502. If the principal revolving period is longer than one week (NO in step S501), the advice generating unit 321 executes the process of step S503.

[0052] (Step S502) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S504, S506, and S507).

[0053] As an example, the advice generating unit 321 evaluates, compares, diagnoses, and gives advice as follows, using the evaluation axis of turnover as the user's trading tendency: That is, the advice generating unit 321 compares and diagnoses the following: "You are trading frequently, similar to day trading or scalping. Your principal turns over once within a week, so stocks change frequently. You tend to place emphasis on technicals and win rate, and your profit rate per trade, whether winning or losing, usually tends to be low. It is important to look at other indicators, such as the win rate of return. As an improvement suggestion, if the difference in average trading periods is negative or close to 0, we recommend that you try extending the average winning trading period."

[0054] (Step S503) The advice generating unit 321 determines whether the principal revolving period is longer than one week and within one month. If the principal revolving period is longer than one week and within one month (YES in step S503), the advice generating unit 321 executes the process of step S504. If the principal revolving period is longer than one month (NO in step S503), the advice generating unit 321 executes the process of step S505.

[0055] (Step S504) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency as follows: "Because one rotation occurs within one month, stocks are changed over 10 times in a year. This falls into the category of swing trading, but because it is a broad concept, it is further subdivided depending on the average trading period and the amount of money traded per transaction. However, in general, this is a style that emphasizes technicals and is material-oriented, and involves buying and selling stocks that are moving. In order to increase assets with this type, the difference between the win rate, win profit rate, and lose loss rate is first important. See evaluation criteria such as win profit rate, lose loss rate, and overall profit rate."

[0056] (Step S505) The advice generating unit 321 determines whether the principal revolving period is longer than one month and within six months. If the principal revolving period is longer than one week and within one month (YES in step S505), the advice generating unit 321 executes the process of step S506. If the principal revolving period is longer than six months (NO in step S505), the advice generating unit 321 executes the process of step S507.

[0057] (Step S506) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency with the following: "A trading frequency where stocks are changed several times a year. If the "average trading period when winning - average trading period when losing" is a large positive, it can be said that there is a high possibility that assets are being built. Naturally, this is determined in conjunction with other evaluation axes, but the trading frequency is at a level that allows for ample trading frequency and is able to respond to various changes. It is also able to respond to sudden changes in market trends and global conditions, as well as technical and fundamental factors. In the case of this trading tendency, the most important thing is the difference between the winning profit rate and the losing loss rate; the larger the difference, the better the management."

[0058] (Step S507) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies as follows: "When the average holding period and principal turnover period are both more than six months, the trading tendencies change significantly depending on the state of the stocks held. This is because there are often many cases where the stocks held have unrealized losses. This is a case where a person is unable to cut their losses and ends up holding only bad stocks, in other words, a state of being left unsold. In the past, banks also had a lot of bad loans and gradually fell into a deeper hole, but the existence of unsold stocks is due to household bad loans (bad assets). This is likely to be caused by not buying or selling enough, and there are many cases that fall under this trading trend. Whether or not this case applies can be determined by looking at it in conjunction with other evaluation axes. Particularly important evaluation axes are a diagnosis of trading profits and losses and an analysis of the holding situation. The trading advice, if the above applies, is to revitalize the stocks held by buying and selling while sorting out the stocks held, even if only little by little."

[0059] FIG. 6 is a flowchart showing the diagnostic process based on the winning profit rate performed by the advice generating unit 321 in the server 3 according to this embodiment.

[0060] (Step S601) The advice generating unit 321 determines whether the winning profit rate is less than 5%. If the winning profit rate is less than 5% (YES in step S601), the advice generating unit 321 executes the process of step S602. If the winning profit rate is not less than 5%, that is, if it is 5% or more (NO in step S601), the advice generating unit 321 executes the process of step S603.

[0061] (Step S602) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S604, S606, S608, and S609).

[0062] As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency with the following: "The winning rate of return is too low. Therefore, unless it is covered by the winning rate or turnover, assets will decrease. If the winning rate of return is lower than the absolute value of the losing rate, there is even more room for improvement. If the average holding period when winning is less than one week, it may be a little too early. The selection of stocks to buy may be poor to begin with. See the indicators for pattern trading analysis."

[0063] (Step S603) The advice generating unit 321 determines whether the winning profit rate is 5% or more and less than 10%. If the winning profit rate is 5% or more and less than 10% (YES in step S603), the advice generating unit 321 executes the process of step S604. If the winning profit rate is not less than 10%, that is, if it is 10% or more (NO in step S603), the advice generating unit 321 executes the process of step S605.

[0064] (Step S604) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies as follows: "If the turnover rate is high, the loss rate is kept low, and the win rate is high, then trading can lead to an increase in assets. However, if the above conditions are not met, then it is likely that assets will not increase despite being busy. There is a possibility that the user is good at trading, but there may be problems with stock selection. Although it is necessary to consider other evaluation criteria, if it is difficult to achieve a large price range, it is necessary to reconfirm that there was no mistake in the stock selection to begin with. It is necessary to confirm that there was no mistake in the stock selection to begin with by analyzing trading profits and losses and trading patterns."

[0065] (Step S605) The advice generating unit 321 determines whether the winning profit rate is equal to or greater than 10% and less than 20%. If the winning profit rate is equal to or greater than 10% and less than 20% (YES in step S605), the advice generating unit 321 executes the process of step S606. If the winning profit rate is not less than 20%, that is, if it is 20% or greater (NO in step S605), the advice generating unit 321 executes the process of step S607.

[0066] (Step S606) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies as follows: "The winning rate of return is high and excellent. The winning rate is high and the losing rate is kept low. If the turnover is effective, it will create a rhythm that will allow assets to increase sufficiently. If possible, by raising the winning rate of return even further, the pace of asset increase will increase even more. Is it possible to extend the average holding period when winning? We would like to think of ways to further increase the pace of increase by analyzing winning stocks through trading profits and losses and trading patterns. By using strategic stocks, the possibility of making a larger price range increases."

[0067] (Step S607) The advice generating unit 321 determines whether the winning profit rate is 20% or more and less than 50%. If the winning profit rate is 20% or more and less than 50% (YES in step S607), the advice generating unit 321 executes the process of step S608. If the winning profit rate is not less than 50%, that is, if it is 50% or more (NO in step S607), the advice generating unit 321 executes the process of step S607.

[0068] (Step S608) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency as follows: "If you can get such a large price range on average, it can be said that it is sufficient. You need to pay attention to how effective the turnover is, the loss rate, the win rate, and whether there are any losses on the stocks you own. If there are any shortcomings in the above points, there is still room for improvement. What is particularly important is the turnover force. If the turnover force is too low, there is a possibility that there is actually a lot of room for the pace of asset growth to increase even more."

[0069] (Step S609) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies as follows: "Looking at these figures alone, you have made a sufficient profit. If the other figures below are also excellent, you have achieved a rhythm where your assets are steadily increasing. Ideally, there are no problems with (1) how effective your turnover is, (2) what your loss rate is, (3) what your win rate is, and (4) whether your held stocks are suffering losses. If there are problems with any of the above four, then you should start improving from there. For example, you still have many held stocks with large losses, and while you have been good at taking profits, you have not been able to cut your losses and so you are still holding stocks. Therefore, it is important that you learn how to deal with losses as soon as possible. Take profits slowly and cut losses early."

[0070] FIG. 7 is a flowchart showing the diagnostic process based on the loss rate performed by the advice generating unit 321 in the server 3 according to this embodiment.

[0071] (Step S701) The advice generating unit 321 determines whether the loss rate is greater than -5% and less than or equal to 0%. If the loss rate is greater than -5% and less than or equal to 0% (YES in step S701), the advice generating unit 321 executes the process of step S702. If the loss rate is not greater than -5%, that is, less than or equal to -5% (NO in step S701), the advice generating unit 321 executes the process of step S703.

[0072] (Step S702) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S704 and S705).

[0073] As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency with the following: "The loss rate in the event of a loss is well controlled, which is an excellent performance. If the win rate and win rate are sufficient and there are no problems with the holdings, it can be said that the rhythm of assets increasing is indicative. However, the most important thing is how large the "win rate + loss rate" is. If the win rate is 5% and the loss rate is -5%, the difference is 0. If the win rate is 50%, trading will not result in a loss or profit. It will just be busy trading. On the other hand, if the win rate is 30% and the loss rate is -5%, the difference is 25%, which is quite large. In this case, even a win rate of 50% will be enough to increase funds. Although it needs to be considered in conjunction with other indicators, the loss rate can be said to be excellent."

[0074] (Step S703) The advice generating unit 321 determines whether the loss rate is greater than -10% and less than or equal to -5%. If the loss rate is greater than -10% and less than or equal to -5% (YES in step S703), the advice generating unit 321 executes the process of step S704. If the loss rate is not greater than -10%, that is, less than or equal to -10% (NO in step S703), the advice generating unit 321 executes the process of step S705.

[0075] (Step S704) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies as follows: "The loss rate is sufficiently suppressed, and risk management is being carried out well to prevent further damage. Unless there are any stocks held that have suffered serious damage, the stop loss is working very well. In this case, the most important thing is that the winning rate is significantly higher than the loss rate. If both indicators are at similar levels, the rest will depend on the winning rate. If you are busy but your assets are not increasing, you need to take profits slowly and cut losses early. You need to check by analyzing trading patterns whether your initial stock selection was correct."

[0076] (Step S705) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency as follows: "You tend to be late in cutting your losses, which makes the damage worse. In order to establish a rhythm for increasing your assets, it is very important to cut your losses early and gracefully and control your losses. This is because if you have assets of 1 million yen, a 20% loss will result in 800,000 yen. Next, to get back to 1 million yen, you need to make a profit of 25%. If you make a profit, it will create a virtuous cycle where profits lead to more profits, but conversely, if you suffer a large loss and your funds decrease, your principal will decrease and you will be forced to operate with even less funds, making it difficult to recover. If possible, try to keep your loss rate to 10% or less."

[0077] FIG. 8 is a flowchart showing the diagnostic process based on trading profits and losses performed by the advice generating unit 321 in the server 3 according to this embodiment.

[0078] (Step S801) The advice generating unit 321 determines whether the trading profit / loss is greater than 0% and less than or equal to 10%. If the trading profit / loss is greater than 0% and less than or equal to 10% (YES in step S801), the advice generating unit 321 executes the processing of step S802. If the trading profit / loss is less than or equal to 0% or greater than 10% (NO in step S801), the advice generating unit 321 executes the processing of step S803.

[0079] (Step S802) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S804, S806, S808, and S809).

[0080] As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendencies, saying, "In this era of low interest rates, it is very important to have a style that steadily increases funds. However, if I may be greedy, I would say that there is still room for improvement."

[0081] (Step S803) The advice generating unit 321 determines whether the trading profit / loss is greater than 10% and less than or equal to 20%. If the trading profit / loss is greater than 10% and less than or equal to 20% (YES in step S803), the advice generating unit 321 executes the processing of step S804. If the trading profit / loss is less than or equal to 10% or greater than 20% (NO in step S803), the advice generating unit 321 executes the processing of step S805.

[0082] (Step S804) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency as follows: "The annualized profit is greater than 10%, which is excellent. However, if we were to be greedy, we could aim for even higher, as it is in the 10% range, including the effect of compound interest. As for points for improvement, it is important to look at other indicators and improve the weak points. If the winning profit rate is low, then that should be improved, and if the turnover rate is low, then the turnover should be increased a little."

[0083] (Step S805) The advice generating unit 321 determines whether the trading profit or loss is greater than 20%. If the trading profit or loss is greater than 20% (YES in step S805), the advice generating unit 321 executes the processing of step S806. If the trading profit or loss is not greater than 20%, that is, if it is 20% or less (NO in step S805), the advice generating unit 321 executes the processing of step S807.

[0084] (Step S806) As an example, the advice generation unit 321 compares and diagnoses the user's trading trends as follows: "The principal is increasing at a rate greater than 20% per annum, and assets are being sufficiently built up. All that remains is to improve the bad indicators and further improve the good indicators, and aim for even higher results. Things are going well with regard to the stocks you are buying and selling, but if the stocks you are holding also have a large amount of unrealized gains, then that would be ideal."

[0085] (Step S807) The advice generating unit 321 determines whether the trading profit / loss is greater than -10% and less than or equal to 0%. If the trading profit / loss is greater than -10% and less than or equal to 0% (YES in step S807), the advice generating unit 321 executes the processing of step S808. If the trading profit / loss is less than or equal to -10% (NO in step S807), the advice generating unit 321 executes the processing of step S809.

