Method for determining the investment ratio of condominium repair reserve funds, and the program and information processing device for doing so.

Abstract

The aim is to propose a method and program for determining the investment ratio of condominium repair reserve funds that reduces concerns about principal loss of repair reserve funds, thereby avoiding risk while obtaining a reasonable return, by allocating a safe and appropriate predetermined amount of the repair reserve fund to investment. [Solution] An information processing device 1000 for determining the investment ratio when investing a condominium's repair reserve fund in an investment trust at an investment ratio corresponding to the number of years of accumulation includes an investment ratio calculation unit 1100 that calculates the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding to the investment ratio to be invested in the (N-1) year an investment ratio obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1) year and a predetermined upper limit maximum investment ratio P using the golden ratio method, and an investment amount calculation unit 1200 that calculates the actual investment amount to be invested in the Nth year by applying the calculated investment ratio.

Description

Technical Field

[0001] The present invention relates to a method for determining an investment ratio of a condominium repair reserve fund, a program therefor, and an information processing apparatus.

Background Art

[0002] Conventionally, for the management of repair reserve funds in apartment houses such as condominiums, especially for the money management in the condominium management association, it has been common to set up a bank account in the name of the management association and record the management fee expenditures and the deposit status of the reserve funds in its passbook, and consider the asset formation of the repair reserve funds as the management association while comparing income and expenditures.

[0003] Also, due to the recent spread of digital and Internet technologies, management using personal computer income and expenditure ledger software, and simulation services such as condominium management asset formation and loan repayment using Internet home pages have also become widely used. Specifically, by storing transaction data in the cloud or in a personal computer via a communication network, it reduces the labor of managing income and expenditure data by manual input, or proposals have been made to automatically import payment data for electricity, gas, and water into a personal computer or the like, manage this, and predict the volume of future maintenance infrastructure and utility bills.

[0004] Furthermore, Patent Document 1 below describes an invention aimed at adjusting the amount paid by unit owners so that there is no surplus or deficit in the balance of the repair reserve fund. According to this document, the transmitting and receiving device 11 receives delinquency information from a financial institution terminal 3 indicating the delinquency status of repair reserve funds paid by unit owners of the apartment building, and based on the delinquency information, the delinquency rate prediction unit 21 predicts the average delinquency rate and its standard deviation, the limit stress search device 20 calculates the cumulative reserve amount and calculates the limit stress under the constraint that the cumulative delinquency amount does not fall below the expenditure amount, the limit below probability calculation device 21 calculates the probability that it will be below the limit stress, the acceptable risk inspection device 18 determines whether that probability is within the acceptable range, and if it exceeds the acceptable range, the revised amount calculation device 17 revises the repair reserve fund amount.

[0005] These conventional methods of managing and operating the reserve fund for repairs in condominiums did not allow for a rational prediction of total expenditures, and only considered a portion of the management and reserve fund expenditures. While these conventional methods were useful for understanding past and present expenditures, they were not sufficiently satisfactory for making a rational prediction of future expenditures, requiring condominium management associations to make separate, subjective, and individual judgments based on past data.

[0006] In particular, regarding the management, maintenance, and repair costs of apartment buildings and other multi-unit housing, where there is a potential need to draw funds from reserves due to sudden events such as natural disasters, cataclysmic events, wars, or conflicts, there were no means of managing repair reserve funds that could cope with such situations, making it difficult to maintain and continue stable asset formation through the accumulation of funds. Furthermore, as apartment management associations are generally collective bodies of residents, it was common practice to hold repair reserve funds as bank deposits, which could be maintained more safely as assets, from the perspective of avoiding the risk of losing principal. [Prior art documents] [Patent Documents]

[0007] [Patent Document 1] Japanese Patent Publication No. 2003-030304 [Overview of the project] [Problems that the invention aims to solve]

[0008] However, as the economy shifts from a long period of deflation to a high-inflationary economy, future increases in construction costs, repair costs, material costs, and labor costs are expected, making it desirable to invest reserve funds in a way that can yield higher returns. In particular, for condominiums less than 10 years old, the first 10 years are often essentially a period solely for accumulating repair funds, and cases where repair expenses are actually needed during this time are extremely rare. Deciding what percentage of the collected repair reserve funds should be allocated to investments and what percentage should be left in bank deposits has always been a difficult problem, and appropriate methods and approaches have not been presented until now.

