Method and system for providing ultra-personalized investment portfolio

Abstract

The method for providing an ultra-personalized investment portfolio according to the first aspect of the present invention comprises the steps of: calculating risk capacity on the basis of the customer's asset information; determining a glide path on the basis of the risk capacity; generating an investment portfolio on the basis of the glide path; calculating a risk tolerance, each time there is an input regarding the customer's investment propensity information, on the basis of the information; and adjusting the investment portfolio on the basis of the glide path and the risk tolerance.

Description

Method and system for providing a highly personalized investment portfolio

[0001] The present invention relates to a method and system for providing a hyper-personalized investment portfolio.

[0002] A target date fund (TDF) is a fund where the fund manager flexibly manages asset allocation to achieve the desired investment performance at the client's retirement age. This allows for global asset allocation and periodic portfolio rebalancing, tailored to the client's life cycle. As a result, assets are concentrated in growth stocks and high-yield bonds during the younger years, well before retirement. As retirement approaches, the proportion of safe assets, such as dividend stocks and government bonds, increases, ensuring a stable asset management environment. Specifically, when a client is in their 20s or 30s, their assets are managed toward high-yield investments like stocks. As the client approaches retirement in their 40s and beyond, the bond portion automatically increases.

[0003] To manage the aforementioned TDF funds, individual glide paths, or asset allocation adjustment plans, are created and utilized. These glide paths can be created in a variety of ways, depending on factors such as target returns, age, investment tendencies, and market variables.

[0004] The glide pass applied to the currently offered fund products may be created differently depending on the country or occupation, but there is a problem in that a single glide pass created is applied uniformly to all fund subscribers.

[0005] Furthermore, the fund products currently available to customers cannot address this issue unless they create a new investment portfolio from scratch, especially if they want to make different decisions regarding retirement portfolio management but are nearing retirement. Consequently, in the aforementioned scenarios, customers are typically forced to cancel their fund subscription and subscribe to a different one.

[0006] Furthermore, the fund products currently offered measure the results of asset management solely based on the single criterion of rate of return, leaving no standard for generating the cash flow needed in the future.

[0007] Moreover, the fund products currently available not only fail to inform customers of the expected cash flow issues, but also fail to provide solutions.

[0008] The problem that the present invention seeks to solve is to provide a method and system for providing a hyper-personalized investment portfolio to solve the problems of conventional fund products.

[0009] However, the problems to be solved by the present invention are not limited to those mentioned above, and other problems to be solved that are not mentioned can be clearly understood by a person having ordinary skill in the art to which the present invention pertains from the description below.

[0010] A method for providing a hyper-personalized investment portfolio according to a first aspect of the present invention includes a step of calculating a risk capacity based on the customer's asset information, a step of determining a glide path based on the risk capacity, a step of creating an investment portfolio based on the glide path, a step of calculating a risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input, and a step of adjusting the investment portfolio based on the glide path and the risk tolerance.

[0011] In the step of determining the above glide path, the stock allocation ratio of the glide path can be determined based on the above risk capacity.

[0012] In the step of adjusting the above investment portfolio, the types and ratios of risky assets and safe assets included in the investment portfolio can be determined based on the above risk tolerance.

[0013] The higher the risk tolerance, the higher the proportion of risky assets included in the investment portfolio.

[0014] The above investment propensity information may be determined based on the customer's responses to predetermined investment-related questions about the customer.

[0015] The above investment propensity information may be updated each time the customer responds to the investment-related questions. In the investment portfolio adjustment step, the investment portfolio may be adjusted based on a risk tolerance level recalculated based on the newly determined investment propensity information.

[0016] The customer's asset information may include at least one of the customer's gender, age, income, financial asset information, pension-related information, residence, reference date, expected expenditures after the reference date, initial funds, savings plan, cash withdrawal plan after the reference date, and life satisfaction.

[0017] The above risk capacity can be recalculated as the customer's asset information is updated. At this time, in the step of determining the glide path, the glide path can be recalculated based on the recalculated risk capacity. Furthermore, in the step of adjusting the investment portfolio, the investment portfolio can be adjusted based on the recalculated glide path and the risk tolerance.

[0018] A method for providing a hyper-personalized investment portfolio according to a first aspect of the present invention may further include a step of receiving input of the customer's initial funds, savings plan, and cash withdrawal plan after a reference date, and a step of performing a simulation of total assets that can be accumulated until the reference date based on the investment portfolio by reflecting the savings plan and the cash withdrawal plan.

[0019] In the step of performing the above simulation, if the investment portfolio is adjusted, the simulation can be performed again.

[0020] The method for providing a hyper-personalized investment portfolio according to the first aspect of the present invention may further include a step of providing the results of the simulation to the customer. In this step, at least one of the following may be provided: the customer's total assets changing by the reference date, the amount withdrawable for a predetermined period after the reference date, and the customer's total assets changing by the reference date for a predetermined period after the reference date.

[0021] In the step of providing to the customer, if the value obtained by subtracting the total expected expenditures after the reference date included in the customer's asset information previously entered from the total assets that can be accumulated up to the reference date is below a threshold value, information that can make the customer aware of the fact can be provided.

[0022] In the step of performing the simulation, if the value obtained by subtracting the total expected expenditure after the reference date included in the customer's asset information entered in advance from the total assets accumulable until the reference date is less than or equal to a threshold value, an alternative simulation may be performed by applying at least one of a first solution for changing the risk tolerance, a second solution for applying a portfolio of TDF products currently on the market, and a third solution for changing at least one of the initial funds, the savings plan, the cash withdrawal plan, the total expected expenditure after the reference date, and the reference date. In this case, in the step of providing to the customer, at least one of an alternative portfolio for at least one of the first solution, the second solution, and the third solution, an amount that can be withdrawn for a predetermined period after the reference date among the total assets accumulable until the reference date that change according to the result of the alternative simulation, and total assets that change for a predetermined period after the reference date may be provided to the customer.

[0023] A method for providing a hyper-personalized investment portfolio according to another embodiment of the first aspect of the present invention includes a step of calculating a risk capacity based on the customer's asset information, a step of determining a glide path based on the risk capacity, a step of calculating a risk tolerance based on the investment propensity information, and a step of creating an investment portfolio based on the glide path and the risk tolerance.

[0024] A system for providing a hyper-personalized investment portfolio according to a second aspect of the present invention includes a server capable of transmitting and receiving data with a customer, a memory capable of storing computer-executable instructions, and a processor for calculating risk capacity based on asset information of the customer by executing the instructions, a step of determining a glide path based on the risk capacity, a step of generating an investment portfolio based on the glide path, a step of calculating a risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input, and a step of adjusting the investment portfolio based on the glide path and the risk tolerance.

[0025] The processor may provide at least one of the generated investment portfolio and the adjusted investment portfolio to the customer through the server.

