Management device, management system, management method, and program

Abstract

To appropriately support users in purchasing investment products across multiple accounts, in accordance with target portfolio information obtained from the user. [Solution] A management device comprising: an acquisition unit that acquires target portfolio information indicating the allocation to investment financial products set by the user; and a determination unit that refers to the user's holdings information stored in a storage unit and determines the amount of financial products the user will purchase in a first account and a second account different from the first account, based on the target portfolio information, the holdings information, and the market value information and attribute information of the investment products, wherein the attribute information includes information indicating whether the purchase is possible through the first account.

Description

Technical Field

[0001] The present invention relates to a management device, a management system, a management method, and a program.

Background Art

[0002] In recent years, various technologies for supporting investments in financial products such as stocks have been put into practical use. For example, Patent Documents 1 and 2 disclose inventions of devices that manage a first account and a second account that can receive preferential treatment, and automatically perform selling and purchasing based on comparison of the current unit price and the unit price at the time of purchase, expected return, and assumed risk.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0004] The inventions described in Patent Documents 1 and 2 above may not be able to appropriately support the purchase of financial products as investment targets using a plurality of accounts according to the target portfolio information acquired from the user.

[0005] One object of the present invention is to provide a management device, a management system, a management method, and a program that can appropriately support the purchase of financial products as investment targets using a plurality of accounts according to the target portfolio information acquired from the user, taking such circumstances into consideration.

Means for Solving the Problems

[0006] One aspect of the present invention is a management device comprising: an acquisition unit that acquires target portfolio information indicating the allocation to investment financial instruments set by the user; and a determination unit that refers to the user's held securities information stored in a storage unit and determines the amount of financial instruments to be purchased by the user in a first account and a second account different from the first account, based on the target portfolio information, the held securities information, and the market value information and attribute information of the investment instruments, wherein the attribute information includes information indicating whether the investment is available for purchase in the first account.

[0007] Another aspect of the present invention is a management system comprising a management device according to one aspect of the present invention and a terminal device that transmits the target portfolio information generated based on user operations to the management device, wherein the acquisition unit acquires the target portfolio information from the terminal device.

[0008] Another aspect of the present invention is a management method in which a management device acquires target portfolio information indicating the allocation to investment targets set by a user, refers to the user's holdings information stored in a storage unit, and determines the amount of financial products to be purchased by the user in a first account and a second account different from the first account, based on the target portfolio information, the holdings information, and the market value information and attribute information of the investment targets, wherein the attribute information includes information indicating whether or not the investment is available for purchase in the first account.

[0009] Another aspect of the present invention is a program that causes the processor of a management device to perform the following processes: acquiring target portfolio information indicating the allocation to investment targets set by the user; and referring to the user's holdings information stored in the storage unit, and determining the amount of financial products the user will purchase in a first account and a second account different from the first account, based on the target portfolio information, the holdings information, and the market value information and attribute information of the investment targets, wherein the attribute information includes information indicating whether or not the investment is available for purchase in the first account. [Effects of the Invention]

[0010] According to one aspect of the present invention, it is possible to appropriately support the purchase of financial products for investment purposes using multiple accounts in accordance with target portfolio information obtained from the user. [Brief explanation of the drawing]

[0011] [Figure 1] This figure shows an example of the configuration of the control device according to the present invention and its surrounding environment. [Figure 2] This figure shows an example of the contents of the information on stock holdings. [Figure 3] This figure shows an example of the content of target portfolio information. [Figure 4] This figure shows an example of the contents of stock attribute information. [Figure 5] This is a flowchart (Part 1) illustrating an example of the processing flow performed by the terminal device (securities application) and the management device. [Figure 6] This figure shows an example of the calculation process in the decision-making section. [Figure 7] This is a flowchart (part 2) illustrating an example of the processing flow performed by the terminal device (securities application) and the management device. [Figure 8] This flowchart (part 3) shows an example of the processing flow executed by the terminal device (securities application) and the management device. [Figure 9]This figure shows an example of a screen in a securities app that accepts the setting of target portfolio information. [Figure 10] This figure shows an example of the configuration and surrounding environment of a terminal device according to the present invention. [Modes for carrying out the invention]

