{"id":3053,"date":"2016-01-16T00:52:52","date_gmt":"2016-01-15T15:52:52","guid":{"rendered":"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/?p=3053"},"modified":"2021-08-10T19:07:58","modified_gmt":"2021-08-10T10:07:58","slug":"ria","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20160116\/ria\/","title":{"rendered":"\u30d2\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u52a9\u3051\u308b\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\uff5cFintech\uff08\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\uff09\u7814\u7a76\u6240"},"content":{"rendered":"<p>2016\u5e74\u306b\u6d3b\u767a\u5316\u304c\u4e88\u60f3\u3055\u308c\u308b\u9818\u57df\u3068\u3057\u3066\u3001<a href=\"http:\/\/news.mynavi.jp\/column\/takiFintech\/004\/\" target=\"_blank\" rel=\"noopener\">\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc<\/a>\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><!--more--><\/p>\n<p><a href=\"https:\/\/www.money-design.com\/\" target=\"_blank\" rel=\"noopener\">\u304a\u91d1\u306e\u30c7\u30b6\u30a4\u30f3<\/a>\u793e\u3084<a href=\"http:\/\/www.wealthnavi.com\/\" target=\"_blank\" rel=\"noopener\">WealthNavi<\/a>\u306e\u307b\u304b\u3001\u65e2\u5b58\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u91d1\u878d\u6a5f\u95a2\u3067\u3082<a href=\"http:\/\/www.monexgroup.jp\/jp\/news_release\/pdf\/press2015_11_30_J_MSV-web.pdf\" target=\"_blank\" rel=\"noopener\">\u30de\u30cd\u30c3\u30af\u30b9\u30fb\u30bb\u30be\u30f3\u30fb\u30d0\u30f3\u30ac\u30fc\u30c9\u6295\u8cc7\u9867\u554f<\/a>\u3084<a href=\"https:\/\/www.8securities.co.jp\/8Now\/jp\/8Now.php\" target=\"_blank\" rel=\"noopener\">\u30a8\u30a4\u30c8\u8a3c\u5238<\/a>\u3068\u3044\u3063\u305f\u30d7\u30ec\u30fc\u30e4\u30fc\u3082\u53f0\u982d\u3057\u3066\u304a\u308a\u3001\u4ed6\u306b\u3082\u3055\u307e\u3056\u307e\u306a\u30d9\u30f3\u30c1\u30e3\u30fc\u304c\u751f\u307e\u308c\u3066\u304f\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002<\/p>\n<h3>FutureAdvisor\u3068BBVA\u306e\u63d0\u643a<\/h3>\n<p>\u4ee5\u524d\u306b\u5f53\u30d6\u30ed\u30b0\u3067\u3082\u3001\u53d6\u308a\u4e0a\u3052\u305f<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20150904\/futureadvisor\/\" target=\"_blank\" rel=\"noopener\">FutureAdvisor<\/a>\u306f\u4eca\u9031\u3001Fintech\u3078\u306e\u53d6\u308a\u7d44\u307f\u3067\u306f\u4e16\u754c\u3067\u3082\u3063\u3068\u3082\u7a4d\u6975\u7684\u3068\u3082\u3044\u3048\u308b\u30b9\u30da\u30a4\u30f3\u306e\u9280\u884cBBVA\u3068\u306e\u63d0\u643a\u3092\u958b\u59cb\u3057\u305f\u3053\u3068\u3092<a href=\"http:\/\/newsroom.bbvacompass.com\/2016-01-12-BBVA-Compass-teams-with-FutureAdvisor-to-offer-clients-access-to-comprehensive-affordable-investment-advice-anytime-anywhere\" target=\"_blank\" rel=\"noopener\">\u767a\u8868<\/a>\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u3053\u306e\u53d6\u7d44\u306b\u3088\u308a\u3001BBVA\u306e\u7c73\u56fd\u306e\u9867\u5ba2\u306fFutureAdvisor\u306e\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u30b5\u30fc\u30d3\u30b9\u3092\u4eab\u53d7\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u308a\u307e\u3059\u3002\u540c\u30b5\u30fc\u30d3\u30b9\u306e\u88cf\u5074\u306b\u306f\u3001\u89aa\u4f1a\u793e\u3067\u4e16\u754c\u6700\u5927\u306e\u904b\u7528\u4f1a\u793eBlackRock\u306e\u30a4\u30f3\u30d5\u30e9\u304c\u3042\u308a\u3001<a href=\"https:\/\/www.betterment.com\/\" target=\"_blank\" rel=\"noopener\">Betterment<\/a>\u3084<a