“Goal Navi”, a fund wrap for individuals jointly developed by Smart Plus and Nissay Asset Management, adopte d by Iwai Cosmo Securities for the first time as a securities company

Finatext Holdings Co., Ltd.
“Goal Navi”, a fund wrap for individuals jointly developed by Smart Plus and Nissay Asset Management, adopted by Iwai Cosmo Securities for the first time as a securities company
-Discretionary investment service “Iwai Cosmo Goal Navi” will be available from January 23, 2023 (Monday)-

Smart Plus Co., Ltd. (head office: Chiyoda-ku, Tokyo; Representative Director: Noriko Kobayashi; hereinafter “Smart Plus”), a Finatext Group company that realizes embedded finance through the provision of next-generation financial infrastructure, is Nissay Asset Management Co., Ltd. (head office : Chiyoda-ku, Tokyo, President: Hiroshi Ozeki, hereinafter referred to as “Nissay Asset Management”), a fund wrap for individuals “Goal Navi” jointly developed by Iwai Cosmo Securities Co., Ltd. (Headquarters: Osaka City, Osaka Prefecture, Representative Chairman and CEO: Yoshiaki Okitsu, hereinafter referred to as “Iwai Cosmo Securities”) will be adopted and will be available as a discretionary investment service “Iwai Cosmo Goal Navi” from January 23, 2023 (Monday). This is the first time that a securities company has adopted Goal Navi.
As for “Iwai Cosmo Goal Navi”, Nissay Asset Management will act as a discretionary investment agent and provide management instructions, Iwai Cosmo Securities will act as an intermediary for the
discretionary investment contract, and Smart Plus will manage securities accounts.
■ Background of provision
As we enter the era of 100-year lifespans, it is becoming necessary for the child-raising generation and the young generation to plan asset formation according to their life cycle. From the perspective of customer-oriented business operations, there is a strong need for financial institutions to shift from a business that emphasizes fees to a business that earns remuneration based on assets in custody. An increasing number of financial institutions want to offer fund wraps, which are services that receive rewards based on assets.
“Goal Navi” provided by Smart Plus together with Nissay Asset Management is a service that allows regional financial institutions with a customer base to provide fund wraps for individuals that can also be handled online at low cost and in a short period of time. We have a function to continuously support a series of cycles from the customer and the person in charge sharing goals, confirming the investment policy to contract, and reviewing the contract details in line with changes in the environment. You can follow
For Iwai Cosmo Securities, the biggest feature of “Goal Navi” is that you can set up to 10 accounts for each purpose, the application course can automatically operate a plan that suits each individual, and you can set goals. We received high praise for the ability to support regular operation reports and notification functions, which led to the adoption of this service.
Smartplus will continue to support financial institutions’ DX (digital transformation) and profitability by realizing customer-oriented financial services while keeping costs down by utilizing the securities business platform “BaaS”. increase.
■Overview of “Iwai Cosmo Goal Navi”
“Iwai Cosmo Goal Navi” asks customers to answer a few simple questions, confirms their goals (targets) that they want to achieve in terms of investment policies and life events, and makes full use of FinTech technology to find out what is best for them. This is a goal-based entrusted asset management service that automatically manages assets according to an investment plan. Nissay Asset Management will review asset management and asset allocation on behalf of the customer, so even busy people of the working generation will not miss a trading opportunity, and even beginners with little investment experience can feel free to do so. Available.
■ Characteristics of “Iwai Cosmo Goal Navi”
A goal-based entrusted asset management service that confirms the customer’s goal (goal) through a simple free diagnosis on the Internet and proposes an investment plan.
Up to 10 accounts can be set up for different purposes such as education funds and retirement funds.
If you select “investment investment”, you can invest from 10,000 yen per month Timely confirmation of asset management status, change of target amount and investment strategy at any time
When there is a change in the deposit/withdrawal schedule or arrival probability, we will support you to achieve your goals with
notification services such as push notifications and emails in the app.
After opening an account, it can be used from the next business day at the earliest.
■ Mechanism of “Iwai Cosmo Goal Navi”
Through Iwai Cosmo Securities, customers are required to open a comprehensive securities account with Smart Plus, an account management institution.
Customers are required to conclude a discretionary investment contract with Nissay Asset Management, a discretionary investment agency, through Iwai Cosmo Securities.
