JP2001265930A - Definite contributory pension service system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a definite contributory pension service system capable of completing working about a series of company type definite contributory pensions including the providing of investment product information, the selection of investment amount, an investment instruction, the checking of a progress situation, information collection and investment education. SOLUTION: This system can operate a learning function for making knowledge about the definite contributory pension be learned from a user terminal through a network and a simulation function for simulating an effect by the definite contributory pension, and the server of an administration mechanism of operations can operate an operation product presenting function as an operation office function, an investment instruction accumulating function, a product ordering function, an operation profit distributing function individually distributing an operation profit in each different product, an operation situation display function, the operation product change of a purchased asset, an instruction function instructing selling and an information display function displaying the information providing of the operation product.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a defined contribution pension service system for performing a series of operations relating to a defined contribution pension, such as information on investment products, selection of an investment amount, investment instructions, progress status check, and information collection. Things. More specifically, on the homepage via a network such as the Internet or an intranet, information on investment products, selection of investment amounts, investment instructions, progress checks, collection of information, etc. are used to perform a series of tasks related to defined contribution pensions. It relates to a defined contribution pension service system.

[0002]

2. Description of the Related Art In a defined contribution pension plan, income deductions are allowed for the amount of contributions, and tax exemptions are also provided for the investment profits, which makes it possible to manage the investment significantly more than ordinary investment It is. For this reason, it is an attractive system for salaried workers to achieve their retirement life plan. The defined contribution pension scheme has been outlined and the significance of its use.

[0003] The defined contribution pension can be roughly classified into a corporate pension and an individual pension. As shown in FIG. 2, the corporate pension is intended for employees under the age of 60 who belong to the company, and when the employee makes a defined contribution pension, he or she issues investment instructions individually to the management organization through the company to which the employee belongs.
The operation management organization that has received the investment instruction collects the investment instructions and issues the investment instruction to the asset management organization. Then, the asset management institution that receives the investment instruction has a mechanism for performing the actual operation based on the investment instruction.

[0004] Also, as shown in FIG.
It is not covered by sole proprietors under the age of 1 (the first insured), the Employees' Pension Fund, or eligible retirement benefits under the age of 60.
In addition, employees of companies not covered by corporate pensions (second insured persons) are eligible. The former receives the consent of the National Pension Fund Federation, and the latter, through the National Pension Federation through the employer to which it belongs, gives individual investment instructions to the management organization. After that, as in the case of the corporate pension, the operation management organization that has received the investment instruction collects the investment instructions and issues the investment instruction to the asset management organization. Then, the asset management institution that receives the investment instruction has a mechanism for performing the actual operation based on the investment instruction.

[0005] As shown in FIGS. 2 and 3, the operation management organization that receives the investment instruction from the user tallies the investment instruction for each individual for each product, and based on this totalization, the asset management company provides the product to the asset management company. The first operation and management business, such as the ordering of the products, the operation of allocating the profits of the managed products to individuals, and the second operation and management, such as the presentation of the operation method and the provision of information on the operation method I have.

[0006]

[Problems to be Solved by the Invention] When such a defined contribution pension system is used, the tax effect of using this system has been generally explained. It was not easily presented and was not linked to existing retirement and pension plans. For this reason, the user is confused in determining whether to use the defined contribution pension. In addition, enormous expenses are invested in the operation and management of defined contribution pensions, and it must be borne by companies and subscribers. It is highly likely that companies and subscribers will have to pay for these costs, which will be an obstacle to promoting and promoting the use of defined contribution pension plans.

[0007] The present invention has been made in view of the above-mentioned circumstances, and its purpose is to apply the tax effect of using a defined contribution pension system to individual users, and to clarify the merits thereof. The purpose of utilizing defined contribution pensions is to enhance life after retirement, such as creating a life plan, calculating the amount of investment, predicting life after retirement, and checking risk acceptance. Need to understand in the flow of investment with optimal asset allocation, and comprehensively utilize all other retirement and pension plans, mainly defined contribution pension plans, for asset formation for retirement life And to provide a system that can simulate the operation of post-tax funds. Another object of the present invention is to provide a system capable of simplifying various operations of an operation management organization, and in particular, uses from simulation to operation product instruction and operation result inquiry in a series of flows. It is to provide a system that can do it.

