Money Design provides a Robo Advisor service ‘THEO’ in Japan. THEO is a fully automated online-based asset management service and is classified as a “Robo-advisor” in the world of Fin-tech. Unlike the existing financial service, THEO is user-centric web-based service. You can start THEO through smartphone or PC, from minimum amount of 10,000 JPY as monthly savings, and management fee is as low as 1%/annum. By answering questions, THEO will recommend an optimal portfolio from approximately 6,000 global ETFs. Once you start the the service, THEO will automatically construct a diversified portfolio of 30 to 40 ETFs, which consist of stocks, bonds and real assets from all over the world.