[0026] The processor may provide the customer with comparative data between at least one of the generated investment portfolio and the adjusted investment portfolio and a TDF product sold on the market through the server.

[0027] The processor may receive the customer's initial funds, savings plan, and cash withdrawal plan after a reference date, simulate total assets that can be accumulated until the reference date based on the investment portfolio by reflecting the savings plan and the cash withdrawal plan, and provide the customer with a result of the simulation that includes at least one of the customer's total assets that change until the reference date, an amount that can be withdrawn during a predetermined period after the reference date, and the customer's total assets that change during a predetermined period after the reference date through the server.

[0028] The above processor can re-perform the simulation when the above investment portfolio is adjusted.

[0029] The processor may perform an alternative simulation by applying at least one of a first solution for changing the risk tolerance, a second solution for applying a portfolio of TDF products sold on the market, and a third solution for changing at least one of the initial funds, the savings plan, the cash withdrawal plan, the total expected expenditure after the reference date, and the reference date, if the value obtained by subtracting the total expected expenditure after the reference date from the total assets that can be accumulated until the reference date is less than or equal to a threshold value, and may provide the customer with the result of the alternative simulation, the total assets that can be accumulated until the reference date that are changed, through the server, and may provide the customer with an alternative portfolio for at least one of the first solution, the second solution, and the third solution based on the result of the alternative simulation.

[0030] A computer-readable recording medium storing computer-executable instructions according to a third aspect of the present invention, wherein the computer-executable instructions, when executed by a processor, cause the processor to perform a method including the steps of calculating risk capacity based on asset information of the customer, determining a glide path based on the risk capacity, generating an investment portfolio based on the glide path, calculating a risk tolerance based on the investment propensity information whenever investment propensity information of the customer is input, and adjusting the investment portfolio based on the glide path and the risk tolerance.

[0031] A computer program stored in a computer-readable recording medium according to a fourth aspect of the present invention, wherein the computer program, when executed by a processor, includes instructions for causing the processor to perform a method including the steps of calculating risk capacity based on asset information of the customer, determining a glide path based on the risk capacity, generating an investment portfolio based on the glide path, calculating a risk tolerance based on the investment propensity information whenever investment propensity information of the customer is input, and adjusting the investment portfolio based on the glide path and the risk tolerance.

[0032] According to the present invention, a customer can have his / her own unique glide path, investment plan and savings plan.

[0033] Additionally, clients can predict the impact of their individual investments and their cash withdrawal scenarios after retirement.

[0034] The effects that can be obtained from the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by a person having ordinary skill in the art to which the present disclosure pertains from the description below.

[0035] FIG. 1 is a flowchart exemplarily showing a method for providing a hyper-personalized investment portfolio according to a first aspect of the present invention.

[0036] FIG. 2 is a block diagram exemplifying a system for providing a hyper-personalized investment portfolio according to a second aspect of the present invention.

[0037] Figure 3 is a block diagram exemplifying the functions of a program providing a highly personalized investment portfolio.

[0038] Figures 4 to 7 are flowcharts exemplarily showing a method for providing a hyper-personalized investment portfolio according to one embodiment of the first aspect of the present invention.

[0039] Figure 8 is a graph showing an example of a glide path according to risk capacity.

[0040] Figures 9 and 10 are graphs showing investment portfolio returns according to risk tolerance and risk capacity.

[0041] FIG. 11 is an exemplary diagram comparing a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention with assets included in a TDF on the market.

[0042] Figure 12 is a graph showing an example of comparing the stock allocation ratio of a TDF on the market with a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0043] FIG. 13 is an exemplary diagram showing a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention, which recommends a market-available TDF with the most similar stock allocation ratio.

[0044] Figure 14 is a graph exemplarily showing simulation results including changes in a customer's total assets up to a reference date and changes in a customer's total assets over a given period of time due to costs after the reference date.

[0045] Figures 15 to 19 are exemplary diagrams showing a glide path and investment portfolio calculated according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0046] FIG. 20 is an exemplary diagram showing how assets accumulated based on the retirement date are provided along with tax information according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0047] FIG. 21 is an exemplary diagram showing expected cash flow by period after retirement according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0048] The advantages and features of the present invention, and the methods for achieving them, will become clearer with reference to the embodiments described in detail below together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various different forms. These embodiments are provided solely to ensure that the disclosure of the present invention is complete and to fully inform those skilled in the art of the scope of the invention, and the present invention is defined solely by the scope of the claims.

[0049] When describing embodiments of the present invention, detailed descriptions of known functions or configurations will be omitted if they are deemed to unnecessarily obscure the gist of the invention. Furthermore, the terms described below are defined in light of their functions in the embodiments of the present invention and may vary depending on the intent or custom of the user or operator. Therefore, their definitions should be based on the overall content of this specification.

[0050] The terms used in this specification will be briefly explained, and the present invention will be described in detail.

[0051] The terms used in this specification have been selected from widely used, current terms, taking into account the functions of the present invention. However, these terms may vary depending on the intentions of those skilled in the art, precedents, the emergence of new technologies, etc. Furthermore, in certain cases, terms may be arbitrarily selected by the applicant, in which case their meanings will be described in detail in the relevant description of the invention. Therefore, the terms used in this invention should not be defined simply as names, but rather based on their inherent meanings and the overall content of the present invention.

[0052] When a part of a specification is said to 'include' a component, this does not mean that it excludes other components, but rather that it may include other components, unless otherwise stated.

[0053] Also, the term 'part' used in the specification means a software or hardware component such as an FPGA or ASIC, and the 'part' performs certain functions. However, the 'part' is not limited to software or hardware. The 'part' may be configured to reside on an addressable storage medium or may be configured to play one or more processors. Thus, as an example, the 'part' includes components such as software components, object-oriented software components, class components, and task components, as well as processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functionality provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or further separated into additional components and 'parts'.

[0054] Below, with reference to the attached drawings, an embodiment of the present invention is described in detail so that a person having ordinary skill in the art to which the present invention pertains can easily practice it.

[0055] FIG. 1 is a flowchart exemplarily showing a method for providing a hyper-personalized investment portfolio according to a first aspect of the present invention.

[0056] Hereinafter, the method for providing a hyper-personalized investment portfolio will be described, assuming it is performed by a hyper-personalized investment portfolio providing device. Furthermore, while this specification uses various examples, figures, and graphs for ease of understanding, the scope of protection of the present invention is not limited to these examples.

[0057] As shown in FIG. 1, a method for providing a hyper-personalized investment portfolio according to a first aspect of the present invention includes a step of calculating risk capacity based on a customer's asset information (S100), a step of determining a glide path based on the risk capacity (S110), a step of creating an investment portfolio based on the glide path (S120), a step of calculating a risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input (S130), and a step of adjusting the investment portfolio based on the glide path and the risk tolerance (S140).