[0008]

In order to achieve the above object, the present invention provides a server of an asset management organization, a server of an operation management organization that can access the server of the asset management organization via a line, and A server of one or more companies accessible by a line, a terminal of one or more users belonging to the company accessible to the server of the company, and a terminal of an individual user accessible to a server of an operation management organization Provide a corporate-type defined contribution pension service system consisting of a network including:

The system has means for providing a learning function for allowing a user to learn knowledge about a defined contribution pension and a simulation function for simulating the effect of the defined contribution pension. On the basis of this, the user issues an investment instruction to a company server or an operation management institution server.

The server of the company or the server of an operation management organization stores and manages personal information of the user, operation information including each operation product and each operation amount instructed by the user, and manages and manages the operation information. It has an operation information management function to send investment instructions to the institution's server, manages investment instructions from users, organizes user's investment instructions, and issues investment instructions to the operation management institution's server. Has become.

[0011] The server of the management organization presents an operation product presentation function for presenting the operation product for each company and displaying the presented operation product on the operation display function, and a user receiving an investment instruction instructed by the company server. Separately, an investment order aggregation function that aggregates investment instructions by product for each product on a company or user basis, a product ordering function for ordering to an asset management organization based on investment instructions aggregated by the investment instruction aggregation function, Function to distribute investment profits by product and individual based on the results of investment management, to display the operation status in comparison to the initial plan, to display the operation status, to change the investment products of purchased assets, and to sell It has a record keeping function including an instructing function for instructing and an information displaying function for displaying information provision of operational products provided by the operating company. Further, the allocated operation result is transmitted to the user via the server of the company or an operation management organization. With this configuration, the work related to the defined contribution pension, that is, from simulation to operation product instruction and operation result inquiry can be used in a series of flows via a network, preferably the Internet.

[0012]

Embodiments of the present invention will be described below in detail with reference to the accompanying drawings. FIG. 1 is a schematic diagram showing a network system of the present invention, FIG. 2 is a flowchart showing a flow of a corporate pension, FIG. 3 is a flowchart showing a flow of an individual pension, and FIG. It is the schematic which shows the defined contribution pension simulation function in invention.

As shown in FIG. 1, the defined contribution pension service system according to the present invention includes terminals for users A, B, C, etc., servers for companies A, B, etc., servers for operation management organization, servers for asset management organization, etc. Mainly consisting of In addition, a learning function for learning the knowledge about the defined contribution pension described later is provided in the server of each company A and B for the users A and B belonging to the company and the server of the management organization for the individual user C. , A homepage with a simulation function to simulate the effects of defined contribution pensions, an information display function to display the details of investment products on the user's terminal, and a selection function to select the displayed investment products Has been established.

[0014] After deciding an operation policy by a simulation function or the like described later using a user terminal, the user sends an investment instruction to a company server (user A) via a homepage.
In the case of (1), the investment instruction is issued to the server of the company A, the server of the company B for the user B) or the server of the operation management organization (for the individual user C). In the server of the company, investment instructions from each user are managed and compiled, and for each investment instruction from each user or when a certain amount of investment instructions of users are collected (for example, on a weekly basis), Is sent to the server of the management organization. Note that this step is omitted in the investment instruction from the individual user C, and is directly performed on the server of the operation management organization.

In this manner, the server of the management organization to which the investment instructions from each user have been transmitted collects the investment instructions for each product, and transmits the result of the aggregation to the server of the asset management organization. The server of the asset management organization places an order for the product to an investment company that sells the actual investment product based on the result of the aggregation. The management company operates the product based on the investment instruction, and transmits the operation result to the server of the operation management organization via the server of the asset management organization. The server of the operation management organization compiles the operation results for each product and individual, distributes the results for each individual, and directly (for users A and B belonging to the enterprise) or directly (for individual users) through the server of the enterprise. C), it is a mechanism for transmitting to the user.

In the defined contribution pension service system according to the present invention, the user can learn the defined contribution pension and its related knowledge through the learning function. This learning function is preferably set up on a homepage, or may be stored as a program on a medium such as a CD-ROM. General knowledge is displayed in a “FAQ” menu format on a homepage or a program. For more specialized or individual contents that cannot be resolved by the "FAQ", for example, by using the menu of "listen to an expert" on the homepage, by e-mail or the like of an expert or a specialized department of a financial institution. It is preferable to have a configuration for question and answer.

