Method and program for determining investment ratio of condominium repair reserve fund and information processing device

Abstract

To propose a method and program for determining the investment ratio of repair reserve funds for an apartment building, which reduces concerns about the principal of the repair reserve funds being lost by safely allocating an appropriate, predetermined amount to the management of the repair reserve funds, thereby avoiding risks and obtaining a reasonable return. [Solution] The information processing device 1000 determines an investment rate when investing an apartment building's repair reserve fund in an investment trust at an investment rate according to the number of years for which the fund has been accumulated. The information processing device includes an investment rate calculation unit 1100 that calculates an investment rate to be invested in the Nth year (where N is an integer of 2 or more) by adding the difference between the investment rate of the repair reserve fund to be invested in an investment trust in the (N-1)th year and a preset upper limit maximum investment rate P, which is divided by a preset investment rate addition rate M, to the investment rate to be invested in the (N-1)th year, and an investment amount calculation unit 1200 that applies the calculated investment rate to calculate the actual investment amount to be invested in the Nth year.

Description

[Technical field]

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

[0002] Traditionally, the management of repair reserve funds in apartment complexes and other multi-family dwellings, and in particular the management association's financial management, has typically involved setting up a bank account in the association's name and recording management fee expenditures and the status of deposits into the reserve fund in a passbook. The association would then compare income and expenditures to consider asset formation for the repair reserve funds.

[0003] Furthermore, with the recent spread of digitalization and Internet technology, management using computer deposit and withdrawal accounting software, and simulation services for apartment management asset formation and loan repayment via Internet homepages are becoming more common.Specifically, proposals have been made to reduce the effort required for managing deposit and withdrawal data by manually entering it by storing transaction data in the cloud or on a computer via a communication network, and to automatically import electricity, gas, and water payment data into a computer, etc., and manage this data to predict future maintenance infrastructure and water and utility bill volumes.

[0004] In addition, the following Patent Document 1 describes an invention that aims to adjust the amount paid by a condominium owner so that the balance of the repair reserve fund is not over or underpaid. According to this document, the transmitter / receiver 11 receives from the financial institution terminal 3 delinquency information indicating the delinquency status of the repair reserve fund paid by the condominium owner, 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 accumulated reserve amount, and calculates the limit stress under the constraint condition that the accumulated delinquency amount does not fall below the expenditure amount, the below-limit probability calculation device 21 calculates the probability of being below the limit stress, the allowable risk inspection device 18 judges whether the probability is within an allowable range, and when it exceeds the allowable range, the revised amount calculation device 17 revises the repair reserve amount.

[0005] These conventional methods for managing and using condominium repair reserve funds did not allow for a reasonable forecast of the total expenditure amount, but only took into account a portion of the expenditures for management fees and reserve fees. Although these conventional methods are useful for grasping and understanding the actual expenditure situation in the past and present, they are not satisfactory enough for making a reasonable forecast of what expenditures will be in the future, and it was necessary for the condominium management association to look at past data and make a separate subjective judgment on an individual basis.

[0006] In particular, there is a possibility that the management, maintenance and repair costs of apartment complexes and other collective housing may have to be suddenly drawn from the reserve fund in the event of a natural disaster, a natural disaster, or the outbreak of war or conflict, and there is no means of managing the repair reserve fund to deal with this, making it difficult to maintain and continue the stable asset formation of the cost reserve. Furthermore, in general, condominium management associations, which are collectives of residents, have generally held the repair reserve fund as a deposit in a bank, which can be maintained more safely as an asset, in order to avoid the risk of losing the principal. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] JP 2003-030304 A Summary of the Invention [Problem to be solved by the invention]

[0008] However, as the long-standing deflationary economy shifts to a high-inflationary economy, construction costs, repair labor costs, material costs, and labor costs are expected to rise in the future, and so there is a demand for investment funds that can be expected to produce higher returns. In particular, for new apartment buildings that are less than 10 years old, the first 10 years are often a period in which repair costs are essentially the only thing saved up for, and there are very few rare cases in which repair costs are required during that time. It is always a difficult question to decide what proportion of the collected repair reserve funds should be allocated to investment and what proportion should be left as bank deposits, and no appropriate methods or ideas have 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 an apartment building's repair reserve fund, which can reduce concerns about the principal of the repair reserve fund being lost and obtain a reasonable return while avoiding risks by safely allocating a certain appropriate amount of the repair reserve fund to the operation.The present invention also aims to propose an investment ratio setting method and its device, system, program, etc., which increases the investment ratio for the repair reserve amount collected in that year as the building ages, but can also be easily calculated and set so that the investment ratio does not exceed a certain upper limit investment ratio. [Means for solving the problem]