[0009] Therefore, the present invention aims to solve the above-mentioned problems and propose a method and program for determining the investment ratio of a condominium's repair reserve fund that reduces concerns about principal loss of the repair reserve fund, avoids risk, and obtains a reasonable return by allocating a safe yet appropriate predetermined amount of the repair reserve fund to investment. Furthermore, the invention aims to propose an investment ratio setting method, device, system, program, etc., that can be easily calculated and set so that the investment ratio of the repair reserve fund collected each year increases as the building ages, while at the same time ensuring that the investment ratio does not exceed a certain upper limit. [Means for solving the problem]

[0010] The present invention provides a method for determining the investment ratio of a condominium's repair reserve fund, which involves an information processing device determining the investment ratio when investing the condominium's repair reserve fund in an investment trust at an investment ratio derived according to the number of years of accumulation. The method is characterized by performing the following steps: (where N is an integer of 2 or more) the investment ratio obtained by adding to the investment ratio to be invested in the (N-1) year, which is calculated by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1) year and a predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M; and the calculation of the actual investment amount to be invested in the N year by applying the calculated investment ratio.

[0011] Furthermore, the present invention provides a program for calculating the investment ratio of a condominium's repair reserve fund, which causes a computer to calculate the investment ratio when investing the condominium's repair reserve fund in an investment trust at an investment ratio derived according to the number of years of accumulation. The program is characterized by causing the computer to perform the following steps: (where N is an integer of 2 or more) the computer calculates the investment ratio to be invested in the Nth year by adding the value obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and the predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M, using the golden ratio method.

[0012] Furthermore, the present invention is an information processing device for determining the investment ratio when investing the repair reserve fund of a condominium in an investment trust at an investment ratio corresponding to the number of years of accumulation, and is characterized by comprising: an investment ratio calculation unit that calculates the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding to the investment ratio to be invested in the (N-1) year an investment ratio obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and a predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M, and an investment amount calculation unit that calculates the actual investment amount to be invested in the Nth year by applying the calculated investment ratio. [Effects of the Invention]

[0013] By allocating a predetermined portion of the repair reserve fund to investment trusts and other investments, we can propose a method and program for determining the investment ratio of condominium repair reserve funds that reduces concerns about the principal of the repair reserve fund being lost, thereby avoiding risk while obtaining a reasonable return. [Brief explanation of the drawing]

[0014] [Figure 1] This diagram illustrates the investment ratio for each year from the first to the fourth year, showing what percentage of the total repair reserve fund collected will be allocated to investment. It explains the case where the maximum investment ratio P in [Equation 1] is set to 10% and the investment ratio increase M is set to 2. [Figure 2] This is a block diagram illustrating the general configuration of the information processing device of the present invention. [Figure 3] This is a flowchart illustrating the general processing steps in the information processing device of the present invention. [Modes for carrying out the invention]

[0015] Regarding the reserve fund for repairs of condominiums, it is generally difficult to obtain agreement and understanding from the condominium management association and individual residents regarding the risk of principal loss and the acceptable level of risk. Therefore, if investment is to be made, it is preferable to choose something with high principal safety, such as a bond investment trust (bond-focused type) that mainly invests in government bonds and corporate bonds, does not include stocks and has low price fluctuation risk, or a money market fund (MMF) that mainly invests in short-term government bonds and commercial paper and has high safety and liquidity.

[0016] Furthermore, from the perspective mentioned above, among bond investment trusts that diversify risk, it is known that it is preferable to mitigate specific market risks by diversifying investments across bonds from various countries around the world and bonds denominated in different currencies. In addition, it has been reported that selecting investments suitable for short-term management reduces the risk of unpredictable long-term futures, and that short-term bond funds or ultra-short-term funds with investment periods of several months to several years (typically less than 10 years) are suitable for the nature of repair reserve funds.

[0017] On the other hand, it should be noted that investment trusts incur purchase fees and management fees (trust fees), so it is advisable to choose products with low fees and trust fees, and to prioritize no-load financial products (no purchase fees). Also, from the perspective of avoiding exchange rate risk, investment trusts that include foreign bonds may be subject to exchange rate risk, so it is recommended to choose investment trusts with currency hedging. Furthermore, since repair reserve funds need to be reliably converted into cash when needed, some believe it is preferable to avoid products that are based on ultra-long-term investment (for example, equity-heavy funds) as much as possible.