[0058] Risk capacity may be determined based on asset information entered by the customer.

[0059] For example, risk capacity can be determined based on customers' responses to questions such as:

[0060] Question 1 Information about yourself - gender, date of birth 2 Information about your spouse - gender, date of birth 3 Current household income 4 National pension information for yourself and your spouse 5 Household financial asset information - Current financial assets including retirement pension, cash assets, and investment assets Monthly savings plan to increase 6 Share household's personal pension assets and other pension assets 7 Share residence information 8 Information about post-retirement expenses - housing, medical expenses, and other expenses 9 Information about overall satisfaction with life, including health and relationships with family

[0061] Risk capacity can be quantified and calculated as a risk capacity score based on customer responses according to Table 1 as follows:

[0062] Risk Capacity Score 013710 Age 50-65 40-50 30-40 18-30 Future Cost Coverage Based on Current Status Less than 50% 60% 80% 90% 100% Current Income 2 million won 2-4 million won 4-6 million won 6-10 million won More than 10 million won Housing Status Monthly Rent / Jeonse Loan Amount 50% or more Loan Amount 50% or less Loan Amount 0% Life Satisfaction 013710

[0063] Based on the information entered by the customer for each question in Table 1, each risk capacity can be quantified and calculated using the method shown in Table 2. Each risk capacity can be combined into a single risk capacity. The glide path can be determined based on the combined risk capacity.

[0064] A glide path can be a schedule for adjusting the ratio of stocks and bonds in an investment portfolio over time.

[0065] Glide paths can be determined based on risk capacity. A detailed explanation of glide paths based on risk capacity is provided in Figure 8.

[0066] Once an investment portfolio is created based on the glide path, the savings plan and cash withdrawal plan entered by the customer are reflected based on the initial funds, savings plan, and cash withdrawal plan after the reference date, and a simulation can be performed on the total assets that can be accumulated based on the investment portfolio up to the reference date.

[0067] Here, the reference date may refer to, but is not limited to, the customer's retirement date. For example, the reference date may refer to any point in time determined by the customer.

[0068] Once the simulation is performed, the customer can receive diagnostic data regarding the amount of savings available for each period, the amount of withdrawals available for each period, and any shortfalls, based on the reference date. In other words, based on the asset information entered to determine risk capacity, the customer can receive information on the current state of their accumulative assets. In this case, the simulation can be performed based on the expected annual returns from the simulation start date to the reference date.

[0069] Additionally, to determine risk capacity, the customer may be provided with an expected cost expenditure after the reference date included in the customer's asset information entered, with the cost increase / decrease rate data based on statistics applied.

[0070] Additionally, a comparison of the expected asset accumulation status and the expected expenditures can be provided to the customer. Specifically, based on the customer's responses to the questions, the current asset status, the expected asset accumulation based on the current asset status, and the expected expenditures can be provided to the customer. If the expected asset accumulation does not cover the expected expenditures, this information can be provided to the customer.

[0071] In order to obtain information about the customer's investment tendencies, additional questions may be asked of the customer in addition to the customer's previously entered asset information.

[0072] Additionally, based on the customer's answers to additional questions, the customer's investment propensity information can be determined and risk tolerance can be calculated based on this.

[0073] Risk tolerance may represent a client's investment propensity or risk appetite.

[0074] To construct a highly personalized TDF based on an individual's unique glide path, the types and proportions of risky and safe assets included in the investment portfolio can be determined based on risk tolerance.

[0075] For example, risk tolerance could be determined based on a customer's responses to additional questions such as:

[0076] Risk tolerance score 013710 No investment experience Just starting More than 5 years Experience equivalent to a professional Thoughts about loss I am always worried Not always, but I worry a lot Although I worry about losses, I think about the possibility of making profits and can bear it Overall, I am more excited about profits than about losses I am rarely worried about losses because of the expectation of profits Strategy for dealing with losses Sell everything Sell a little Do nothing Buy more Feelings about the word risk Loss Uncertainty Opportunity Excited My thoughts about risk appetite Very low Low Average Above average High

[0077] Based on a risk tolerance score determined based on a client's responses to additional questions, as shown in Table 3, the types of assets to include in an investment portfolio and their allocation can be determined. For example, if a client has a low risk tolerance, growth stocks or high-yield bonds may be excluded or allocated to them at a lower ratio. Conversely, if a client has a high risk tolerance, the allocation to growth stocks or high-yield bonds may be relatively higher.

[0078] Based on risk capacity and risk tolerance, an appropriate glide path and upper limit on the types of assets and allocation ratio that make up an investment portfolio can be determined for each individual.

[0079] A system that provides a highly personalized investment portfolio can ask customers to enter their savings and cash withdrawal plans.

[0080] Accordingly, the generated investment portfolio and the customer's savings plan and cash withdrawal plan can be used as input values ​​for the simulation.

[0081] The amount of assets that can be accumulated can be provided to the customer through simulation using a hyper-personalized investment portfolio formed based on the glide path determined based on the customer's previously entered asset information and the risk tolerance calculated through additional questions.

[0082] At this time, the customer may choose to select a TDF available on the market, and the extent of assets that can be accumulated through the selected TDF may be provided to the customer through simulation.

[0083] A system that provides a highly personalized investment portfolio can ask customers to enter information about their initial funds. The entered funds can then be used as the initial value for the algorithm to calculate the portfolio.

[0084] With respect to the initial funds of the customer entered, it can be decided whether to create an investment plan without initial funds or to create an investment plan using a portion of the initial funds.

[0085] The amount to be saved regularly each month can be determined using information related to the previously entered savings plan. This amount can be calculated as a continuous investment in the simulation.

[0086] Based on the expected expenditures entered, the cash required after the reference date and the expected accumulation of assets based on the investment options selected through the information entered by the customer, and whether the required expenditures when withdrawn in cash are covered can be provided to the customer using graphs, etc.

[0087] The figures and examples included in Tables 1 to 3 and the descriptions related to Tables 1 to 3 are for convenience of understanding and are not limited thereto.

[0088] FIG. 2 is a block diagram exemplifying a system for providing a hyper-personalized investment portfolio according to a second aspect of the present invention.

[0089] As shown in FIG. 2, the hyper-personalized investment portfolio provision system (200) may include a hyper-personalized investment portfolio provision device (210), a server (220), and a customer device (230).

[0090] The device (210) providing a highly personalized investment portfolio and the customer device (230) can transmit and receive information through the server (220).

[0091] A customer device (230) may refer to a mobile phone, smartphone, tablet, laptop, or desktop PC used by a customer.

[0092] A customer can access the website through a customer device (230) and receive information provided from a device (210) providing a personalized investment portfolio.

[0093] The customer may also receive information provided from the hyper-personalized investment portfolio provision device (210) through a program or application installed on the customer device (230).