[0010] The method for determining the investment ratio of a condominium repair reserve fund of the present invention is a method for determining an investment ratio when an information processing device invests a condominium repair reserve fund in an investment trust at an investment ratio derived according to the number of years of the investment, and is characterized by carrying out the steps of: calculating the investment ratio to be invested in the Nth year (where N is an integer of 2 or more); and calculating the actual investment amount to be invested in the Nth year by applying the calculated investment ratio; and

[0011] In addition, the investment ratio calculation program for condominium repair reserve funds of the present invention is a program that causes a computer to calculate the investment ratio when a condominium repair reserve fund is invested in an investment trust at an investment ratio derived according to the number of years of the accumulation, and is characterized in that it executes a step of calculating the investment ratio to be invested in the Nth year (wherein N is an integer of 2 or more) by dividing the difference between the investment ratio of the condominium repair reserve fund to be invested in an investment trust in the (N-1)th year using the golden section method and a preset upper limit maximum investment ratio P by a preset investment ratio increase ratio M, and adding this value to the investment ratio to be invested in the (N-1)th year.

[0012] In addition, the information processing device of the present invention is an information processing device that determines an investment rate when an apartment building repair reserve fund is invested in an investment trust at an investment rate according to the number of years of accumulation, and is characterized by having an investment rate calculation unit that calculates the investment rate to be invested in the Nth year (where N is an integer of 2 or more) by adding the difference between the investment rate of the repair reserve fund to be invested in the investment trust in the (N-1)th year according to the golden section method and a preset upper limit maximum investment rate P, which is divided by a preset investment rate addition rate M, to the investment rate to be invested in the (N-1)th year, and an investment amount calculation unit that applies the calculated investment rate to calculate the actual investment amount to be invested in the Nth year. Effect of the Invention

[0013] We can propose a method and program for determining the investment ratio of condominium repair reserve funds, which reduces concerns about the principal of the repair reserve funds being lost and avoids risks by allocating a specified portion of the repair reserve funds to the management of investment trusts, etc., thereby obtaining a reasonable return on investment. [Brief description of the drawings]

[0014] [Figure 1] This is a diagram to explain the investment ratio, that is, what percentage of the total repair reserve fund collected will be allocated to investment in each year from the first to the fourth year, and explains the case where the upper limit maximum investment ratio P in [Equation 1] is set to 10% and the investment ratio increase ratio M is set to 2. [Diagram 2] 1 is a block diagram illustrating an outline of a configuration of an information processing device according to the present invention. [Diagram 3] 1 is a flowchart illustrating an outline of a calculation process in the information processing device of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] With regard to condominium repair reserve funds, it is generally difficult to get a consensus or agreement from the condominium management association and each resident regarding the risk of losing principal and the acceptable range of risk, so even if one were to invest, it is considered preferable to choose public bond investment trusts (bond-specialized) that do not include stocks and have a low risk of price fluctuations, such as government bonds and corporate bonds, or money market funds (MMFs) that are highly safe and have good liquidity, such as short-term government bonds and commercial paper.

[0016] In addition, it is known that it is preferable to reduce specific market risks by using bond investment trusts that diversify their investments into bonds from around the world or bonds denominated in different currencies, among which risk diversification is achieved from the above perspective. It has also been reported that by making them suitable for short-term management, it is possible to reduce the risk of unpredictable long-term futures, and that by selecting short-term bond funds or ultra-short-term funds with management periods of several months to several years (typically less than 10 years), it is possible to match the nature of repair reserve funds.