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■ “Iwai Cosmo Goal Navi” product details
[Table 2: https://prtimes.jp/data/corp/12138/table/266_1_56ed124882bffe8ef78bc434c4637802.jpg ]
*1 Discretionary investment fee [discretionary investment fee after adjustment: maximum annual rate of 1.045% (tax included)]. Separately, there are indirect expenses such as a maximum annual rate of 0.330% (including tax), audit expenses, and securities trading fees for the investment trusts, but the upper limit will be charged in advance as it will vary depending on the operation status. etc. cannot be shown. ■ About “Goal Navi”
“Goal Navi” is a fund wrap for individuals jointly developed with Nissay Asset Management, utilizing the securities business platform “BaaS (Brokerage as a Service)” provided by Smart Plus. There are two forms of provision: the “app course” where customers operate the smartphone app themselves to make transactions, and the “consulting course” where customers can continuously receive face-to-face consulting and after-sales service from the person in charge of the intermediary institution. Since customer information is linked within the system, customers on the consulting course can also use the service by operating the app themselves. In addition to the services provided by Nissay Asset Management, we are also promoting the provision of services through collaboration with regional financial institutions and business companies that have entered the financial business through financial product intermediary services. By adopting “Goal Navi”, partner companies will be able to easily provide customers with high-quality asset management services that utilize Nissay Asset Management’s advanced asset management know-how. ◯Features of “Goal Navi”
We propose the optimal operation plan (operation strategy) for each customer through a free diagnosis of the application.
You can open multiple purpose-specific accounts with a single contract, enabling flexible operations that match your life plan. Check your goal probability daily and navigate to reach your goal while maintaining optimal asset allocation with automatic rebalancing. For more information, please refer to the press release below. https://smartplus-sec.com/news/press/goalnavi20220302/
-Indications related to the Financial Instruments and Exchange Act- Discretionary investment business operator [Provide investment instructions] Trade name, etc.: Nissay Asset Management Co., Ltd.
Financial instruments business operator: Director of the Kanto Local Finance Bureau (Kinsho) No. 369
Member Association: The Investment Trusts Association, Japan / Japan Investment Advisers Association
Intermediary agency [Intermediary for conclusion of contract] Trade name, etc.: Iwai Cosmo Securities Co., Ltd.
Financial instruments business operator: Director of the Kinki Local Finance Bureau (Kinsho) No. 15
Member Associations: Japan Securities Dealers Association, Financial Futures Association, Japan Investment Advisers Association
Account Management Institution [Performs securities account management] Trade name, etc.: Smart Plus Co., Ltd.
Financial instruments business operator: Director of the Kanto Local Finance Bureau (Kinsho) No. 3031
Member Association: Japan Securities Dealers Association / Japan Investment Advisers Association / Type II Financial Instruments Firms Association
-Important information about “Goal Navi”-
■ Risk
Goal Navi manages investments in investment trusts based on
discretionary investment contracts concluded with customers by Nissay Asset Management. Investment principal is not guaranteed.
Investment trusts invest in domestic and foreign securities that fluctuate in price, so losses may occur due to fluctuations in indices such as stock prices, interest rates, and currency prices, as well as changes in the credit status of issuers. There is a risk that the investment principal will be interrupted.
Unlike deposits, Goal Navi is not covered by the deposit insurance scheme. Under a discretionary investment contract, Nissay Asset Management manages the investment on behalf of the client, but all profits and losses from the investment belong to the client.
■ Cost
The maximum annual rate of 1.045% (0.95% excluding tax) of the contract amount will be charged to the customer with Goal Navi for the app course. With the end of March, end of June, end of September, and end of December as the end of the quarter, the expenses for the period belonging to the same quarter will be calculated, and in principle, payment will be made in arrears on the 10th business day of the following month. In addition, since it varies depending on the contract course and contract amount, please check the document delivered before concluding the contract for details. In addition, there are indirect costs such as investment management costs (trust fees), audit costs, and securities trading fees related to investment trusts. The total amount of investment management expenses (trust fees) cannot be stated in advance because it varies depending on asset allocation, investment period, etc. Since audit costs, securities trading commissions, etc. will fluctuate depending on the operational status, etc., it is not possible to indicate the upper limit etc. in advance. For details, please refer to the investment trust manual (prospectus for delivery). The total amount of such expenses, the maximum amount and the calculation method will vary depending on the operation status and operation period, etc., and cannot be stated in advance.