[0094] A device (210) for providing a highly personalized investment portfolio may include an input unit (211), an output unit (212), a processor (213), a memory (214), and a communication unit (216).

[0095] Hereinafter, for the convenience of explanation, an example of a hyper-personalized investment portfolio provision device (210) including an input unit (211), an output unit (212), a processor (213), a memory (214), and a communication unit (216) is described, but the present invention is not limited thereto. That is, each unit configuration may be provided outside the hyper-personalized investment portfolio provision device (210) and may operate in a manner that interacts with the hyper-personalized investment portfolio provision device (210).

[0096] The input unit (211) may include a user interface for receiving commands, information, etc. used to control the hyper-personalized investment portfolio providing device (210). In addition, the input unit (211) may be a hardware device (e.g., a keyboard, a touch pad, a mouse input, etc.) that can directly receive commands, information, etc. used to control the hyper-personalized investment portfolio providing device (210).

[0097] In one embodiment, the input unit (211) may receive user input for information necessary for providing a hyper-personalized investment portfolio. Specifically, the user may input information, including the customer's responses to questions regarding their asset information, which serve as the basis for calculating their risk capacity or risk tolerance, their initial funds, savings plan, cash withdrawal plan after the reference date, information on stocks, bonds, and TDF products currently on the market, and statistics necessary for simulation.

[0098] The output unit (212) can provide information including questions related to the customer's asset information, which are the basis for calculating risk capacity or risk tolerance, the customer's response thereto, the customer's initial funds, savings plan, cash withdrawal plan after the reference date, information related to stocks, bonds, and TDF products sold on the market, data such as statistics required for simulation, the customer's risk capacity, risk tolerance, glide path, portfolio, simulation results, and alternative solutions to the user as visual information through an interface or display device.

[0099] The processor (213) can control the overall operation of the ultra-personalized investment portfolio provision device (210) to perform the present invention.

[0100] The processor (213) can load the hyper-personalized investment portfolio provision program (215) and information necessary for executing the hyper-personalized investment portfolio provision program (215) from the memory (214) to execute the hyper-personalized investment portfolio provision program (215).

[0101] The processor (213) can control to store data received from an external device through the communication unit (216) in the memory (214). In addition, the processor (213) can control to transmit to the external device through the communication unit (216) information including questions related to the customer's asset information, which are the basis for calculating risk capacity or risk tolerance, the customer's response thereto, the customer's initial funds, savings plan, cash withdrawal plan after the reference date, information related to stocks, bonds, and TDF products sold on the market, data such as statistics required for simulation, the customer's risk capacity, risk tolerance, glide path, portfolio, simulation results, and alternative solutions.

[0102] The processor (213) may refer to a processing device such as a microprocessor, a central processing unit (CPU), a graphic processing unit (GPU), a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), or a micro controller unit (MCU), but is not limited to the above-described embodiment.

[0103] The memory (214) can store a hyper-personalized investment portfolio provision program (215) and information necessary for executing the hyper-personalized investment portfolio provision program (215). The memory (214) can also store processing results by the processor (213).

[0104] The hyper-personalized investment portfolio provision program (215) may mean software including commands programmed to perform the method according to the present invention.

[0105] The memory (214) may store information including questions related to the customer's asset information, which serve as the basis for calculating risk capacity or risk tolerance, the customer's responses thereto, the customer's initial funds, savings plan, cash withdrawal plan after the reference date, information related to stocks, bonds, and TDF products on the market, statistics required for simulation, and other data, as well as the customer's risk capacity, risk tolerance, glide path, portfolio, simulation results, and alternative solutions. Furthermore, the memory (214) may store information received from an external device via the communication unit (216).

[0106] Memory (214) may refer to a computer-readable recording medium, such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, an optical media such as a CD-ROM or a DVD, a magneto-optical media such as a floptical disk, a random access memory such as a dynamic random access memory (DRAM) or a static random access memory (SRAM), and a hardware device specifically configured to store and execute program instructions such as a flash memory, but is not limited to the above-described embodiment.

[0107] The communication unit (216) may be a wireless communication module capable of performing wireless communication by adopting a communication method such as CDMA, GSM, W-CDMA, TD-SCDMA, WiBro, LTE, EPC, 5G, wireless LAN, Wi-Fi, Bluetooth, Zigbee, WFD (wi-fi direct), UWB (ultra wide band), infrared communication (IrDA; infrared data association), BLE (bluetooth low energy), or NFC (near field communication), but is not limited to the above-described embodiment.

[0108] In addition, information input and output through the input unit (211) and output unit (212), information stored in the memory (214), and information transmitted and received through the communication unit (216) include all information related to the present invention, and are not limited to the above-described embodiment.

[0109] The functions or operations of the highly personalized investment portfolio provision program (215) will be examined in detail through Fig. 3.

[0110] Figure 3 is a block diagram exemplifying the functions of a program providing a highly personalized investment portfolio.

[0111] As shown in FIG. 3, the hyper-personalized investment portfolio provision program (215) may include a user information input unit (300), a risk capacity calculation unit (310), a glide path determination unit (320), an investment portfolio creation unit (330), a risk tolerance calculation unit (340), a simulation execution unit (350), an investment portfolio adjustment unit (360), and a simulation result provision unit (370). The user information input unit (300), the risk capacity calculation unit (310), the glide path determination unit (320), the investment portfolio creation unit (330), the risk tolerance calculation unit (340), the simulation execution unit (350), the investment portfolio adjustment unit (360), and the simulation result provision unit (370) are exemplary divisions of the functions of the hyper-personalized investment portfolio provision program (215), and are not limited thereto.

[0112] According to an embodiment, the functions of the user information input unit (300), risk capacity calculation unit (310), glide path determination unit (320), investment portfolio creation unit (330), risk tolerance calculation unit (340), simulation execution unit (350), investment portfolio adjustment unit (360), and simulation result provision unit (370) can be merged / separated and implemented as a series of commands included in at least one program.

[0113] The user information input unit (300), risk capacity calculation unit (310), glide path determination unit (320), investment portfolio generation unit (330), risk tolerance calculation unit (340), simulation execution unit (350), investment portfolio adjustment unit (360), and simulation result provision unit (370) may be implemented by a processor (213), and may mean a data processing device built into hardware having a physically structured circuit to perform functions expressed by codes or commands included in a hyper-personalized investment portfolio provision program (215) stored in a memory (214).

[0114] The user information input unit (300) can receive a customer's response to a predetermined question. That is, the user information input unit (300) can receive a customer's asset information for calculating risk capacity.

[0115] Here, the customer's asset information may include at least one of the customer's gender, age, income, financial asset information, pension-related information, residence, reference date, expected expenditure after the reference date, initial funds, savings plan, cash withdrawal plan after the reference date, and life satisfaction.