[0012] [Summary] The management device, management system, management method, and program of the present invention will be described below with reference to the drawings. The management device is implemented by one or more processors. The management device is a device that assists users in purchasing financial products. The management device is, for example, a function of a trading intermediary device (hereinafter referred to as a securities company server) operated by a securities company. The management device communicates with an application program (hereinafter referred to as a securities app) running on the user's terminal device and provides the user with various investment-related services. As will be described later, the management device may also be a function of the user's terminal device.

[0013] [composition] Figure 1 shows an example of the configuration and surrounding environment of the management device 100 according to the present invention. The management device 100 communicates with one or more terminal devices 10 and an exchange server 200 via a network, for example. Each terminal device 10 is a terminal device of a user who wishes to use the services provided by the management device 100, and is a computer device such as a personal computer, tablet terminal, or smartphone. A securities app 20, which is a dedicated application program for receiving services from the management device 100, runs on the terminal device 10. Instead of the securities app 20, a general-purpose browser or the like may run on the terminal device 10 to access the management device 100. The network includes the internet, cellular network, dedicated line, WAN (Wide Area Network), LAN (Local Area Network), etc.

[0014] The exchange server 200 receives orders from a plurality of securities company servers, matches buy orders and sell orders by means of the call auction method or the order-driven method, and concludes the sale and purchase of financial products. The exchange server 200 returns the results of the sale and purchase to the securities company servers. Here, it is assumed that the management device 100 has the functions of a securities company server, but the management device 100 may also request order placement to a separate securities company server.

[0015] The management device 100 includes, for example, an IF (Interface) unit 110, a determination unit 120, an order placement processing unit 130, and a storage unit 180. The IF unit 110 includes an acquisition unit 112 and an output unit 114. The components other than the storage unit 180 are realized, for example, when a hardware processor such as a CPU (Central Processing Unit) executes a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), SOC (System On Chip), etc., or may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed by mounting the storage medium on a drive device.

[0016] When the management device 100 is mainly realized by software, the role sharing of the functional units of the management device 100 described below is only a rough division of the software into functions for convenience, and thus can be changed as appropriate. Therefore, the content of the invention is not limited to the description such as "the ○○ unit performs ○○ processing".

[0017] The storage unit 180 is a RAM (Random Access Memory), HDD, flash memory, etc. Information such as user information 182, owned stock information 184, target portfolio information 186, and stock attribute information 188 is stored in the storage unit 180. The user information 182 is, for example, information in which information such as name, address, age, occupation, deposit, withdrawal account, and profile information is associated with a user ID that is the identification information of the user.

[0018] FIG. 2 is a diagram showing an example of the content of the owned stock information 184. The owned stock information 184 is information associated with the user ID, and for each of the first account and the second account, the stock of the financial product held by the user and the quantity held are associated. The financial products for investment targets include, for example, some or all of individual stocks, bonds, ETFs (Exchange Traded Funds), investment trusts, fiat currencies, cryptocurrency assets, commodities, etc. Regarding the first account, those that can be traded in principle among the above are investment targets. The first account is, for example, an account that receives predetermined preferential measures such as tax incentives, and the second account is not such an account. For example, the first account is a NISA account, and the second account is a regular account. An upper limit value of the annual purchase amount is set for the first account, and further, two frames, a first frame and a second frame, are provided. The first frame is a frame applicable only to regular purchases, and the second frame is a frame applicable to both regular purchases and lump-sum purchases. For example, the first frame is a cumulative investment frame, and the second frame is a growth investment frame. Among the financial products, there are stocks that can be purchased in either the first frame or the second frame of the first account, stocks that can be purchased only in the second frame of the first account, and stocks that can be purchased only in the second account. In the first account, the upper limit value of the annual purchase amount is set for each of the first frame and the second frame. Also, an upper limit value of the total acquisition amount is set for the first account.