[0017] However, it should be noted that investment trusts incur purchase fees and management fees (trustee fees), so you should choose products with low fees and trustee fees, and give priority to no-load financial products (no purchase fees). Also, from the perspective of avoiding exchange rate risk, investment trusts that contain 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 able to be converted into cash reliably when needed, some people think it is best to avoid products that are based on ultra-long-term management (for example, stock-focused products) as much as possible.

[0018] When investing an apartment repair reserve fund, there are the points to keep in mind as mentioned above, but there is also the ever-present problem of how much of the repair reserve fund to invest. From a safety standpoint, the majority of the reserve fund (80-90%) can be invested in fixed-term deposits or government bonds, for example, and the remaining 10-20% can be diversified into public bond investment trusts. Alternatively, if you want to take a little risk in pursuit of higher yields, you can invest 70% of the reserve fund in safe assets (fixed-term deposits or government bonds) and the remaining 30% in short-term bond investment trusts or diversified investment trusts.

[0019] For example, even if the management association decides to invest up to 10% of the condominium's repair reserve fund, the tolerance for risk in the repair reserve fund is expected to differ between the first year after construction when there is almost no reserve accumulated and the state where a certain amount of reserve accumulated after several years have passed since construction. In the first year after construction when there is almost no reserve accumulated, you will want to increase the reserve fund as quickly and safely as possible in preparation for unexpected sudden repair expenses such as natural disasters. On the other hand, when several years have passed since construction and a certain amount of reserve accumulated, there is a little leeway, or a certain amount of surplus, so it may be acceptable to safely secure the minimum reserve fund and increase the amount of the remaining reserve fund to be invested within the desired upper limit.

[0020] By using this invention, it is possible to appropriately determine the proportion of repair reserve funds to be invested according to the number of years that have passed since the building was constructed, using the golden section method. The more years that have passed, the higher the investment ratio can be, but at the same time, it is possible to keep the investment ratio from exceeding the upper limit of the investment ratio, for example 10%, and to make it possible to approach the upper limit of 10% as the years pass.

[0021] The following [Equation 1] is the investment ratio calculation formula of the present invention for determining how much of an apartment building's repair reserve fund will be invested in an investment trust in the Nth year after construction (where N is an integer of 2 or greater), and explains the golden ratio for calculating the investment ratio for the following year, the Nth year, using the investment ratio for the previous year, the (N-1)th year.

[0022]

number

[0023] In [Equation 1], M is a preset investment rate increase ratio, which is an arbitrary number equal to or greater than 1. Also, in [Equation 1], P is a preset upper limit maximum investment rate (an arbitrary upper limit rate), and if P is set to 10%, for example, 10% or less of the total repair reserve fee collected is allocated to investment trusts, and the remaining 90% or more can be allocated to bank deposits and the purchase of government bonds.

[0024] Specifically, if the upper limit of the maximum investment ratio P is set to 10% and the investment ratio add-on ratio M is set to 2, and 5% of the total repair reserve fund is allocated 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, which is 7.5%. Similarly, the investment ratio in the third year can be calculated based on [Equation 1] as 7.5 + (10-7.5) / 2, which is 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 stored in a bank deposit. The more the investment ratio add-on ratio M is set to a value greater than 1, the more gradually the investment ratio will increase over the years, and the smaller the investment ratio add-on ratio M is, the closer it is to 1 and the more steeply the investment ratio will increase over the years.

[0025] In this way, by using the investment ratio calculation of the present invention, the ratio allocated to the investment trust can be increased year by year, while the upper limit of the maximum investment ratio P, for example 10%, will not be exceeded, and risk investment can be safely increased within this upper limit. Since the repair reserve fund is gradually accumulated over the years, it is relatively easy to respond to emergency expenses and repairs for natural disasters and natural disasters, and the surplus capacity gradually increases, while since the repair reserve fund is not yet sufficient immediately after the start of the accumulation due to the new construction, it is possible to keep the proportion of the amount allocated to investment relatively low. Figure 1 is a diagram explaining the investment ratio, which is the percentage of the total repair reserve fund collected in each year from the first year to the fourth year. However, in Figure 1, the upper limit of the maximum investment ratio P is set to 10%, the investment ratio addition ratio M is set to 2, and the investment ratio in the first year is set to 5%.