[0018] When investing condominium repair reserve funds, the above points should be considered, but there is always the troublesome question of how much of the repair reserve fund should be allocated to investments. From a safety standpoint, it is possible to invest the majority of the reserve funds (80-90%) in, for example, time deposits or government bonds, and diversify 10-20% into public and corporate bond investment trusts. Alternatively, if one seeks higher returns and takes on a little more risk, it is possible to invest 70% of the reserve funds in safe assets (time deposits or government bonds) and 30% in short-term bond investment trusts or diversified investment trusts.

[0019] For example, even if it is decided by the management association to invest up to 10% of the condominium repair reserve funds, the tolerance for the risk of the repair reserve funds is assumed to be different between the state where almost no reserve amount has been accumulated in the first year of new construction and the state where a certain amount of reserve funds has been accumulated after several years since construction. In the state where almost no reserve amount has been accumulated in the first year of new construction, one would want to increase the reserve funds as quickly, safely, and steadily as possible to prepare for unexpected repair costs such as natural disasters. On the other hand, in the state where several years have passed since construction and a certain amount of reserve funds has been accumulated, a certain degree of surplus or spare capacity has emerged. Therefore, it is thought that it is possible to safely secure the minimum reserve funds and increase the amount invested within the desired upper limit for the remaining part of the reserve funds.

[0020] By using the present invention, it becomes possible to appropriately determine the ratio of the repair reserve funds to be invested according to the number of years elapsed since new construction by the golden ratio method. As the number of years elapsed increases, the investment ratio can be increased, but on the other hand, it does not exceed the initially set upper limit of the investment ratio, for example, 10%. It is possible to set the investment ratio to approach the upper limit of 10% infinitely over time.

[0021] The following [Equation 1] is the calculation formula for the investment ratio of the present invention for determining how much of the repair reserve funds of a condominium in the Nth year (where N is an integer of 2 or more) since new construction should be invested in an investment trust, and it explains the golden ratio for calculating the investment ratio in the Nth year using the investment ratio in the previous year, the (N - 1)th year.

[0022]

Equation

[0023] In [Equation 1], M is a predetermined investment ratio increase and is any number greater than or equal to 1. Also in [Equation 1], P is a predetermined upper limit on the maximum investment ratio (upper limit of any ratio). For example, if P is set to 10%, then up to 10% of the total repair reserve fund collected will be allocated to investment trusts, and the remaining 90% or more will be allocated to bank deposits or the purchase of government bonds.

[0024] Specifically, if we set the maximum investment ratio P to 10% and the investment ratio increase M to 2, and allocate 5% of the total repair reserve fund as the investment ratio in the first year, the investment ratio in the second year can be calculated based on [Equation 1] as 5 + (10 - 5) / 2, resulting in 7.5%. Similarly, the investment ratio in the third year can be calculated based on [Equation 1] as 7.5 + (10 - 7.5) / 2, resulting in 8.75%. Therefore, 8.75% of the repair reserve fund collected in the third year can be allocated to an investment trust, and the remaining 91.25% can be safely held in a bank deposit. The greater the investment ratio increase M is set to be greater than 1, the more gradually the investment ratio will increase year by year. The greater the investment ratio increase M is between 1 and 1, the closer it is to 1 and the smaller it is, the more rapidly the investment ratio will increase over time.

[0025] As described above, using the investment ratio calculation method of the present invention, it is possible to increase the proportion allocated to investment trusts year by year, while never exceeding the upper limit of the maximum investment ratio P, for example, 10%. Within this upper limit, it is possible to safely increase risk investments. As the repair reserve fund accumulates year by year, it becomes relatively easier to respond to emergency expenses and repairs due to natural disasters, and the reserve capacity gradually increases. However, immediately after the start of accumulation due to the building's recent construction, sufficient repair reserve funds have not yet been accumulated, so it is possible to keep the proportion of this amount allocated to investment relatively low. Figure 1 is a diagram illustrating the investment ratio, showing what percentage of the total repair reserve fund collected is allocated to investment in each year from the first to the fourth year. However, in Figure 1, the upper limit of the maximum investment ratio P is set to 10%, the investment ratio increase ratio M is set to 2, and the investment ratio in the first year is set to 5%.

