Methods to support investment trust management simulations

Abstract

To provide a method that displays a simulation result in which effect of compound-interest handling is easy to understand in simulation of a handling result of a trust such as an investment trust.SOLUTION: A method comprises a calculation method and a display method. The calculation method includes: setting a reference valued amount, a dividend and principal to be invested; calculating the number of investment trusts which can be purchased with the principal to be invested; cumulatively adding the number of trusts to be purchased to the number of possessed investment trusts; calculating a receivable dividend and the market price of the possessed investment trusts; calculating the number of investment trusts which can be purchased with the dividend as the number of purchase trusts to be re-invested; and calculating, as the number of possessed trusts in a next predetermined period, the number obtained by adding the number of investment trusts to be re-invested to the cumulatively added number of possessed trusts. The display method includes: displaying the principal, the cumulatively added number of possessed trusts, and the dividend to be acquired and the market price, side by side, in a display region of a display screen in one direction of the display screen; and displaying, as calculation results in the next predetermined period, the principal to be invested, the number of possessed trusts, the dividend to be acquired, and the market price in a display region displaced in an orthogonal direction orthogonal to the one direction.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a method for displaying simulation results of the operation performance of a trust such as an investment trust.

Background Art

[0002] Conventionally, investment trusts that invest in various funds and obtain distributions have been widely known. These investment trusts generally receive distributions, which are dividends on the principal amount, whether a lump sum or a savings amount, once every fixed period, for example, once a year or once every six months.

Summary of the Invention

Problems to be Solved by the Invention

[0003] However, with the extension of life expectancy, there is a demand to enrich pensions, so it is conceivable to operate distributions with compound interest. In recent years, there are also websites that provide investment trust operation simulation services. However, they are simple, such as only displaying the final amount based on inputs such as the amount of savings, the savings period, and the assumed rate of return. It is difficult to understand the compound interest effect, the impact of fluctuations in the benchmark value, distributions, etc. in the operation of reinvesting investment trusts with distributions. Since the price of a fund fluctuates due to factors such as the economic situation, there is also a risk of significant losses in compound interest operations, which is particularly difficult for individual customers to understand. Therefore, an object of the present invention is to provide an investment trust operation simulation that can make it understood that sufficient profits can be obtained even in compound interest operations regardless of fluctuations in the price of the fund.

Means for Solving the Problems

[0004] To achieve the above object, the investment trust operation simulation support method according to the present invention uses a spreadsheet system operating on a computer, (1) Set the benchmark value per unit share and the distribution per unit share, (2) Set the principal amount to be invested, (3) Based on the net asset value per unit, the number of investment trust units that can be purchased with the principal to be invested is calculated as the number of units to be purchased. (4) The number of units purchased is added to the number of units held in the investment trust, (5) Distributions from the operation of the investment trust over a specified period, the payable distributions are calculated based on the distribution per unit and the number of units of the investment trust held. (6) Based on the net asset value per unit, the market value of the number of units held in the investment trust is calculated, (7) A calculation method which involves calculating the number of investment trust units that can be purchased with the distribution payments based on the net asset value per unit in the next predetermined period, and calculating the number of units held in the next predetermined period by adding the number of reinvested units to the cumulatively added number of units held, The principal, the cumulative number of units held, the dividends to be received, and the market value are displayed in a unidirectional manner within the display area of ​​the display screen. The display method includes, based on the results of (1) to (7) above performed during the following predetermined period, displaying the principal amount to be invested, the number of units held, the dividends to be received, and the market value in a display area that is shifted in an orthogonal direction perpendicular to the aforementioned one direction.

[0005] According to the method described above, the number of units held can be increased through dividends. Therefore, if the net asset value of the purchased investment trust rises, the market value will rise accordingly. Conversely, if it falls, the number of units that can be acquired through dividends will increase, and the market value will not decrease. Furthermore, a significant increase in market value is expected due to future increases in the net asset value.