In the defined contribution pension service system according to the present invention, the user can perform various simulations of the defined contribution pension by a simulation function. This simulation function includes (1) a defined contribution pension effect presentation means 10 for presenting the tax effect of the defined contribution pension for each user, and (2) an income and expenditure up to retirement, which can be used for post-retirement preparation. Life plan creation means 20 for obtaining the possible amount, (3) necessary retirement reserve amount calculating means 30 for calculating and displaying the required retirement reserve amount and the target rate of return, and (4) the judgment of the risk acceptance level and the result of the judgment It comprises investment support means 40 for creating an optimal asset allocation based on the selected product. Like the learning function, the simulation function is preferably set up on a homepage from the viewpoint that it can be operated online, or if it is desirable to operate offline when performing a simulation, a program such as a CD-ROM is used. May be stored in the medium.

Hereinafter, these simulation functions will be described in more detail with reference to FIG. FIG. 4 shows an example of the configuration of the simulation means in the present invention, and the present invention is not limited to these. The defined contribution pension effect presenting means 10 is a net obtained by subtracting the income tax amount from the planned contribution amount based on the input personal attribute data, the planned contribution amount to the defined contribution pension, and the expected operating interest rate of the defined contribution pension. Cumulative contributions for each year up to the retirement year, accumulated income tax deductions for the expected contributions entered for each year up to the retirement year, and return on investment income according to the expected contributions and expected investment interest Calculate the cumulative total of the tax-exempt amount for each year up to the retirement year, and the cumulative total of the retirement reserve obtained from the management of defined contribution pensions, including the income deduction and tax-exempt amount, for each year until the retirement year. And a function for visually displaying the calculated result in a table, a graph, or the like.

The personal attribute data includes the current age of the user of the defined contribution pension, the expected retirement age, the current salary income, the expected salary increase rate, the age of the user's spouse, the current income and For example, the current age of the user's children and the like can be mentioned. For example, it is preferable that a part or all of the information is input to the server of the company A to which the user A belongs. In addition, the positive effect ratio, which indicates the positive effect of using the defined contribution pension for the real investment rate of return on net contribution and the rate of return on tax after investment, may be calculated and displayed. Good.

The life plan creation means 20 inputs the user's family structure, the age of the person and spouse, income from tax reduction, longevity estimation, monthly living expenses, current savings, other assets, borrowed money balance, remaining repayment period, etc. Then, by calculating the balance until retirement, the investable amount that can be used for retirement preparation is obtained. In addition, it may be configured such that income and expenditure, breakdown of expenditure, transition of excess and deficiency, assets and liabilities are respectively displayed in a graph, and a balance calculation table, an asset and liability table and the like are displayed in a table.
In addition, it is preferable that the education plan tool 21 and the mortgage tool 22 are provided in order for the life plan creation means to calculate in detail the education expenses and the mortgage loans, which are particularly important in the amount of expenditure.

The education plan tool 21 has a function of calculating a necessary education cost by inputting, for example, the age of a child, the period of enrollment, an education policy, and the like, and displaying it in a table, a graph, or both. Further, the mortgage tool 22 includes, for example, the age and sex of the subscriber and spouse, the occupation, the amount of home purchase, the amount of borrowing, the repayment period, the type of interest, the spouse's income and expenditure and whether or not the spouse is allocated, the subscriber's identity and spouse It has a function of calculating the repayment burden ratio, income and expenditure, breakdown of expenditure, assets and borrowing by inputting the monthly income of the user, and displaying the graph and the like.

The retirement necessary reserve calculation means 30 is a means for calculating an investment target amount corresponding to a life plan after retirement, and includes a user's retirement age, a monthly target necessary amount after retirement,
It has a function to calculate and display the required retirement reserve based on data such as the desired plan years, future inflation rates, required nursing care costs, public pensions, retirement allowances, and private pensions. The required retirement reserve is calculated by subtracting the public pension, private pension, and retirement allowance from the desired living expenses according to the desired years of life, taking into account inflation, adding necessary nursing expenses, and other Public pension savings, which are public retirement benefits, the National Pension Fund,
Calculate by subtracting the small business mutual aid pension.

In order to calculate the public pension and the public retirement allowance, the necessary retirement amount calculation means 30 includes a public pension calculation tool 31, a property pension savings calculation tool 32, and a national pension fund calculation tool 33. And small business mutual aid calculation tool 3
Preferably, four or the like are provided.