[0026] To explain the above example with more specific investment amounts, if a total of 1 million yen is collected as a repair reserve fund in the first year, 50,000 yen can be invested in an investment trust; if 1 million yen is collected in the second year, 75,000 yen can be invested; if 1 million yen is collected in the third year, 87,500 yen can be invested; and if 1 million yen is collected in the fourth year, 96,875 yen can be invested in an investment trust. The remaining amount for each year can then be held as a low-risk bank deposit.

[0027] Thus, by setting an upper limit of 10%, it becomes possible to invest a portion of the repair reserve fund collected annually into an investment trust within that range. At the same time, the investment percentage will increase each year, making it possible to maintain a high level of balance between investment satisfaction, securing interest, and safe asset management without risk. This also makes it easier to gain the consensus and understanding of residents and the consent of the management association.

[0028] (Overview of the information processing device configuration) Figure 2 is a block diagram illustrating the configuration overview of the information processing device 1000 of the present invention. In Figure 2, the information processing device 1000 can have its upper limit maximum investment ratio P and investment ratio increase ratio M set to any number in advance. For example, if up to 30% of the collected repair reserve fund is to be allocated to investment, the upper limit maximum investment ratio P can be set to 30%. The investment ratio increase ratio M can be set to a smaller value if you want to increase the investment ratio rapidly year by year, or to a larger value if you want to increase it more slowly. These settings may be modified and readjusted as appropriate in response to changes in investment conditions and the investment environment.

[0029] Furthermore, the information processing device 1000 of the present invention includes an investment ratio calculation unit 1100 that calculates the investment ratio for the Nth year from [Equation 1] based on the investment ratio for the (N-1)th year, a preset upper limit maximum investment ratio P, and an investment ratio increase ratio M. Since the investment ratio for the (N-1)th year is the value for the year preceding the year to be calculated, a value stored in any of the storage units or temporary memory of the information processing device 1000 may be used. Note that, regarding the investment ratio for the first year, it is possible to set any investment ratio within a range of values ​​smaller than the preset upper limit maximum investment ratio P, without even needing to use the information processing device 1000 of the present invention.

[0030] Furthermore, the information processing device 1000 of the present invention includes an investment amount calculation unit 1200 that calculates the investment amount for that year (year N) based on the investment ratio calculated by the investment ratio calculation unit 1100 and the total amount of repair reserve funds collected in that year (year N). The investment amount calculation unit 1200 can calculate the investment amount for year N by multiplying the calculated investment ratio by the total amount of repair reserve funds collected (or scheduled to be collected) in year N. The total amount of repair reserve funds can also be a value that is automatically downloaded online from bank account transaction history or electronic passbook and automatically aggregated. The information processing device 1000 may also output and display the investment amount calculated by the investment amount calculation unit 1200 on a separate monitor or any display device. Using the information processing device 1000 of the present invention, it is possible to calculate the investment ratio and amount for any future Nth year. Furthermore, it is possible to easily and separately predict the amount of savings accumulated from the pure deposit portion not allocated to investment, and the future investment amount of the total investment amount for the investment trust portion allocated to investment. For the investment amount for the investment trust portion, compound interest calculation may be used by setting a predetermined dividend yield, etc. Such compound interest calculation is extremely effective for repair reserve funds, where it is common sense to accumulate them in 10-year increments. When outputting and displaying the results on a monitor or any display device, it is preferable to present or display them in a way that is easy to see and understand as a graph or table.

[0031] (Overview of information processing equipment operations) Figure 3 is a flowchart illustrating the overview of the arithmetic processing in the information processing device 1000 of the present invention. The overview of the arithmetic processing of the information processing device 1000 will be explained below based on the flowchart in Figure 3.

[0032] (Step S100) The information processing device 1000 is pre-set with a maximum investment ratio P and an investment ratio increase ratio M. These settings may be values ​​that have been pre-inputted and stored in other setting means or storage devices, or the operator may input arbitrary settings during calculation. By inputting provisional settings and performing calculations, it is possible to simulate the future for any calculation year N in that case, and it is also possible to try changing the provisional settings in various ways to see how the repair reserve fund will change and increase as the future year N progresses.

[0033] (Step S200) The investment ratio calculation unit 1100 calculates the investment ratio for the Nth year based on the set values ​​P and M, using [Equation 1]. For the investment ratio in the first year, an initial value can be provided in advance, and for subsequent years, it can be calculated based on the value of the previous year.