[0026] To explain the above example in more detail in terms of investment amounts, if a total of 1 million yen is collected as repair reserve funds in the first year, 50,000 yen would be invested in a mutual fund; if a total of 1 million yen is collected as repair reserve funds in the second year, 75,000 yen would be invested; if a total of 1 million yen is collected as repair reserve funds in the third year, 87,500 yen would be invested; and if a total of 1 million yen is collected as repair reserve funds in the fourth year, 96,875,000 yen would be invested in a mutual fund. The remaining amounts from each year could be held as low-risk bank deposits.

[0027] In this way, if the upper limit is set at 10%, it is possible to invest a portion of the collected repair reserve fund each year within that range in an investment trust, while the investment percentage will increase each year. This makes it possible to maintain a high level of balance between satisfaction from the investment, securing the interest, and safe asset management without risk, making it easier to gain the consensus and understanding of residents and the consent of the management association.

[0028] (Outline of the configuration of information processing device) FIG. 2 is a block diagram for explaining the outline of the configuration of the information processing device 1000 of the present invention. In FIG. 2, the information processing device 1000 can set the upper limit maximum investment ratio P and the investment ratio add-on ratio M as arbitrary numbers in advance. For example, when a maximum of 30% of the collected repair reserve fund is appropriated for investment, the upper limit maximum investment ratio P can be set to 30%. In addition, the investment ratio add-on ratio M can be set to a smaller value when it is desired to increase the investment ratio sharply every year, and to a larger value when it is desired to increase more slowly. These set values ​​may be appropriately modified and reset according to changes in the investment conditions and the investment environment.

[0029] The information processing device 1000 of the present invention also includes an investment rate calculation unit 1100 that calculates the investment rate for the Nth year from [Mathematical Expression 1] based on the investment rate for the (N-1)th year, the preset upper limit maximum investment rate P, and the investment rate add-on rate M. Since the investment rate for the (N-1)th year is the value for the year prior to the year to be calculated, a value stored in any storage unit or temporary memory of the information processing device 1000 may be used. Note that, with regard to the investment rate for the first year, any investment rate can be set within a range of values ​​smaller than the preset upper limit maximum investment rate P as an initial value, without the need to use the information processing device 1000 of the present invention.

[0030] The information processing device 1000 of the present invention also includes an investment amount calculation unit 1200 that calculates the investment amount for a given year (the Nth year) 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 (the Nth year). The investment amount calculation unit 1200 can calculate the investment amount for the Nth year by multiplying the calculated investment ratio by the total amount of repair reserve funds collected (or to be collected) in the Nth year. The total amount of repair reserve funds can also be a value that is automatically downloaded online from the transaction history of a bank account or an electronic passbook and automatically tallied. The information processing device 1000 may output and display the investment amount calculated by the investment amount calculation unit 1200 on a separate monitor or any other display device. By using the information processing device 1000 of the present invention, it is possible to calculate the investment ratio and its amount for any Nth year in the future, and it is also possible to separately and easily perform predictions of the reserve funds of the pure deposit reserve portion that is not allocated to investment, and predictions of the total investment amount of the investment trust portion that is allocated to investment, etc. The investment amount for the investment trust portion may be calculated as compound interest by setting a predetermined dividend yield, etc. For repair reserve funds, which are generally set aside in 10-year increments, such compound interest calculations are extremely effective. When outputting and displaying on a monitor or any other display device, it is preferable to present or display the information in an easy-to-read and easy-to-understand form as a graph or table.

[0031] (Overview of the operation of information processing device) 3 is a flow chart for explaining an outline of the arithmetic processing in the information processing device 1000 of the present invention. The outline of the arithmetic processing in the information processing device 1000 will be explained below based on the flow of FIG.

[0032] (Step S100) The information processing device 1000 is preset with an upper limit maximum investment ratio P and an investment ratio top-up ratio M. These set values ​​may be values ​​input and stored in advance in other setting means or a storage device, or an operator may input any set value at the time of calculation. By inputting a tentative set value and performing calculation, it is possible to perform a future simulation of any calculation year N in that case, and it is also possible to change the tentative set value in various ways and try how the repair reserve fund will change and increase as future years N pass.

[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]. The investment ratio for the first year can be calculated based on the value for the previous year by setting an initial value in advance.