[0086] (Step S808) As an example, the advice generation unit 321 may compare the user's trading tendency with the following: "When it comes to trading, you're in the negative. No matter how hard you try to buy and sell, you're not getting results, and the results are disappointing. This is especially true if you have problems with the stocks you own. It's important to first identify areas for improvement. Trading pattern analysis can determine whether there's a problem with trading or stock selection. Depending on which trading patterns are most prevalent, you can determine whether the problem lies more in trading or stock selection. If there's a problem with trading, calculate the "profit rate + loss rate." If the "profit rate + loss rate" is close to zero or negative, it's important to improve this number (make the positive larger) by taking profits slowly and cutting losses early. Then, by increasing your win rate, you can move into the positive. Try acting according to the advice."

[0087] (Step S809) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency as follows: "Your assets have decreased by more than 10% per year, and they are shrinking. If the situation of the stocks you own were much better, it would be a different story, but there is a lot of room for improvement in your trading, and you need to fix various aspects. Where should you start? The starting point is to analyze your trading patterns, and it is important to understand which patterns are the main focus of your trading. If there is a problem with your stock selection, it is important to change that first. Try trading with strategic stocks. If there is a problem with your trading, possible issues include cutting losses too late, taking profits too early, a low win rate, or too slow turnover. Look at your performance on each evaluation axis and start by fixing the areas with the most room for improvement. I think there is a high possibility that you will see improvement by following the advice more than ever before."

[0088] 9 is a flowchart showing a classification process of buying and selling patterns by the advice generating unit 321 in the server 3 according to this embodiment. Note that, in the following process, the current price is used for the determination, but the determination is not limited to the current price, and may be made using the market price after the sale (market price three months after the sale, including the current price).

[0089] (Step S901) The advice generating unit 321 determines whether the buying price is smaller than the selling price. If the buying price is smaller than the selling price (YES in step S901), the process of step S902 is executed. If the buying price is not smaller than the selling price, that is, if the buying price is equal to or greater than the selling price (NO in step S901), the process of step S907 is executed.

[0090] (Step S902) The advice generating unit 321 determines whether the selling price is smaller than the current price. If the selling price is smaller than the current price (YES in step S902), the process of step S903 is executed. If the selling price is not smaller than the current price, that is, if the selling price is equal to or greater than the current price (NO in step S902), the process of step S904 is executed.

[0091] (Step S903) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S905, S906, S908, S810, and S911).

[0092] As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (winning pattern 1 [buying price < selling price < current price]) as follows: "A user who frequently uses this buying and selling pattern has a good chance of still increasing profits. The stock selection is not wrong, and now it is necessary to see whether a larger price range can be obtained or whether profits are locked in too early. Also, if it is too late, there is a possibility that other opportunities will be missed, and the turnover aspect is also important."

[0093] Furthermore, the advice generation unit 321 generates advice according to winning pattern 1, such as, "In the future, you can make further improvements by determining how to effectively trade from the stock selection stage and how to replace stocks."

[0094] (Step S904) The advice generating unit 321 determines whether the current price is greater than the purchase price. If the current price is greater than the purchase price (YES in step S904), the process of step S905 is executed. If the current price is not greater than the purchase price, that is, if the current price is equal to or less than the purchase price (NO in step S904), the process of step S906 is executed.

[0095] (Step S905) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (winning pattern 2 [buying price < selling price, and selling price ≥ current price, and current price > buying price]) as follows: "Users who frequently use this buying and selling pattern are good at selecting stocks and are good at buying and selling. However, if you want to be greedy, it is important to buy and sell stocks that have a larger price range. This is especially true in cases where the profit margin is low. Because you buy and sell stocks that do not have a large price range, your profit margin will not increase."

[0096] Furthermore, the advice generation unit 321 generates advice according to winning pattern 2, saying, "If you switch to buying and selling strategic stocks, your performance will improve. In this case, you need to improve your winning rate of return, which is the most important indicator."

[0097] (Step S906) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (winning pattern 3 [buying price < selling price, and selling price ≥ current price, and current price ≤ buying price]) with the following: "Users who frequently have this trading pattern have made the wrong stock selection in the first place, and were successful because they bought stocks that they should not have bought at the time and sold them quickly, so the trading went well, but the stock selection was wrong. If this type of trading accounts for a large proportion of transactions, it is likely that they have been distracted by stocks that are currently moving, such as stocks that are subject to market manipulation, and this means that they are only putting their hands on stocks that they will not make a profit if they do not buy or sell, or conversely, stocks that will result in losses if they continue to hold them. For this reason, they have no choice but to buy or sell."

[0098] Furthermore, the advice generation unit 321 generates advice according to winning pattern 3, saying, "It is important to select stocks that are safe to hold and that will rise, rather than stocks that cannot be held with confidence. This will give you more leeway in buying and selling."

[0099] (Step S907) The advice generating unit 321 determines whether the selling price is greater than the current price. If the selling price is greater than the current price (YES in step S907), the process of step S908 is executed. If the selling price is not greater than the current price, that is, if the selling price is equal to or less than the current price (NO in step S907), the process of step S909 is executed.

[0100] (Step S908) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (losing pattern 1 [buying price ≧ selling price > current price]) with the following: "Users who frequently follow this buying and selling pattern have problems with stock selection. If they only buy stocks that are popular at the moment, or buy stocks that have come up with news, or stocks that are being manipulated, they will suffer losses like this. The essence of these stocks is that they are stocks that should not be held, and stocks that will result in huge losses if not sold."

[0101] Furthermore, the advice generation unit 321 generates the following advice in response to losing pattern 1: "If losing pattern 1 and winning pattern 3 occur frequently, you will need to significantly change your stock selection. Change your style from one in which you aim for opportunities to make profits from buying and selling to one in which you invest. Since you are likely to be skilled at buying and selling, if you can properly select stocks, your performance may improve dramatically. First, try buying and selling strategic stocks."

[0102] (Step S909) The advice generating unit 321 determines whether the current price is greater than the purchase price. If the current price is greater than the purchase price (YES in step S909), the process of step S910 is executed. If the current price is not greater than the purchase price, that is, if the current price is equal to or less than the purchase price (NO in step S909), the process of step S911 is executed.

[0103] (Step S910) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendencies (losing pattern 2 [buying price ≥ selling price, and selling price ≤ current price, and current price > buying price]) with the following: "Users who frequently use this buying and selling pattern are good at selecting stocks, but they cut their losses too early or have vague criteria for deciding when to sell and when not. Other indicators should also be considered. If winning pattern 1 is frequent, then the stock selection can be said to be very excellent."

[0104] Furthermore, the advice generating unit 321 generates advice according to the losing pattern 2, saying, "If you become better at trading, your assets will increase. The winning rate of return, the losing rate of loss, and the difference between them are important indicators."

[0105] (Step S911) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (losing pattern 3 [buying price ≧ current price ≧ selling price]) by saying, "Users who frequently use this trading pattern have room for improvement in both stock selection and trading. However, if in this trading pattern losses are kept small and wins are large, it is possible that they are achieving the ideal winning strategy."

[0106] Furthermore, the advice generating unit 321 generates advice according to the loss pattern 3, such as "If you are losing a lot, it is important to correct the mistake in stock selection."

[0107] FIG. 10 is a flowchart showing diagnostic processing by the advice generating unit 321 in the server 3 according to this embodiment based on the rate of change of stocks held (hereinafter simply referred to as "rate of change").

[0108] The advice generating unit 321 classifies the buying and selling data into held stock data and traded data, and calculates the rate of change of the held stock by referring to the held stock data. Then, the advice generating unit 321 executes the following diagnostic process.

[0109] (Step S1001) The advice generating unit 321 determines whether the rate of change is greater than -10% and less than or equal to 0%. If the rate of change is greater than -10% and less than or equal to 0% (YES in step S1001), the advice generating unit 321 executes the processing of step S1002. If the rate of change is less than or equal to -10% or greater than 0% (NO in step S1001), the advice generating unit 321 executes the processing of step S1003.

[0110] (Step S1002) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information about the reasons for your buying and selling habits Information about social aspects of your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S1004, S1006, and S1007).

[0111] As an example, the advice generation unit 321 compares and diagnoses the user's trading trends as follows: "Some stocks are making profits, and others are making losses. Also, evaluations vary greatly depending on the trading profit and loss. If the trading profit and loss is large and positive, there is likely little problem. If the trading profit and loss is small or negative, there is likely a lot of room for improvement. It is important to analyze the trading profit and loss and recognize your own trading patterns, along with the six trading pattern analysis, etc. As your trading and stock selection improve, the stocks you own should also improve. There is still a long way to go, but that means there is a lot of room for improvement and many elements that will change."

[0112] (Step S1003) The advice generating unit 321 determines whether the rate of change is -10% or less. If the rate of change is -10% or less (YES in step S1003), the advice generating unit 321 executes the process of step S1004. If the rate of change is not -10% or less (NO in step S1003), the advice generating unit 321 executes the process of step S1005.

[0113] (Step S1004) As an example, the advice generation unit 321 compares and diagnoses the user's trading trends as follows: "You have some stocks that are left unspent, and unless your trading profits and losses are very good, there seems to be a lot of room for improvement. You need to start by looking at your overall buying and selling judgment and improving your buying and selling. This is because it is highly likely that the stocks you are holding are stocks that you were unable to buy or sell and were unable to cut your losses on. In the case of stocks, it is very important to quickly get rid of failed stocks. Don't dwell on them forever. It's easy to say, but it's true that cutting losses is difficult. If you're not good at it, try to imitate the support content first. This is because cutting losses can suddenly open up new possibilities for stocks. It is important to organize your holdings, even if only little by little, and change them into a state where you have unrealized gains."

[0114] (Step S1005) The advice generating unit 321 determines whether the rate of change is greater than 0% and less than 10%. If the rate of change is greater than 0% and less than 10% (YES in step S1005), the advice generating unit 321 executes the process of step S1006. If the rate of change is 10% or greater (NO in step S1005), the advice generating unit 321 executes the process of step S1007.

[0115] (Step S1006) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies with the following: "If there are no problems with trading profits and losses, then it seems that things are going well. However, it is important to look at this together with trading pattern analysis. In the classification process of trading patterns, if there are more winning patterns 2 and 3 rather than winning pattern 1, then you need to reconsider your stock selection. This is because there is a high possibility that you are buying stocks that do not have a large price range. Try using more strategic stocks that have a larger price range."

[0116] (Step S1007) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendencies with the following: "If trading profits and losses are also positive, there seems to be little problem. However, it is necessary to look at other evaluation axes as well, such as turnover, winning profit rate, losing loss rate, and winning rate. Improve your weak points."

[0117] 11 is a flowchart showing the ranking process by the principal increase / decrease rate performed by the advice generating unit 321 in the server 3 according to this embodiment. Note that the advice generating unit 321 may perform the comparison process and ranking process using an evaluation index other than the principal increase / decrease rate, or may perform the comparison process and ranking process using a plurality of evaluation indexes.

[0118] (Step S1101) The advice generating unit 321 determines whether the principal increase / decrease rate is greater than 30%. If the principal increase / decrease rate is greater than 30% (YES in step S1101), the advice generating unit 321 executes the process of step S1102. If the principal increase / decrease rate is not greater than 30% (NO in step S1101), the advice generating unit 321 executes the process of step S1103.

[0119] (Step S1102) The advice generation unit 321 determines the user's buying and selling tendency as follows: Information about your buying and selling habits Information to improve your buying and selling habits (The same applies to steps S1104, S1106, S1108, and S1109).

[0120] As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank special A) as follows: "Assets are increasing at a pace that exceeds the market average, which is ideal. It depends on which has a higher weight, trading profits or valuation profits, but if trading profits are the main source of profits, turnover will also work well."

[0121] Furthermore, the advice generating unit 321 generates advice according to rank Special A, such as "By improving your weak points in each evaluation axis, your earning power will increase further and the pace of asset growth will likely increase."

[0122] (Step S1103) The advice generating unit 321 determines whether the principal increase / decrease rate is greater than 10% and less than or equal to 30%. If the principal increase / decrease rate is greater than 10% and less than or equal to 30% (YES in step S1103), the advice generating unit 321 executes the process of step S1104. If the principal increase / decrease rate is less than or equal to 10% (NO in step S1103), the advice generating unit 321 executes the process of step S1105.

[0123] (Step S1104) As an example, the advice generation unit 321 compares and diagnoses the user's buying and selling tendency (rank A) as follows: "Although it may not be so much on an annual basis, the funds are increasing year by year, and the management is such that profits are generating more profits. There are fluctuations from year to year, but the pace is above average."

[0124] Furthermore, the advice generation unit 321 generates the following advice according to rank A: "Check the indicators to see how you compare with the Nikkei average, and compare your growth rate with the market average. If it is below the market average, there is still room for improvement. Even if it is above the market average, recognize your weak points and work on improving them."