[0116] The user information input unit (300) may also receive customer responses to predetermined investment-related questions. In other words, the user information input unit (300) may receive investment propensity information for calculating risk tolerance.

[0117] The user information input section (300) can receive input of the customer's initial funds, savings plan, and cash withdrawal plan after the reference date.

[0118] The user information input section (300) can receive information related to the customer's selection in relation to portfolio adjustment.

[0119] The risk capacity calculation unit (310) can calculate risk capacity based on the customer's asset information that has been previously entered.

[0120] Risk capacity can be recalculated as customer asset information is updated.

[0121] The glide path decision unit (320) can decide the glide path based on risk capacity.

[0122] The glide path decision unit (320) can determine the stock distribution ratio of the glide path based on risk capacity.

[0123] The glide path decision unit (320) can re-determine the glide path based on the re-calculated risk capacity.

[0124] The investment portfolio creation unit (330) can create an investment portfolio based on a glide path.

[0125] The investment portfolio creation unit (330) can also create an investment portfolio based on the glide path and investment tendency information if the customer's investment tendency information has already been entered.

[0126] The investment portfolio creation unit (330) can determine the types and ratios of risky assets and safe assets included in the investment portfolio based on the risk tolerance.

[0127] The risk tolerance calculation unit (340) can calculate the risk tolerance based on the investment tendency information whenever the customer's investment tendency information is input.

[0128] Here, investment propensity information may be determined based on the customer's responses to predefined investment-related questions. Furthermore, investment propensity information may be updated each time the customer responds to an investment-related question.

[0129] The investment portfolio creation unit (330) can create a portfolio so that the proportion of risky assets included in the investment portfolio increases as the risk tolerance level increases.

[0130] The simulation execution unit (350) can simulate the total assets that can be accumulated up to the reference date based on the investment portfolio, reflecting the customer's savings plan and cash withdrawal plan.

[0131] The simulation execution unit (350) can perform the simulation again when the investment portfolio is adjusted.

[0132] The investment portfolio adjustment unit (360) can adjust the investment portfolio based on the glide path and risk tolerance.

[0133] The investment portfolio adjustment unit (360) can adjust the portfolio so that the proportion of risky assets included in the investment portfolio increases as the recalculated risk tolerance level increases.

[0134] The investment portfolio adjustment department (360) can adjust the investment portfolio based on the risk tolerance level calculated again based on newly determined investment propensity information whenever there is a customer response to an investment-related question.

[0135] The investment portfolio adjustment department (360) can adjust the investment portfolio based on the re-determined glide path and risk tolerance as the customer's asset information is updated.

[0136] The simulation result provision unit (370) can provide the simulation results to the customer.

[0137] The simulation result provision unit (370) can provide at least one of the customer's total assets that change by the customer's reference date, the amount that can be withdrawn during a predetermined period after the reference date, and the customer's total assets that change during a predetermined period after the reference date.

[0138] The simulation result provision unit (370) can provide information that allows the customer to recognize the fact if the value obtained by subtracting the total expected expenditure cost after the reference date included in the customer's asset information entered from the total assets that can be accumulated until the reference date is below a threshold value.

[0139] The simulation execution unit (350) can perform an alternative simulation by applying at least one of the following solutions: a first solution that changes the risk tolerance, a second solution that applies a portfolio of TDF products sold on the market, and a third solution that changes at least one of the initial funds, savings plan, cash withdrawal plan, total expected expenditure after the reference date, and reference date, if the value obtained by subtracting the total expected expenditure after the reference date from the total assets that can be accumulated until the reference date is below a threshold value.

[0140] The simulation result provision unit (370) can provide the customer with at least one of an alternative portfolio for at least one of the first solution, the second solution, and the third solution, an amount that can be withdrawn for a predetermined period after the reference date among the total assets that can be accumulated up to the reference date that change according to the alternative simulation results, and a total asset that changes for a predetermined period after the reference date.

[0141] Figures 4 to 7 are flowcharts exemplarily showing a method for providing a hyper-personalized investment portfolio according to one embodiment of the first aspect of the present invention.

[0142] The present invention can use a fast calculation method and a comprehensive calculation method to measure the asset status of a customer.

[0143] The rapid calculation method involves inputting customer responses to predefined questions to calculate risk capacity. The required additional data is then used to perform a simulation using average statistical values, and the simulation results are then provided to the customer. This allows customers to receive simulation results without spending significant time.

[0144] A comprehensive calculation method is a method that uses accurate and comprehensive financial data such as My Data to make accurate calculations.

[0145] Future expense coverage can be calculated based on the user's pre-entered post-retirement expense information (e.g., housing, medical, and other expenses). In this case, the point in time after retirement for which the future expense coverage figure is calculated may vary depending on the calculation method. For example, a quick calculation method may use average statistics, while a comprehensive calculation method may use a point in time entered by the customer.

[0146] A quick calculation method can assess the current status through questions like those in Table 1, and then use simulations to predict the expected asset accumulation and whether it will be sufficient to cover expected expenses. The results can then be provided to the client. These results, as shown in Table 2, can serve as inputs for determining risk capacity.

[0147] Figure 4 shows the first step, which is the process of diagnosing the customer's income, savings, spouse, future cash withdrawals, etc.

[0148] First, an investigation can be conducted into the income and assets of the individual and their spouse. For example, the individual and spouse's current income and projected future income based on this can be calculated, as can the individual and spouse's current assets and savings plans, to calculate projected future assets.

[0149] Next, an investigation can be conducted into the public pension and retirement pension of the individual and their spouse. For example, analyzing the pension status of the individual and their spouse can supplement future cash flow estimates.

[0150] Next, expected expenditures and future cash flows can be compared or analyzed. For example, expected expenditures can be forecasted, and future expected expenditures and future potential cash flows can be compared and analyzed.

[0151] Figure 5 shows the second step, the process of forming a portfolio by a personalized TDF composition algorithm.

[0152] First, a customer profile can be created. For example, risk capacity can be derived from customer asset information and questions. Furthermore, risk tolerance can be derived through additional questions.

[0153] Next, a personalized TDF can be created based on investor profile. For example, a glide path can be determined based on risk tolerance and risk capacity. Furthermore, a realistically feasible portfolio can be created based on the personalized glide path.

[0154] Next, personalized TDFs can be compared and analyzed, and the results displayed. For example, personalized glide paths can be analyzed and compared with funds available on the market, and the results presented to customers.

[0155] Figure 6 shows the three-step process of establishing asset accumulation and withdrawal plans through a personalized TDF.

[0156] First, a savings plan can be established. For example, the initial capital value for the initial investment can be entered into a personalized TDF provided to the client. Information on the amount of funds to be consistently saved each month can be entered in Step 1.