The public pension calculation tool 31 inputs, for example, the date of birth of the subscriber, the type of pension, the average monthly remuneration, the sex, the inflation rate, the investment rate, the family structure, and the like, based on the input data. This is a tool for calculating the expected monthly amount of public pensions. The asset-type annuity savings calculation tool 32 is a tool for calculating the monthly amount of the asset-type annuity savings based on the input data, for example, by inputting the date of birth of the subscriber, the date of joining, the premium, and the like. National Pension Fund Calculation Tool 3
Reference numeral 3 denotes a tool for calculating the monthly amount of the National Pension Fund based on the input data, for example, by inputting the date of birth, the date of joining, the type of pension, the number of units, and the like.
The small business mutual aid calculation tool 34 is a tool that calculates the monthly amount of the small business mutual aid based on the input data by inputting, for example, the date of birth, the date of joining, and the premium of the subscriber.

The simulation function is a sum of the planned contribution amount of the defined contribution pension input by the defined contribution pension effect presentation means 10 and the investable amount calculated by the life plan creation means 20, and is used for retirement. It has a function of calculating the rate of return on investment required to reach the required retirement reserve calculated by the required reserve calculation means 30.

Further, based on the planned contribution of the defined contribution pension entered by the defined contribution pension effect means 10, the net contribution amount obtained by subtracting the income tax amount from the planned contribution amount for each year up to the retirement year, Cumulative total of the taxable profit after deducting the 20% separation tax from the investment profit according to the expected contribution amount up to the retirement year, and the income tax deduction for the input expected contribution amount up to the retirement year Management of defined contribution pensions, including the cumulative total for the year, the cumulative amount of tax exemption on investment profit according to the expected contribution amount and the expected investment interest rate for each year up to the retirement year, the income deduction and tax exemption It is preferable to calculate the total of the obtained retirement reserve amount for each year up to the retirement year, and to display the calculation results in a table, a graph, or the like.

Also, based on the investable amount calculated by the life plan creating means 20, each year up to the retirement year of the taxable investment profit, the taxable investable amount and the taxable retirement reserve obtained from the taxable investment profit. It is preferable to calculate the total of minutes and display the calculation results in a table, a graph, or the like.
Furthermore, the final retirement reserve calculated by adding the retirement reserve obtained by using the defined contribution pension and the retirement reserve investment obtained by the post-tax operation for each year up to the retirement year Is preferably calculated, and the results of the calculations are displayed in a table, a graph, or the like.

The investment support means 40, based on the judgment result of the risk acceptance level judgment and the selected product, in order to achieve the calculated retirement target reserve amount and the target investment rate,
It has a function to create an optimal asset allocation and display it in a graph. The investment support means 40
Are a risk acceptance level determination tool 41 for determining a user's risk acceptance level and a model portfolio creation tool 42 for creating an optimal asset allocation
have.

The risk acceptance level judgment tool 41 combines individual survey data obtained from surveys of figures with different viewpoints, so that individual users differing in personality, investment experience, income and assets, time to achieve the target, life stage, etc. Is a tool that can objectively judge the risk acceptance level of a person over several steps. In addition, the model portfolio creation tool 42 uses a product selected by the user from a plurality of investment products such as savings and deposits, stocks, and long-term bonds and the investment allocation ratio that satisfies the target investment rate based on the risk demand level of the user. Is a tool that creates as an optimal asset allocation and displays it in a graph or the like.

The information display function according to the present invention is a function for displaying information provided by an operation management organization, which will be described later. Based on the information, the user executes a simulation based on the actual investment product, and grasps the operation progress status of the product ordered by the investment. The investment product selection function selects investment products, simulates them, and then actually selects investment products and issues investment instructions. At this time, the investment product type and investment amount are selected using this function. Make investment instructions.

In this way, the company server stores the user belonging to the company in accordance with the various functions, and stores the operation information including the personal information, each operation product ordered by the user, and each operation amount, It has an operation information management function of managing and transmitting investment instructions to the server of the operation management organization. At this time, the investment instruction transmits information to the server of the operation management organization at the same time as the instruction from each user or after a predetermined period such as a weekly unit.

In the case of a personal type pension, the function of this company server is performed by a server of an operation management company. As shown in FIG. 3, in the case of a first insured person such as a sole proprietor, the National Pension Fund Association After the approval of, the investment management is issued by the management company,
Approval of the National Pension Fund Federation through the employer in the case of a second insured person, such as an employee of a company that is not eligible for eligible retirement benefits and is not eligible for a corporate pension Later, the management company issues investment instructions.