[0125] (Step S1105) The advice generating unit 321 determines whether the principal increase / decrease rate is greater than 0% and less than or equal to 10%. If the principal increase / decrease rate is greater than 0% and less than or equal to 10% (YES in step S1105), the advice generating unit 321 executes the process of step S1106. If the principal increase / decrease rate is less than or equal to 0% (NO in step S1105), the advice generating unit 321 executes the process of step S1107.

[0126] (Step S1106) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank B) as follows: "The negative amount is small, but the principal is below the original amount, so there is room for improvement in various ways. First, let's check whether the loss is occurring in the stocks you own, or whether the loss is occurring from trading."

[0127] Furthermore, the advice generation unit 321 generates advice according to rank B, such as, "If you are incurring losses on the stocks you hold, the first thing you should correct is that you are unable to cut your losses.It is also important to consider whether or not you selected the stocks you initially wanted to buy appropriately."

[0128] (Step S1107) The advice generating unit 321 determines whether the principal increase / decrease rate is greater than -10% and less than or equal to 0%. If the principal increase / decrease rate is greater than -10% and less than or equal to 0% (YES in step S1107), the advice generating unit 321 executes the process of step S1108. If the principal increase / decrease rate is less than or equal to -10% (NO in step S1107), the advice generating unit 321 executes the process of step S1109.

[0129] (Step S1108) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank C) with the following: "Losses are increasing, and we recommend that you improve this immediately. First, identify the problem. If you are incurring losses on stocks you own, check whether you are incurring losses on stocks you have already bought and sold. If you are incurring losses on stocks you have already bought and sold, then you should also refer to the win rate, loss rate, trading pattern analysis, etc."

[0130] Furthermore, the advice generating unit 321 generates advice according to rank C, such as "Improvements should be made starting from the particularly bad points. Please refer to the advice on how to improve from the bad evaluation axis."

[0131] (Step S1109) As an example, the advice generation unit 321 compares and diagnoses the user's trading tendency (rank D) with the following: "Your assets are decreasing year by year. It is important to first recognize the problem: is it in the profit and loss from trading or the rate of change in the stocks you own?"

[0132] Furthermore, the advice generation unit 321 generates advice according to rank D, such as, "Are you unable to cut your losses and the unrealized losses of the stocks you hold increasing? Or are you turning over your money too quickly and not increasing your assets at all despite being busy? If it is the former, the loss rate and six buying and selling pattern analysis are important. If it is the latter, the winning rate, comprehensive loss analysis, and turnover index are important."

[0133] (Decomposition formula for trading profit and loss) The breakdown formula for trading profit and loss is shown below.

[0134] Trading profit / loss = Winning rate x trading amount if winning x winning profit rate / number of wins × Principal × (Number of days elapsed ÷ Number of days for principal turnover) / Trading price per transaction + (1-win rate) x trading amount when losing x loss rate / number of losses × Principal × (Number of days elapsed ÷ Number of days for principal turnover) / Trading price per transaction Below is the decomposition formula for trading profit and loss, including a numerical example for a principal of 5 million yen. The numerical example is shown in brackets [ ].

[0135] Trading profit / loss = Winning rate (0.33) x trading amount if winning (29.7 million yen) x winning profit rate (0.41) / number of wins × Principal (5 million yen) × (Number of days elapsed (1,224) ÷ Number of days for turning over the principal (53)) / Trading amount per transaction (670,000 yen) + (1 - win rate) x trading amount in case of loss (77.73 million yen) x loss rate (-0.08) / number of losses × Principal (5 million yen) × (Number of days elapsed (1,224) ÷ Number of days for turning over the principal (53)) / Trading amount per transaction (670,000 yen) The advice generating unit 321 of the server 3 generates a decomposition formula of trading profit and loss including numerical values ​​as a diagnostic result regarding the user's trading data. The advice generating unit 321 also generates advice referring to evaluation indexes included in the decomposition formula, including at least the win rate, win profit rate, loss rate, and principal turnover period (principal turnover period).

[0136] [Example of advice] Below, examples of advice according to this embodiment are shown. The advice generation unit 321 of the server 3 generates each piece of advice. The control unit 22 of the terminal 2 displays each piece of advice on the display unit 23. Note that the content of the advice shown below is an example and does not limit the present invention.

[0137] (First example of advice) "We specialize in transactions with a very high turnover rate, with a capital turnover period of three days. For a capital of 1 million yen, we turn over 100 times in one year, resulting in a trading value of 100 million yen. Because the turnover rate is so fast, the profit rate per transaction is inevitably low.

[0138] In particular, a 5% winning return may be too low.

[0139] The win rate is 60%, the profit rate is 5%, and the loss rate is -8%. Although the win rate is high, the losses are large and there is a tendency to delay in cutting losses, so it can be said that improving the loss rate is also an urgent task. (Second example of advice) "He doesn't seem to like buying and selling. For the past year, he has been holding on to what he buys, without buying or selling. He has plenty of funds, and I think he takes the stance of buying good stocks and continuing to hold them.

[0140] Of the 10 million yen principal, 5 million yen was traded, and 5 million yen remains in cash. The winning rate of the stocks held is 80%, and the rate of return when they win is 1.2 times, which is quite high, so it appears that the investment stance is to carefully select good stocks and purchase them little by little, choosing the right timing. The loss rate for losing stocks is also kept low at around -10%. This is a stance of carefully selecting stocks to invest in. It can be said that this is something that only someone with financial resources can do.

[0141] However, there are many great opportunities in the stock market. Not buying and selling, or not changing stocks, means there's a high chance you're missing out on those opportunities. Increasing your trading volume can give you profit opportunities many times greater than your principal. If you have a principal of 10 million yen, changing stocks once every three months will dramatically increase your profit opportunities. While changing stocks once a week can be too hectic, doing it once every three months is almost effortless. Refreshing your portfolio once every three months makes it easier to incorporate stocks that are in line with the times, allowing you to adapt flexibly to changes.

[0142] Stocks are constantly changing, so even if you have ample funds, it is essential to be able to buy and sell stocks and replace them in order to adapt to these changes. However, the stocks you should buy will vary from time to time, and adapting to these changes is not easy. This is where our trading support comes in. (Third example of advice) "The principal turnover period is one year. In other words, with a principal of 1 million yen, I only buy once a year and continue to hold on to it without buying or selling. The transaction amount is 1 million yen. Although I have not bought or sold any stocks, the win rate for the stocks I hold is 20%, and the loss rate is -30%. I am stuck with the losses and unable to move. I bought and left them, and by not cutting my losses early, I am making the damage worse.

[0143] First, we recommend that you try moving even just a small portion of your holdings and buying and selling. As the moved funds become more active, they will generate profits, which will motivate you to move other unsold stocks as well, and gradually move in the direction of improvement. The most important thing to keep in mind when moving is to cut your losses early and take profits slowly. It will be difficult to cut your losses until you get used to it, so we recommend that you try moving according to the buying and selling support. (Fourth example of advice) "The principal turnover period is two months, which is a moderate turnover. For a principal of 1 million yen, there are six turns over in one year, resulting in a trading value of 6 million yen. The winning rate is 40%, the winning return rate is 40%, and the losing return rate is -8%.

[0144] Although the win rate is low, the winning return rate is very high at 1.4 times, and conversely, the loss cut in the event of a loss is kept to -8%, so assets are steadily increasing and it can be said to be an ideal trading. The rotation frequency is also about once every two months, with stocks being replaced, so it is not busy.

[0145] The average holding period for winning positions is over three months, while the average holding period for losing positions is two weeks. This allows us to "make big wins slowly, and make small losses quickly" and to trade with the aim of building assets. (5th example of advice) "The principal turnover period is one month, so the turnover is appropriate. For a principal of 1 million yen, there were 12 turnovers in one year, for a trading value of 12 million yen. The win rate is 70%, the profit margin is 5%, and the loss margin is -15%. I am conscious of the win rate, and my win rate is high, but my profit margin is too low and my loss margin is too large, so my assets are decreasing. Also, when I win, the holding period is too short, and while I tend to lock in profits immediately, I end up holding on to stocks that result in losses for too long, which causes my losses to grow.

[0146] There is a tendency to delay cutting losses, so it is urgent to improve the loss rate. [Basic figures (basic data) and specific examples of evaluation indicators] The advice generation unit 321 calculates evaluation indices from the basic numerical values. The calculation of the evaluation indices changes depending on the level of profit and loss (degree of detail). Since the evaluation indices change, evaluation is also performed in stages, and comparison, diagnosis, and advice can also be performed in stages. Specific examples of differences in evaluation indices according to levels are shown below. Note that the following are specific examples and do not limit the present invention.

[0147] (Specific examples of valuation of total profit and loss) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate = total profit / loss ÷ principal" and evaluates the total profit / loss.

[0148] The basic figures are ·principal, ·Total profit and loss Purchase price Sales proceeds Number of purchases Current valuation Number of days passed ·Average number of days held -Rate of change of benchmark (Nikkei average, etc.) during the period etc.

[0149] The evaluation indexes include a rotational force index and a comprehensive index.

[0150] The rotational force index includes: · Number of rotations (= purchase price ÷ principal) Number of days of rotation (= number of days elapsed ÷ number of rotations) ·Average number of days held etc.

[0151] The overall indicators include: ·Principal profit and loss ratio (=total profit and loss ÷ principal) Average purchase price Average profit / loss (= total profit / loss ÷ number of purchases) Principal profit / loss ratio (= purchase price ÷ principal × total profit / loss ÷ number of purchases ÷ purchase price ÷ number of purchases) Principal profit / loss ratio (= number of turns x average profit / loss per turn / purchase price per turn) Comparison with the Nikkei average, cash ratio, investment ratio, current investment amount etc.

[0152] (Specific examples of valuation of total trading profit and loss) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate = (total trading profit / loss + total unrealized profit / loss) / principal" and evaluates the total trading profit / loss.

[0153] The basic figures are ·principal Total trading profit and loss Purchase price Number of wins Total profit in case of a win Winning purchase total Total winnings from sales Number of losses Total purchase price of losses Total selling price of losses Total loss in case of loss Number of trades Sales proceeds Number of days passed Average trading period etc.

[0154] The evaluation indicators include: Rotational force · Number of times the stock is traded (= purchase price ÷ principal) Number of days since trading (= number of days elapsed ÷ number of rotations) Average number of days a stock is held Principal profit / loss ratio (= total trading profit / loss ÷ principal) Win rate of trading stocks (= number of wins / number of trades) Profit per trade (= Profit if winning / Number of wins) Profit rate in case of winning trades (= profit in case of winning ÷ winning trading amount) Loss per trading transaction (= loss in case of loss / number of losses) Loss rate in case of loss on trading stock (= loss in case of loss ÷ loss trading amount) etc.

[0155] For example, trading profits and losses can be broken down into the following elements: This breakdown allows us to understand the nature of trading.

[0156] Total trading profit / loss = Win rate (33%) x Trading amount if winning (29.7 million yen) x Profit rate if winning (0.41) ÷ Number of wins + (1 - Win rate) x Trading amount if losing (77.73 million yen) x Profit rate if losing (-0.08) ÷ Number of losses × Principal (5 million yen) × (Number of days elapsed (1224) ÷ Number of days for turning over the principal (53)) ÷ Trading price per transaction (670,000 yen) Trading profits and losses are determined by factors such as turnover, profit margin in the case of a win, loss margin in the case of a loss, principal, win rate, etc. By dividing the factors, it is possible to evaluate which factors are strong or weak, and to understand the trading trends.

[0157] For example, unrealized gains and losses can be divided into the following elements:

[0158] Unrealized profit / loss = Win rate (33%) x Trading amount if winning (29.7 million yen) x Profit rate if winning (0.41) ÷ Number of wins + (1 - Win rate) x Trading amount if losing (77.73 million yen) x Profit rate if losing (-0.08)) ÷ Number of losses × Principal (5 million yen) × (Number of days elapsed (1224) ÷ Number of days for principal turnover (53)) ÷ Trading price per transaction (670,000 yen) When assessing unrealized profits and losses, the turnover, profit rate in the case of a win, loss rate in the case of a loss, principal, win rate, etc. are important.

[0159] (Example of evaluation of total winnings) The advice generating unit 321 calculates the principal increase / decrease rate by "principal increase / decrease rate = (total winning profits + total losing losses + total unrealized profit / loss) / principal" and evaluates the total winning profits.

[0160] The basic figures are ·principal Total profit Purchase price Sales proceeds Number of days passed Average number of days for trading etc.

[0161] The evaluation indicators include: Rotational force · Number of rotations = (purchase price ÷ principal) Number of days of rotation (= number of days elapsed ÷ number of rotations) ·Average number of days held Winning profit rate (= total winning profit / winning purchase price) Win rate (= number of wins / number of trades) Profit per win (= Profit when winning / Number of wins) Profit rate in case of a win (= Profit in case of a win / Winning trading amount) Total profits won Purchase price per win (= Purchase price per win / Number of wins) etc.