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

[0035] The method for determining the investment ratio of a condominium repair reserve fund of the present invention is a method for an information processing device to determine an investment ratio when the condominium repair reserve fund is invested in an investment trust at an investment ratio according to the number of years of the investment, and is characterized by carrying out the steps of: calculating the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by adding the difference between the investment ratio of the condominium repair reserve fund to be invested in an investment trust in the (N-1)th year using the golden section method and a preset upper limit maximum investment ratio P, which is divided by a preset investment ratio increase ratio M, to the investment ratio to be invested in the (N-1)th year; 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 decide the investment ratio for the following year's investment trust based on the investment ratio invested in the previous year's investment trust, but also makes it possible to make investments that allow the investment ratio to be steadily increased each year while keeping it within a range that does not exceed the preset upper limit. In the case of repair reserve funds for condominiums, etc., which require an extremely high level of safety, it is often hesitant to take on high risks in pursuit of high investment profits, and it is often difficult to obtain the consensus of all residents and management associations to take such a measure.

[0037] On the other hand, in the current price climate where further inflation is certain, leaving a large amount of repair reserve funds as deposits with low bank interest rates is essentially watching the asset (face value) value decline, even if the amount will not decrease in the future. Therefore, it is preferable to invest a certain amount and aim to increase it to a level commensurate with rising prices.

[0038] On the other hand, it is true that investment management cannot completely eliminate the risks, so it is very important to determine the percentage and amount to be allocated to investment management when it comes to repair reserve funds for condominiums, etc. In that case, it is also necessary to obtain the consent and understanding of many residents and management associations with various family environments and economic situations, so the hurdle for appropriate investment management is quite high.

[0039] According to the method of the present invention for determining the investment ratio for a condominium repair reserve fund, if an upper limit investment ratio P is determined in advance according to the location environment of the condominium or other collective housing and the circumstances of the residents, and the investment ratio can be kept low at the beginning of the accumulation while gradually increasing each year within the range of the investment ratio P. As a result, it is possible to steadily accumulate a repair reserve fund by reducing the investment amount at the beginning and increasing the balance of safe bank deposits, etc., while it is also possible to obtain a higher investment return by increasing the investment ratio as the deposit balance increases to a certain extent.

[0040] In addition, the speed at which the investment ratio is increased can be preset as an investment ratio addition ratio M, where M is any number equal to or greater than 1. The larger the number M, the slower the speed at which the investment ratio is increased.

[0041] Furthermore, if the investment rate increase ratio M were set to a number less than 1, there would be cases where it would exceed the preset upper limit of the investment rate P, but the following year it would fall below the preset upper limit of the investment rate P, so that on average it would end up settling close to the preset upper limit of the investment rate P, which would contribute to achieving the original objective. Therefore, it is believed that determining the investment rate using this kind of golden section method would more easily gain the consent of many residents and management associations under various economic conditions.

[0042] Furthermore, the method of determining the investment rate for a condominium repair reserve fund of the present invention is characterized in that the investment rate for the first year is preferably smaller than the upper limit maximum investment rate P, and the calculated investment rate is always a value between the investment rate for the first year and the upper limit maximum investment rate P regardless of the value of N. This typically results in the investment rate gradually increasing toward the upper limit maximum investment rate P as shown in Figure 1, making it possible to achieve a high level of balance between the satisfaction of the investor, the dividend interest thereon, and the safety of the repair reserve fund.

[0043] Furthermore, the method of determining the investment ratio of the condominium repair reserve fund of the present invention is preferably characterized in that the preset investment ratio add-on ratio M is an arbitrary number equal to or greater than 1. The smaller the investment ratio add-on ratio M is, the greater the increase in the investment ratio each year will be. By setting the investment ratio add-on ratio M to 1 or greater, 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) from the previous investment ratio to the current investment ratio. Although it approaches this ratio infinitely, it will never exceed the upper limit maximum investment ratio P, so it is possible to continue investing with peace of mind by reducing the risk of excessive loss and the risk of capital loss. The repair reserve fund that is not used for investment can be saved as a bank deposit, as the name suggests, so at least the face value can be prevented from decreasing.

