SUSTEN(サステン) 理想の投資を完全自動化

Susten Capital Management Inc.

About this app

Manage your assets with just your smartphone with SUSTEN. It's an automated investment management service (investment automation) that includes features not found in other asset management services, such as NISA optimization*.
No need to know much about investing or NISA. SUSTEN will automatically build a portfolio tailored to you.

[SUSTEN Features]
■Leave it all to us!
A simple assessment determines your personalized portfolio (asset allocation).
No need to worry about stock selection; you can diversify your investments globally while constantly incorporating ever-evolving investment theories.
Commission fees are among the lowest in the industry, ranging from 0.11% to 0.54% annually (tax included).*
*Includes actual costs incurred by investment targets. The upper limit may change in the future depending on the addition of new investment trust types.

■Fully compatible with the new NISA
Whether you make monthly installments or lump-sum deposits, SUSTEN automatically and optimally allocates your deposited funds between your "Tsumitate Investment Limit" and "Growth Investment Limit."* We'll maximize the tax-free allowances of the increasingly complex NISA on your behalf.
*This refers to our company's optimal use of the system.

■ Deposit and withdraw at any time, and invest automatically
SUSTEN allows you to deposit and withdraw at any time*. The automatic savings feature makes it even more convenient and allows you to steadily grow your funds.
*Withdrawals will be transferred to your designated financial institution account as soon as three business days after application.

[Recommended for]
・Beginners to asset management but wanting to start something to build their future wealth
・Don't know what their ideal portfolio is or can't rebalance
・Want to build a recession-resistant portfolio
・Use SUSTEN only for areas they can't do themselves, or want to use it like an institutional investor
・Looking for an investment service that can be used in conjunction with iDeCo
・Want to start investing with the new NISA, but not sure what to do specifically
・Want to maximize the tax-free benefits wisely

[How to Get Started with SUSTEN]
Operation is simple, complete on your smartphone. We'll propose the optimal investment plan for you based on a few questions.

1. Determine your portfolio through a diagnostic assessment
2. Account opening procedures
3. Set up deposits and savings

Start automatic investing in just a few easy steps!

[Safety and Security]
Customer assets held with SUSTEN are custodied and managed by a mutual fund trustee, separate from SUSTEN's assets, in accordance with the Financial Instruments and Exchange Act.

[Features Supporting Optimal Asset Management]
■Automatic Tax-Exempt Conversion (for NISA accounts)
NISA accounts have investment limits. If a deposit exceeds these limits, SUSTEN will initially invest the excess amount in a taxable account. When the limit is restored or increased, it will automatically transfer it to a tax-exempt account, preventing missed investment opportunities.

■Setting Limit (for NISA accounts)
Automatically executes trades that conserve your new NISA limit based on market trends.

■Two-Stage Automatic Rebalancing
We monitor the status of each customer's portfolio daily. SUSTEN maintains optimal portfolio performance through two-stage rebalancing: rebalancing across our three in-house managed funds and rebalancing within each fund.

■ Tax Effect Optimization
SUSTEN's designated account (with withholding tax) automatically calculates and pays tax on your behalf. Furthermore, to reduce your tax burden, we execute trades that realize unrealized gains and losses.
*Depending on market trends, capital movements, and other factors, the above management may not be possible.

■ Currency Hedging
Currency hedging (reducing the risk of currency fluctuations) is implemented according to the role of each fund.
Compared to general index investing and robo-advisors that do not consider currency risk, SUSTEN tends to underperform when the yen weakens, but it plays a role in protecting asset value when the yen strengthens.

■ Tax-Free Rotation Trading (Applicable to NISA Accounts)
If you invest in both a NISA account and a taxable account, we compare the expected returns of the securities held in both accounts and automatically rotate transactions to minimize future tax costs in the taxable account.

[Inquiries]
Inquiries are accepted through the SUSTEN website. Please feel free to contact us with any questions. https://susten.jp/contact-us

[Risks and Expenses]
Risks and Expenses Associated with Discretionary Investment Management Contracts
https://susten.jp/discretionary-policy

Risks and Expenses Associated with Incorporated Funds (Investment Trusts)
https://susten.jp/risk-policy

[Operating Company]
susten Capital Management Co., Ltd.

Financial Instruments Business Operator, Kanto Regional Financial Bureau (Financial Instruments Business) No. 3201
Member Associations: The Investment Trusts Association of Japan, Japan Investment Advisers Association