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Tips for
investing

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Is there anything I should keep in mind when investing for the first time?

The most important thing is to keep going long-term

Some people picture investing as something that requires taking on high risk to earn short-term profit.

Cryptocurrencies and FX trading, for instance, are "speculative" in nature, making it very difficult to keep generating profit and setting a high bar for beginners.

By contrast, the "asset management" style of investing that Shift Kinrix Opt proposes aims to earn returns from a long-term perspective, for goals such as retirement. What matters here is to invest your "surplus funds" — money left over after setting aside living expenses and an emergency reserve — with a long-term outlook of 10 to 30 years.

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Which is better, a lump-sum investment or installment investing?

If in doubt, invest steadily on a regular basis!

If you have extensive financial knowledge and can spot market bottoms, investing a lump sum when prices such as stocks have fallen may offer a higher chance of profit. In reality, though, forecasting the market is extremely difficult unless you are a financial professional.

If you're new to investing, we recommend building up your investment steadily with regular fixed amounts rather than trying to time the market.

You can find a more detailed explanation on the following page.

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When is the best time to start?

To make time work in your favor, "as soon as possible"

People often try to time their entry by thinking "I'll start once the market drops," but pinpointing that moment is difficult for anyone who isn't a financial professional. For beginners, the best time to start investing is simply "as soon as possible."

What matters most in asset management is staying invested for the long haul, so starting early and letting time work in your favor is the key.

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Is it okay if I don't have advanced knowledge?

With Shift Kinrix Opt, no advanced expertise is required

Managing your investments manually involves time-consuming work such as researching and selecting securities and periodically rebalancing your allocation. With Shift Kinrix Opt, all of that is handled automatically, so there's nothing for you to do once your investment is up and running.

Question

Understanding
investment risk

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How can I reduce risk?

Not "concentrated investing" but "diversified investing"

Risk and return are correlated. Stocks, for example, are generally a "high-risk, high-return" asset class — they offer the potential for higher returns but also carry higher risk.

Bank deposits, on the other hand, typically offer lower returns than stocks, but with lower risk as well.

The key to reducing risk while aiming to maximize returns is to invest in a "well-balanced mix" spread across multiple types of assets. Shift Kinrix Opt handles this diversification automatically on your behalf.

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Can I lose money?

Investing long-term can help reduce risk

Because investing "carries risk," losses can of course occur. However, letting time work in your favor and committing to a long-term approach increases the likelihood of reducing that risk.

The chart below shows that, over the past 30 years, investing in global equities for a randomly chosen 1-, 5-, or 10-year period could still have resulted in a negative return if the entry timing was unfavorable. By contrast, taking a longer-term view and investing for 15 years, no matter how bad the entry timing, would never have resulted in a loss of principal, and would have secured a positive return every time.

*This chart was created by Shift Kinrix Opt based on data provided by Bloomberg. Global equities are represented by the MSCI All Country World Index (dividends included, converted to yen, monthly data). While prepared using sources believed to be reliable, no guarantee is made as to the accuracy or completeness of the information.

*Past performance is not indicative or a guarantee of future trends or investment results.

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What happens if Shift Kinrix Opt goes bankrupt?

The assets we hold on your behalf are protected

In accordance with the law, our company keeps client securities and deposited funds under "segregated management," so even in the event that Shift Kinrix Opt were to go bankrupt, all of your assets held with us would, in principle, be returned to you in full.

We are also a member of the Japan Investor Protection Fund. In the unlikely event that a deficiency in segregated management made it difficult to return client assets, the fund would compensate each client up to a maximum of 10,000,000 yen.

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Shift Kinrix Opt

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What is a "robo-advisor"?

A service that proposes and automatically manages your investments

A robo-advisor is generally an asset management service that, based on your answers to a few simple questions, suggests products and an investment approach suited to you. There are two types: "advisory" and "discretionary."

An "advisory" service only proposes an optimal allocation of financial products, leaving the actual purchase up to the client to carry out manually. A "discretionary" service, on the other hand, handles everything on the client's behalf — from deciding the allocation to buying, selling, managing, and rebalancing.

Shift Kinrix Opt falls into the "discretionary" category, but differs significantly from typical robo-advisors in that it is an AI-powered asset management service. For more details, see Features of AI Investing.

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What kinds of assets does Shift Kinrix Opt invest in?

Shift Kinrix Opt primarily invests across a diversified mix of global assets, including stocks and bonds from countries around the world, real estate, and technology-related names with growth potential.

AI analyzes market trends and risk and automatically selects assets at an optimal allocation, so you don't need to do the difficult work of researching securities or diversifying on your own.

The system is designed to invest in a balanced way across a range of regions, including the U.S., Europe, and Asia.

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How are fees charged for Shift Kinrix Opt?

Registration and opening an account are free of charge.

The base usage fee and any applicable service fees are automatically deducted at the end of each month using your registered payment method.

There are no additional management costs or hidden fees, so you can use the service with peace of mind.

Your guide to
smarter investing

Tips for
investing

Understanding
investment risk

More about
Shift Kinrix Opt

Who uses this service?

Investment experience

Used by everyone from seasoned investors to complete beginners.

Gender ratio

Male

Female

Men make up the majority, though the share of women is gradually increasing.

Age distribution

Used by people across a wide range of ages.

Profit/loss status

99.8% of customers who have continued using Shift Kinrix Opt for 1 year or more have achieved a positive return.

Customer voices

Your guide tosmarter investing

Tips forinvesting

Is there anything I should keep in mind when investing for the first time?

Which is better, a lump-sum investment or installment investing?

When is the best time to start?

Is it okay if I don't have advanced knowledge?

Understandinginvestment risk

How can I reduce risk?

Can I lose money?

What happens if Shift Kinrix Opt goes bankrupt?

More aboutShift Kinrix Opt

What is a "robo-advisor"?

What kinds of assets does Shift Kinrix Opt invest in?

How are fees charged for Shift Kinrix Opt?

Who uses this service?

Investment experience

Used by everyone from seasoned investors to complete beginners.

Gender ratio

Male

Female

Men make up the majority, though the share of women is gradually increasing.

Age distribution

Used by people across a wide range of ages.

Profit/loss status

99.8% of customers who have continued using Shift Kinrix Opt for 1 year or more have achieved a positive return.

Customer voices

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Your guide to
smarter investing

Tips for
investing

Understanding
investment risk

More about
Shift Kinrix Opt