[0044] In addition, the investment ratio calculation program for condominium repair reserve funds of the present invention is a program that causes a computer to calculate the investment ratio when a condominium repair reserve fund is invested in an investment trust at an investment ratio according to the number of years of the accumulation, and is characterized in that the program executes a step of calculating the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by dividing the difference between the investment ratio of the condominium repair reserve fund to be invested in an investment trust in the (N-1)th year using the golden section method and a preset upper limit maximum investment ratio P by a preset investment ratio increase ratio M and adding the result to the investment ratio to be invested in the (N-1)th year.

[0045] This not only makes it possible to realize a program that appropriately determines the investment ratio to be invested in the next year's investment trust based on the investment ratio invested in the previous year's investment trust, but also makes it possible to provide a program that allows investment to be made that ensures that the investment ratio increases every year while keeping the investment ratio within a range that does not exceed a preset upper limit investment ratio. In the case of repair reserve funds for condominiums and the like, which require extremely high safety, it is often hesitant to take on high risks in order to seek high operating profits, and it is often difficult to obtain the consensus of all residents and management associations to deal with such a situation, but this can be solved by using the program of the present invention.

[0046] Furthermore, in the current price climate where further inflation is certain, leaving large repair reserve funds as cash or deposits with low bank interest rates is like sitting back and watching the asset (face value) value decline, even if the amount will not decrease in the future. Therefore, residents and management associations expect that the funds will be invested to a certain extent and increased to match rising prices.

[0047] On the other hand, it is true that investment management cannot completely eliminate the risks, so it is very important to determine the percentage and amount to be allocated to investment management when it comes to repair reserve funds for condominiums, etc. In such cases, it is necessary to obtain the consent and understanding of multiple residents and management associations with various family environments and economic situations, so the hurdle to appropriate investment management is by no means low.

[0048] According to the investment ratio calculation program for condominium repair reserve funds of the present invention, if an upper limit investment ratio P is determined in advance according to the location environment of the condominium or other collective housing complex and the circumstances of the residents, it is possible to provide a program that allows the investment ratio to be kept low at the beginning of the savings and gradually increased each year within the range of the investment ratio P. As a result, it is possible to steadily save up repair reserve funds by reducing the investment amount at the beginning and increasing the balance of safe bank deposits, etc., while also providing a program that allows the investment ratio to be increased as the deposit balance increases to a certain extent, thereby obtaining higher investment returns.

[0049] In addition, the speed at which the investment rate is increased can be preset as an investment rate addition ratio M, where M is any number equal to or greater than 1, and the larger the number M, the slower the speed at which the investment rate is increased can be the program.

[0050] Furthermore, if the investment rate increase ratio M were set to a number less than 1, there would be cases where it would exceed the preset upper limit of the investment rate P, but the following year it would fall below the preset upper limit of the investment rate P, so that on average it would end up settling near the preset upper limit of the investment rate P, making it a program that contributes to achieving the original objectives. Therefore, such an investment rate calculation program using the golden section method is believed to be more easily agreed upon by many residents and management associations under various economic conditions.

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

[0052] In addition, the investment rate calculation program for condominium repair reserve funds of the present invention is preferably characterized in that the preset investment rate add-on ratio M is an arbitrary number equal to or greater than 1. The smaller the investment rate add-on ratio M is, the greater the annual increase in the investment rate becomes. By setting the investment rate add-on ratio M to 1 or greater, it is possible to increase the investment rate this time by multiplying the difference between the previous investment rate and the upper limit maximum investment rate P by (1 / M) from the previous investment rate. Since the investment rate approaches infinitely close, but does not exceed the upper limit maximum investment rate P, this program reduces the risk of excessive loss and the risk of capital loss, making it possible to continue investing with peace of mind. As the name suggests, the repair reserve fund that is not used for investment can be saved as a bank deposit, etc., making this a novel program that can at least prevent the face value from decreasing.

[0053] In addition, the information processing device of the present invention is an information processing device that determines an investment rate when an apartment building repair reserve fund is invested in an investment trust at an investment rate according to the number of years of accumulation, and is characterized by having an investment rate calculation unit that calculates the investment rate to be invested in the Nth year (where N is an integer of 2 or more) by adding the difference between the investment rate of the repair reserve fund to be invested in the investment trust in the (N-1)th year according to the golden section method and a preset upper limit maximum investment rate P, which is divided by a preset investment rate addition rate M, to the investment rate to be invested in the (N-1)th year, and an investment amount calculation unit that applies the calculated investment rate to calculate the actual investment amount to be invested in the Nth year.