[0019] Figure 3 shows an example of the contents of Target Portfolio Information 186. Target Portfolio Information 186 is information associated with the user ID and indicates the allocation ratio (percentage) to the financial instruments to be invested in. Target Portfolio Information is set, for example, across the first account (first and second slots) and the second account. Alternatively, Target Portfolio Information may be set per account or per slot.

[0020] Figure 4 shows an example of the contents of stock attribute information 188. Stock attribute information 188 is information for each financial product, and it is information that associates an identification code such as the securities code with information indicating whether it can be purchased through the first account and whether the first and second quotas apply. In addition, stock attribute information 188 may be associated with various information depending on the type of financial product, such as industry classification, fiscal year end month, and yield.

[0021] The IF unit 110 provides the terminal device 10 with information that will serve as the source information for the screen displayed by the securities application 20, for example. If the securities application 20 is a web application, the IF unit 110 may also function as a web server and provide images to the terminal device 10. The acquisition unit 112 of the IF unit 110 acquires various instructions that the user inputs to the terminal device 10 via the securities application 20. The acquisition unit 112 acquires target portfolio information that the user inputs to the terminal device 10, which indicates the allocation to investment financial products, from the terminal device 10 and stores it in the storage unit 180. The output unit 114 transmits the above source information and images to the terminal device 10 for display in the securities application 20.

[0022] The decision unit 120 refers to the user's holdings information 184 stored in the memory unit 180 and determines the amount of financial products the user should purchase in the first account and the second account, respectively, based on the target portfolio information 186, the holdings information 184, and the market value information and stock attribute information 188 of the investment targets.

[0023] Figures 5 and 7-8 are flowcharts illustrating an example of the processing flow performed by the terminal device 10 (securities application 20) and the management device 100. First, the securities application 20 determines whether or not the user has instructed the setting of target portfolio information (target PF in the figure) (S10). If an instruction to set target portfolio information has been received, the securities application 20 accepts the setting of the allocation ratio for each stock in the target portfolio information (S11). The acceptance screen at this time will be described later. The securities application 20 transmits the target portfolio information to the management device 100 (S12). When the management device 100 obtains the target portfolio information, it stores it in the storage unit 180 as target portfolio information 186 (S13).

[0024] (New purchase, one-time payment) Asynchronously with the setting of target portfolio information (for example, at a later date or immediately following the setting), the securities application 20 determines whether it has received an action instruction such as a new purchase, rebalancing, or selling (S20). Upon receiving an action instruction, the securities application 20 determines whether the action instruction is a new purchase and a lump-sum purchase (S21). If the action instruction is not a new purchase and a lump-sum purchase, the process proceeds to the flowchart in Figure 7.

[0025] If the action instruction is for a new purchase and a bulk purchase, the securities app 20 sends the purchase request to the management device 100 (S22). The purchase request includes at least information on the purchase amount. The decision unit 120 of the management device 100 obtains the user's holdings information, market price information, and stock attribute information (S23), and determines the purchase amount for each stock in the first account and the second account, respectively, so that the allocation ratio at the time of purchase completion matches the target portfolio information 186 (S24). For example, the target portfolio information is expressed as the allocation ratio α1, α2, ..., αn for each stock. Here, Σαk=1 (k=1~n, k and n are natural numbers). If P1, P2, ... Pn are the price per unit of each stock (the price at the time of calculation or when the action instruction is received, i.e., the market price), Q1, Q2, ... Qn are the number of shares already held by the user, M is the new purchase amount, and A1, A2, ... An are the new purchase quantities for each stock (number of shares or units to be purchased), then the decision unit 120 determines the new purchase quantities A1, A2, ... An so as to satisfy, for example, equations (1) and (2). Note that when making a new purchase, A1, A2, ... An will be corrected to zero even if the calculation result is negative (no sales will occur even if the result is negative). Note that when determining the purchase quantity, rounding operations such as rounding up, rounding down, or rounding to the nearest integer may be performed as appropriate.