href=\"https:\/\/www.wealthfront.com\/\" target=\"_blank\" rel=\"noopener\">Wealthfront<\/a>\u3092\u7f6e\u3044\u3066\u9078\u3070\u308c\u305f\u80cc\u666f\u3068\u3057\u3066\u3082\u30d9\u30f3\u30c1\u30e3\u30fc\u306b\u306f\u306a\u3044\u7d99\u7d9a\u6027\u3082\u3042\u3063\u305f\u3068\u306e<a href=\"http:\/\/www.americanbanker.com\/news\/bank-technology\/bbvas-answer-to-the-call-for-robo-advisers-a-fintech-partnership-1078785-1.html\" target=\"_blank\" rel=\"noopener\">\u5831\u9053<\/a>\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>FutureAdvisor\u306e\u30b5\u30fc\u30d3\u30b9\u69cb\u6210\u306f\u6a5f\u68b0\u7684\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u306f\u7121\u6599\u3001\u5bfe\u4eba\u7684\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u306f50bps\u3067\u3001\u3068\u3044\u3046\u69cb\u6210\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20150130\/slquote\/\" target=\"_blank\" rel=\"noopener\">\u300c\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u7d42\u7109\uff1f\u300d<\/a>\u3067\u3082\u898b\u305f\u3088\u3046\u306b\u3001\u4fa1\u683c\u7af6\u4e89\u3084\u5dee\u5225\u5316\u306e\u53b3\u3057\u3055\u304b\u3089\u3001\u3053\u306e\u9818\u57df\u3067\u306f\u69d8\u3005\u306a\u30c1\u30e3\u30cd\u30eb\u7af6\u4e89\u304c\u4eca\u3084\u30ab\u30ae\u3068\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>\u4eba\u304b\u3089\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u306e\u7acb\u3061\u4f4d\u7f6e<\/h3>\n<p>\u904b\u7528\u7523\u696d\u306e\u30ea\u30b5\u30fc\u30c1\u3067\u6709\u540d\u306aCerulli Associates\u306e\u30a2\u30ca\u30ea\u30b9\u30c8\u306f\u305d\u306e\u3088\u3046\u306a\u4e2d\u3001\u4e0a\u8a18\u8a18\u4e8b\u3067\u300c\u307b\u3068\u3093\u3069\u306e\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u3001\u5b9f\u969b\u306b\u306f\u30ed\u30dc\u3067\u306f\u306a\u304f\u3001\u96fb\u8a71\u3067\u306e\u554f\u3044\u5408\u308f\u305b\u3084\u30c1\u30e3\u30c3\u30c8\u3067\u306e\u52a9\u8a00\u304c\u53ef\u80fd\u300d\u306b\u306a\u3063\u3066\u3044\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u30c8\u30ec\u30f3\u30c9\u306e\u4e2d\u3067\u3001\u3044\u304f\u3064\u304b\u306e\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3001\u5143\u3005\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3092\u8ee2\u63db\u3057\u3066\u3001\u5bfe\u4eba\u7684\u306aFP\u3092\u652f\u63f4\u3059\u308b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u63d0\u4f9b\u8005\u3068\u306a\u308b\u3053\u3068\u3092\u9078\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n<p>\u6a5f\u68b0\u7684\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u3068\u4eba\u9593\u7684\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u3067\u306f\u3059\u307f\u5206\u3051\u304c\u767a\u751f\u3057\u3066\u304a\u308a\u3001\u9867\u5ba2\u305d\u308c\u305e\u308c\u306e\u91d1\u878d\u72b6\u614b\u304c\u3088\u308a\u8907\u96d1\u306b\u306a\u308b\u4e2d\u3067\u3001\u30d2\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u3082\u305f\u3089\u3059\u5f79\u5272\u306f\u3001\u3080\u3057\u308d\u3088\u308a\u3042\u308a\u304c\u305f\u304f\u306a\u308b\u3001\u3068\u3044\u3046\u5074\u9762\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n<p>\u8cc7\u7523\u904b\u7528\u3084\u5e02\u6cc1\u306b\u5bfe\u3059\u308b\u30a2\u30c9\u30d0\u30a4\u30b9\u306e\u6e90\u6cc9\u3068\u3057\u3066\u306e\u81ea\u52d5\u5316\u3084\u4eba\u5de5\u77e5\u80fd\u306f\u3001\u65e2\u306b\u69d8\u3005\u306a\u5074\u9762\u3067\u5b9f\u7528\u5316\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u751f\u304d\u65b9\u3084\u8ee2\u8077\u3001\u5bb6\u65cf\u95a2\u4fc2\u3068\u3044\u3063\u305f\u5074\u9762\u306b\u3001\u4eba\u5de5\u77e5\u80fd\u304c\u52a9\u8a00\u3092\u3082\u305f\u3089\u3059\u306e\u306f\u3001\u3082\u3046\u5c11\u3057\u5148\u306e\u672a\u6765\u306a\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h3>Totum