[0054] This not only enables the information processing device to appropriately determine the investment ratio to be invested in the investment trust for the following year based on the investment ratio invested in the investment trust for the previous year, but also enables the information processing device to make investments that can reliably increase the investment ratio every year while keeping the investment ratio within a range that does not exceed the upper limit of the investment ratio set in advance. In the case of repair reserve funds for condominiums, etc., which require extremely high safety, people are often hesitant to take high risks in order to seek high operating profits, and it is often difficult to obtain the consensus of all residents and management associations in such a response. This is because the range and degree of risk tolerance differs depending on each resident.

[0055] On the other hand, in the current price climate where further inflation is certain, leaving large repair reserve funds as deposits with low bank interest rates is essentially watching the asset (face value) value decline, even if the amount will not decrease in the future. Many residents therefore expect to invest some of the funds to increase in line with rising prices.

[0056] On the other hand, it is true that investment management cannot completely eliminate the risks, so judgments and guidelines on what percentage and amount to allocate to investment management are essential for condominium repair reserve funds. In that case, it is also necessary to obtain the consent and understanding of many residents and management associations with various family environments and economic situations, so the hurdle to appropriate management investment is high and must be overcome.

[0057] According to the information processing device of the present invention for calculating the investment ratio of an apartment building's repair reserve fund, if an upper limit investment ratio P is determined in advance according to the location environment of the apartment building or other collective housing and the circumstances of the residents, and the information processing device can be configured to keep the investment ratio low at the beginning of the accumulation and gradually increase the investment ratio each year within the range of the investment ratio P. As a result, the repair reserve fund can be accumulated reliably by reducing the investment amount at the beginning and increasing the balance of safe bank deposits, etc., while the information processing device can be configured to calculate the investment ratio to increase as the deposit balance increases to a certain extent and obtain a higher investment return.

[0058] In addition, the speed at which the investment ratio is increased can be preset as an investment ratio addition ratio M, where M is any number equal to or greater than 1, and the larger the number M, the slower the speed at which the investment ratio is increased can be made in the information processing device.

[0059] Also, if the investment rate increase ratio M is set to a number smaller than 1, there may be cases where it exceeds the preset upper limit of the investment rate P, but the following year it will be below the preset upper limit of the investment rate P, so that on average it will end up settling near the preset upper limit of the investment rate P, making it an information processing device that contributes to achieving the initial purpose. Therefore, it is believed that an information processing device that determines the investment rate using this kind of golden section method can more easily obtain the consent of many residents and management associations under various economic conditions.

[0060] Moreover, the information processing device of the present invention is characterized in that the investment ratio in the first year is preferably 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. This typically results in an information processing device that gradually increases the investment ratio toward the upper limit maximum investment ratio P as shown in Fig. 1, and it becomes possible to make the information processing device an information processing device that executes a program that aims to achieve a high level of balance between the satisfaction of the investment, the dividend interest thereon, and the safety of the repair reserve fund.

[0061] The information processing device of the present invention is preferably characterized in that the preset investment rate add-on ratio M is an arbitrary number equal to or greater than 1. The smaller the investment rate add-on ratio M is, the greater the annual increase in the investment rate becomes. By setting the investment rate add-on ratio M to 1 or greater, it is possible to set the current investment rate to an investment rate that is greater than the previous investment rate, multiplied by (1 / M) for the difference between the previous investment rate and the upper limit maximum investment rate P. Although the investment rate approaches this rate infinitely, it does not exceed the upper limit maximum investment rate P, so the information processing device can reduce the risk of excessive loss and the risk of capital loss and continue investing with peace of mind. The repair reserve fund that is not used for investment can be saved as a bank deposit, as the name suggests, so that the information processing device can execute an unprecedented and innovative program that can at least prevent the face value from decreasing.