[0034] (Step S300) The investment amount calculation unit 1200 calculates the investment amount for year N by multiplying the calculated investment ratio for year N by the input total amount of the repair reserve fund for year N. The calculated value may be displayed on a monitor, or it may be output in a manner that allows comparison, such as a graph or table showing the year-by-year trend and / or the calculation results when the set values ​​P and M are changed.

[0035] The present invention provides a method for determining the investment ratio of a condominium's repair reserve fund, which involves an information processing device determining the investment ratio when a condominium's repair reserve fund is invested in an investment trust at an investment ratio corresponding to the number of years of accumulation. The method is characterized by performing the following steps: calculating the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding the value obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and a predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M, using the golden ratio method; and calculating the actual investment amount to be invested in the Nth year by applying the calculated investment ratio.

[0036] This not only makes it possible to appropriately determine the investment ratio to be invested in mutual funds in the following year based on the investment ratio invested in mutual funds in the previous year, but also makes it possible to make investments that can be carried out in a way that ensures the investment ratio does not exceed a predetermined upper limit while steadily increasing the investment ratio each year. In the case of reserve funds for repairs of condominiums and other buildings where an extremely high level of safety is required, it is often difficult to take on high risks in order to seek high investment returns, and it is often difficult to obtain the unanimous consent of all residents and management associations for such measures.

[0037] On the other hand, given the current price environment where inflation is certain to continue, leaving large repair reserves idle as deposits at low bank interest rates is like passively watching the asset's (nominal) value decline in the future, even if the monetary amount does not decrease. It is preferable to invest them to some extent to increase their value in line with inflation.

[0038] On the other hand, it is also true that investment management cannot be completely free of risk, so deciding what percentage or amount to allocate to investment management is crucial when it comes to condominium repair reserve funds. In such cases, it is also necessary to obtain the consent and understanding of the numerous residents and management associations, who come from diverse family backgrounds and varying economic situations, so the hurdles to appropriate investment management are quite high.

[0039] According to the present invention's method for determining the investment ratio of a condominium's repair reserve fund, if an upper limit investment ratio P is determined in advance according to the location and environment of the condominium or other multi-unit housing and the circumstances of its residents, and within that investment ratio P range, the investment ratio can be kept low at the beginning of the accumulation period, and then gradually increased year by year. As a result, it is possible to accumulate a repair reserve fund reliably by initially investing less and increasing the balance of safe bank deposits, etc., while at the same time, as the deposit balance increases to a certain extent, it becomes possible to increase the investment ratio and obtain higher investment returns.

[0040] Furthermore, the rate at which the investment ratio increases can be predetermined as the investment ratio increase rate M. If M is set to any number greater than or equal to 1, the larger the number M, the slower the rate at which the investment ratio increases.

[0041] Furthermore, if the investment ratio increase M is set to a number less than 1, it may exceed the predetermined upper limit investment ratio P. However, in the following year, it will fall below the predetermined upper limit investment ratio P. As a result, on average, it will settle around the predetermined upper limit investment ratio P, contributing to achieving the original objective. Therefore, it is considered that determining the investment ratio using this golden ratio method is more likely to gain the consent of many residents and management associations under various economic conditions.

[0042] Furthermore, the present invention's method for determining the investment ratio of a condominium's repair reserve fund is characterized in that, preferably, the investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always a value between the investment ratio in the first year and the upper limit maximum investment ratio P, regardless of the value of N. Typically, this results in a gradual increase in the investment ratio towards the upper limit maximum investment ratio P, as shown in Figure 1, making it possible to achieve a high level of balance between investor satisfaction and dividend interest, etc., and the safety of the repair reserve fund.

[0043] Furthermore, the method for determining the investment ratio of the condominium repair reserve fund according to the present invention is more preferably characterized in that the predetermined investment ratio increase ratio M is any number of 1 or more. The smaller the investment ratio increase ratio M is set to, the greater the increase in the investment ratio each year will be calculated. By setting the investment ratio increase ratio M to 1 or more, it is possible to increase the investment ratio obtained by multiplying the difference between the previous investment ratio and the upper limit maximum investment ratio P by (1 / M) to obtain the current investment ratio. Although it approaches the upper limit maximum investment ratio P, it will never exceed it, so it is possible to reduce the risk of excessive losses and the risk of losing principal and continue investing with peace of mind. The portion of the repair reserve fund that is not used for investment can be accumulated as a bank deposit, etc., as the name suggests, so at least the face value of that amount will not decrease.