Wealth\u304c\u63b2\u3052\u308b\u4eba\u7684\u8cc7\u672c\u5206\u6790<\/h3>\n<p>\u3053\u306e\u3088\u3046\u306a\u672a\u6765\u50cf\u3092\u898b\u308b\u4e2d\u3067\u3001\u73fe\u5b9f\u7684\u306a\u89e3\u3092\u6a21\u7d22\u3059\u308b\u30d9\u30f3\u30c1\u30e3\u30fc\u306e\u4e00\u3064\u304c\u3001<a href=\"http:\/\/totumwealth.com\/\" target=\"_blank\" rel=\"noopener\">Totum Wealth<\/a>\u3067\u3059\u3002<\/p>\n<p>\u540c\u30d9\u30f3\u30c1\u30e3\u30fc\u306f\u3001\u4f1d\u7d71\u7684\u306a\u8cc7\u7523\u904b\u7528\u6226\u7565\u306e\u5224\u65ad\u8981\u7d20\u306b\u52a0\u3048\u3066\u3001\u5c45\u4f4f\u5730\u57df\u3001\u5065\u5eb7\u72b6\u614b\u3001\u5bb6\u65cf\u5f62\u614b\u3001\u50cd\u3044\u3066\u3044\u308b\u7523\u696d\u3001\u5c06\u6765\u6240\u5f97\u304c\u5897\u3048\u308b\u304b\u306e\u898b\u901a\u3057\u3001\u4e0d\u52d5\u7523\u4fdd\u6709\u3068\u3044\u3063\u305f\u3001\u4eba\u7684\u306a\u5074\u9762\u3092\u53d6\u308a\u5165\u308c\u305f\u3001\u81ea\u52d5\u7684\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u76ee\u7684\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5143\u3005PIMCO\u306a\u3069\u306b\u6240\u5c5e\u3057\u3066\u3044\u305f\u5275\u696d\u8005\u305f\u3061\u306f\u3001\u4e16\u754c\u306e\u6700\u5927\u624b\u306e\u6a5f\u95a2\u6295\u8cc7\u5bb6\u305f\u3061\u304c\u3001\u81ea\u3089\u306e\u30ea\u30b9\u30af\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u7cbe\u7dfb\u306b\u7406\u89e3\u3057\u305f\u4e0a\u3067\u3001\u904b\u7528\u3092\u884c\u3063\u3066\u3044\u305f\u4e00\u65b9\u3067\u3001\u500b\u4eba\u306b\u306f\u3053\u306e\u3088\u3046\u306a\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u5272\u9ad8\u3059\u304e\u308b\u3053\u3068\u306b\u7740\u76ee\u3057\u307e\u3057\u305f\u3002\u4e00\u7bc0\u306b\u306f\u3001<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20131206\/aladdin\/\" target=\"_blank\" rel=\"noopener\">BlackRock\u306e\u30a2\u30e9\u30b8\u30f3<\/a>\u306b\u306f<a href=\"http:\/\/www.totumwealth.com\/blog\/why-we-created-totum\/\" target=\"_blank\" rel=\"noopener\">\u6570\u5104\u5186\u306e\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b<\/a>\u3082\u306e\u3001\u3068\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u4e16\u754c\u306b\u5bfe\u3057\u3066Totum Wealth\u3067\u306f\u6708\u984d128\u30c9\u30eb\uff5e\u306e\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u3001\u7c73\u56fd\u306e\u72ec\u7acb\u7cfbFP\uff08RIA\uff09\u3092\u4e2d\u5fc3\u3068\u3057\u3066\u3001\u30a8\u30f3\u30c9\u30e6\u30fc\u30b6\u30fc\u306b\u3001\u4eba\u7684\u8cc7\u672c\u306b\u95a2\u3059\u308b\u81ea\u52d5\u30a2\u30c9\u30d0\u30a4\u30b9\u30c4\u30fc\u30eb\u3092\u63d0\u4f9b\u3057\u3066\u3044\u304f\u898b\u8fbc\u307f\u3067\u3059\u3002<\/p>\n<p>\u4eba\u7684\u8cc7\u672c\u306f\u500b\u4eba\u306e\u8cc7\u7523\u904b\u7528\u3092\u53b3\u5bc6\u306b\u8003\u3048\u308b\u969b\u306e\u91cd\u8981\u306a\u8981\u7d20\u3067\u3059\u3002<\/p>\n<p>\u4e00\u4f8b\u3092\u6319\u3052\u308b\u3068\u3001\u682a\u5f0f200\u4e07\u5186\u3001\u9810\u91d1300\u4e07\u5186\u3092\u6301\u3063\u3066\u3044\u308b32\u6b73\u3067\u5e74\u53ce\u304c500\u4