[0006] In the present invention, the aforementioned one direction may be the horizontal direction of the display screen, and the aforementioned orthogonal direction may be the vertical direction of the display screen. With this arrangement, the time series of the operational simulation results is displayed in the vertical direction, making it easy to intuitively check, and even when the display area is vertically elongated, it is easy to visually check the progress of the operational simulation results as the display screen is scrolled.

[0007] In the present invention, the net asset value and the distribution amount may be changed at predetermined intervals. This makes it easy to check the calculation results for various patterns when the net asset value and distribution amount of the investment trust being purchased fluctuate over time.

[0008] In the present invention, the principal to be invested in the calculation method may be either principal to be invested as a lump sum or principal to be invested as a reserve fund. This allows for the separate setting and display of principal in typical patterns, such as when a lump sum is invested at the start of investment or when a bonus is paid, when a fixed amount is continuously invested at predetermined intervals, or combinations of these cases. As a result, it is easy to confirm the pattern in which the principal has been invested and to easily understand the effects thereof.

[0009] In this invention, it may be possible to manage whether to receive the available distributions or reinvest them in the purchase of investment trusts by setting a flag at predetermined intervals. This makes it easy to set how to use the available distributions at any predetermined interval, and makes it easy to check the amount received and the status of assets when receiving distributions from a certain period of time. [Effects of the Invention]

[0010] According to the investment trust management simulation support method of the present invention, when receiving dividends is reinvested to purchase investment trusts and the number of investment trust units is compounded, items that require complex calculations, such as the cumulative amount of principal invested, the number of investment trust units held and their market value, and the dividends received, are displayed on the screen in a unidirectional manner for each predetermined period during the investment simulation period. This makes it easier to confirm the advantageous effects of compounding compared to verbal explanations. [Brief explanation of the drawing]

[0011] [Figure 1] This is a front view showing the main part of a display screen according to a display method of one embodiment of the present invention. [Figure 2] Figure 1 is a front view showing other key parts of the display screen. [Figure 3] This is a front view showing the main part of a display screen according to a display method according to another embodiment of the present invention. [Figure 4] This is a front view showing the main part of the display screen in the case of a reserve fund according to another embodiment of the present invention. [Modes for carrying out the invention]

[0012] Embodiments of the present invention will be described below with reference to the drawings. Figures 1 and 2 show the display screens shown by the display method of the present invention when the principal is invested as a lump sum (compound interest investment). Input is made manually to the computer, and calculations and displays are performed on the computer. The investment simulation period is set to 15 years, with years 1 to 10 shown in Figure 1 and years 11 to 15 shown in Figure 2. In this embodiment, the predetermined period is set to one month, but it may be a quarter or a year, or any other arbitrary period.

[0013] As shown in Figure 1, a lump sum of 1 million yen (column C) is invested in the first month of the first year. The simulation assumes that from the start of the first year until the maturity month of the tenth year, the available dividends are not received and are instead used to purchase investment trusts, and from the start of the eleventh year until the maturity month of the fifteenth year, the available dividends are received.

[0014] In the following embodiments, the settings that form the basis of the simulation and the simulation results are displayed in tabular format in a spreadsheet system running on a computer. The simulation items are displayed in each column of the table, and the simulation results for each predetermined period are displayed in each row of the table.

[0015] In carrying out the simulation, first, set the reference price per unit of the investment trust brand to be operated during the operation simulation period and the distribution amount paid as a result of operating the investment trust with a certain number of units over a predetermined period. Display the set reference price and distribution amount in columns A and B respectively. The reference price and the distribution amount are appropriately set referring to the current reference price of the brand and the current distribution amount. Here, the reference price is set at a fixed value of 2,600 yen and the distribution amount is set at 30 yen.

[0016] Next, set the purchase commission rate and consumption tax rate of the investment trust to be purchased. Display the set purchase commission rate and consumption tax rate in columns E and F respectively. Here, the purchase commission rate is set at a fixed value of 3% and the consumption tax rate applied to the purchase commission is set at 10%.

[0017] Next, set the tax rate for the distribution amount obtained by operating the investment trust. Display the set tax rate in column I. Here, the tax rate is set at a fixed value of 20.315%.

