THEO[テオ] - プロとAIがいる、おまかせ資産運用

Money Design Co., Ltd.

About this app

■About the app

This app can also be used by THEO+ [Teo Plus] users.

*THEO+ docomo users should log in with their registered email address and password. You cannot log in with a d account on the app.

■About forced app updates
Depending on the device, Play Store updates may be delayed, so you may not be able to update.
In this case, please wait a while and try again, or "delete the Play Store cache and data" and try updating.
*Deleting the cache may solve the problem by starting the app without any extra data.
*If you cannot update even after deleting the cache, please wait a while and try again.

■What is THEO?
-------------
THEO's concept is "Leave your asset management to us, with professionals and AI." It is an investment management service by AI-equipped robo-advisors that supports the asset formation of all people who live their lives to the fullest every day. Based on information such as age and current financial assets, the robo-advisor will propose a portfolio consisting of up to 30 or more ETFs that suits each individual. Applications can be completed with just a smartphone, and the management fee is a low-cost 1.10% (tax included, annual rate), making this a new form of asset management.

■THEO's Features
-------------
・Automatic asset management tailored to each individual
The investment objectives of the customer are estimated from the answers to questions, and an asset management policy tailored to each individual is set. THEO automatically manages assets according to the objectives.

・Portfolio made up of up to 30 or more ETFs
THEO's portfolio is made up of up to 30 or more ETFs (Exchange Traded Funds). Breaking it down further, the investment destinations are 86 countries and regions around the world, and the final investment targets are more than 11,000 stocks, and risk is reduced by thorough diversification.

・Three functional portfolios with different characteristics that can be combined according to investment objectives

The three portfolios are combined and managed according to objectives: the "growth portfolio" that aims for long-term high returns, the "income portfolio" that aims for relatively stable and steady returns, and the "inflation hedge portfolio" that aims to reduce risk by avoiding correlation with stocks.

・Smart beta management that aims to efficiently improve returns and reduce risks

We use smart beta management that aims to efficiently improve returns and reduce risks by appropriately combining risks arising from other factors (smart beta) in addition to returns from taking risks in the entire market.

■How to get started with THEO
-------------
1. First, set your asset management policy with a portfolio diagnosis
2. Easy new application on your smartphone
3. Open a securities account
*You will need to open a securities account in your name at a financial institution affiliated with Money Design.
4. All you have to do is deposit your money and start managing it.

■Recommended for
-------------
・I want to start investing for the future, but I don't know what to do because I don't know anything about investing.
・I'm saving money in a fixed deposit, but the interest rate is low, so I want to invest more efficiently.
・I want to invest a fixed amount every month like a savings account.
・I have investment experience, but I don't want to spend time gathering information and buying and selling.
・I want to diversify my investments internationally so that I can respond to market changes.

■THEO's thoughts
-------------
When Van Gogh was alive, his brother Theo supported him financially, even though he couldn't sell his paintings.
Theo supported his way of life through "money."

Can't we also become "Theo" for everyone by making full use of technology?
With that thought in mind,
we named this service "THEO."

□ Operating company
-------------
Money Design Co., Ltd.
https://www.money-design.com/
Kanto Regional Financial Bureau (Financial Instruments and Exchange Commission) No. 2796
Member associations: Japan Investment Advisers Association, Investment Trust Association

□ Recommended environment
-------------
・ Android 9.0 or later

□ Security
-------------
Your personal information is encrypted and strictly managed and handled.

□ Notes
----------------
When using the service, please check the terms of use and the risks associated with trading financial products, etc.
https://theo.blue/policy/

□ Contact information
-------------
Contact information is accepted via the website
https://theo.blue/contact

□ Fees and risks associated with the discretionary investment management service THEO
-------------
The discretionary investment management service THEO (hereinafter "THEO") is provided under a discretionary investment contract with our company. Customers will open a securities account in their name at a financial institution affiliated with Money Design.
The discretionary investment management fee for the discretionary investment contract is a maximum of 1.10% (tax included, annual rate) multiplied by the yen-denominated current market balance of the managed assets. We will cover the costs of the buying and selling fees of the incorporated ETFs, as well as the exchange fees and foreign exchange fees. Please contact each company regarding the management fees for the securities account (an account in your name at a financial institution affiliated with Money Design) used for the management of THEO.
THEO mainly incorporates foreign exchange-traded funds (ETFs). In addition to the price fluctuation risk and credit risk of the incorporated ETFs, there is exchange risk and risk related to the financial institution handling the transaction. Losses may be incurred due to a decline in the market price of the incorporated ETFs, exchange rate fluctuations, etc., and the investment principal may fall below the investment principal. Therefore, the investment principal is not guaranteed.
When entering into a contract, please carefully read the pre-contract documents and contract terms and conditions.

What’s new

・軽微な修正を行いました。