[0157] Next, a withdrawal plan can be established. For example, cash flow can be provided to the client based on the withdrawal plan provided in Step 1.

[0158] Figure 7 shows the process of performing a simulation and proposing the results and alternatives in step 4.

[0159] First, simulations can be conducted. For example, simulations can be conducted and results produced on a personalized TDF portfolio provided to a customer and the customer's assets and cash withdrawal plan based on that portfolio. Furthermore, simulations can be conducted and results produced on savings plans, cash withdrawal plans, and portfolio strategies that are more effective than the simulation results.

[0160] Next, the simulation results can be displayed. For example, the customer's expected asset changes and cash withdrawal scenarios based on savings can be presented to the customer. Furthermore, if the simulation results suggest alternatives that could lead to better savings or cash withdrawal scenarios, these alternatives can be presented to the customer.

[0161] Steps 1 through 4 can be repeated, and risk capacity can be recalculated each time the status of asset accumulation and cash withdrawal is updated during the repetition process.

[0162] Figure 8 is a graph showing an example of a glide path according to risk capacity.

[0163] As shown in Figure 8, a high risk capacity may lead to a higher allocation of stocks in the same year, while a low risk capacity may lead to a higher allocation of bonds.

[0164] In Fig. 8, for convenience of explanation, the same shape of the graph is assumed for other customers with risk capacity of 3 to 5, but different shapes of glide paths may be formed for each customer.

[0165] Figures 9 and 10 are graphs showing investment portfolio returns according to risk tolerance and risk capacity.

[0166] The graphs in Figures 9 and 10 represent the return of a portfolio according to risk tolerance under a determined risk capacity, and the return of a portfolio according to risk capacity under a determined risk tolerance, when portfolio optimization is performed using mean-variance optimization.

[0167] Figure 9 shows the annual returns of portfolios constructed according to a fixed risk tolerance and seven different risk capacities.

[0168] Figure 10 shows the annual returns of portfolios constructed according to a fixed risk capacity and seven different risk tolerances.

[0169] Referring to Figures 9 and 10, it can be seen that as the risk tolerance or risk capacity increases, the portfolio is determined to be comprised of assets with high returns and high risks, and thus the returns increase.

[0170] FIG. 11 is an exemplary diagram comparing a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention with assets included in a TDF on the market.

[0171] For example, a hyper-personalized portfolio could include all stocks included in the S&P 500, representing large-cap U.S. stocks, or just a subset of them. Specifically, for bonds, the Bloomberg US Aggregate Index could be used, or just a subset of the bonds included within it. In addition to index-based ETFs, individual assets such as stocks and bonds can also be included in a hyper-personalized portfolio.

[0172] As shown in Figure 11, a hyper-personalized portfolio can include a combination of numerous individual assets within a single asset class. This combination of asset classes can be tailored to each client based on key criteria that vary from client to client.

[0173] For example, for a client with a risk tolerance of 3 and a risk capacity of 4, a 70% equity allocation might be provided, and an asset class comprised of U.S. large-cap stocks might be recommended. Another example: for a client with a risk tolerance of 7 and a risk capacity of 4, a 70% equity allocation might be provided, and an asset class comprised of emerging market or private equity funds might be recommended.

[0174] For clients with a high risk tolerance, a portfolio comprised of high-yield, high-risk assets, such as high-yield bonds, can be created. For clients with a low risk tolerance, the portfolio may not include high-yield, high-risk assets, such as high-yield bonds.

[0175] Assets can be selected using a specific portfolio creation algorithm, and a portfolio can be created using the selected assets.

[0176] TDFs on the market often limit the number and types of assets in their portfolios, citing the convenience of fund management. In contrast, as shown in Figure 11, the method for providing a hyper-personalized investment portfolio according to the present invention offers the advantage of increasing the number and types of assets.

[0177] Figure 12 is a graph showing an example of comparing the stock allocation ratio of a TDF on the market with a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0178] According to one embodiment of the present invention, a customer's glide path can be analyzed and compared with a commercially available TDF, and an explanation can be provided to the customer. The comparative analysis may include comparing the shape of the glide path and the asset composition.

[0179] For example, if a customer retires in 2035, the glide path determined according to the present invention can be compared with the glide path of a commercially available 2035 TDF and provided to the customer. Figure 12 is a graph comparing the average glide path stock allocation ratio of Korean TDFs with the stock allocation ratio of the glide path determined according to the present invention.

[0180] FIG. 13 is an exemplary diagram showing a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention, which recommends a market-available TDF with the most similar stock allocation ratio.

[0181] According to the present invention, not only are the results of the comparison provided to the customer by comparing them with the commercially available TDF of FIG. 12, but also product information (e.g., stock allocation ratio) suitable for the retirement year is provided to the customer, and as shown in FIG. 13, a product most similar to the stock allocation ratio of the glide path determined according to the present invention can be recommended to the customer.

[0182] Figure 14 is a graph exemplarily showing simulation results including changes in a customer's total assets up to a reference date and changes in a customer's total assets over a given period of time due to costs after the reference date.

[0183] Based on the generated investment portfolio and the customer's savings plan and cash withdrawal plan, a simulation is performed to determine the trend of asset accumulation each year before retirement and the trend of asset decrease according to the withdrawal plan after retirement.

[0184] The resulting simulation results can be provided to customers in the form of a graph, as shown in Figure 14. The graph in Figure 14 illustrates the process of accumulating assets and the extent to which accumulated assets are reduced as a result of withdrawals based on expected expenditures.

[0185] If the simulation results show that the customer's assets are not accumulating to the desired level or are depleting quickly when considering the expected expenditures, alternatives can be provided to the customer.

[0186] For example, if the value obtained by subtracting the total expected expenditure after the reference date included in the customer's asset information previously entered from the total assets that can be accumulated as of the reference date as a result of the simulation is below a threshold, an alternative simulation may be performed by applying at least one of a first solution that changes the risk tolerance, a second solution that applies a portfolio of TDF products available on the market, and a third solution that changes at least one of the initial funds, savings plan, cash withdrawal plan, total expected expenditure after the reference date, and reference date. In addition, at least one of an alternative portfolio for at least one of the first solution, the second solution, and the third solution, the total assets that can be accumulated as of the reference date that changes according to the result of the alternative simulation, the amount that can be withdrawn for a predetermined period after the reference date, and the total assets that change for a predetermined period after the reference date may be provided to the customer.

[0187] Here are some concrete examples:

[0188] Example 1) When asset accumulation has not been sufficient.

[0189] ① If the risk tolerance is low, the TDF may be adjusted to increase the risk tolerance and provided to the customer, or information on the extent of asset accumulation may be provided to the customer by using a similar TDF available on the market.