[0026] P1×(Q1+A1):P2×(Q2+A2):…:Pn×(Qn+An)=α1, α2,…αn …(1) A1×P1+A2×P2+…+An×Pn=M…(2)

[0027] The decision unit 120 determines which account to purchase from based on the stock attribute information as follows: (A) Stocks that can be purchased in the second slot of the first account will be purchased in the second slot of the first account. However, if the second slot of the first account is full, the stocks will be purchased in the second account. (B) Stocks that can only be purchased in the second account will be purchased in the second account. Here, "full" means that the total value at the time of purchase has already reached the annual purchase limit for both the first and second slots of the first account. Here, if a stock can be purchased in the second slot of the first account, and has not yet reached the annual purchase limit for the second slot, but purchasing the entire amount in the second slot would exceed the limit, the purchase amount may be distributed between the first and second accounts. For example, if the annual purchase limit for the second slot of the first account is 20,000 yen away from being reached, and the purchase amount calculated using the above formula is 50,000 yen, it may be decided to purchase 20,000 yen in the second slot of the first account and the remaining 30,000 yen in the second slot. Furthermore, if the purchase quantity determined as described above exceeds the upper limit of the total acquisition amount for the first account, the decision unit 120 may allocate the excess amount to the second account. In this way, the decision unit 120 determines the amount of financial products the user will purchase in the first account based on the upper limit of the annual purchase amount and the upper limit of the total acquisition amount that can be purchased in the first account.

[0028] As can be seen from equations (1) and (2), when the target portfolio information includes multiple securities that can be purchased by the first account, the decision unit 120 determines the amount of financial instruments (securities) to be purchased by the user in the first account so as to maintain the allocation ratio among the multiple securities that can be purchased by the first account in the target portfolio information. Figure 6 shows an example of the calculations performed by the decision unit 120. For example, if the deposit amount is 100,000 yen, the amount of assets held before purchase is 200,000 yen, the target amount of assets held in the first account (the total amount of securities decided to be purchased in the first account after purchase) calculated above for the assets after purchase including the deposit amount is 150,000 yen, and the assets held in the first account are 60,000 yen, then the decision unit 120 decides to purchase 90,000 yen worth of securities in the first account. Assume that the target portfolio information includes securities A that can be purchased in the first slot and securities B that can only be purchased in the second slot, with allocation ratios of 30% and 20% respectively in the target portfolio information, and the holding amounts at the time of calculation are 40,000 yen and 20,000 yen respectively. Stock A is available for purchase in the first slot, but here it will be purchased as a lump-sum purchase. In this case, the breakdown of the target asset amount of 150,000 yen in the first account is 90,000 yen for stock A and 60,000 yen for stock B. Therefore, 50,000 yen worth of stock A will be purchased (90,000 yen - 40,000 yen), and 40,000 yen worth of stock B will be purchased (60,000 yen - 20,000 yen).

[0029] Once the purchase quantity is determined by the decision unit 120, the order processing unit 130 sends an order to the exchange server 200 to purchase the financial instruments according to the purchase quantity (S25). This completes the bulk purchase process. Prior to processing S25, the purchase quantity may be sent to the securities application 20, and the order may be sent only after final approval is received in the securities application 20. Furthermore, manual operation may be involved in part of the processing of the order processing unit 130. The cash required for the purchase may be obtained from the user's deposit account, or it may be debited from the withdrawal account each time a purchase is made.

[0030] (New purchase, subscription) As mentioned above, if it is determined in S21 that the action instruction is not a new purchase and not a one-time purchase, the processing shown in the flowchart of Figure 7 begins. The decision unit 120 determines whether the action instruction is a new purchase and not a recurring purchase (S30). If it is determined that the action instruction is not a new purchase and not a recurring purchase, the process proceeds to the processing shown in the flowchart of Figure 8.