[0044] Furthermore, the present invention provides a program for calculating the investment ratio of a condominium's repair reserve fund, which causes a computer to calculate the investment ratio when a condominium's repair reserve fund is invested in an investment trust at an investment ratio corresponding to the number of years of accumulation. The program is characterized by causing the computer to perform the following steps: using the golden ratio method, the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and a predetermined upper limit maximum investment ratio P is divided by a predetermined investment ratio increase ratio M, and this value is added to the investment ratio to be invested in the (N-1)th year, and this is calculated as the investment ratio to be invested in the Nth year (where N is an integer of 2 or more).

[0045] This makes it possible to implement a program that appropriately determines the investment ratio to be invested in mutual funds in the following year based on the investment ratio invested in mutual funds in the previous year. Furthermore, it makes it possible to provide a program that enables investment that can steadily increase the investment ratio each year while ensuring that the investment ratio does not exceed a predetermined upper limit. In the case of reserve funds for repairs of condominiums and other buildings where extremely high safety is required, it is often difficult to take on high risks in order to seek high investment returns, and it is often difficult to obtain the consensus of all residents and management associations for such an approach, but this can be solved by using the program of the present invention.

[0046] Furthermore, given the current price environment where inflation is certain to continue, leaving large repair reserve funds idle as cash or deposits at low bank interest rates is essentially like watching the asset's (nominal) value decline in the future, even if the monetary amount does not decrease. Residents and management associations alike hope that the funds will be invested to some extent to increase in line with inflation.

[0047] On the other hand, it is also true that investment management cannot be completely risk-free, so deciding what percentage or amount to allocate to investment management is crucial when it comes to condominium repair reserve funds. In such cases, it is necessary to obtain the consent and understanding of multiple residents and management associations with diverse family circumstances and economic situations, so the hurdles to appropriate investment management are by no means low.

[0048] According to the present invention's program for calculating the investment ratio of a condominium's repair reserve fund, if an upper limit investment ratio P is determined in advance according to the location and environment of the condominium or other multi-unit housing and the circumstances of its residents, the program can be provided that allows the investment ratio to be kept low at the beginning of the accumulation period, and then gradually increased year by year within that investment ratio P. As a result, it is possible to reliably accumulate the repair reserve fund by initially investing less and increasing the balance of safe bank deposits, etc., while also providing a program that allows for an increase in the investment ratio as the deposit balance grows to a certain extent, thereby obtaining a higher investment return.

[0049] Furthermore, the rate at which the investment ratio increases can be pre-set as the investment ratio increase rate M. If M is set to any number greater than or equal to 1, the larger the number M, the slower the rate at which the investment ratio increases.

[0050] Furthermore, if the investment ratio increase M is set to a number less than 1, it may exceed the predetermined upper limit investment ratio P. However, in the following year, it will fall below the predetermined upper limit investment ratio P. Therefore, on average, it will settle around the predetermined upper limit investment ratio P, making it a program that contributes to achieving the original objective. Consequently, it is considered that such an investment ratio calculation program using the golden ratio method is more likely to gain the consent of many residents and management associations under various economic conditions.

[0051] Furthermore, the present invention's program for calculating the investment ratio of a condominium's repair reserve fund is characterized in that, preferably, the investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always a value between the investment ratio in the first year and the upper limit maximum investment ratio P, regardless of the value of N. Typically, this results in a program that gradually increases the investment ratio toward the upper limit maximum investment ratio P, as shown in Figure 1, making it possible to create a program that achieves a high level of balance between investor satisfaction and dividend interest, etc., and the safety of the repair reserve fund.

[0052] Furthermore, the present invention's program for calculating the investment ratio of a condominium's repair reserve fund is preferably characterized in that the pre-set investment ratio increase M is any number of 1 or more. The smaller the investment ratio increase M, the greater the increase in the investment ratio each year. By setting the investment ratio increase M to 1 or more, it is possible to create a program that increases the investment ratio obtained by multiplying the difference between the previous investment ratio and the upper limit maximum investment ratio P by (1 / M) to determine the current investment ratio. Although it approaches the upper limit maximum investment ratio P, it never exceeds it, so this program reduces the risk of excessive losses and principal loss, allowing investors to continue investing with peace of mind. The portion of the repair reserve fund not used for investment can be accumulated as a bank deposit, as the name suggests, making this a novel program that at least prevents a decrease in its face value.