[0062] The condominium repair reserve fund investment trust management program of the present invention is not limited to the specific explanation of the above embodiment, and can be changed, modified, processed, and applied arbitrarily based on publicly known technical common sense and social common sense and knowledge within the scope of the disclosed technical idea. For example, even if the year described as the Nth year or (N-1)th year in the above explanation is replaced with the month and applied or operated monthly, no contradiction occurs and it can be said to be preferable. Of course, it is not limited to a fixed period determined in advance by the calendar such as month or year, but can be applied to any period, for example, 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, apartment complexes, etc. [Explanation of symbols]

[0064] 1000··Information processing device, 1100··Investment ratio calculation unit, 1200··Etc. fund amount calculation unit.

Claims

1. 1. A method for determining an investment ratio when an information processing device invests a condominium repair reserve fund in an investment trust at an investment ratio corresponding to the number of years for which the condominium repair reserve fund has been accumulated, comprising: a step of calculating an investment ratio to be invested in the Nth year (where N is an integer of 2 or more) 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 preset upper limit maximum investment ratio P by a preset investment ratio add-on ratio M, and adding the result to the investment ratio to be invested in the (N-1)th year; and calculating an actual investment amount to be invested in the Nth year by applying the calculated investment rate. A method for determining the investment ratio of a condominium repair reserve fund, comprising:

2. In the method for determining an investment ratio of a condominium repair reserve fund according to claim 1, The investment rate for the first year is smaller than the upper limit of the maximum investment rate P, and the calculated investment rate is always a value between the investment rate for the first year and the upper limit of the maximum investment rate regardless of the value of N. A method for determining the investment ratio of a condominium repair reserve fund, comprising:

3. In the method for determining an investment ratio of a condominium repair reserve fund according to claim 1 or 2, The preset investment rate add-on ratio M is an arbitrary number equal to or greater than 1. A method for determining the investment ratio of a condominium repair reserve fund, comprising:

4. A program for causing a computer to calculate an investment ratio when an apartment repair reserve fund is invested in an investment trust at an investment ratio according to the number of years for which the fund has been accumulated, The step of calculating an investment ratio obtained by dividing a difference between an investment ratio of the repair reserve fund to be invested in an investment trust in the (N-1)th year by a predetermined investment ratio increase ratio M and adding the resultant difference to the investment ratio to be invested in the (N-1)th year as the investment ratio to be invested in the Nth year (where N is an integer of 2 or more) by the golden section method and a preset upper limit maximum investment ratio P is executed. A program for calculating the investment ratio of condominium repair reserve funds.

5. In the condominium repair reserve fund investment ratio calculation program according to claim 4, The investment rate for the first year is smaller than the upper limit of the maximum investment rate P, and the calculated investment rate is always a value between the investment rate for the first year and the upper limit of the maximum investment rate regardless of the value of N. A program for calculating the investment ratio of condominium repair reserve funds.

6. In the condominium repair reserve fund investment ratio calculation program according to claim 4 or 5, The preset investment rate add-on ratio M is an arbitrary number equal to or greater than 1. A program for calculating the investment ratio of condominium repair reserve funds.

7. 2. An information processing device for determining an investment ratio when an apartment building repair reserve fund is invested in an investment trust at an investment ratio corresponding to the number of years for which the fund has been accumulated, an investment ratio calculation unit that calculates an investment ratio by dividing a difference between an investment ratio of the repair reserve fund to be invested in an investment trust in the (N-1)th year according to the golden section method and a preset upper limit maximum investment ratio P by a preset investment ratio add-on ratio M, and adding the result to the investment ratio to be invested in the (N-1)th year, as the investment ratio to be invested in the Nth year (where N is an integer of 2 or more); and an investment amount calculation unit that calculates an actual investment amount to be invested in the Nth year by applying the calculated investment ratio.

23. An information processing apparatus comprising:

8. 8. The information processing device according to claim 7, The investment rate for the first year is smaller than the upper limit of the maximum investment rate P, and the calculated investment rate is always a value between the investment rate for the first year and the upper limit of the maximum investment rate regardless of the value of N.

23. An information processing apparatus comprising:

9. 9. The information processing device according to claim 7, The preset investment rate add-on ratio M is an arbitrary number equal to or greater than 1.

23. An information processing apparatus comprising:

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