Promoting wealth management for working families

It is getting more important to build wealth for a comfortable retirement while working in Japan. With the change in Japanese society including the end of the life-time employment and the increase in aging population, a lump-sum retirement bonus and pension system are getting less sustainable.

However, more than half of Japanese household financial assets are concentrated in bank deposits. In addition, many people have no idea what to invest in and no one to talk about wealth management.

With the aim of solving the above mentioned emerging social challenge, we provide “WealthNavi,” a fully-automated end-to-end wealth management service which is accessible to everyone. In order to deliver the best wealth management service for each customer, we have set clear and objective standards on our investment. We disclose these investment standards as well as our investment algorithm in the Whitepaper so that we make our service as transparent as possible.

We also care about responsible investment for our customers. The investment managers of the selected ETFs for our service are Black Rock Inc., The Vanguard Group, Inc., and State Street Global Advisors, and we confirm that all of them are signatories of the UN PRI (Principle for Responsible Investment) as of the end of December 2023.

Enhancing digital accessibilities to financial services

We provide our service “WealthNavi” for busy working families aiming to democratize wealth management by utilizing technology. With an attempt to close digital divides on the usage of financial services, we design our product and service as simple and easy to use as possible.

About half of WealthNavi members are engineers and designers, and we have in-house capability to develop and improve our product. We are striving to develop new functions as well as to improve our product and service continuously for better user experience.

Encouraging financial literacy

Since foundation in 2016, we have been encouraging financial literacy of working families. For instance, we have provided seminars and webinars and sent columns on a variety of financial and wealth management topics.

We offer seminars and webinars for free of charge on such topics as “must-knows before starting wealth management” and ”hints to continue long-term investment.” Anyone can easily join our webinars from anywhere using smartphones and PCs.

Our columns enlighten the importance of long-term investment with a globally diversified portfolio. We also explain about our investment policy as well as ETFs in customers’ portfolios in the columns. In addition, we have an official YouTube channel and provide video contents on wealth management.