Automatically invest small amounts of your change
Posted: Tue Jan 21, 2025 4:17 am
Smartphones x Finance The forefront of smartphone asset management!
A few years ago, it would have been unthinkable that we would be able to manage our assets using a smartphone.
In particular, those who work for companies other than IT or finance may not have even imagined it.
In this article, we would like to focus on asset management using smartphones, which is becoming a trend in Fintech these days.
1. Acorns:
161129_1
What this app achieves is to lower the barrier to investment.
When you pay with cash, you often receive "change." The common practice is to save the change in coins and then deposit it in a bank when your piggy bank is full.
This app is based on the unique idea of botim database generating "change" when you pay with a credit card, and then investing it.
For example, if you eat at a cafe and the bill comes to 830 yen, you can pay with the card registered in the app to get a nice round number of 900 yen. The 70 yen "change" will be automatically invested and will be managed automatically based on the investment policy you select (there are several types available, such as conservative and aggressive).
Even if you are afraid of investing, this system allows you to invest little by little, unconsciously through your regular shopping, so it seems like it would be easy to get started!
■Acorns
Apple:
2. "THEO" - Asset management service starting from 100,000 yen
161129_2
For those who want to manage their money seriously but at a reasonable cost, we recommend the smartphone asset management service THEO.
Your money will be managed by a robo-advisor using the service's unique algorithm.
This robo-advisor will get smarter over time through machine learning, so it's probably safer than investing based on human intuition or instinct (I'd like to believe that). Also, if you're a beginner who wants to start investing but has no experience, it's probably safer to leave it to a robo.
The minimum amount for this is 100,000 yen, so if you're serious about getting started, this is the one for you!
A few years ago, it would have been unthinkable that we would be able to manage our assets using a smartphone.
In particular, those who work for companies other than IT or finance may not have even imagined it.
In this article, we would like to focus on asset management using smartphones, which is becoming a trend in Fintech these days.
1. Acorns:
161129_1
What this app achieves is to lower the barrier to investment.
When you pay with cash, you often receive "change." The common practice is to save the change in coins and then deposit it in a bank when your piggy bank is full.
This app is based on the unique idea of botim database generating "change" when you pay with a credit card, and then investing it.
For example, if you eat at a cafe and the bill comes to 830 yen, you can pay with the card registered in the app to get a nice round number of 900 yen. The 70 yen "change" will be automatically invested and will be managed automatically based on the investment policy you select (there are several types available, such as conservative and aggressive).
Even if you are afraid of investing, this system allows you to invest little by little, unconsciously through your regular shopping, so it seems like it would be easy to get started!
■Acorns
Apple:
2. "THEO" - Asset management service starting from 100,000 yen
161129_2
For those who want to manage their money seriously but at a reasonable cost, we recommend the smartphone asset management service THEO.
Your money will be managed by a robo-advisor using the service's unique algorithm.
This robo-advisor will get smarter over time through machine learning, so it's probably safer than investing based on human intuition or instinct (I'd like to believe that). Also, if you're a beginner who wants to start investing but has no experience, it's probably safer to leave it to a robo.
The minimum amount for this is 100,000 yen, so if you're serious about getting started, this is the one for you!