[0053] Furthermore, the present invention is an information processing device for determining the investment ratio when investing the repair reserve fund of a condominium in an investment trust at an investment ratio corresponding to the number of years of accumulation, and is characterized by comprising: an investment ratio calculation unit that calculates the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding to the investment ratio to be invested in the (N-1) year an investment ratio obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and a predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M, and an investment amount calculation unit that calculates the actual investment amount to be invested in the Nth year by applying the calculated investment ratio.

[0054] This will not only enable the system to appropriately determine the investment ratio to be invested in mutual funds in the following year based on the investment ratio invested in mutual funds in the previous year, but also enable the system to make investments that can steadily increase the investment ratio each year while ensuring that the investment ratio does not exceed a predetermined upper limit. In the case of reserve funds for repairs of condominiums and other buildings where extremely high safety is required, it is often difficult to take on high risks in pursuit of high investment returns, and it is often difficult to obtain the unanimous consent of all residents and management associations for such measures. This is because the acceptable range and degree of risk differ from resident to resident.

[0055] On the other hand, given the current price environment where inflation is certain to continue, leaving large repair reserves idle as deposits at low bank interest rates is essentially like sitting idly by and watching the asset's (nominal) value decline in the future, even if the monetary amount does not decrease. Many residents hope that the funds will be invested to some extent to increase in line with inflation.

[0056] On the other hand, it is also true that investment management cannot be completely risk-free, so determining what percentage or amount to allocate to investment management is crucial for condominium repair reserve funds. In this case, obtaining the consent and understanding of numerous residents and management associations, who come from diverse family backgrounds and varying economic situations, is also necessary, meaning that the hurdles to appropriate investment management are quite high and must be overcome.

[0057] The present invention provides an information processing device for calculating the investment ratio of a condominium's repair reserve fund. By pre-determining an upper limit investment ratio P according to the location and environment of the condominium or other multi-unit housing and the circumstances of its residents, the device can calculate and gradually increase the investment ratio year by year, starting with a low investment ratio at the beginning of the accumulation period, within the range of that investment ratio P. As a result, the device can reliably accumulate the repair reserve fund by initially investing less and increasing the balance of safe bank deposits, while simultaneously increasing the investment ratio as the deposit balance grows to obtain a higher return on investment.

[0058] Furthermore, the rate at which the investment ratio increases can be predetermined as the investment ratio increase rate M. If M is set to any number greater than or equal to 1, the larger the number M, the slower the rate at which the investment ratio increases, making it possible to create an information processing device that does this.

[0059] Furthermore, if the investment ratio increase M is set to a number less than 1, it may exceed the predetermined upper limit of the investment ratio P. However, in the following year, it will fall below the predetermined upper limit of the investment ratio P. As a result, on average, it will settle around the predetermined upper limit of the investment ratio P, thus becoming an information processing device that contributes to achieving the original objective. Therefore, it is considered that an information processing device that determines investment ratios using such a golden ratio method will more easily gain the consent of many residents and management associations under various economic conditions.

[0060] Furthermore, the information processing device of the present invention is characterized in that, preferably, the investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always a value between the investment ratio in the first year and the upper limit maximum investment ratio P, regardless of the value of N. Typically, this results in an information processing device that gradually increases the investment ratio toward the upper limit maximum investment ratio P, as shown in Figure 1, making it possible to create an information processing device that executes a program that achieves a high level of compatibility between investor satisfaction and dividend interest, etc., and the safety of the repair reserve fund.

[0061] Furthermore, the information processing device of the present invention is preferably characterized in that the pre-set investment ratio increase ratio M is any number of 1 or more. The smaller the investment ratio increase ratio M is, the more the information processing device will execute a calculation program that increases the investment ratio each year. By setting the investment ratio increase ratio M to 1 or more, it is possible to create an information processing device that executes a program that increases the investment ratio obtained by multiplying the difference between the previous investment ratio and the upper limit maximum investment ratio P by (1 / M) to determine the current investment ratio. Since it approaches the upper limit maximum investment ratio P but never exceeds it, it becomes an information processing device that can reduce the risk of excessive losses and principal loss, and allows for continued investment with peace of mind. The portion of the repair reserve fund that is not used for investment can be accumulated as a bank deposit, etc., as the name suggests, so it is possible to create an information processing device that executes a novel program that at least prevents a decrease in its face value.