e07\u5186\u306e\u4eba\u304c\uff12\u4eba\u3044\u3066\u3082\u3001\u65e2\u5a5a\uff0f\u672a\u5a5a\u304b\u3001\u5927\u4f01\u696d\uff0f\u30d9\u30f3\u30c1\u30e3\u30fc\u306b\u3044\u308b\u304b\u3001\u8ee2\u8077\u6b74\u304c\u3069\u308c\u304f\u3089\u3044\u3042\u308b\u304b\u3001\u30ad\u30e3\u30ea\u30a2\u5fd7\u5411\u306f\u3042\u308b\u304b\u3001\u3068\u3044\u3063\u305f\u8981\u7d20\u306b\u3088\u308a\u3001\u305d\u306e\u4eba\u304c\u6697\u306b\u6709\u3057\u3066\u3044\u308b\u300c\u5c06\u6765\u306e\u8caf\u91d1\u300d\u306e\u91d1\u984d\u3084\u3001\u305d\u306e\u30ea\u30b9\u30af\u5ea6\u5408\u3044\u306f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u4eba\u7684\u8cc7\u672c\u3092\u52a0\u5473\u3057\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u6295\u8cc7\u3092\u3059\u308b\u3079\u304d\u3001\u3068\u3044\u3046\u7406\u8ad6\u4e0a\u306e\u5c55\u958b\u304c90\u5e74\u4ee3\u9803\u304b\u3089\u898b\u3089\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u306a\u304b\u306a\u304b\u6c7a\u5b9a\u6253\u304c\u306a\u304b\u3063\u305f\u3053\u3068\u3082\u4e8b\u5b9f\u3002\u30b9\u30c8\u30fc\u30ea\u30fc\u3068\u3057\u3066\u306f\u660e\u89e3\u3067\u3059\u304c\u3001<a href=\"https:\/\/faculty.fuqua.duke.edu\/~charvey\/Teaching\/BA453_2005\/Campbell_Viceira.pdf\" target=\"_blank\" rel=\"noopener\">\u6b63\u78ba\u306b\u306f\u96e3\u89e3\u306a\u5185\u5bb9<\/a>\u3067\u3042\u308b\u3053\u3068\u3082\u624b\u4f1d\u3063\u3066\u304a\u308a\u3001RIA\u3067\u3042\u3063\u3066\u3082\u6b63\u78ba\u306a\u52a9\u8a00\u3092\u3059\u308b\u3053\u3068\u304c\u96e3\u3057\u304b\u3063\u305f\u304b\u3089\u3001\u3068\u3044\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u5275\u696d\u8005\u304c\u7b46\u8005\u306e\u540c\u7d1a\u751f\u3067\u3082\u3042\u308bTotum Wealth\u306f\u3053\u306e\u554f\u984c\u306b\u6311\u3080\u307e\u305f\u4e00\u3064\u306e\u30d9\u30f3\u30c1\u30e3\u30fc\u3001\u3068\u3044\u3046\u5f62\u306b\u306a\u308a\u307e\u3059\u3002\u3046\u307e\u304f\u6280\u8853\u304c\u9069\u7528\u3055\u308c\u308c\u3070\u3001\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u30d2\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u3046\u307e\u304f\u4fdd\u7ba1\u3057\u3064\u3064\u3001\u65b0\u305f\u306a\u8cc7\u7523\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u306e\u6642\u4ee3\u3092\u4f5c\u308b\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u6280\u8853\u306e\u666e\u53ca\u30da\u30fc\u30b9\u304c\u65e9\u3044\u7c73\u56fd\u306e\u91d1\u878d\u7523\u696d\u306b\u304a\u3044\u3066\u6210\u9577\u3092\u9042\u3052\u308b\u3082\u306e\u304b\u3001\u5927\u3044\u306b\u6ce8\u76ee\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2016\u5e74\u306b\u6d3b\u767a\u5316\u304c\u4e88\u60f3\u3055\u308c\u308b\u9818\u57df\u3068\u3057\u3066\u3001\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-3053","post","type-post","status-publish","format-standard","hentry","category-global"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3053","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=3053"}],"version-history":[{"count":12,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3053\/revisions"}],"predecessor-version":[{"id":4923,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3053\/revisions\/4923"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=3053"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=3053"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=3053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}