[0162] For example, winnings can be divided into the following components:

[0163] Winning Profit = (Winning Rate (33%) x Trading Amount if Winning (29.7 million yen) x Profit Rate if Winning (0.41) ÷ Number of Wins) × (Principal (5 million yen) × (Number of days elapsed (1224) ÷ Number of days for principal turnover (53)) ÷ Trading amount per transaction (670,000 yen)) Winning profit = (Winning rate (= Number of wins ÷ Number of trades) (33%) × Trading amount if winning (29.7 million yen) × Profit rate if winning (= (Profit from winning pattern 1 + Profit from winning pattern 2 + Profit from winning pattern 3) ÷ Trading amount (0.41)) ÷ Number of wins) × (Principal (5 million yen) × (Number of days elapsed (1224) ÷ Number of days for principal turnover (53)) ÷ Trading amount per transaction (670,000 yen)) Winning profit = Winning pattern 1 profit + Winning pattern 2 profit + Winning pattern 3 profit Winning profit = Profit that would have been earned from Winning Pattern 1 - Lost profit after selling Winning Pattern 1 + Loss avoided by selling Winning Pattern 2 + Profit that would have been earned by holding Winning Pattern 2 + (Current valuation - purchase price) of Winning Pattern 3 - (Loss if holding continued) of Winning Pattern 3 - Loss avoided by buying and selling Winning Pattern 3 at (Current valuation - selling price) (Example of evaluation of winning profit patterns) The advice generation unit 321 calculates the principal increase / decrease rate as follows: "Principal increase / decrease rate = (total unrealized profit / loss + total profit of winning profit pattern 1 + total profit of winning profit pattern 2 + total profit of winning profit pattern 3 + total loss of losing loss pattern 1 + total loss of losing loss pattern 2 + total loss of losing loss pattern 3) ÷ principal" and evaluates the total winning profit.

[0164] The basic numbers for winning pattern 1 are: ·principal, Total profit Purchase price Sales proceeds Number of days passed Average number of days for trading Total profit and loss after trading Total profit and loss if holding -Total trading profit and loss, etc.

[0165] The evaluation indicators for winning pattern 1 are: Average holding period, total profit if not sold - Profit amount obtained if no sale is made per transaction Profit obtained if you did not sell ÷ Profit from winning pattern 1 Total profits that could have been earned Total profit that would have been earned ÷ Profit from winning pattern 1 ·Average holding period The period that has elapsed if the sale is not made - Holding period if not sold after purchase, Total profit that would have been earned ÷ holding period if not sold after purchase Profits that would have been earned if the sale had not been made ÷ period that would have elapsed if the sale had not been made etc.

[0166] For example, the profits from winning pattern 1 can be divided into the following elements:

[0167] Profit from winning pattern 1 = Rate of winning pattern 1 (= (Number of times winning pattern 1 ÷ number of wins) × (Number of times winning ÷ number of trades)) × Trading amount for winning pattern 1 (1,000 yen) × Profit rate for winning pattern 1 (= Profit from winning pattern 1 ÷ Trading amount for winning pattern 1) ÷ Number of times winning pattern 1 × Principal (5 million yen) × Number of days elapsed (1224) ÷ Number of days for turning over the principal (= (Number of days elapsed ÷ (Trading amount ÷ Principal)) (53) ÷ Trading amount per transaction (670,000 yen)) Profit from winning pattern 1 = Profit that would have been obtained from winning pattern 1 - Lost profit after selling winning pattern 1 Profit rate of winning pattern 1 = (profit that would have been obtained from winning pattern 1 - lost profit after selling winning pattern 1) ÷ trading price of winning pattern 1 Profit from winning pattern 1 = Rate of winning pattern 1 (= Number of times winning pattern 1 is used ÷ Number of times buying and selling) × Trading price for winning pattern 1 (1,000 yen) × (Profit that would have been obtained from winning pattern 1 - Lost profit after selling winning pattern 1) ÷ Trading price for winning pattern 1 ÷ Number of times winning pattern 1 is used (Total profit and loss) In the server 3, the advice generation unit 321 acquires trading data for investment products, acquires basic figures (fundamental data) from the acquired trading data, calculates evaluation indicators related to trading profits and losses and unrealized profits and losses from the acquired basic figures, acquires evaluation indicators related to overall profits and losses from the calculated evaluation indicators, and generates information indicating the acquired evaluation indicators.

[0168] Fig. 12 is a flowchart showing the processing of the overall profit and loss analysis according to this embodiment. Fig. 13 is a diagram showing examples of evaluation values ​​of the overall profit and loss, the trading profit and loss, and the unrealized profit and loss according to the level of detail according to this embodiment.

[0169] As shown in Figure 13, total profit / loss is expressed as the sum of trading profit / loss and unrealized profit / loss. Unrealized profit / loss has trading profit / loss as a parameter in the calculation formula, and is linked to increases or decreases in trading profit / loss. This means that unrealized profit / loss may increase as trading profit / loss increases, further increasing the possibility of total profit / loss increasing. In other words, we can expect a compound interest effect on total profit / loss due to the synergistic effect of trading profit / loss and unrealized profit / loss.

[0170] In other words, the total profit or loss is the total profit or loss including the unrealized profit or loss and the realized profit or loss obtained from the investment product.

[0171] The evaluation indicators for overall profit and loss include: Rotational force - Profitability rate (sales profit rate and unrealized profit rate) Loss rate (trading loss rate and unrealized loss rate) Cash ratio Purchase win weight (unrealized trading win rate) Winning rate (selling win rate) etc.

[0172] The overall profit and loss is affected by various evaluation indicators depending on the level of detail of the evaluation figures, and various evaluation indicators corresponding to the level of detail are used for evaluation. For example, when using a calculation formula with a level of detail of 5, the most detailed evaluation indicators are used, allowing for more detailed analysis and evaluation.

[0173] As shown in FIG. 12, in the server 3, the advice generation unit 321 performs a diagnostic procedure in which it analyzes the overall profit and loss to grasp the general outline of what is good and what is bad, then delves deeper into the bad parts and identifies areas that need improvement.

[0174] (Step S1201) The advice generating unit 321 determines whether there is a problem with the trading profit / loss among the total profit / loss. If there is a problem with the trading profit / loss (Yes in step S1201), the advice generating unit 321 executes the determination in step S1202. If there is no problem with the trading profit / loss (i.e., there is a problem with the unrealized profit / loss) (No in step S1201), the advice generating unit 321 executes the determination in step S1205.

[0175] (Step S1202) The advice generating unit 321 determines whether there is a problem with the winning profit rate (trading profit rate). If there is a problem with the winning profit rate (Yes in step S1202), the advice generating unit 321 executes the process of step S1203. If there is no problem with the winning profit rate (i.e., there is a problem with the losing loss rate) (No in step S1202), the advice generating unit 321 executes the process of step S1204.

[0176] (Step S1203) The advice generating unit 321 analyzes the winning profit rate (trading profit rate).

[0177] (Step S1204) The advice generating unit 321 analyzes the loss rate (trading loss rate).

[0178] (Step S1205) The advice generating unit 321 determines whether there is a problem with the winning profit rate (unrealized profit rate). If there is a problem with the winning profit rate (Yes in step S1205), the advice generating unit 321 executes the process of step S1206. If there is no problem with the winning profit rate (i.e., there is a problem with the losing loss rate) (No in step S1205), the advice generating unit 321 executes the process of step S1207.

[0179] (Step S1206) The advice generating unit 321 analyzes the winning profit rate (unrealized profit rate).

[0180] (Step S1207) The advice generating unit 321 analyzes the loss rate (unrealized loss rate).

[0181] As a specific example of steps S1205 to S1207, for example, if the absolute value of the winning profit rate (unrealized profit rate) is greater than threshold A and the absolute value of the losing loss rate (unrealized loss rate) is less than threshold B (< threshold A), the advice generating unit 321 may generate a diagnosis indicating that the winning profit rate is sufficiently large and the losing loss rate is sufficiently small, and advice recommending selling the stock with the small losing loss rate to realize a loss cut and using the proceeds from the sale to purchase an investment product with the potential for greater profits. This is because it makes sense to realize losses early within the profit margin due to the large winning profit. However, if the holding period (e.g., number of days, months, etc.) of the stock with the small losing loss rate is shorter than a predetermined value, the advice generating unit 321 does not generate the above diagnosis or advice. This is because the holding period is still short and the investment results of the stock may not yet be apparent.

[0182] In the analyses of steps S1203, S1204, S1206, and S1207, it may be analyzed whether the winning profit rate or losing profit rate is greater (outperforms) than a comparison target (for example, the Nikkei average).

[0183] According to the above, a multifaceted evaluation is possible, for example, such as "Starting with a diagnosis of overall profit and loss, the turnover is high, but the winning profit rate is low and the trading profit is low, so the compound interest effect is not working, the unrealized loss is large, and the overall profit and loss is negative." or "Loss cuts are not possible, so losing stocks are held for a long time, and unrealized losses grow, while when profits are made they are quickly sold, so the winning profit rate is low and the losing loss rate (unrealized loss) is high."

[0184] Investment products are investment products including FX, stocks, investment trusts, ETFs, etc., and refer to products whose value fluctuates. However, there is no strict, unique calculation formula. For example, the trading amount per transaction can be replaced by (trading amount ÷ number of transactions).

[0185] Unrealized profits and losses are expressed as functions of, for example, the cash ratio, trading profits, and winning profit rate (unrealized profit rate). The total profit or loss from an investment product is the sum of trading profits and losses and unrealized profits and losses. Therefore, the total profit or loss is affected by these evaluation indicators.

[0186] (Effect of decomposing total profit and loss) By examining not only whether the profits obtained from investment products are unrealized or realized (the roughest method of evaluation), but also the impact of the cash ratio on profits and losses, the compound interest effect that causes profits to generate more profits, and a comprehensive look at turnover, profit rate on wins, loss rate on losses, etc., it becomes possible to determine where the most problems lie and make a comprehensive evaluation of the areas that should be focused on for improvement, enabling a diagnosis.

[0187] For example, if the trading profit and loss is large, the winning profit rate is high, and the losing loss rate is kept low, but the unrealized loss is expanding significantly, there is a big problem with the unrealized loss and there are areas for improvement, so it is necessary to focus on that and evaluate it in more detail.

[0188] For example, if you have a large unrealized profit, have bought carefully selected stocks at the right time, and have a high winning profit rate (unrealized profit rate), but there are still many stocks with unrealized losses, and your turnover is not working at all, we will explain the need to create trading profits and losses (by cutting losses, etc.), improve capital efficiency, and increase your turnover, as this will likely lead to better results.

[0189] (Unrealized gains and losses) Unrealized gains and losses refer to unrealized gains and losses, calculated from the purchase price of a product that has not yet been traded (or the selling price in the case of short selling; the same applies below).Unrealized gains and losses are usually the difference between the appraised value of a product, calculated based on market value, and the purchase price of that product.

[0190] (Definition of terms) Winning profits refer to unrealized profits that have not yet been realized or confirmed.

[0191] The winning profit rate is the unrealized profit rate, calculated as "winning profit / winning purchase price." Winning purchase price is the purchase price that makes up the unrealized profit out of the purchase price that makes up the unrealized profit / loss (i.e., the purchase price of the product that has not been traded).

[0192] Losses refer to unrealized losses that have not yet been realized or confirmed.

[0193] The loss rate is the unrealized loss rate, calculated as "loss rate / loss purchase price." The loss purchase price is the purchase price that makes up the unrealized loss out of the purchase price that makes up the unrealized gain or loss.

[0194] The cash ratio refers to the ratio of the amount remaining as cash out of the purchase amount (principal + trading profit and loss + deposits and withdrawals). Deposits and withdrawals are the increase or decrease in cash due to deposits and withdrawals after the principal was deposited. "1 - cash ratio" means the ratio of the product's holding price out of the purchase amount.

[0195] The purchase profit weight is the ratio of the purchase price that constitutes unrealized gains to the purchase price. Therefore, "1 - purchase profit weight" means the ratio of the purchase price that constitutes unrealized losses to the purchase price.

[0196] As expressed in the formula in Figure 13, unrealized profits and losses are composed of the cash ratio, trading profits and losses, purchase win weight, win rate (unrealized profit rate), and loss rate (unrealized loss rate).

[0197] Not only the trading profit and loss explained above, but also unrealized profit and loss and total profit and loss can be evaluated in stages.

[0198] (Specific examples of valuation of total unrealized gains and losses) The advice generating unit 321 evaluates the total unrealized profit and loss.