[0033] In the defined contribution pension service system of the present invention, the server of the management organization presents an operation product to each company or to an individual, and displays the presented operation product on the operation display function. An investment instruction aggregation function that aggregates investment instructions instructed by the enterprise server or approved by the National Pension Fund Federation by user and investment instructions by product in units of company or sole proprietor, Product ordering function to order from investment company based on investment instructions aggregated by investment instruction aggregation function,
Management profit distribution function for distributing management profits by product and individual based on the management results report from the management company, management status display function for displaying the management status in comparison with the initial plan, management product change of purchased assets The operation management is performed based on a record keeping function including an instruction function for instructing sale and an information display function for displaying information provision of investment products provided by the investment company.

The function for presenting investment products in the present invention presents details of investment products from the investment company. For example, in a company-type defined contribution pension system, each enterprise selects investment products based on the presentation.

The investment instruction totaling function according to the present invention is characterized in that investment instructions instructed from the corporate server or approved by the National Pension Fund Federation are classified by user and investment instructions by product are classified into units such as companies or sole proprietorships. This is a function for counting by product. On the basis of this total, an order for a product is made to the asset management organization (product ordering function). The product ordered to the asset management organization in this way is managed by the corresponding management company.

The operation result of the product operated by the operation company in this way is transmitted to the server of the operation management organization via the asset management organization. In the present invention, the operation is performed based on the report of the operation result. Distribute profits by product and individual (operating profit distribution function). In addition, it displays the operation status display function that displays the actual operation status in comparison with the initial plan, the change function of the purchased asset, the instruction function that instructs the sale, and the information provision of the investment product provided by the management company. It has an information display function. Based on these functions, the server of the operation management organization can perform the first operation management operation and the second operation management operation (FIGS. 2 and 3).
reference).

[0037]

As described above, the defined-contribution pension service system of the present invention has a defined-contribution pension simulation function and a record-keeping function in the network. By using the pension effect display means, it is possible to grasp the tax effect benefits of using the system, and the life plan creation function is used to calculate the income and expenditure until retirement and find the investable amount that can be used for retirement preparation. The required retirement reserve calculation means can calculate and display the required retirement reserve after retirement, and the investment support means can determine the optimal asset allocation based on the result of the risk acceptance level judgment and the selected product. Can be created and displayed. With these functions, users can easily understand the tax effect of using the defined contribution pension system in a concrete and easy-to-understand manner for each individual user.

In addition, it is possible to understand the flow of creating a life plan, calculating an investment noh, predicting life after retirement, checking risk acceptance, and investing with optimal asset allocation. In addition, we define asset formation for life after retirement centered on defined contribution pensions, public pensions, savings on property type pensions, corporate retirement benefits, retirement mutual aid for SMEs, the National Pension Fund,
All retirement and pension plans, such as small-scale retirement mutual aid, can be simulated comprehensively. Further, according to the record keeping function of the present invention, all operations in the operation management organization can be performed via the network.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a network system of the present invention.

FIG. 2 is a flowchart showing a flow of a corporate pension.

FIG. 3 is a flowchart showing a flow of a personal pension.

FIG. 4 is a schematic diagram showing a defined contribution pension simulation function according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF REFERENCE NUMERALS 10 Defined contribution pension effect presentation means 20 Life plan creation means 21 Education plan tool 22 Mortgage loan tool 30 Necessary reserve calculation means 31 Public pension calculation tool 32 Property pension savings calculation tool 33 National pension fund calculation tool 34 Small business mutual aid Calculation tool 40 Investment support means 41 Risk acceptance level judgment tool 42 Model portfolio creation tool

Claims (10)

