[Finatext Holdings Co., Ltd.] Hoken no Madoguchi begins selling “Smart Manager by Hoken no Madoguchi”, a discretionary investment service using the Smart Plus discretionary investment service platform, at stores
Finatext Holdings Co., Ltd. Press release: October 24, 2024 Hoken no Madoguchi begins selling “Smart Manager by Hoken no Madoguchi,” a discretionary investment service that uses Smart Plus’ discretionary investment service platform, at stores.
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discretionary investment management service “Smart Manager” jointly developed with Chiyoda-ku, Representative Director: Takeshi Fukuda, hereinafter referred to as “Financial Standard”, will be sold to Hoken no Madoguchi Group Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo, Representative Director and President). We would like to inform you that Reiji Inomata (hereinafter “Hoken no Madoguchi”) has applied his own brand as “Smart Manager by Hoken no Madoguchi” and has started selling it at Hoken no Madoguchi stores. ■Providing background At the insurance counter, we respond to the voices of customers who visit us for insurance consultations, the shift from savings to asset formation (investment), and the new NISA system that will begin in 2024.In order to respond to the voices of customers who visit our stores for insurance consultations, and the new NISA system that will start in 2024, we will respond to the needs of customers who come to our store for insurance consultations. Based on this, we completed registration as a financial products intermediary business in November 2023 in order to “visualize money” and provide investment trusts,
discretionary investment management services, bonds, etc. in addition to conventional insurance. In January of this year, in addition to conventional insurance consultation, we began offering asset formation services using NISA, iDeCo, etc. based on life plan simulation online and at seven directly managed stores in major cities, and from February we started offering investment services. We have started handling “Smart Manager by Hoken no Madoguchi”, a discretionary management service. Based on our past results, we have decided to increase the number of stores eligible for the financial products intermediary business, and we also plan to gradually increase the number of stores that handle “Smart Manager by Hoken no Madoguchi” while improving the environment. ■Reasons for selecting Smart Manager Declaring itself to be the “best company” for our customers, Hoken no Madoguchi is a company that provides peace of mind to our customers by helping them with their ever-increasing household budget burdens and concerns and worries about the present and future. As such, we have decided to handle high-quality investment products in addition to conventional insurance. “Smart Manager by Hoken no Madoguchi” adopts a goal-based approach*, which allows you to combine the accumulation investment limit and growth investment limit in the NISA system, set up purpose-specific accounts, and choose how to receive distributions and dividends. We have determined that this is the most suitable discretionary investment management service in terms of proposing asset management that is tailored to the lives of each customer. *Goal-based approach is a method of asset management in which you set the goals you want to achieve in advance, create an investment plan to achieve the goals, and manage your assets. This method aims to steadily and efficiently achieve goals by checking the operational status and reviewing the management at certain intervals during the asset management period, and has been popular and pervasive in the United States since the 1990s. Masu. ■Overview of “Smart Manager by Hoken no Madoguchi” “Smart Manager by Hoken no Madoguchi” is a discretionary investment management service “Smart Manager” jointly developed with Financial Standard, a major IFA company, using our discretionary investment platform “Digital Wealth Manager”. is provided by applying the Hoken Madoguchi brand. “Smart Manager by Hoken no Madoguchi” is compatible with the new NISA system that was changed in January, and uses a goal-based approach to provide a total of 10 courses on U.S. stock and U.S. ETF strategies and 2 courses on investment trust strategies. You can choose the strategy that suits you from 12 distinctive strategies (as of October 2024). In addition, you can create up to 11 purpose-specific accounts, so you can select a strategy that suits your purpose and start operating it. ・Digital Wealth Manager details:
https://smartplus-sec.com/digital-wealth-manager/ ・Smart Manager details: https://smartplus-sec.com/news/press/20240105/ Product contents Contract unit Over $500 in 1 cent increments Contract period Period from the conclusion of the contract until the reason for cancellation arises Contract conclusion date: The date the customer agreed Operation start date Date of first purchase of securities for each purpose account Investment target Individual stocks listed on the U.S. stock market/ETFs listed on the U.S. stock market/Domestic publicly offered investment trusts Review of asset allocation ratio As a general rule, once every quarter (the frequency of review may change depending on market trends, such as when there are sudden market changes) Rebalance Rebalancing will be carried out at the appropriate time at the discretion of Smart Plus. Through rebalancing, we strive to maintain an optimal portfolio according to the client’s assets. Purpose-specific account You can create purpose-specific accounts according to your needs. You can set up separate portfolios for each purpose account. You can create up to 11 purpose-specific accounts (including 10 U.S. stock portfolios and 1 domestic public investment trust portfolio). Increase You can increase the amount of your account at any time. Amount: 10,000 yen or more in 1 yen increments (yen) 100 dollars or more in 1 dollar increments (dollar) Increase in freshly collected amount You can increase the amount of your account by purpose on a regular basis (once a month). Amount: 10,000 yen or more in 1 yen increments (yen) 100 dollars or more in 1 dollar increments (dollar) Reduction You can reduce the amount of your purpose-specific account at any time. Amount: 10,000 yen or more in 1 yen increments (yen) 100 dollars or more in 1 dollar increments (dollars). However, the amount cannot be reduced by more than 80% of the balance of the purpose-specific account. Closing accounts by purpose You can close your account at any time. When you close a purpose-specific account, all assets in the purpose-specific account are converted into cash and reduced. Operation report We issue and deliver an operational report to our customers once every six months. Transaction report We will issue and deliver a transaction report to our customers every time a purchase or sale occurs. Transaction balance report Once a quarter, we will issue and deliver a transaction balance report to our customers. Specific account annual transaction report Once a year, we will issue and deliver a specified account annual transaction report to customers who have a specified account. Gain/loss on transfer In the case of a specified account (withholding tax), the amount of tax will be automatically calculated and collected. Profit and loss for a specific account will be calculated by adding it up to other Smart Plus services. “Smart Manager by Hoken no Madoguchi” notes Smart Plus manages securities accounts and discretionary investment operations. Hoken Madoguchi provides brokerage services for opening securities accounts and discretionary investment contracts. Financial Standard provides investment advice to Smart Plus. ■About Hoken no Madoguchi Group Co., Ltd. “Hoken no Madoguchi” is a “visit-type insurance shop” where you can consult about insurance as many times as you like, free of charge. Insurance professionals support insurance selection based on what each customer wants to know, such as the key points to consider when choosing insurance and the differences between insurance products from different companies. You can choose insurance by comparing insurance products from multiple companies with professionals who have been trained under a thorough education and training system. We have 706 stores (as of the end of September 2024, including partner stores and affiliated bank stores) in 47 prefectures nationwide. Hoken no Madoguchi Group Co., Ltd. Company Profile Company name: Hoken no Madoguchi Group Co., Ltd. Financial products
intermediary Kanto Local Finance Bureau (Kinnaka) No. 1020
Representative: Representative Director and President Reiji Inomata Head office location: 20th floor, Tekko Building, 1-8-2 Marunouchi, Chiyoda-ku, Tokyo Established: April 1995 Capital: 500 million yen Business details: Insurance agency (life insurance/non-life insurance) Operation of insurance shop “Hoken no Madoguchi” Operational support for partner stores/affiliated stores URL:
https://www.hokennomadoguchi.com/ ■About Financial Standard Co., Ltd. Established in 2012 as an independent financial advisor company not affiliated with a financial institution. We primarily aim to help individual customers realize long-term asset management based on a goal-based approach. The number of customers is 7,448, and the assets under custody are 204.2 billion yen (as of October 22, 2024). Company name: Financial Standard Co., Ltd. Financial Product Interlone Kanto Finance Bureau (Kinnaka) No. 620 Financial products transaction business (investment advisory/agency business) Kanto Local Finance Bureau (Kinsho) No. 3067 Representative: Representative Director Takeshi Fukuda Location: Head Office Yurakucho Office 16th floor, Yurakucho Itosia Office Tower, 2-7-1 Yurakucho, Chiyoda-ku, Tokyo Branch Osaka Office 19-19 Chayamachi, Kita-ku, Osaka, Osaka
Prefecture, Applause Tower 11th floor Branch Fukuoka Office Tenjin MENT Building 5th floor, 1-20-2 Imaizumi, Chuo-ku, Fukuoka City, Fukuoka Prefecture Established: October 2012 Business content: Financial products intermediary business Financial products
transaction business (investment advisory/agency business) Life insurance agency Real estate brokerage Asset formation/asset management consulting service Real estate consulting service Inheritance consulting service Member associations: Japan Investment Advisers Association, Japan Financial Instruments Intermediaries Association, Insurance Riding Agents Association URL:
https://fstandard.co.jp/ ■About Finatext Group and Smart Plus Co., Ltd. Finatext Group is a fintech company group whose mission is to “reinvent finance as a service” and realize embedded finance by providing next-generation financial infrastructure. “Finatext Co., Ltd.” reviews the ideal state of financial services from the user’s perspective and develops new financial services together with partner businesses; “Nowcast Co., Ltd.” provides alternative data analysis services; and “Smart Co., Ltd.” provides a securities business platform. We have operating companies such as “Smart Plus Small Amount and Short Term Insurance Co., Ltd.”, which offers
next-generation digital insurance, and aim to create “a world in which finance is more closely connected to people’s lives.” Image
URL: https://prcdn.freetls.fastly.net/release_image/12138/434/12138-434-4d5bbc6b8e920a4ab20fa0b39354cc7-1300×500.png Company name: Finatext Holdings Co., Ltd. Representative: Ryota Hayashi, Representative Director, President and CEO Stock code: TSE Growth Market 4419 Established: December 2013 Address: 9th floor, Sumitomo Fudosan Kudan Building, 1-8-10 Kudankita, Chiyoda-ku, Tokyo Official website: https://hd.finatext.com/ Smart Plus Co., Ltd. Smart Plus Co., Ltd. is a fintech company that supports businesses to provide securities services to their own customers, centered on the securities business platform “BaaS: Brokerage as a Service.” At Finatext Group, which realizes embedded finance by providing next-generation financial infrastructure, we are responsible for the financial infrastructure business in the securities field.
https://prcdn.freetls.fastly.net/release_image/12138/434/12138-434-689b7f8875ef677c525ce3914b82d1a4-1200×400.png Company name: Smart Plus Co., Ltd. Financial Instruments Business Operator Kanto Local Finance Bureau (Kinsho) No. 3031 Representative: Noriko Kobayashi, Representative Director Head office location: 9th floor, Sumitomo Fudosan Kudan Building, 1-8-10 Kudankita, Chiyoda-ku, Tokyo Established: March 2017 Business content: Financial products trading business Member associations: Japan Securities Dealers Association, Type 2 Financial Instruments Business Association, Japan Investment Advisors Association URL: https://smartplus-sec.com/ Trade name, etc.: Smart Plus Co., Ltd. Financial products business operator: Kanto Local Finance Bureau (Kinsho) No. 3031 Member associations: Japan Securities Dealers Association, Japan Investment Advisers Association, Type 2 Financial Instruments Business Association ■Notes regarding account opening and transactions ・When making a transaction using Smart Plus, you may be required to pay certain fees and expenses for each product. ・When trading stocks, you may incur losses due to a decline in stock prices. In addition, losses may be incurred due to deterioration of the issuing company’s financial condition, such as bankruptcy. Investment trust transactions may also incur losses due to a decline in the standard price. ・For foreign securities transactions involving foreign exchange transactions, in addition to the above, you may incur losses due to exchange rate fluctuations. ・For leveraged and inverse ETFs, there may be a difference between the target underlying index and the reference price due to various operational costs, etc., and in the medium to long term, this discrepancy may become large, and the compound interest effect may reduce profits. It may be difficult to obtain. ・When opening various accounts with our company, there will be a screening prescribed by our company. ・When individual stocks are displayed or mentioned in materials, etc., they are posted for illustrative purposes only, and are not intended to be a solicitation or recommendation to buy or sell such stocks. ・When making a transaction, please carefully read the pre-contract documents, prospectus, other documents, contracts, etc. issued by our company. ■Notes regarding discretionary investment contracts ・When you conclude a discretionary investment contract with Smart Plus, you may be required to pay certain fees and expenses. ・Investments are managed based on discretionary investment contracts that the Company concludes with customers, and the investment principal is not guaranteed, and all profits and losses from investment belong to the customers. ・As the investment targets are domestic and foreign securities with price fluctuations, losses may occur due to fluctuations in indicators such as stock prices, interest rates, currency prices, etc., or changes in the issuer’s credit status, etc., and the investment principal may be lost. There is a risk of interruption. ・Before applying for a discretionary investment contract, please carefully read and understand the pre-contract documents and terms and conditions before applying. ・Cooling-off (Article 37-6 of the Financial Instruments and Exchange Act) does not apply to discretionary investment contracts. ・The past performance results displayed do not guarantee future performance results.
