Adaptive Portfolio Questioning for Accurate Asset Allocation
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Solution Overview
Problem
Existing asset management systems face challenges in determining optimal portfolios due to mismatched questioning methods across different life stages and investment preferences, leading to inadequate or burdensome questionnaires that fail to accurately reflect individual needs.
Innovation Solution
An information processing apparatus and method that selects and presents tailored questions based on previous answers to optimize portfolio determination, using a question selection unit and presentation control unit to minimize the number of questions while ensuring accurate portfolio presentation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If many questions are presented to determine a portfolio, then the accuracy of portfolio determination is improved, but the burden on the subject increases
Solution Approach 1:
The question group is segmented into multiple categories (e.g., investment experience, risk tolerance, time horizon, financial goals). The system selects questions from different segments based on the subject's characteristics and answers to previous questions, rather than presenting all questions. This segmentation allows the system to achieve accurate portfolio determination through a subset of relevant questions, reducing the burden on the subject while maintaining measurement precision.
2Device complexity
If the same question group is presented to all subjects, then the system complexity is reduced, but the adaptability to individual subjects deteriorates
Solution Approach 1:
The question selection process is made dynamic rather than static. The system adapts the question group based on the subject's characteristics (age, investment experience, financial status) and their answers to previous questions. The question group changes dynamically to match the subject's needs, improving adaptability while the underlying system structure remains manageable through automated selection algorithms.
Solution Approach 2:
Different question sets are prepared for different subject types or stages. For example, younger subjects may receive questions about long-term goals and risk tolerance, while older subjects receive questions about retirement planning and capital preservation. This local quality approach tailors the question content to specific subject characteristics, improving adaptability without requiring a completely different system for each subject type.
3Quantity of substance
If questions unrelated to the subject's life stage are presented, then the question group coverage is improved, but the usefulness of answers deteriorates
Solution Approach 1:
The system performs preliminary filtering of the question group based on the subject's characteristics before presenting questions. By pre-assessing the subject's life stage, investment experience, and financial situation, the system eliminates questions that would be irrelevant (e.g., retirement planning questions for young subjects, or long-term investment questions for elderly subjects). This preliminary action ensures that all presented questions are potentially useful, maintaining information quality while achieving comprehensive coverage through targeted selection.
Data Source
AI summary
An object of the present disclosure is to improve a technique of presenting a portfolio of asset management according to a subject. An information processing apparatus includes a question selection unit that selects a question to be presented next from among unpresented questions included in a question group based on an answer to a question selected from the question group for determining a portfolio of asset management and presented to a subject, and a presentation control unit that presents, to the subject, a portfolio according to an answer of the subject to each of the selected and presented questions. According to this information processing apparatus, it is possible to support the decision making of the subject for asset management.