[Claims] 1. A server of an asset management institution, a server of an operation management institution capable of accessing the server of the asset management institution via a line, a server of one or more companies accessible to the operation management institution by a line, and the company An enterprise-type defined contribution pension investment instruction service system capable of completing a series of operations related to a defined contribution pension constituted by a network including one or more user terminals belonging to the company that can access the server. The system has means for providing a learning function for allowing a user to learn knowledge about the defined contribution pension and a simulation function for simulating the effect of the defined contribution pension, and the server of the company includes Operational information including the personal information of the user belonging to the company, each operation product and each operation amount instructed by the user, It has an operation information management function for storing, managing and transmitting investment instructions to the server of the operation management institution, and the server of the operation management institution presents operation products for each company, and displays the presented operation products. An investment product presentation function to be displayed on the operation display function, an investment instruction aggregation function for totalizing investment instructions instructed by the enterprise server for each user, and an investment instruction for each product for each company, and an investment instruction aggregation function for aggregation by the investment instruction aggregation function. A function to order products to asset management institutions based on investment instructions provided, a function to distribute investment profits by product and individual based on reports of investment results from asset management institutions, An operation status display function to display in contrast, an instruction function to instruct a change or a sale of an investment product of a purchased asset, and an information display device to display information about an investment product provided by an investment company Defined contribution service system characterized in that it has a record-keeping functions including. 2. A server of an asset management organization, a server of an operation management organization that can access the server of the asset management organization via a line, and one or more user terminals that can access the server of the operation management organization. An enterprise-type defined contribution pension service system capable of completing a series of operations related to a defined contribution pension constituted by a network, wherein the system has a learning function for learning knowledge about the defined contribution pension and an effect of the defined contribution pension. Has a means for providing a simulation function for simulating the operation management server, the server of the operation management organization, the personal information of the user, operation information including each operation product and each operation amount ordered by the user Having an operation information management function of storing, managing and transmitting investment instructions to the server of the operation management institution, The server of the operation management organization presents the operation product, displays the operation product on the operation display function, the operation product presentation function, the investment instruction instructed by the user, and the investment instruction by product in the user unit. An investment instruction aggregation function that aggregates separately, a product ordering function that places an order with an asset management organization based on the investment instructions aggregated by the investment instruction aggregation function, and an investment profit by product based on a report of the investment result from the asset management organization. Management profit distribution function for distributing investment by individuals, operation status display function for displaying the operation status in comparison to the initial plan, change of investment products for purchased assets, instruction function for instructing sale, and management products provided by the management company A defined contribution pension service system having a record keeping function including an information display function of displaying information provision. 3. A server of an asset management institution, a server of an operation management institution capable of accessing the server of the asset management institution via a line, a server of one or more companies accessible by a line to the operation management institution, and a server of the company. Completed a series of work related to defined contribution pensions, which consist of a network including one or more user terminals belonging to the company that can access the server and individual user terminals that can access the server of the operation management organization A possible enterprise-type defined contribution pension service system, wherein the system provides a learning function for allowing a user to learn knowledge about the defined contribution pension and a simulation function for simulating the effect of the defined contribution pension. Has,
The server of the company or the server of the operation management organization stores and manages personal information of the user, operation information including each operation product and each operation amount instructed by the user, and invests in the server of the operation management organization. An operation product having an operation information management function of transmitting an instruction, wherein the server of the operation management organization presents the operation product for each company or to an individual and displays the presented operation product on the operation display function. A presentation function, an investment instruction totaling function for totalizing investment instructions directed from the enterprise server or the server of the operation management institution by user, and an investment instruction by product in enterprise or user units by product, and the investment instruction aggregation function. Product ordering function to place orders to asset management institutions based on the aggregated investment instructions, and distribution of investment profits by product and individual based on reports of investment results from asset management institutions It displays the utility distribution function, the operation status display function that displays the operation status in comparison with the initial plan, the change function of purchased assets, the instruction function that instructs the sale, and the provision of information on investment products provided by the management company. A defined contribution pension service system characterized by having a record keeping function including an information display function. 4. A learning function for learning knowledge on the defined contribution pension and a simulation function for simulating an effect of the defined contribution pension are provided by a homepage installed on any of the servers. The defined contribution pension service system according to any one of claims 1 to 3, characterized in that: 5. The simulation function according to claim 1, wherein said simulation function includes a defined contribution pension effect presenting means, a life plan creating means, a necessary reserve after retirement calculating means, and an investment support means. A defined contribution pension service system according to claim 4. 6. The defined contribution pension according to claim 5, wherein said life plan creating means includes an education plan tool for calculating an education cost and a mortgage tool for calculating a mortgage. Service system. 7. The retirement necessary reserve calculation means includes a public pension calculation tool, a property pension savings calculation tool, a national pension fund calculation tool, and a small business mutual aid calculation tool. A defined contribution pension service system according to claim 5 or claim 6. 8. A learning function for learning knowledge on the defined contribution pension and a simulation function for simulating an effect of the defined contribution pension are provided by a program uploaded on a homepage or a medium storable in a terminal. 2. The method according to claim 1, wherein
8. The defined contribution pension service system according to claim 7. 9. The defined contribution pension service system according to claim 1, wherein the network system is the Internet. 10. The determination according to claim 9, wherein the learning function for learning the knowledge about the defined contribution pension is performed by e-mail to a specialist having knowledge about the defined contribution pension. Contribution pension service system.