■Other notes
Before applying (Discretionary Investment Contract), please carefully read the latest “Documents Delivered Before Conclusion of Contract”. When applying (discretionary investment contract), please check and understand the contents of the contract with the discretionary investment contract, the document delivered at the time of conclusion of the discretionary investment contract, terms and conditions, and other documents. Please judge.
Cooling-off (Article 37-6 of the Financial Instruments and Exchange Law) does not apply to discretionary investment contracts.
This site is a document created by Nissay Asset Management and Smart Plus in order to enhance the understanding of Goal Navi services. This site has been created based on information deemed reliable, but we do not guarantee its accuracy or completeness.
The contents of this site are current as of the creation date and are subject to change without notice. In addition, it does not guarantee future fluctuations in the market environment.
-Important information about opening a Smart Plus account-
When you make a transaction with Smart Plus, you may be required to bear the prescribed fees and expenses for each product.
Stock trading may suffer losses due to stock price declines. In addition, losses may be incurred due to deterioration in the financial condition of the issuing company, such as bankruptcy. There is also a risk of loss due to a decline in the base price of investment trust transactions.
In addition to the above, we may incur losses due to fluctuations in foreign exchange rates when trading foreign securities that involve foreign exchange transactions.
Margin trading is a high-risk, high-return transaction that involves various costs such as interest rates, stock lending fees, and product lending fees.
Margin trading is not permitted if the suitability of your investment is unsuitable for margin trading.
For leveraged and inverse ETFs, there may be a difference between the target underlying indicator and the base price due to various expenses, etc. in managing it. It may be difficult to obtain. When opening various accounts at our company, there is a screening prescribed by our company.
When individual stocks are indicated or mentioned in materials, etc., they are posted only as examples, and are not intended to solicit or recommend trading of such stocks.
Stock lending transactions are not subject to separate storage, and there is a risk that lent securities may not be returned.
Please carefully read the pre-contract documents, prospectuses and other documents delivered by our company, contracts, etc. when conducting transactions.
[About Finatext Group and Smart Plus Co., Ltd.]
The Finatext Group is a fintech company group that realizes embedded finance through the provision of next-generation financial
infrastructure, with the mission of “reinventing finance as a ‘service’.” Finatext Co., Ltd. develops new financial services with partner companies by reviewing the ideal form of financial services from the user’s point of view; Alternative data analysis service Nowcast Co., Ltd.; Plus”, and the next-generation digital insurance company “Smart Plus Small Amount Short Term Insurance Co., Ltd.” [Image 2d12138-266-bbaef2d65bff01d489b2-1.png&s3=12138-266-484e9599566f85543faf04cdf3f297d0-1500x600.png
Company name: Finatext Holdings Co., Ltd.
Representative: Ryota Hayashi, CEO
Securities code: Tokyo Stock Exchange Growth Market 4419
Established: December 2013
Location: 9th floor, Sumitomo Fudosan Kudan Building, 1-8-10 Kudankita, Chiyoda-ku, Tokyo
Official site: https://hd.finatext.com/
■ Smart Plus Co., Ltd.
Smart Plus Co., Ltd. is a fintech company that supports businesses in providing securities services to their own customers, centered on the securities business platform “BaaS: Brokerage as a Service”. In the Finatext Group, which realizes embedded finance through the provision of next-generation financial infrastructure, we are responsible for the financial infrastructure business in the securities area. In addition to services for businesses such as the development of Japan’s first service “Saison Pocket” that allows you to buy individual stocks with a credit card, we have also developed and provided our own smartphone investment service “STREAM”.
Company name: Smart Plus Co., Ltd. Financial instruments business operator Kanto Local Finance Bureau Director (Kinsho) No. 3031 Representative: Noriko Kobayashi, Representative Director
Established: March 2017
Location: 9th floor, Sumitomo Fudosan Kudan Building, 1-8-10 Kudankita, Chiyoda-ku, Tokyo
Business description: Financial instruments business
Member Associations: Japan Securities Dealers Association, Type II Financial Instruments Firms Association, Japan Investment Advisers Association
Official site: https://smartplus-sec.com/

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