[0031] If the action instruction is for a new purchase and a recurring purchase, the securities app 20 sends a purchase request to the management device 100 (S31). The purchase request may include at least information on the purchase amount, the purchase period and frequency (e.g., once a month, once every two months), or information on the purchase period and number of purchases that indirectly indicates the purchase frequency (a predetermined schedule). The decision unit 120 of the management device 100 calculates the purchase amount Mp for each purchase according to this schedule (S32). Mp is obtained by dividing the total purchase amount by the number of purchases. The decision unit 120 then obtains the user's holdings information, market price information, and stock attribute information (S33), and determines the purchase amount for each stock in the first account and the second account, respectively, so that the allocation ratio at the time of completion of each recurring purchase matches the target portfolio information 186 (S34). The purchase amount in this case is obtained by equations (1) and (3). Similarly, when making new purchases, the minimum number of A1, A2, ..., An will be corrected to zero even if it becomes negative (it will not be sold even if it becomes negative). When determining the purchase quantity, rounding operations such as rounding up, rounding down, or rounding to the nearest integer may be performed as appropriate.

[0032] P1×(Q1+A1):P2×(Q2+A2):…:Pn×(Qn+An)=α1, α2,…αn …(1) A1×P1+A2×P2+…+An×Pn=Mp…(3)

[0033] The decision unit 120 determines which account to purchase from based on the stock attribute information as follows: (A) Stocks available for purchase in the first slot of the first account will be purchased in the first slot of the first account. However, if the first slot of the first account is full, the second slot of the first account will be used, and if that is also full, the purchase will be made in the second account. (B) Stocks available for purchase in the second slot of the first account will be purchased in the second slot of the first account. However, if the second slot of the first account is full, the purchase will be made in the second account. (C) Stocks available only for purchase in the second account will be purchased in the second account. Here, "full" means that the total value at the time of purchase has already reached the annual purchase limit for both the first and second slots of the first account. Furthermore, if the purchase quantity determined as described above exceeds the total acquisition limit for the first account, the decision unit 120 may allocate the excess amount to the second account. In this case, the decision unit 120, for example, prioritizes allocating the amount to be purchased in the second slot to the second account. In this way, the decision unit 120 determines the amount of financial products the user will purchase in the first account based on the upper limit of the annual purchase amount and the upper limit of the total acquisition amount that can be purchased in the first account.

[0034] Here, when purchasing in the first slot of the first account, an upper limit on the purchase amount per transaction may be set according to the frequency of regular purchases. As mentioned above, an upper limit on the annual purchase amount is set for the first slot of the first account. For this reason, the upper limit for regular purchases in the first slot of the first account may be set as the upper limit for regular purchases in the first slot of the first account, obtained by discounting the annual upper limit Ma according to the purchase frequency for the securities purchased in the first slot of the first account. For example, if Ma = 1.2 million yen, the upper limit for each transaction may be set as 100,000 yen per transaction for monthly purchases, 23,000 yen per transaction for weekly purchases, and 5,000 yen per transaction for daily (business day only) purchases, and the purchase account may be switched to the second account to purchase any amount exceeding these limits.

[0035] When the purchase quantity is determined by the decision unit 120, the order processing unit 130 sends the first order to the exchange server 200 to purchase the financial instruments according to the purchase quantity (S35). Next, the decision unit 120 determines, based on the schedule information, whether or not the timing for the second or subsequent purchases has arrived (S36). If the timing for the second or subsequent purchases has arrived, the process returns to S33, and the processes from S33 to S35 are executed. As a result, any deviation in the allocation of market value from the target portfolio information due to increases or decreases in market value between the previous purchase timing and the current purchase timing is corrected by the current purchase. As a result, the market value of each security is manipulated to match the target portfolio information throughout the purchase period. When the purchase period ends, the processing of this flowchart ends (S37).