[0018] Next, input the principal amount to be invested. Display the principal amount invested as a lump sum in column C and the principal amount invested as a deposit in column D. The principal amount of 1 million yen invested as a lump sum in the starting month of the first year is displayed in the first row of column C.

[0019] Based on the set reference price A, the purchase commission rate E, and the consumption tax rate F, the number of units of the investment trust that can be purchased with the set principal amount of 1 million yen is calculated as the number of units held. After the next month, since the investment trust is purchased with the distributable amount receivable, the number of units held gradually increases. On the other hand, in Figure 2 where the distribution amount is received monthly from the 11th year, without additional investment of the principal amount and without purchasing the investment trust with the distributable amount receivable, the number of units held G received as an annuity remains at a fixed value.

[0020] In Figure 1, when the number of units held G is calculated, the market value of the investment trust held can be calculated as the value obtained by multiplying the reference price by the number of units held. Display the calculated market value in column L.

[0021] The number of holdings G and the market value L in the next predetermined period (the following month) are calculated based on the number of holdings G in the immediately preceding predetermined period, as well as the reference price A, the distribution amount B, and the principal C to be invested, which are set in the next predetermined period. The number of holdings G in the next predetermined period is the number of holdings G in the immediately preceding predetermined period, plus the number of shares that can be purchased with the principal C (which is zero in this case) to be invested in the next predetermined period, based on the reference price in the next predetermined period, further added to the number of shares that can be purchased with the distributable amount receivable in the immediately preceding predetermined period. The market value L in the next predetermined period is the value obtained by multiplying the reference price A in the next predetermined period by the number of holdings G in the next predetermined period.

[0022] In the next subsequent predetermined period as well, the same settings and calculations are performed and displayed in a display area further offset downward on the display screen. These settings, calculations, and displays are repeated until the operation simulation period ends. Thereby, the simulation results of the investment performance in each predetermined period within the operation simulation period are displayed.

[0023] Next, the distributable amount receivable when operating the investment trust with the number of holdings G for a predetermined period is calculated. The distributable amount receivable before tax is calculated as the value obtained by multiplying the distribution amount by the number of holdings and displayed in column H. Also, based on the distributable amount receivable before tax and the tax rate imposed on the distributable amount receivable, the distributable amount receivable after tax is calculated and displayed in column J.

[0024] The cumulative investment principal is displayed in column K. This cumulative investment principal is calculated as the sum of the principal amounts invested from the beginning of the operation until the predetermined period corresponding to that row. In this embodiment, 1 million yen of principal is invested in the starting month of the first year, and no principal is invested thereafter, so a constant value of 1 million yen is displayed in column K.

[0025] Column M is used to set a flag and manage whether the available dividends in the investment simulation are received or reinvested by purchasing investment trusts. Column M can be set to either value 1 or 2. If value 1 is set, the available dividends for the specified period are received; if value 2 is set, the available dividends for the specified period are used to purchase investment trusts. In Figure 1, value 2 is set, and in Figure 2, value 1 is set.

[0026] Column N displays the total amount of dividends received from the start of operation to the predetermined period corresponding to that row, and shows the cumulative dividends received. In this embodiment, no dividends are received from the start month of the first year to the end month of the tenth year, so a constant value of 0 yen is displayed in Figure 1. On the other hand, dividends are received from the start month of the eleventh year to the end month of the fifteenth year, so in Figure 2, column N displays the cumulative dividends received, which is the cumulative value of the after-tax dividends displayed in column J.

[0027] Column O displays the sum of the market value shown in Column L and the cumulative dividends received shown in Column N. By comparing the cumulative principal investment shown in Column K with the "market value + cumulative dividends received" shown in Column O, the return on the invested capital can be confirmed.

[0028] The aforementioned numerical values ​​A to O are displayed in a horizontal direction within the display area of ​​the display screen. In the next predetermined period (the following month), the net asset value, distribution, principal, number of units held, and market value are similarly set or calculated and displayed in a horizontal direction within the display area of ​​the display screen, which is shifted downwards in a direction perpendicular to the aforementioned horizontal direction.