[0199] The basic figures are ·principal Total unrealized gains and losses Purchase price of unsold stocks (or unrepurchased stocks) Current valuation of unsold stocks (or unrepurchased stocks) Number of days passed Number of winning stocks held Total unrealized profits in case of winning stocks held Purchase price of winning stocks held Number of losses on stocks held Total loss if holdings lose Loss on trading of stocks held Number of purchases Number of stocks held ·Average number of days held etc.

[0200] The evaluation indicators include: Rotational force Principal multiplication rate (= (purchase price + cash) ÷ (principal + deposits and withdrawals)) Annual principal growth rate (= principal growth rate / number of years elapsed) ·Average number of days held Profit / loss ratio (= total unrealized profit / loss ÷ total purchase price) Win rate (= number of wins / number of purchases) Profit per win (= Profit when winning / Number of wins) Profit margin if winning (= Profit if winning / Purchase price if winning) Brand market share Share of winning stocks Share of losing stocks Profit and loss breakdown (by stock) Average rate of change (annualized) Unrealized profit and loss weight Trading profit and loss weight Nikkei average change rate etc.

[0201] (Details of unrealized gains and losses) As shown in FIG. 13, the unrealized profit and loss can be evaluated using, for example, five levels of evaluation numerical values ​​with different levels of detail.

[0202] A function with a detail level of 1 is expressed by a formula that includes a trading history. That is, in the server 3, the advice generation unit 321 may calculate an evaluation index that includes trading profits and losses from basic numerical values ​​as an evaluation index related to unrealized profits and losses, and generate information indicating the calculated evaluation index.

[0203] A function with a detail level of 2 is expressed by a calculation formula including trading profit, winning profit rate (unrealized profit rate), or losing loss rate (unrealized loss rate). That is, in the server 3, the advice generation unit 321 may calculate an evaluation index including trading profit / loss and winning profit rate or losing loss rate from basic numerical values ​​as an evaluation index related to unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0204] A function with a level of detail of 3 is expressed by a formula including trading profit, cash ratio, winning profit rate (unrealized profit rate), or losing loss rate (unrealized loss rate). That is, in the server 3, the advice generation unit 321 may calculate an evaluation index including trading profit / loss, winning profit rate or losing loss rate, and cash ratio from basic numerical values ​​as an evaluation index related to unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0205] A function with a detail level of 4 is expressed by a calculation formula including a purchase win weight, principal, trading profit / loss, cash ratio, winning return rate (unrealized profit rate), and losing loss rate (unrealized loss rate). That is, in the server 3, the advice generation unit 321 may calculate an evaluation index including a trading profit / loss, a winning profit rate or a losing loss rate, a cash ratio, and a purchase win weight from a basic numerical value as an evaluation index related to unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0206] The formula for calculating specificity level 5 is as follows:

[0207] Unrealized profit / loss = Purchase profit weight × (1 - cash ratio) × (principal + trading profit / loss) × profit rate + (1 - purchase profit weight) × (1 - cash ratio) × (principal + trading profit / loss) × loss rate The calculation formula for level 5 of detail when there are deposits and withdrawals after the principal is invested is as follows:

[0208] Unrealized profit / loss = Purchase profit weight × (1 - cash ratio) × (principal + trading profit / loss + deposits / withdrawals) × profit rate + (1 - purchase profit weight) × (1 - cash ratio) × (principal + trading profit / loss + deposits / withdrawals) × loss rate However, the winning rate is the unrealized profit rate, and the losing rate is the unrealized loss rate.

[0209] That is, in the server 3, the advice generation unit 321 may calculate evaluation indicators for unrealized profits and losses from basic numerical values, including buying and selling profits and losses, winning profit rate or losing loss rate, cash ratio, purchase win weight, and principal, and generate information indicating the calculated evaluation indicators.

[0210] Furthermore, after the evaluation according to the level of detail, it is determined which index has a major problem, and advice is generated suggesting that the index with the major problem should be improved. That is, in the server 3, the advice generation unit 321 may generate information indicating an index with a low evaluation, among a plurality of evaluation indexes related to unrealized profit and loss, with priority.

[0211] Furthermore, the advice generation unit 321 may generate information indicating a diagnosis, ranking, comparison, or advice using an evaluation index related to the total profit and loss or the unrealized profit and loss. For example, since various evaluations become possible by calculating an evaluation index, the product may be compared with other products in terms of the evaluation index, and the comparison results may be included in the diagnosis, ranking, comparison, or advice.

[0212] (Evaluation, diagnosis and advice on owned products) In the server 3, the advice generation unit 321 may calculate the total purchase price (purchase price), the product valuation amount, and the benchmark valuation amount from the basic numerical values, compare the total purchase price, the product valuation amount, and the benchmark valuation amount, and generate information indicating a diagnosis or advice regarding the asset status based on the comparison result.

[0213] FIG. 14 is a diagram showing an example of evaluation indexes for owned products according to this embodiment.

[0214] The procedure by which the advice generating unit 321 evaluates the asset status of a product held by a user, that is, a product that has not been traded after purchase (or sale in the case of short selling), is shown below. A comprehensive evaluation of the held product can be performed by the following procedure.

[0215] (S1) The advice generation unit 321 calculates "purchase price x price fluctuation rate of the product" for each product held. The price fluctuation rate of a product is the rate of increase or decrease from the time of purchase to the present. The advice generation unit 321 calculates the price fluctuation rate of a product using the following formula 1.

[0216] Product fluctuation rate = (current valuation amount - purchase price) / purchase price × 100 [%] Formula 1 (S2) The advice generation unit 321 adds up the "purchase price x the rate of change of the product" for each product held. This total amount is the product appraisal amount. The product appraisal amount indicates the sum of the current appraisal amounts for each product held.

[0217] (S3) The advice generation unit 321 calculates the "recommended buy amount x benchmark change rate" for each product held. The benchmark change rate is the rate of change from the time of the buy recommendation to the present. The benchmark is not limited to the Nikkei average, TOPIX, etc., but may also be an evaluation amount calculated by dedicated software, the stock price of a specific stock, etc. The advice generation unit 321 calculates the benchmark change rate using the following formula 1.

[0218] Benchmark change rate = (current benchmark - benchmark at time of buy recommendation) / benchmark at time of buy recommendation × 100 [%] Formula 2 (S4) The advice generation unit 321 adds up the "recommended purchase price x benchmark fluctuation rate" for each product held. This total amount is the benchmark valuation amount. The benchmark valuation amount indicates the total current valuation amount for the product, assuming that a product linked to the benchmark was purchased for the same price.

[0219] (S5) The advice generation unit 321 compares the total purchase price, the product valuation amount, and the benchmark valuation amount, and generates information indicating a diagnosis or advice regarding the asset status according to the comparison result. The total purchase price indicates the total purchase price for each owned product.

[0220] This allows you to, for example, evaluate how much the product valuation exceeds the benchmark valuation, or how much it falls short if the product valuation is below the benchmark valuation. If the benchmark is the Nikkei 225 index, you can infer that investing in Nikkei 225 index products will produce better results than actual investment products, and diagnose problems with stock selection.

[0221] Furthermore, even if the benchmark valuation exceeds the product valuation, there are many investment targets that have achieved better performance during the period in question, so by showing their performance, it is possible to provide hints and advice on how to achieve better performance. For example, a good example of hints and advice would be to say that if you had held stock B for only the relevant period, you would have achieved three times the performance of stock A.

[0222] (Pattern classification of products held) FIG. 15 is a diagram showing an example of patterns of owned products according to this embodiment.

[0223] In the server 3, the advice generation unit 321 may acquire uncountered trading data from the trading data, classify the uncountered trading data into patterns according to the current price, purchase price, rate of change, and benchmark rate of change of the investment product held, calculate the purchase price or product valuation amount for each pattern from the uncountered trading data, and generate information indicating a diagnosis or advice regarding the asset status according to the ratio of the purchase price or product valuation amount for each pattern.

[0224] First, the advice generation unit 321 performs pattern classification for each held commodity. The advice generation unit 321 classifies the commodity held by the user into the following four patterns. That is, winning pattern 1 is when the current price is greater than the purchase price and the stock's rate of change is greater than the benchmark rate of change. Winning pattern 2 is when the current price is greater than the purchase price and the stock's rate of change is less than the benchmark rate of change. Losing pattern 1 is when the current price is less than the purchase price and the stock's rate of change is greater than the benchmark rate of change. Losing pattern 2 is when the current price is less than the purchase price and the stock's rate of change is less than the benchmark rate of change.

[0225] Next, the advice generation unit 321 calculates the total purchase price or the product evaluation amount for each of the above four patterns, calculates the ratio of the amount of each pattern to the total of the four patterns, and generates a diagnosis or advice based on the ratio of each pattern or which pattern has the largest amount.

[0226] For example, if winning pattern 1 is 70% and winning pattern 2 is 30%, the advice generation unit 321 generates a diagnosis that "it is above average, and the stock to buy and the timing to buy are good," and an advice that "the only thing left to do is to refer to the indicator of how much it is above average."

[0227] Furthermore, if winning pattern 2 is 80%, winning pattern 1 is 10%, and losing pattern 1 is 10%, the advice generation unit 321 will diagnose that "You are making a profit, but it is not exceeding the benchmark," and generate advice that "There is a lot of room for improvement. We would like to aim for results that exceed the average."

[0228] Furthermore, if losing pattern 1 accounts for 80%, the advice generation unit 321 will diagnose that losses are occurring as the benchmark falls, such as "Although you have incurred losses, this is because the benchmark has fallen. Considering this, your losses have been kept small," and generate advice recommending early loss cutting, such as "However, this does not change the fact that you have recorded losses, so it is important that you do not hold the stock in question for long, for example by cutting your losses early."

[0229] Furthermore, if losing pattern 2 accounts for 90% of the time, the diagnosis is that "unrealized losses are holding you back significantly," and the advice is generated that "we recommend improving both your buying timing and stock selection. Stop-loss techniques are also important, so you should learn not only stock selection and buying timing, but also how to stop losses when you fail, as soon as possible."

[0230] (Effect of evaluating unrealized gains and losses) By including trading profits and losses in the components of unrealized profits and losses and adding them to the evaluation targets, the following effects are achieved.

[0231] First, unrealized profits and losses are heavily influenced by already confirmed losses and profits (profits and losses on trading), and if confirmed profits are large, the purchase price will increase. This means that if the profit on trading is large, a larger profit can be made even with the same profit margin. Conversely, if the profit on trading is negative, the purchase price will decrease, so even with the same profit margin, the profit will be smaller.

[0232] (Principal + trading profit / loss) ÷ principal, or (Principal + trading profit / loss + deposits / withdrawals) ÷ (Principal + deposits / withdrawals) is an indicator that shows how much the principal has increased due to trading profits / losses. The purchase price, which is one of the elements that make up unrealized profit / loss, is expressed as (Principal + trading profit / loss - cash balance), so these indicators are factors that greatly affect unrealized profit / loss.

[0233] As described above, by clarifying that increases and decreases in trading profits and losses have a large impact on unrealized profits and losses, the so-called compound interest effect becomes clear and can be quantified in the evaluation and diagnosis of investment profits and losses.

[0234] In addition, the weight of winning purchases and the cash ratio are important evaluation indicators, and it is important to increase the weight of winning purchases among the products held. As with trading profits and losses, it is also important to increase the difference between the winning return rate (unrealized profit rate) and the losing loss rate (unrealized loss rate), and this is also included in the evaluation. This allows for multifaceted evaluation and diagnosis, even for the same unrealized profit and loss.

[0235] Furthermore, if the cash ratio is too high, opportunity losses will occur, and the unrealized profits that would have been made can also be roughly calculated, making these important factors to evaluate. Opportunity losses can be calculated by multiplying cash by unrealized profit / loss ratio. Furthermore, the winning profit rate (unrealized profit rate), losing loss rate (unrealized loss rate), and the difference between them are important factors in managing unrealized profit / loss, and are therefore also subject to evaluation. If there are a large number of unrealized losses that exceed the trading profit / loss, this is a major problem and should be improved first.

[0236] For example, it becomes important to understand how to increase the winning profit rate and how to reduce the losing loss rate (unrealized loss rate), making it possible to make a multifaceted evaluation.

[0237] Diagnosis can be made based on these evaluation values. Various comparisons can then be made, such as with others or with the average. Ranking is also possible. As a result, advice can be given based on the evaluation, diagnosis, and comparison rankings.

[0238] [Embodiment 2] A second embodiment of the present invention will be described below. For ease of explanation, the same reference numerals will be used to designate components having the same functions as those described in the first embodiment, and the description thereof will not be repeated.

[0239] In this embodiment, in addition to evaluating actual buying and selling, the user also performs virtual buying and selling (simulations) based on past actual stock prices and events, and the advice generating unit 321 of the server 3 evaluates the virtual buying and selling. That is, unlike the case of actual buying and selling data, the user makes buying and selling decisions based on past stock prices and events by answering questions displayed on the terminal 2. Then, the advice generating unit 321 evaluates the buying and selling and profits and losses diverging depending on the individual decisions of the user.