[0036] (Rebalancing) As mentioned above, if it is determined in S30 that the action instruction is a new purchase and not a recurring purchase, the flowchart in Figure 8 is initiated. The decision unit 120 determines whether the action instruction is a rebalance (S40). Cases where the action instruction is not a rebalance, i.e., a sale or a change in user settings, are not central to the present invention and therefore will not be explained.

[0037] If the action instruction is for rebalancing, the securities application 20 sends a rebalancing request to the management device 100 (S41). The decision unit 120 of the management device 100 acquires the user's holdings information, market price information, and stock attribute information (S42), and determines the purchase and sale quantities for each stock (S43). In this case, the purchase and sale quantities are determined based on equations (1) and (4), where stocks with positive A1, A2, ... An are purchased by that amount, and stocks with negative A1, A2, ... An are sold by that amount. In the case of rebalancing, the purchase quantity in the first account may also be limited based on the upper limit of the annual purchase amount and the upper limit of the total acquisition amount that can be purchased in the first account.

[0038] P1×(Q1+A1):P2×(Q2+A2):…:Pn×(Qn+An)=α1, α2,…αn …(1) A1×P1+A2×P2+…+An×Pn=0 …(4)

[0039] Once the purchase and sale quantities are determined by the decision unit 120, the order processing unit 130 sends an order to the exchange server 200 to purchase and sell financial instruments according to those quantities (S44).

[0040] (Reception Interface) Figure 9 shows an example of a screen in the securities application 20 that accepts the setting of target portfolio information. First, as shown in the left figure, the securities application 20 presents a list of stocks and accepts the setting of the allocation ratio of the stocks selected by the user from that list (not shown). Once the allocation ratio setting is complete, the target portfolio based on the allocation ratio set by the user is shown in the shape of a pie chart, as shown in the right figure. The ratio of the arc lengths in the pie chart represents the allocation ratio. In addition, if the user already holds stocks, their investment gains and losses may be displayed in conjunction with the graph showing the target portfolio information.

[0041] (Using the goal portfolios of other users) The management device 100 and the securities application 20 may present the target portfolio information of users who have consented to disclosing their target portfolio information to others, allowing those others to use it as reference information when setting their own target portfolio information, or to set it by copying it. In this case, the target portfolio information presented to others may also include the publisher's profile information.

[0042] (An embodiment centered on terminal devices) In the above embodiment, the "management device" in the claims is assumed to be a management device 100 which is a securities server, but the "management device" in the claims may be a terminal device 10. Figure 10 is a diagram showing an example of the configuration and surrounding environment of a terminal device 10 according to the present invention. As shown in the figure, the terminal device 10 has an acquisition unit 22 and a determination unit 24 as a configuration realized by the execution of a securities application 20 by a processor. In this example, the securities application 20 corresponds to the "program" in the claims. The acquisition unit 22 acquires target portfolio information by receiving user operations. The acquisition unit 22, for example, transmits the acquired target portfolio information to the management device 100 for storage in the storage unit 180. The determination unit 24 performs the same processing as the determination unit 120 in the above embodiment to calculate the purchase and sale quantities for each security of financial products and transmits them to the management device 100.

[0043] The decision unit 24 obtains the holding information, target portfolio information, market price information, and stock attribute information necessary for calculation from the management device 100 via communication. Alternatively, the terminal device 10 and the securities application 20 may store at least some of the holding information, target portfolio information, and stock attribute information in the terminal device 10's storage device (not shown) and obtain this information from their own storage without relying on communication with the management device 100.

[0044] According to the embodiments described above, it is possible to appropriately support the purchase of investment financial products using multiple accounts in accordance with the target portfolio information obtained from the user.