[0029] Figure 3 shows an embodiment in which the net asset value, which was set to a constant value in Figure 1, is set to decrease by 100 yen per year. The net asset value for each predetermined period of one month is calculated and set in column A. By comparing the cumulative investment principal after 10 years (column K) with "market value + cumulative dividends received" (column O), it can be easily confirmed that even if the net asset value of the purchased investment trust declines, the investor still holds an investment trust with a market value exceeding the investment amount.

[0030] Figure 4 shows an embodiment in which, instead of investing 1 million yen as a lump sum in the first month of the first year as in Figure 1, the principal is invested monthly at a rate of 20,000 yen from the first month of the first year until the tenth month of maturity. 20,000 yen is displayed in each row of column D, which represents "Principal (Accumulated)," and the cumulative value of column D up to the predetermined period corresponding to each row is displayed in column K, which represents the cumulative investment principal. In this embodiment as well, the return obtained on the invested funds can be confirmed by comparing columns K and O.

[0031] The present invention is not limited to the embodiments described above, and various additions, modifications, or deletions are possible without departing from the spirit of the invention. Therefore, such additions and deletions are also included within the scope of the present invention.

[0032] The computer that performs the operational simulation support method according to the present invention may be an information processing device including a central processing unit (CPU), main memory, auxiliary memory, input device, and output device. The system that performs the operational simulation support method may be a program stored in an auxiliary memory, which is a non-volatile memory device, and placed on the main memory at the time of execution.

[0033] The program may be a program that causes a computer to execute a series of steps in the calculation method and a series of steps in the display method according to the present invention. The information processing device may include a calculation means for performing calculations using the calculation method and a display means for displaying results using the display method. The information processing device may further include an input information holding means for holding the input information.

[0034] Furthermore, the system for executing the operational simulation support method according to the present invention may be, for example, a system that operates on a local computer and is displayed on a display screen directly connected to this local computer, or a system that operates on a computer on a network. Examples of such systems include, but are not limited to, cloud-based spreadsheets provided as SaaS (Software as a Service). Also, the spreadsheet system may be existing software, but is not limited to, and may be implemented as software that includes the calculation method and display method of the present invention.

Claims

1. A method for supporting investment trust management simulations that generate dividends by managing entrusted principal using a spreadsheet system running on a computer, (1) Set the net asset value per unit and the distribution amount per unit, (2) Set the principal amount to be invested, (3) Based on the net asset value per unit, the number of investment trust units that can be purchased with the principal to be invested is calculated as the number of units to be purchased. (4) The number of purchased units is added to the number of units held in the investment trust, (5) Distributions from the operation of the investment trust over a specified period, the payable distributions are calculated based on the distribution per unit and the number of units of the investment trust held. (6) Based on the net asset value per unit, the market value of the number of units held in the investment trust is calculated, (7) Based on the net asset value per unit in the next predetermined period following the aforementioned predetermined period, the number of investment trust units that can be purchased with the available distributions is calculated as the number of units to be reinvested, and the number of units obtained by adding the number of units to the cumulatively added number of units held is calculated as the number of units held in the next predetermined period. Calculation method and, The principal, the cumulative number of units held, the payable distribution, and the market value are displayed in a unidirectional manner within the display area of ​​the display screen. A display method that, based on the results of (1) to (7) above performed during the following predetermined period, displays the principal amount to be invested, the number of units held, the dividends that can be received, and the market value in a display area that is shifted in an orthogonal direction perpendicular to the aforementioned one direction, Equipped with, The principal to be invested in the above calculation method consists of principal to be invested as a lump sum and principal to be invested as a reserve fund. A method for supporting investment trust management simulations using a spreadsheet system, characterized in that it allows setting a flag to manage whether to receive the aforementioned payable distributions or to reinvest them in the purchase of investment trusts instead of receiving them.

2. An operational simulation support method according to claim 1, wherein the one direction in the display method is the horizontal direction of the display screen, and the orthogonal direction is the vertical direction of the display screen.

3. An investment simulation support method according to claim 1 or 2, wherein the net asset value per unit and the distribution amount in the calculation method can be changed for each predetermined period.

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