[0240] In detail, the server 3 generates information regarding past virtual trading of investment products. In the server 3, the advice generation unit 321 acquires initial conditions including the start time of the virtual trading and the assumed investment product and cash holdings at the start time. Then, using the initial conditions, the advice generation unit 321 sequentially generates two or more question screens including dates of events that have occurred since the start time, as well as questions and options regarding the trading of investment products.

[0241] The question screen may further include an event.

[0242] The question screen may also include the appraised value of assets held, including investment products and cash, on the date of the event.

[0243] The advice generating unit 321 may also set the valuation amount of each investment product on the date of the first event to 100, and calculate the valuation amount of each investment product on the date of the second or subsequent event as an index relative to 100.

[0244] Fig. 16 is a diagram showing an example of the initial screen of the stock investment simulation (virtual buying and selling) according to this embodiment. As shown in Fig. 16, the terminal 2 displays the initial screen of the stock investment simulation. When the user clicks the "Start" button displayed on the initial screen, the terminal 2 starts the stock investment simulation.

[0245] FIG. 17 is a diagram showing an example of a question screen for a stock investment simulation according to this embodiment. As shown in FIG. 17, terminal 2 displays the question screen for the stock investment simulation. The question screen displays an event, date, question, hint, elapsed time, held assets, and options. The event indicates an event occurring at that time. The date indicates the date on which the event occurred. The question indicates a problem for the user. The hint indicates detailed investment advice, etc., different from the event. The elapsed time indicates the time that has elapsed since the start of the stock investment simulation. The held assets indicate the amount of assets currently held by the user. There are four options for each question, for example, sell AJ Company stock, hold BJ Company stock, switch CJ Company stock to K Company stock, and switch DJ Company stock to L Company stock.

[0246] The process is explained below, which includes initial conditions, question 1, and result report.

[0247] (initial conditions) The initial conditions include the date, holdings (stock name and number of shares, cash), and initial valuation amount. The initial valuation amount is the valuation amount of all assets including stocks and cash. The initial conditions may be default conditions stored in the server 3, or may be set by the user.

[0248] Below are some specific examples of initial conditions. ·Date 0 is defined as the starting point of the stock investment simulation. Case of holding four stocks (A, B, C, D) The number of shares of stock A is a1, stock B is b1, stock C is c1, and stock D is d1. Initial valuation amount α (for example, 4 million yen) The conversion may be based on the actual number of shares, or the valuation of each stock at the time of starting the stock investment simulation may be indexed and set to 100. The user may start the stock investment simulation with only cash in hand, or may hold both cash and stocks in a predetermined ratio.

[0249] FIG. 18 is a diagram showing the progress of stock prices in a stock investment simulation according to this embodiment. FIG. 18 shows actual stock prices and simulated stock prices on the dates of each event. Actual stock prices are literally actual stock prices. Simulated stock prices are stock prices expressed as an index, with the stock price of each stock on June 23, 2016 being set at 100, and from that point onwards, the stock price of each stock is expressed as an index relative to 100.

[0250] FIG. 19 is a diagram showing the transition of valuation amounts for each branch of each question in the stock investment simulation according to this embodiment. The valuation amount of each stock on June 23, 2016 is set to the initial base index of 100. In addition, the valuation amount of each stock at the time of branching of Question 2 on November 9, 2016 is set to 91, which is the valuation amount of a certain stock and is an index of 100. These are intended to make it easier to look at the subsequent transition of valuation amounts and evaluate which stocks should have been purchased at that time.

[0251] For example, if you switch stocks from Company G to Company E, you will actually end up with excess cash. This would be complicated, so let's assume that all of the proceeds from the sale were transferred to Company E. Therefore, as of November 9, 2016, the valuation of Company E would be 91. In reality, if you assume there is excess cash, the valuation of 91 will be broken down into Company E 80 and cash 11. The valuation of 91 is based on the assumption that there is zero cash, but to make it more realistic, it is also possible to consider a case where there is excess cash.

[0252] The above case assumes that all proceeds from the sale are used to purchase the stock, but due to the unit price of the stock, it is more realistic to have excess cash. In this case, the cash balance changes when the stock is replaced, and such a case can also be displayed.

[0253] Each question is explained below. The dates for each question (Question 1 to Question 5) are 2016 / 6 / 23, 2016 / 11 / 9, 2016 / 12 / 7, 2016 / 12 / 27, and 2018 / 2 / 9, respectively.

[0254] (Question 1) Date 1 (2016 / 6 / 23) Valuation β (total valuation calculated based on the stock price of each of A, B, C, and D as of date 1) -Explanation of the situation of stock A and presentation of options -Explanation of the overall market situation and the current situation of stocks that require judgment 4 case options In the case of holding stocks, examples would be selling stock A, maintaining stock A, switching to stock E, and switching to stock F. If starting a stock investment simulation with only cash, examples of options would be buying stock A, holding cash, or buying other stocks.

[0255] (Question 2) Date 2 (2016 / 11 / 9) Holdings Explanation of the situation of stock B and presentation of options 4 options (selling stock B, holding stock B, switching to stock G, switching to stock H) (Question 3) Date 3 (2016 / 12 / 7) -Explanation of the situation of stock C and presentation of options 4 options (selling stock C, holding stock C, switching to stock I, switching to stock J) (Question 4) Date 4 (2016 / 12 / 27) -Explanation of the situation of stock D and presentation of options 4 options (selling stock D, holding stock D, switching to stock K, switching to stock L) (Question 5) Date 5 (2018 / 2 / 9) Two options (selling holdings, postponing the sale of holdings) Depending on the answers to questions 1 to 5, 4 x 4 x 4 x 4 x 2 = 512 possible valuation values ​​will be calculated.

[0256] The stock prices of each stock on each date are 1A as the "closing price of stock A on the date of question 1," 2C as the "closing price of stock C on the date of question 2," and so on. The stock prices at the start of the stock investment simulation are 0A, 0B, 0C, and 0D.

[0257] The advice generating unit 321 calculates the valuation amount (index-based) of all patterns, assuming that the index at the start of trading for each stock is 100.

[0258] First, the advice generating unit 321 calculates four types of evaluation amounts as of date 1 for question 1 as follows.

[0259] (1) Case where stock A was sold The sum of 1A x a1 (cash), 1B x b1, 1C x c1, and 1D x d1. Or, if index-based, the sum of 100 x 1A / 0A, 100 x 1B / 0B, 100 x 1C / 0C, and 100 x 1D / 0D.

[0260] (2) Case where stock A was held The sum of 1A×a1 (stock A), 1B×b1 (stock B), 1C×c1 (stock C), and 1D×d1 (stock D).

[0261] (3) Case of switching from stock A to stock E 1E×e1 E stock (number of E stocks calculated as 1A x a1 ÷ 1E: e1 shares) Total of 1B×b1, 1C×c1, and 1D×d1.

[0262] (4) Case of switching from stock A to stock F 1F×f1 F stock (number of shares of F stock calculated by 1A x a1 ÷ 1F: f1 shares) Total of 1B×b1, 1C×c1, and 1D×d1.

[0263] Next, the advice generating unit 321 calculates the evaluation amount of each case branching off from question 1 at the time of question 2 as follows.

[0264] (1) Case where stock A was sold The sum of 1A x a1 (cash), 2B x b1, 2C x c1, and 2D x d1. If index-based, the sum of 100 x 1A / 0A, 100 x 2B / 0B, 100 x 2C / 0C, and 100 x 2D / 0D.

[0265] (2) Case where stock A was held The sum of 2A×a1 (stock A), 2B×b1, 2C×c1, and 2D×d1.

[0266] (3) Switch to E stock 2E×e1 E stock (number of E stocks calculated as 1A x a1 ÷ 1E: e1 shares) Total of 2B×b1, 2C×c1, and 2D×d1.

[0267] (4) Switch to F stock 2F×f1 F stock (1A x a1 ÷ 1F to calculate the number of shares of F stock: f1 shares) Total of 2B×b1, 2C×c1, and 2D×d1.

[0268] Similarly, the advice generating unit 321 calculates the valuation amount for each combination by setting the stock price of the stock held or the stock to the stock price on the date of question 3 and question 4. This makes it possible to grasp the trend in the valuation amount of the stock.

[0269] For example, in case 3 of question 1, because a switch is made from stock A to stock E, the valuation value will subsequently fluctuate at the stock price of stock E. For example, in case 3 of question 2, because a switch is made from stock B to stock G, the valuation value will initially fluctuate at the stock price of stock B, but after the switch, the valuation value will fluctuate at the stock price of stock E.

[0270] In this way, four different valuation transitions are formed for each question. Therefore, depending on the combination, there are 512 possible combinations in this case. In other words, when a user answers each question, there are 512 possible branching possibilities.

[0271] The valuation value of each asset changes over time, and there are 512 possible outcomes for the final value.

[0272] Based on the above, it is possible to calculate the valuation value for the four cases in question 1 and understand their trends. It is possible to calculate the valuation value for the four cases in question 2 and understand their trends. The valuation value for the four cases in question 1, the valuation value for the four cases in question 2, the valuation value for the four cases in question 3, and the valuation value for the four cases in question 4 can be calculated using the stock price at each point in time.

[0273] (Example) For example, in the specific example, the best-case scenario was to choose the third option and sell all three stocks except Recruit in February 2018. The valuation was 10.02 million yen.

[0274] On the other hand, the worst case scenario is when all options are selected. The valuation is 1.12 million yen.

[0275] In other words, all 512 cases fall within the range of 1.12 million yen to 10.2 million yen. Then, the ranking of the final valuation amount can be calculated.

[0276] The best case scenario is, of course, number 1. The worst case scenario is, of course, number 512.

[0277] The answer results will include ranking position, final valuation amount, valuation trend, final shares and cash held, valuation gains, unrealized gains / losses, trading gains / losses, turnover, diagnosis results, win rate, profit rate if winning, loss rate if losing, valuation figures, advice, and other results.

[0278] (Variation) By selecting an option according to the date, the change in the valuation for that question will be determined. This makes it possible to track the valuation over time. Initially, you can start with just cash. To clarify the effect of compound interest, you can further branch out the questions, such as asking what to do with the stocks that were replaced in the question. This is just one example, and there can be fewer or more questions.

[0279] The more questions there are, the wider the gap, the more branches there are, and the more combinations there are. The more options there are in a question, the closer it is to reality, and the more combinations there are.

[0280] It can include decisions on multiple stocks on the same date, partial sales, etc. It can also include short sales and ETFs.

[0281] (Learning process) Depending on the evaluation, the user may be directed to e-learning materials to strengthen weak points. For example, if the evaluation shows that profit-taking sales are too quick and turnover is too high, resulting in poor trading results, the database will be checked for related materials, and learning will be encouraged by providing links or content.

[0282] In the advice presentation system 1, depending on the evaluation, the user is given learning and theory to strengthen their weaknesses, and through this learning, a system is implemented in which their practice changes, their trading changes, and their evaluation changes.

[0283] E-learning has a system in place that prevents progress unless you take tests and confirmation tests. By linking this system to reinforce weak points and encourage learning, the system works to improve investment results by conducting practical trading again.

[0284] According to the above, when a user does not know what to learn or how to improve, a learning path can be provided to the user.

[0285] (Effects of the second embodiment) Users can experience how their individual buying and selling decisions affect their results (valuation), how their evaluations diverge, and how their rankings change. Furthermore, users can understand and experience the process by which their personal assets change dynamically and investment disparities widen. In other words, users can experience for themselves how individual buying and selling decisions have a significant impact on their investment results.

[0286] This can motivate users to learn about asset management, further increasing the effectiveness of the learning.

[0287] [Embodiment 3] A third embodiment of the present invention will be described below. For ease of explanation, the same reference numerals will be used to designate components having the same functions as those described in the first and second embodiments, and the description thereof will not be repeated.

[0288] In this embodiment, a comprehensive diagnosis performed by the advice presentation system 1 will be described.

[0289] (Definition of Comprehensive Profit and Loss and Comprehensive Diagnosis) The total profit and loss is the sum of unrealized profit and loss and trading profit and loss. The comprehensive diagnosis is a diagnosis that combines individual diagnoses of the total profit and loss, unrealized profit and loss, trading profit and loss, etc.

[0290] The advice generating unit 321 performs a comprehensive diagnosis of the user's trading situation by combining individual diagnoses of the total profit and loss, the unrealized profit and loss, and the trading profit and loss.

[0291] (The significance of comprehensive diagnosis) In reality, investment results are the result of a complex interplay of factors. A high profit margin usually means low turnover when you win. Conversely, a low loss margin usually means high turnover. It is important to comprehensively assess these complex factors in order to see the big picture.