[0045] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the present invention. [Explanation of Symbols]

[0046] 10 Terminal devices 20 Securities Apps 22 Acquisition Department 24 Decision Section 100 Management device 110 IF section 112 Acquisition Department Output section of 114 120 Decision Section 130 Order Processing Section 180 Storage section 184 Holdings Information 186 Target Portfolio Information 188 Stock Attribute Information 200 exchange servers

Claims

1. An acquisition unit that acquires target portfolio information indicating the allocation to investment financial products set by the user, and a purchase request from the user, from the user's terminal device. When the aforementioned purchase request is received, a decision unit refers to the user's holdings information stored in the memory unit and, based on the target portfolio information, the holdings information, and the market value and attribute information of the investment targets, determines the amount of financial products to be purchased by the user in each of the first account and a second account different from the first account, so that the allocation ratio at the time of purchase completion matches the target portfolio information, and the decision unit refers to the amount of financial products to be purchased by the user in each of the first account and a second account different from the first account, respectively, which are eligible for predetermined preferential treatment. Equipped with, The aforementioned attribute information includes information indicating whether or not it is possible to purchase with each account. The decision unit identifies usable accounts by referring to the attribute information for each financial instrument included in the target portfolio information, and automatically assigns an account to be used from among the usable accounts, prioritizing the first account, according to the priority set in the order of the first account and the second account. Management device.

2. The first account is set up with a first slot applicable only to regular purchases and a second slot applicable to lump-sum purchases, The determination unit automatically assigns the accounts to be used, with the priority set as follows: the first slot of the first account, the second slot of the first account, and the second account. The control device according to claim 1.

3. The determination unit automatically assigns the account to be used, within a range that does not exceed the upper limit of the annual purchase amount that can be purchased in the first and second limits of the first account. The control device according to claim 2.

4. The determination unit determines whether the purchase request is a lump-sum purchase or a recurring purchase, determines the purchase quantity at the time of the purchase request if the purchase request is a lump-sum purchase, and determines the purchase quantity at each purchase timing if the purchase request is a recurring purchase. The control device according to claim 1.

5. The decision unit determines that if the target portfolio information includes securities that can be purchased in the first account, and purchasing those securities according to the target portfolio information would exceed the upper limit, the excess amount will be purchased in the second account. The control device according to claim 1.

6. The decision unit, when the purchase request is a recurring purchase, sets a maximum purchase amount for each recurring purchase based on the maximum annual purchase amount in the first category and the purchase frequency, and decides to purchase any amount exceeding the maximum purchase amount in the second category or second account. The control device according to claim 3.

7. The control device according to claim 1, The terminal device transmits the target portfolio information generated based on the user's operation to the management device, Equipped with, The acquisition unit acquires the target portfolio information from the terminal device. Management system.

8. The control device, From the user's terminal device, the system obtains target portfolio information indicating the allocation to investment targets set by the user, and purchase requests from the user. A management method which, when the aforementioned purchase request is received, refers to the user's holdings information stored in the memory unit, and, based on the target portfolio information, the holdings information, and the market value and attribute information of the investment targets, determines the amount of financial products to be purchased by the user in each of the first account and a second account different from the first account, which are eligible for predetermined preferential treatment, so that the allocation ratio at the time of purchase completion matches the target portfolio information, The aforementioned attribute information includes information indicating whether or not it is possible to purchase with each account. The process for making the determination includes identifying usable accounts by referring to the attribute information for each financial instrument included in the target portfolio information, and automatically assigning an account to be used from among the usable accounts, prioritizing the first account, according to the priority set in the order of the first account and the second account. Management method.

9. The processor of the management device, A process for obtaining, from the user's terminal device, target portfolio information indicating the allocation to investment targets set by the user, and a purchase request from the user. A program for causing the user to receive a purchase request, to refer to the user's holdings information stored in the memory unit, and to determine the amount of financial products to be purchased by the user in a first account and a second account different from the first account, based on the target portfolio information, the holdings information, and the market value and attribute information of the investment targets, so that the allocation ratio at the time of purchase completion matches the target portfolio information, wherein the program performs the following processing: The aforementioned attribute information includes information indicating whether or not it is possible to purchase with each account. The process for making the determination includes identifying usable accounts by referring to the attribute information for each financial instrument included in the target portfolio information, and automatically assigning an account to be used from among the usable accounts, prioritizing the first account, according to the priority set in the order of the first account and the second account. program.

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