[0062] The investment trust management program for condominium repair reserve funds of the present invention is not limited to the specific descriptions of the embodiments described above, and it is possible to arbitrarily arrange, change, modify, process, and apply numerical values, parameters, configurations, and methods based on publicly known technical common sense and general social knowledge within the scope of the disclosed technical concept. For example, if the year described as the Nth year or (N-1)th year in the above description is replaced with a month and applied or operated on a monthly basis, no contradiction will arise, and it may even be preferable. Of course, it is not limited to a fixed period predetermined by the calendar, such as a month or a year, but any period unit may be used, and the technical concept of the present invention may be applied at any arbitrary interval, such as every 10 days, every 50 days, or every 500 days. Other parameters, etc., can also be freely and arbitrarily arranged. [Industrial applicability]

[0063] The investment trust management program for condominium repair reserve funds of the present invention can be widely applied as a method for managing repair reserve funds and management fees for condominiums and other multi-unit housing. [Explanation of symbols]

[0064] 1000... Information processing unit, 1100... Investment ratio calculation unit, 1200... Fund amount calculation unit.

Claims

1. In a method for determining the investment ratio when an information processing device invests the reserve fund for repairs of an apartment building into an investment trust at an investment ratio corresponding to the number of years the fund has been accumulated, The process involves calculating the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding the value obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year by a predetermined upper limit P, using the golden ratio method, by a predetermined investment ratio increase M, and then adding this value to the investment ratio to be invested in the (N-1)th year. The process involves applying the investment ratio calculated above to calculate the actual investment amount to be invested in the Nth year. A method for determining the investment ratio of the reserve fund for repairs of a condominium, characterized by the following features.

2. In the method for determining the investment ratio of the repair reserve fund for a condominium as described in claim 1, The investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always between the investment ratio in the first year and the upper limit maximum investment ratio, regardless of the value of N. A method for determining the investment ratio of the repair reserve fund for a condominium, characterized by the following features.

3. In the method for determining the investment ratio of the repair reserve fund for a condominium according to claim 1 or claim 2, The aforementioned pre-set investment ratio increase M is any number of 1 or more. A method for determining the investment ratio of the repair reserve fund for a condominium, characterized by the following features.

4. In a program that causes a computer to calculate the investment ratio when investing the reserve fund for repairs of an apartment building into an investment trust in proportion to the number of years the fund has been accumulated, The process involves calculating the investment ratio to be invested in the Nth year (where N is an integer greater than or equal to 2) by adding the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and the predetermined upper limit investment ratio P, which is obtained by dividing the difference by a predetermined investment ratio increase ratio M, to the investment ratio to be invested in the (N-1)th year. A program for calculating the investment ratio of the reserve fund for repairs in a condominium, characterized by the following features.

5. In the program for calculating the investment ratio of the repair reserve fund for a condominium as described in claim 4, The investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always between the investment ratio in the first year and the upper limit maximum investment ratio, regardless of the value of N. A program for calculating the investment ratio of the reserve fund for repairs in a condominium, characterized by the following features.

6. In the program for calculating the investment ratio of the repair reserve fund for a condominium according to claim 4 or claim 5, The aforementioned pre-set investment ratio increase M is any number of 1 or more. A program for calculating the investment ratio of the reserve fund for repairs in a condominium, characterized by the following features.

7. In an information processing device for determining the investment ratio when investing the reserve fund for repairs of a condominium in an investment trust at an investment ratio corresponding to the number of years the fund has been accumulated, An investment ratio calculation unit calculates the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding the value obtained by dividing the difference between the investment ratio of the repair reserve fund to be invested in the investment trust in the (N-1)th year and the predetermined upper limit maximum investment ratio P by a predetermined investment ratio increase ratio M, using the golden ratio method, to the investment ratio to be invested in the (N-1)th year, and then dividing the result by the predetermined investment ratio increase ratio M. The system includes an investment amount calculation unit that calculates the actual investment amount to be invested in the Nth year by applying the investment ratio calculated above. An information processing device characterized by the following:

8. In the information processing apparatus according to claim 7, The investment ratio in the first year is smaller than the upper limit maximum investment ratio P, and the calculated investment ratio is always between the investment ratio in the first year and the upper limit maximum investment ratio, regardless of the value of N. An information processing device characterized by the following:

9. In the information processing apparatus according to claim 7 or claim 8, The aforementioned pre-set investment ratio increase M is any number of 1 or more. An information processing device characterized by the following:

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