[0190] ② If the customer's monthly savings amount is too low compared to their current income, increasing the savings amount can provide the customer with information on how their accumulated assets will change. If the customer changes their savings plan, this can affect their risk tolerance. In this way, risk tolerance and risk capacity can be updated in a mutually reinforcing manner.

[0191] Example 2) When assets are depleted too quickly

[0192] ③ If the expected expenditure is too high compared to the statistically based average, the customer can be provided with a method to delay the depletion of the asset by reducing the expected expenditure.

[0193] During the cash withdrawal period after the base date, customers may be presented with methods for more efficient or safer fund management.

[0194] Example 1) If a customer has 2 billion won in retirement funds and wants to use it to generate a steady cash flow until 2030 in a stable manner, the following method can be suggested to the customer.

[0195] ① It may be suggested to select a personalized TDF created according to the present invention or a TDF sold on the market, and to purchase some U.S. bonds while maintaining a portion of the portfolio as a method of maintaining the selected TDF to some extent.

[0196] ② If you want to generate cash with 100% certainty, you can create a portfolio of U.S. Treasury bonds as shown in Table 4 or invest in a similar fund.

[0197] By holding U.S. Treasury bonds like those in Table 4 until 2030, customers can be provided with a method that generates a reliable cash flow of approximately 30 million won per year while recovering the principal with a nearly 100% probability.

[0198] Maturity Coupon Rate (%) Distribution 15-Nov-30.0884 billion 15-Aug-30.0634 billion 15-May-30.0633.5 billion 15-Feb-30.153 billion 28-Feb-30.42 billion 31-Jan-30.351.5 billion 31-Mar-30.3631 billion

[0199] ③ While 100% certainty isn't required, if you're looking to generate more cash flow, a portfolio of high-dividend U.S. stocks, as shown in Table 5, might be recommended. Furthermore, simulation results can inform clients that this strategy is likely to generate approximately 80 million won in cash flow per year.

[0200] Company Tickers: Allianz ALIZY 400 million, Altria MO 400 million, AT&TT 300 million, United Parcel Service UPS 700 million, Johnson & Johnson JNJ 200 million

[0201] Figures 15 to 19 are exemplary diagrams showing a glide path and investment portfolio calculated according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0202] Figure 15 illustrates the assets and hyper-personalized glide path of a client's portfolio with 30 years remaining until retirement and a medium risk capacity and risk tolerance.

[0203] Compared to Figure 15, Figures 16 and 17 exemplarily show the assets and hyper-personalized glide path included in the portfolio of a customer who has 10 years left until retirement and whose risk capacity is relatively low compared to the customer in Figure 15.

[0204] The fact that retirement is approaching can be interpreted as meaning that the benefits of savings or long-term investments cannot be fully utilized. Therefore, compared to the client in Figure 15, the client in Figures 16 and 17 may be assessed as having a lower risk tolerance. Accordingly, the algorithm can adjust the portfolio to generate a 15-year investment plan and provide it to the client.

[0205] Even if the retirement date remains the same, risk capacity can be measured differently based on a client's asset information. Accordingly, even if the retirement date remains the same, the client's risk tolerance and risk profile can lead to different glide paths.

[0206] Figures 18 and 19 illustrate the assets and hyper-personalized glide paths included in the portfolio of a client with a high risk capacity and risk tolerance but with only 15 years left until retirement.

[0207] According to Figures 18 and 19, even though the retirement date is only 15 years away, the distribution ratio of stocks included in the portfolio assets is formed higher than that of the customer in Figure 15, who has 30 years left until retirement.

[0208] FIG. 20 is an exemplary diagram showing how assets accumulated based on the retirement date are provided along with tax information according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0209] After assets have accumulated according to the method of providing a personalized investment portfolio of the present invention described above, a method for withdrawing cash based on the accumulated assets at retirement can be presented to the customer. A table illustrating the overall features of the proposed method, along with tax information, can be provided to the customer.

[0210] FIG. 21 is an exemplary diagram showing expected cash flow by period after retirement according to a method for providing a hyper-personalized investment portfolio according to one embodiment of the present invention.

[0211] When using the method for providing a hyper-personalized investment portfolio of the present invention described above, expected cash flows can be provided to customers in the form of graphs for each period.

[0212] As described above, according to the present invention, customers can have their own unique glide path, investment plan, and savings plan. Furthermore, customers can predict the impact of their individual investments and their cash withdrawal scenarios after retirement.

[0213] According to the present invention, unlike conventional TDFs, individuals can have their own TDFs. Compared to existing robo-advisor products, such as robo-advisors, which only provide static investment solutions for a single period at a point in time, the present invention can provide dynamic investment solutions for multiple periods, spanning decades.

[0214] Furthermore, conventional investment solutions have not taken into account cash flow, which is the most important factor for customers, and conventional robo-advisors have only provided solutions for asset accumulation, but the present invention can also provide solutions for asset withdrawal after asset accumulation.

[0215] The embodiments of the present invention described above may be implemented through various means. For example, the embodiments of the present invention may be implemented using hardware, firmware, software, or a combination thereof.

[0216] The combination of each block of the block diagram and each step of the flowchart attached to the present invention may be performed by computer program instructions. These computer program instructions may be installed in an encoding processor of a general-purpose computer, a special-purpose computer, or other programmable data processing equipment, so that the instructions executed by the encoding processor of the computer or other programmable data processing equipment create a means for performing the functions described in each block of the block diagram or each step of the flowchart. These computer program instructions may also be stored in a computer-available or computer-readable memory that can direct a computer or other programmable data processing equipment to implement the functions in a specific manner, so that the instructions stored in the computer-available or computer-readable memory can also produce an article of manufacture that includes an instruction means for performing the functions described in each block of the block diagram or each step of the flowchart. Since the computer program instructions can also be installed on a computer or other programmable data processing device, a series of operational steps are performed on the computer or other programmable data processing device to create a computer-executable process, and the instructions that cause the computer or other programmable data processing device to perform the steps for executing the functions described in each block of the block diagram and each step of the flowchart can also provide steps for executing the functions described in each block of the block diagram and each step of the flowchart.

[0217] Additionally, each block or step may represent a module, segment, or portion of code that includes one or more executable instructions for performing a specific logical function(s). In some embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, two blocks or steps depicted in succession may actually be performed substantially simultaneously, or the blocks or steps may sometimes be performed in reverse order depending on the corresponding function.

[0218] The above description is merely an illustrative illustration of the technical idea of ​​the present invention, and those skilled in the art will appreciate that various modifications and variations can be made without departing from the essential quality of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate, rather than limit, the technical idea of ​​the present invention, and the scope of the technical idea of ​​the present invention is not limited by these embodiments. The scope of protection of the present invention should be interpreted by the following claims, and all technical ideas within a scope equivalent thereto should be interpreted as being included in the scope of the rights of the present invention.