[0292] For example, the greater the trading profit, the greater the impact on the composition of unrealized gains, making the compound interest effect clearer. Conversely, if there is no trading profit, no matter how high the unrealized gain rate, the funds will not increase as much as expected. There are also cases where a low profit rate can be covered by a high turnover. Each element influences the others in a complex way.

[0293] For example, if the winning rate is low, but the winning profit rate is high and the losing loss rate is low, then the investment is very good. If the winning rate is low, the winning profit rate is low, and the losing loss rate is low, and the "winning profit rate + losing loss rate" is negative, then the investment has resulted in a significant decrease in assets. Even if the other numbers are the same, a small number can lead to completely different results, so a comprehensive diagnosis is very important.

[0294] (Effects of comprehensive diagnosis and specific examples) Even if the results of individual diagnoses alone are not sufficient to determine the cause, accurate diagnostic results can be obtained by combining the results of multiple individual diagnoses to perform a comprehensive diagnosis.

[0295] For example, when it comes to trading profits, if the profit is ±0 but there is unrealized profit, and if the winning stocks are held for a long period, only good stocks remain, and bad stocks are quickly abandoned, then looking at the results of trading profits and losses alone will lead to a wrong diagnosis.This is one example of how an appropriate diagnosis can only be made after making a comprehensive judgment that includes a diagnosis of unrealized profits and losses and an analysis of winning patterns.

[0296] Even if the turnover is high, the holding period is short, and the winning rate and losing rate are low, some people are able to make money from the winning rate and manage their investments well. One example is that even if the diagnosis is not very good individually, if there are other outstanding aspects, the overall diagnosis result will be good.

[0297] These specific examples produce diagnostic results that are opposite to those of individual diagnoses, and are the reason why comprehensive diagnosis is necessary.

[0298] (Comprehensive diagnostic process) The total profit and loss, which is the unrealized gain and the profit and loss on purchases and sales, is formed by the intertwining of various factors. The annual rate of increase in principal is determined by even more complex factors, and even when the same results are achieved, there are various types and circumstances. Diagnosing the complex factors is essential for analyzing the situation, and this process is done by combining various evaluation indicators.

[0299] (About type-specific diagnosis) Type-specific diagnosis is one of the comprehensive diagnosis methods performed by the advice presentation system 1. In the type-specific diagnosis process, the advice generation unit 321 calculates various evaluation indexes, determines a combination of the evaluation indexes (a range of two or more evaluation indexes), and then classifies the user's buying and selling status according to the numerical values ​​of the evaluation indexes.

[0300] Depending on how various indicators are combined, it is possible to classify trading conditions into patterns. The patterns resulting from the classification are defined as types.

[0301] There are various types. They can be broadly classified, or they can be more specifically classified. The elements necessary to determine the type are the various evaluation indicators such as the aforementioned rotational force and winning profit rate. Types can be classified depending on how the various evaluation indicators are combined.

[0302] The various types are determined because it is possible to fit them to a certain extent by combining evaluation indicators. By simply changing the dividing numbers, a type can be changed from A to B, and the divisions that were previously rough and unclear can now be clearly distinguished by numbers, making it possible to manage each type.

[0303] (Specific examples of type classification) The short-term day trading type has very high turnover, with capital turnover times ranging from one to several days, and the winning profit rate and losing loss rate are both sufficiently small, making the winning rate the determining factor in profitability.

[0304] The short-term swing trade type has a high turnover rate, with the principal turnover period being around one week (4 to 14 days, etc.), and the winning profit rate and losing loss rate are small at around 5%, so here too the winning rate is the determining factor in profitability.

[0305] The large price fluctuation type has low turnover, but their assets are increasing because their winning profit rate overwhelmingly exceeds their losing loss rate.

[0306] The long-term fixed-rate type has low turnover, an average holding period of over 360 days, and is dominated by unrealized gains and losses rather than actual trading gains and losses. The breakdown of unrealized gains and losses is also large, with both the winning profit rate (unrealized) and the losing loss rate (unrealized), making it a type that is unable to sell.

[0307] The salted type has low turnover, a high loss rate, a low profit rate, and is carrying unrealized losses.

[0308] The important thing is that the types are classified by a combination of evaluation indicators, and a line can be drawn using objective figures. This can be derived by combining multiple lines shown in each individual diagnosis.

[0309] For example, if the evaluation value with rotational force diagnosis is within three days and the winning pattern analysis shows a high weight (50% or more), this is pattern 1. In any case, this is a type that achieves results through operations that make effective use of rotation, and is positioned as a trend-following, high-turnover type.

[0310] Various combinations are possible, and the combinations can be freely used to create numerous different types. The various evaluation indicators that form the basis of individual diagnoses can produce sufficient diagnostic results on their own, but by utilizing these combinations, even more in-depth analysis becomes possible, resulting in a deeper and more precise diagnosis.

[0311] For example, in an individual diagnosis, the turnover is between 7 and 30 days, the winning profit rate is over 20%, and the losing loss rate is kept to 10% or less. There are 200 people in this type, and all of them have a high rate of capital increase, with 70% seeing their assets increase by 20% or more per year, and even on average, they increase by 25% per year. This allows for type-specific diagnosis and analysis.

[0312] (Effect of type-specific diagnosis) The effects of type-specific diagnosis include clarifying the user's own type, making it easier to compare with others, and letting the user know that there are various ways to improve. In particular, by comparing and ranking with people of the same type, the user's own position becomes clear, providing a guidepost for improvement.

[0313] (Rankings by type, comparison) One of the methods of comprehensive diagnosis performed by the advice presentation system 1 is to compare and rank evaluation values ​​including principal increase / decrease rates among types grouped by multiple factors. The advice generation unit 321 compares and ranks the above evaluation values ​​of users for each type classified according to the numerical values ​​of multiple evaluation indicators.

[0314] By ranking and comparing the above evaluation values ​​for each type, it becomes possible to compare and rank the above evaluation values ​​among groups that are doing similar things.

[0315] It is possible to learn from others how to improve in a similar way. For example, people who have achieved good results in swing trading use what numbers are good as a reference.

[0316] (Ranking by type, comparison effect) By calculating the above evaluation values ​​for each type, it is expected that it will become clear which types are superior and which types are inferior. For example, this will lead to results such as the average principal increase rate (annual rate) for swing traders being 10%, but the average principal increase rate (annual rate) for large price fluctuation traders being 25%, and fewer people failing.

[0317] For example, if the numbers of the person who brings the best results among the above types are very high win rate, high profit margin, and mostly 1 in the winning pattern, the user can compare their own numbers and try to improve the numbers that are inferior. Also, even if the ranking is good overall, the numbers of the user's own type can be easily compared with others, allowing for more in-depth analysis.

[0318] (Example of a diagnostic result report) Below is an example of a report of the diagnostic results for the user's trading status. Note that (dynamic change) below refers to text or numbers that change dynamically depending on the user's trading data.

[0319] Below is an example of a comprehensive diagnostic report. ◎Comprehensive diagnosis ☆ Type diagnosis Mr. A's trading type was determined to be swing trading type (dynamic changes). ☆Type description The swing trade type (dynamic change) is a short-term swing trade type with high turnover, the principal turnover period is about one week (4 to 14 days, etc.), the profit rate and loss rate are small at around 5%, and the win rate is also the deciding factor in profitability. ☆Your ranking among swing trade types (principal increase / decrease rate (annual simple interest) is 3rd out of 100 (dynamic change)). ☆ Type ranking (compared by average principal increase / decrease rate (annual simple interest)) 25th out of 50 types (dynamic change) ☆Your overall ranking is 250th out of 1000 people (dynamic change). ☆Combination diagnosis Trading profit calculation formula and unrealized profit / loss calculation formula (dynamic changes) ☆Comparison with average values ​​(dynamic changes) ☆Excellent values ​​(dynamic changes) ☆Unfavorable figures (dynamic changes) ☆Comprehensive diagnosis results (dynamic changes) This is an excellent third place among swing traders, but overall it is only 250th out of 1,000 people, so there seems to be plenty of room for improvement.

[0320] Particularly good figures are the rotational power and win rate, while poor figures are the result of low win profit rate.

[0321] Below is an example of an individual diagnostic result report. ◎Individual diagnosis ☆Rotational force diagnosis Diagnostic results (dynamic changes) Evaluation Numerical Table (Dynamic Change) Explanation (Dynamic Change) ☆ Profitability diagnosis ☆Loss rate diagnosis ☆Winning pattern analysis ☆Losing pattern analysis ☆ Trading profit and loss analysis ☆Unrealized profit and loss analysis ☆ Overall profit and loss analysis [Software implementation example] The control blocks of the terminal 2 and the server 3 (particularly, the control unit 22, the control unit 32, and the advice generation unit 321) may be realized by a logic circuit (hardware) formed on an integrated circuit (IC chip) or the like, or may be realized by software.

[0322] In the latter case, the terminal 2 and the server 3 each include a computer that executes instructions from a program, which is software that realizes each function. This computer includes, for example, one or more processors and a computer-readable recording medium that stores the program. The object of the present invention is achieved when the processor in the computer reads and executes the program from the recording medium. The processor may be, for example, a CPU (Central Processing Unit). The recording medium may be a "non-transitory tangible medium," such as a ROM (Read Only Memory), a tape, a disk, a card, a semiconductor memory, or a programmable logic circuit. The computer may also include a RAM (Random Access Memory) for storing the program. The program may be supplied to the computer via any transmission medium capable of transmitting the program (such as a communication network or broadcast waves). One aspect of the present invention may also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

[0323] [Appendix 1] An information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an information generating unit that acquires buying and selling data of the investment products, acquires basic data from the acquired buying and selling data, calculates evaluation indicators related to buying and selling profits and losses and unrealized profits and losses from the acquired basic data, acquires evaluation indicators related to overall profits and losses from the calculated evaluation indicators, and generates information indicating the acquired evaluation indicators.

[0324] According to the above configuration, it is possible to provide an evaluation of the trading data of investment products, and in particular, an evaluation of the total profit and loss, which is the sum of the trading profit and loss and the unrealized profit and loss.

[0325] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate an evaluation index including trading profits and losses from the basic data as an evaluation index related to the unrealized profit and loss, and generate information indicating the calculated evaluation index.

[0326] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the profit and loss from buying and selling. In particular, it is possible to provide a simple evaluation.

[0327] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate an evaluation index including a trading profit / loss and a winning profit rate or a losing loss rate from the basic data as an evaluation index related to the unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0328] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the trading profit and loss and the winning profit rate or the losing loss rate.

[0329] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate an evaluation index including a trading profit / loss, a winning profit rate or a losing loss rate, and a cash ratio from the basic data as an evaluation index related to the unrealized profit / loss, and generate information indicating the calculated evaluation index.

[0330] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the trading profit and loss, the winning profit rate or the losing loss rate, and the cash ratio.

[0331] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate evaluation indicators including trading profit and loss, winning profit rate or losing loss rate, cash ratio, and purchase win weight from the basic data as evaluation indicators related to the unrealized profit and loss, and generate information indicating the calculated evaluation indicators.

[0332] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss that takes into account the profit and loss on purchases, the profit rate or loss rate on losses, the cash ratio, and the purchase win weight.

[0333] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate evaluation indicators including trading profits and losses, winning profit rates or losing loss rates, cash ratios, purchase win weights, and principal from the basic data as evaluation indicators related to the unrealized profits and losses, and generate information indicating the calculated evaluation indicators.

[0334] According to the above configuration, it is possible to provide an evaluation of the overall profit and loss taking into account the trading profit and loss, the winning profit rate or the losing loss rate, the cash ratio, the purchase winning weight, and the principal.

[0335] In the information generating device according to an aspect of the present invention, the information generating unit may generate information indicating an index with a low evaluation from among the plurality of evaluation indexes relating to the unrealized gains and losses.

[0336] According to the above configuration, information indicating indices with low evaluations is generated with priority, so that the user can focus on indices with large problems and efficiently improve the overall profit and loss.

[0337] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may generate information indicating a diagnosis, ranking, comparison, or advice using an evaluation index relating to the total profit and loss or the unrealized profit and loss.

[0338] According to the above configuration, it is possible to provide meaningful information to the user using an evaluation index relating to total profit and loss or unrealized profit and loss.

[0339] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may calculate the purchase price, the product valuation amount, and the benchmark valuation amount from the basic data, compare the purchase price, the product valuation amount, and the benchmark valuation amount, and generate information indicating a diagnosis or advice regarding the asset status based on the comparison result.

[0340] According to the above configuration, it is possible to provide a diagnosis or advice regarding asset status that takes into account not only fluctuations in the valuation amount of an investment product but also a comparison of the valuation amount of the investment product with that of a benchmark.

