Portfolio Generation Device for Multi-Objective Investment Planning
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Solution Overview
Problem
Current investment management systems fail to provide personalized portfolio suggestions tailored to specific objectives or goals for individual investors, struggling to incorporate multiple target amounts and management periods into a single plan and compare different portfolios effectively.
Innovation Solution
An objective achievement portfolio generating device that allows customers to input specific objectives and respond to interview questions, generating visually recognizable portfolio information for investment management tailored to their goals, enabling the creation of multiple portfolios for the same objective and facilitating comparison.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a robo-advisor system automatically performs assistance for investment or management of portfolios using predetermined rules, then the ease of operation is improved, but the ability to provide personalized portfolio suggestions tailored to specific objectives is worsened
Solution Approach 1:
The system performs preliminary actions by having customers respond to interview questions about their specific objectives, goals, and financial situations before generating portfolio recommendations. This preliminary data collection enables the system to personalize portfolio suggestions while maintaining automated operation, resolving the contradiction between ease of operation and adaptability to specific objectives
Solution Approach 2:
The system changes parameters by incorporating multiple objective information with different target amounts and management periods into the portfolio generation process. By adjusting these parameters based on customer-specific goals rather than using fixed predetermined rules, the system achieves both automated operation and personalized recommendations tailored to specific objectives
2Adaptability or versatility
If multiple objective information with different target amounts and management periods are incorporated into a single investment management plan, then the adaptability is improved, but the device complexity is worsened
Solution Approach 1:
The system segments the portfolio generation process into distinct functional modules: an interview section that collects customer-specific objective information, a portfolio generation section that processes this information, and a display section that presents results. This segmentation manages the complexity of handling multiple objectives with different parameters by dividing the system into specialized components, each handling specific aspects of the multi-objective portfolio generation
3Adaptability or versatility
If a system generates and displays multiple portfolios for comparison, then the adaptability is improved, but the ease of operation is worsened
Solution Approach 1:
The system uses visual display techniques to differentiate and present multiple portfolios for comparison, making the complex information accessible and easy to understand. By employing visual distinctions and clear presentation methods, the system maintains ease of operation while providing adaptability through portfolio comparison capabilities
Data Source
AI summary
An object of the present invention is to generate a single portfolio assuming a plurality of targets as a specific objective of investment management, and also to make it possible to easily generate a plurality of portfolios having the same objective followed by comparing and contrasting of the plurality of portfolios. To this end, an investment management assistance server 10 that generates, based on input information, portfolio information for suggesting investment management for objective achievement set by a customer includes: objective display means 13 that displays predetermined objective information selectable by a customer through an input operation; interview display means 14 for displaying predetermined interview information to which the customer is allowed to respond through an input operation; and portfolio generation/display means 15 for generating predetermined portfolio information based on the objective information and interview information which are selected and responded to through an input operation, and causing the customer terminal 30 to display the predetermined portfolio information in a visually recognized manner. The portfolio generation/display means 15 is configured to generate portfolio information for suggesting a single investment management corresponding to one or more pieces of objective information selected by the customer.