Claims

1. A method for providing a hyper-personalized investment portfolio, performed by a hyper-personalized investment portfolio providing system including a server and processor capable of transmitting and receiving data with a customer, A step of calculating risk capacity based on the customer's asset information; A step of determining a glide path based on the above risk capacity; A step of creating an investment portfolio based on the above glide path; A step of calculating risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input; and comprising a step of adjusting the investment portfolio based on the glide path and the risk tolerance; How to provide a hyper-personalized investment portfolio.

2. In paragraph 1, In the step of determining the above glide path, Determining the stock allocation ratio of the glide path based on the above risk capacity, How to provide a hyper-personalized investment portfolio.

3. In paragraph 1, At the stage of adjusting the above investment portfolio, Based on the above risk tolerance, determine the types and ratios of risky and safe assets included in the investment portfolio. How to provide a hyper-personalized investment portfolio.

4. In paragraph 3, The higher the risk tolerance, the higher the proportion of risky assets included in the investment portfolio. How to provide a hyper-personalized investment portfolio.

5. In paragraph 1, The above investment tendency information is: It is determined based on the customer's response to the above-mentioned investment-related questions. How to provide a hyper-personalized investment portfolio.

6. In paragraph 5, The above investment tendency information is: It is determined anew each time there is a response from the customer to the above investment-related question, At the stage of adjusting the above investment portfolio, Adjusting the investment portfolio based on the risk tolerance calculated again based on the newly determined investment tendency information. How to provide a hyper-personalized investment portfolio.

7. In paragraph 1, The above customer's asset information is: Including at least one of the customer's gender, age, income, financial asset information, pension-related information, residence, reference date, expected expenditure after the reference date, initial funds, savings plan, cash withdrawal plan after the reference date, and life satisfaction. How to provide a hyper-personalized investment portfolio.

8. In paragraph 7, The above risk capacity is, As the customer's asset information is updated, it is recalculated. In the step of determining the above glide path, Re-determine the glide path based on the risk capacity calculated above, At the stage of adjusting the above investment portfolio, Adjusting the investment portfolio based on the re-determined glide path and the risk tolerance. How to provide a hyper-personalized investment portfolio.

9. In paragraph 1, A step for receiving the customer's initial funds, savings plan and cash withdrawal plan after the reference date; and Further comprising a step of performing a simulation of total assets that can be accumulated up to the reference date based on the investment portfolio, reflecting the savings plan and the cash withdrawal plan. How to provide a hyper-personalized investment portfolio.

10. In paragraph 9, In the step of performing the above simulation, When the above investment portfolio is adjusted, the above simulation is performed again. How to provide a hyper-personalized investment portfolio.

11. In paragraph 10, Further comprising a step of providing the results of the above simulation to the customer, At the stage of providing to the above customer, Providing at least one of the total assets of the customer that change as of the reference date, the amount that can be withdrawn during a specified period after the reference date, and the total assets of the customer that change during a specified period after the reference date. How to provide a hyper-personalized investment portfolio.

12. In paragraph 11, At the stage of providing to the above customer, If the value obtained by subtracting the total expected expenditures after the reference date included in the customer's asset information entered above from the total assets that can be accumulated as of the reference date is below the threshold, information is provided to the customer so that the customer can be made aware of the fact. How to provide a hyper-personalized investment portfolio.

13. In paragraph 11, In the step of performing the above simulation, If the value obtained by subtracting the total expected expenditures after the reference date included in the customer's asset information entered above from the total assets that can be accumulated as of the reference date is below the threshold value, Perform an alternative simulation by applying at least one of the first solution that changes the above risk tolerance, the second solution that applies a portfolio of TDF products sold on the market, and the third solution that changes at least one of the above initial funds, the above savings plan, the above cash withdrawal plan, the total expected expenditure after the above reference date, and the above reference date. At the stage of providing to the above customer, Providing the customer with at least one of an alternative portfolio for at least one of the first solution, the second solution and the third solution, an amount that can be withdrawn during a predetermined period after the reference date among the total assets that can be accumulated until the reference date that change according to the results of the alternative simulation, and a total asset that changes during a predetermined period after the reference date. How to provide a hyper-personalized investment portfolio.

14. A server that can transmit and receive data with customers; A memory capable of storing computer-executable instructions; and By executing the above command, A processor comprising: a processor that calculates risk capacity based on the customer's asset information, determines a glide path based on the risk capacity, creates an investment portfolio based on the glide path, calculates risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input, and adjusts the investment portfolio based on the glide path and the risk tolerance. A system that provides highly personalized investment portfolios.

15. In paragraph 14, The above processor, Providing at least one of the above-mentioned generated investment portfolio and the above-mentioned adjusted investment portfolio to the customer through the server; A system that provides highly personalized investment portfolios.

16. In paragraph 15, The above processor, Providing the customer with comparative data between at least one of the generated investment portfolio and the adjusted investment portfolio and TDF products sold on the market through the server. A system that provides highly personalized investment portfolios.

17. In paragraph 14, The above processor, Inputting the customer's initial funds, savings plan, and cash withdrawal plan after the reference date, simulating the total assets that can be accumulated until the reference date based on the investment portfolio by reflecting the savings plan and the cash withdrawal plan, and providing the customer with the result of the simulation including at least one of the customer's total assets that change until the reference date, the amount that can be withdrawn during a predetermined period after the reference date, and the customer's total assets that change during a predetermined period after the reference date through the server. A system that provides highly personalized investment portfolios.

18. In paragraph 17, The above processor, When the above investment portfolio is adjusted, the above simulation is performed again. A system that provides highly personalized investment portfolios.

19. In paragraph 17, The above processor, If the value obtained by subtracting the total expected expenditure after the reference date included in the customer's asset information previously entered from the total assets that can be accumulated as of the reference date is less than or equal to a threshold value, an alternative simulation is performed by applying at least one of a first solution that changes the risk tolerance, a second solution that applies a portfolio of TDF products sold on the market, and a third solution that changes at least one of the initial funds, the savings plan, the cash withdrawal plan, the total expected expenditure after the reference date, and the reference date, and the result of the alternative simulation, the total assets that can be accumulated as of the reference date that is changed, is provided to the customer through the server, and based on the result of the alternative simulation, an alternative portfolio for at least one of the first solution, the second solution, and the third solution is provided to the customer through the server. A system that provides highly personalized investment portfolios.

20. A non-transitory computer-readable recording medium storing computer-executable instructions, wherein the computer-executable instructions, when executed by a processor, A step of calculating risk capacity based on the customer's asset information; A step of determining a glide path based on the above risk capacity; A step of creating an investment portfolio based on the above glide path; A step of calculating risk tolerance based on the investment propensity information whenever the customer's investment propensity information is input; and causing the processor to perform a method including adjusting the investment portfolio based on the glide path and the risk tolerance; Non-transitory computer-readable recording medium.

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