[0341] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may acquire uncountered trading data from the trading data, classify the uncountered trading data into patterns according to the current price, purchase price, rate of change, and benchmark rate of change of the investment product held, calculate the purchase price or product valuation amount for each pattern from the uncountered trading data, and generate information indicating a diagnosis or advice regarding the asset status according to the ratio of the purchase price or product valuation amount for each pattern.

[0342] According to the above configuration, it is possible to provide a diagnosis or advice regarding asset status that takes into account the current price, purchase price, rate of change of the held products, and the amount ratio for each pattern according to the rate of change of the benchmark.

[0343] [Appendix 2] An information generating device according to one embodiment of the present invention is an information generating device that generates information relating to past virtual trading of investment products, and includes an information generating unit that acquires initial conditions including the start time of the virtual trading and the assumed holding status of the investment product and cash at the start time, and uses the initial conditions to sequentially generate two or more question screens including dates of events that have occurred since the start time, as well as questions and options relating to the trading of the investment product.

[0344] According to the above configuration, a user is asked questions about past buying and selling of investment products, and by selecting one answer from the options, the user can virtually experience past buying and selling of investment products.

[0345] In the information generating device according to an aspect of the present invention, the question screen may further include the event.

[0346] According to the above configuration, the user can check events that have occurred in the past, which provides the user with information to help them make decisions regarding the buying and selling of investment products.

[0347] In addition, in the information generating device according to one aspect of the present invention, the question screen may further include the appraised value of assets held, including the investment product and cash, on the date of the event.

[0348] According to the above configuration, it is possible to provide an evaluation of past virtual trading data of investment products.

[0349] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may set the valuation amount of each investment product on the date of the first event to 100, and calculate the valuation amount of each investment product on the date of the second or subsequent event as an index relative to 100.

[0350] According to the above configuration, the valuation amount of each investment product is set to 100 on the date of the first event, and the valuation amount on the date of the second or subsequent event is calculated as an index relative to 100, so that the user can intuitively grasp the trends in the valuation amount of each investment product and the comparison results.

[0351] Furthermore, an information generation system according to one aspect of the present invention is an information presentation system including the information generation device and a terminal device, wherein the terminal device presents the information generated by the information generation unit to a user.

[0352] According to the above configuration, it is possible to provide an evaluation of the trading data of investment products.

[0353] [Appendix 3] In order to solve the above problem, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and is equipped with an acquisition unit that acquires buying and selling data of investment products, a calculation unit that calculates evaluation indicators related to buying and selling profits and losses and unrealized profits and losses from the acquired buying and selling data, and an information generating unit that classifies the buying and selling data into types according to the combination of each calculated evaluation indicator, and generates information regarding diagnosis for each type.

[0354] According to the above configuration, information relating to diagnosis is generated for each type of investment product trading data, making it possible to provide type-specific diagnoses.

[0355] In addition, in the information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indexes including turnover and winning profit rate.

[0356] According to the above configuration, since the evaluation index includes the turnover force and the winning profit rate, the type classification of the trading data of the investment product can be performed appropriately.

[0357] In addition, in the information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indicators that further include the number of days for principal turnover and the loss rate.

[0358] According to the above configuration, since the evaluation index further includes the principal turnover period and the loss rate, it is possible to more appropriately classify the types of trading data of investment products.

[0359] In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading data into types according to a combination of evaluation indexes that further include a rotational force diagnosis and a winning pattern analysis weight.

[0360] According to the above configuration, since the evaluation index further includes the turnover force diagnosis and the winning pattern analysis weight, it is possible to more appropriately classify the types of trading data of investment products.

[0361] In the information generating device according to an aspect of the present invention, the information generating unit may compare and rank the classified types in terms of evaluation indexes.

[0362] According to the above configuration, trading data of investment products can be evaluated among the classified types.

[0363] In the information generating device according to an aspect of the present invention, the information generating unit may compare and rank the evaluation indexes for each classified type.

[0364] According to the above configuration, it is possible to evaluate the trading data of investment products for each classified type.

[0365] Furthermore, an information presentation system according to one aspect of the present invention is an information presentation system including the information generation device and a terminal device, wherein the terminal device presents the information generated by the information generation unit to a user.

[0366] According to the above configuration, information relating to diagnosis is generated for each type of investment product trading data, making it possible to provide type-specific diagnoses.

[0367] [Appendix 4] In order to solve the above problem, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the virtual buying and selling of investment products, and is equipped with an information generating unit that generates multiple options regarding the buying and selling of investment products, and calculates the amount of assets held in the investment products that are virtually held as a result of selecting the options. According to the above configuration, it is possible to virtually know how the amount of assets held will change through virtual buying and selling of investment products. In the information generating device according to an aspect of the present invention, the information generating unit may calculate the asset holding amounts as many times as the number of options. According to the above configuration, the amount of assets held changes as the number of options increases. In addition, in the information generating device according to one aspect of the present invention, the options may include selling, continuing to hold, and replacing the investment product. According to the above configuration, it is possible to know that the amount of assets held will change due to the sale, continued holding, and replacement of investment products. In addition, a virtual trading method according to one aspect of the present invention displays multiple options for virtual trading based on past stock prices on a display means of a communication terminal, selects one option to conduct a virtual stock trade, and calculates the amount of assets held after the virtual trade. According to the above configuration, it is possible to virtually know how the amount of assets held will change through virtual buying and selling of investment products. [Appendix 5] In order to solve the above problem, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates evaluation indicators from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types according to the combination of the calculated evaluation indicators and generates an explanation of the type for the user's buying and selling status. In addition, an information generating device according to one aspect of the present invention is an information generating device that generates information related to the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates evaluation indicators from the acquired user buying and selling data, and an information generating unit that classifies the user's buying and selling status into types according to the combination of the calculated evaluation indicators, diagnoses the user's buying and selling status, and generates information related to the diagnosis. In addition, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates evaluation indicators from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indicators, and generates information regarding diagnoses for each type. In addition, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates evaluation indicators regarding buying and selling profits and losses and evaluation indicators regarding unrealized profits and losses from the acquired user buying and selling data, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indicators, and generates information regarding diagnoses for each type. In addition, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and includes an acquisition unit that acquires user buying and selling data, a calculation unit that calculates, from the acquired user buying and selling data, an evaluation index related to the number of times each traded stock is bought and sold, and an evaluation index related to the average holding period of each traded stock, and an information generating unit that classifies users who have bought and sold the investment products into types according to the combination of the calculated evaluation indexes, and generates information regarding diagnoses for each type. In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be a cash ratio. In the information generating device according to an aspect of the present invention, one of the evaluation indexes included in the combination of evaluation indexes may be an average holding period for traded stocks. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading situation into types according to combinations of the evaluation indexes including turnover and winning profit rate. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading situation into types according to a combination of the evaluation indicators, which further include the number of days for principal turnover and the loss rate. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the trading situation into types according to a combination of the evaluation indexes, which further include a rotational force diagnosis and a winning pattern analysis weight. In the information generating device according to an aspect of the present invention, the information generating section may compare and rank the classified types with respect to each of the evaluation indexes. In the information generating device according to an aspect of the present invention, the information generating unit may compare and rank the evaluation indexes for each classified type. Furthermore, an information generation system according to one aspect of the present invention is an information generation system including an information generation device described in each of the above aspects and a terminal device, and the terminal device may be configured to display the information generated by the information generation device on the terminal device itself. Furthermore, an information generation program according to one aspect of the present invention may be an information generation program for causing a computer to function as the information generation device described in each of the above aspects, and may be configured to cause a computer to function as the above information generation unit. [Appendix 6] In order to solve the above problem, an information generating device according to one aspect of the present invention is an information generating device that generates information regarding the buying and selling of investment products, and is characterized by having an information generating unit that acquires buying and selling data of investment products, acquires sold and bought data from the buying and selling data, classifies the sold and bought data into patterns according to the purchase price, selling price, and current market value after the sale, calculates a total profit and loss for each classified pattern, calculates an evaluation index related to overall profit and loss from the calculated total profit and loss for each pattern, and generates information indicating the calculated evaluation index. In addition, in an information generating device according to one aspect of the present invention, the information generating unit may classify the traded data based on a comparison of the purchase price, the sale price, and the current market value after the sale in the traded data. In addition, in an information generating device according to one embodiment of the present invention, the information generating unit may classify the sold data as a winning pattern if (1) the buying price < the selling price < the current market price after the sale, (2) the buying price < the selling price, and the selling price ≥ the current market price after the sale, and the current market price after the sale > the buying price, or (3) the buying price < the selling price, and the selling price ≥ the current market price after the sale, and the current market price after the sale ≤ the buying price, and may classify the sold data as a winning pattern if (4) the buying price ≥ the selling price > the current market price after the sale, (5) the buying price ≥ the selling price, and the selling price ≤ the current market price after the sale, and the current market price after the sale > the buying price, or (6) the buying price ≥ the current market price after the sale ≥ the selling price. Furthermore, an information generation system according to one aspect of the present invention is an information generation system including an information generation device described in each of the above aspects and a terminal device, and the terminal device may be configured to display the information generated by the information generation device on the terminal device itself. Furthermore, an information generation program according to one aspect of the present invention may be an information generation program for causing a computer to function as the information generation device described in each of the above aspects, and may be configured to cause a computer to function as the above information generation unit.

[0368] The present invention is not limited to the above-described embodiments, and various modifications are possible within the scope of the claims. Embodiments obtained by appropriately combining the technical means disclosed in different embodiments are also included in the technical scope of the present invention. [Explanation of symbols]

[0369] 1. Advice presentation system (information presentation system) 2. Terminal (terminal device) 3. Server (information generating device) 4 Network 321 Advice Generation Unit (Information Generation Unit)

Claims

1. An information generating device that generates information regarding the buying and selling of investment products, an acquisition unit that acquires user trading data; a calculation unit that calculates an evaluation index from the acquired user trading data; an information generating unit that classifies the trading status of the user into types according to the combination of the calculated evaluation indexes and generates an explanation of the type for the trading status of the user; An information generating device comprising:

2. An information generating device that generates information regarding the buying and selling of investment products, an acquisition unit that acquires user trading data; a calculation unit that calculates an evaluation index from the acquired user trading data; an information generating unit that classifies the trading status of the user into types according to the combination of the calculated evaluation indexes, diagnoses the trading status of the user, and generates information related to the diagnosis; An information generating device comprising:

3. An information generating device that generates information regarding the buying and selling of investment products, an acquisition unit that acquires user trading data; a calculation unit that calculates an evaluation index from the acquired user trading data; an information generating unit that classifies users who have traded the investment product into types according to the combination of the calculated evaluation indexes, and generates information related to diagnosis for each type; An information generating device comprising:

4. An information generating device that generates information regarding the buying and selling of investment products, an acquisition unit that acquires user trading data; a calculation unit that calculates an evaluation index related to trading profit and loss and an evaluation index related to unrealized profit and loss from the acquired trading data of the user; an information generating unit that classifies users who have traded the investment product into types according to the combination of calculated evaluation indexes and generates information related to diagnosis for each type; An information generating device comprising:

5. An information generating device that generates information regarding the buying and selling of investment products, an acquisition unit that acquires user trading data; a calculation unit that calculates an evaluation index relating to the number of times a traded stock is traded and an evaluation index relating to the average holding period of the traded stock from the acquired trading data of the user; an information generating unit that classifies users who have traded the investment product into types according to the combination of calculated evaluation indexes and generates information related to diagnosis for each type; An information generating device comprising:

6. 4. The information generating device according to claim 1, wherein one of the evaluation indices included in the combination of evaluation indices is a cash ratio.

7. 4. The information generating device according to claim 1, wherein one of the evaluation indexes included in the combination of evaluation indexes is an average holding period for traded stocks.

8. The information generating unit 2. The information generating device according to claim 1, wherein the trading situations are classified into types according to combinations of the evaluation indexes including turnover and winning profit rate.

9. The information generating unit 9. The information generating device according to claim 8, wherein the trading status is classified into types according to a combination of the evaluation indexes further including the number of days for principal turnover and the loss rate.

10. The information generating unit 10. The information generating device according to claim 9, wherein the trading situations are classified into types according to combinations of the evaluation indexes, which further include a rotational force diagnosis and a winning pattern analysis weight.

11. The information generating unit Compare and rank the classified types with respect to each of the above evaluation indicators.

2. The information generating device according to claim 1,

12. The information generating unit For each classified type, comparison and ranking are made for each of the above evaluation indicators.

2. The information generating device according to claim 1,

13. An information generating device according to any one of claims 1 to 5; A terminal device; An information generation system comprising: The terminal device displays the information generated by the information generating device on the terminal device itself. An information generation system comprising:

14. 2. An information generating program for causing a computer to function as the information generating device according to claim 1, the information generating program causing a computer to function as the information generating unit.

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