#Japan #Osaka #REAL LIFE #DWM+ #Wealth Manager

Introduction

In a notable shift in the financial services landscape, REAL LIFE Co., Ltd., headquartered in Osaka, Japan, is embarking on a new venture by launching its 'REAL LIFE Wealth Manager' service. This initiative utilizes the Digital Wealth Manager+ (DWM+) provided by Smart Plus Co., Ltd., a subsidiary of Finatext Group. Set to debut on June 30, 2025, this service will cater to the growing demands for investment in both Japanese and U.S. stocks.

Background and Objectives

Since its establishment in 2021, REAL LIFE has operated with a clear vision: to transition from a sales agent to a purchasing agent. The company aims to deliver solutions tailored to clients’ needs rather than merely pushing products. This approach aligns with their goal of becoming a value-creating enterprise centered on customer experience. By leveraging their longstanding expertise in life and non-life insurance sectors, REAL LIFE is expanding into the securities sector to meet the diversifying asset management needs of customers.

With changes in the market landscape and the introduction of the new NISA system, there has been a notable increase in demand for diverse financial products. Customers are interested not only in insurance for life planning but also in the avenues of asset formation and management. Moreover, rising long-term interest rates have spurred interest in bond investments, highlighting the need for a comprehensive financial service that bridges the gap between insurance and securities.

In response, REAL LIFE has adopted Smart Plus's DWM+ to provide a holistic financial service that embraces clients throughout their life stages.

Services Offered through REAL LIFE Wealth Manager

1. Active Investment Management Service for Japan and U.S. Stocks - '+Alpha'
- +Alpha Japan: Targeting stocks listed on the prime market, this service aims for performance exceeding the TOPIX index. Investments are focused on companies characterized by high profitability, growth, financial soundness, affordability, and strong performance, implementing quantitative investment decisions to ensure disciplined management.

- +Alpha US: Focusing on the top 2,000 market capitalization stocks in the U.S., this service aspires for an exit performance that surpasses the S&P 500. With strategies tailored for both large-cap and small/mid-cap stocks, investors can choose based on their preferences. The large-cap strategy emphasizes profitability and financial health, while the small/mid-cap strategy leans towards growth and market sensitivity.

2. Bond Trading Services
Responding to customer demands for stable returns as interest rates rise, REAL LIFE will begin offering U.S. dollar-denominated bonds. This service will be intermediated by REAL LIFE, which will handle account openings and transactions, while Smart Plus will manage trading and investment operations.

Significance of Securities Services Provided by an Insurance Broker

The launch of REAL LIFE Wealth Manager positions the company to offer significant value to customers as an insurance broker:

• - Comprehensive Life Stage Support: From insurance that secures life planning to investment strategies for asset formation, the service aims to provide consistent support across the client's entire life plan.
• - Long-Term Trust-Based Proposal Power: Leveraging the trust built with customers over the long term as an insurance broker allows for more tailored asset management strategies that deeply meet their needs.
• - Optimal Proposal Combinations of Insurance and Securities: By effectively balancing defensive (insurance) and aggressive (securities) asset strategies, the service aims to boost clients' asset formation strategies.
• - Specialized Operation Services: The active investment management service '+Alpha' offers sophisticated strategies designed to outpace traditional index investments.

REAL LIFE plans to tap into its strengths as an insurance broker, providing comprehensive financial services that address the real challenges faced by individual clients, ensuring a client-centric approach that remains integral to its mission.

About Digital Wealth Manager+

The DWM+ is a brokerage service platform that allows facilitators and intermediaries to easily and quickly develop their unique brand of securities services. It enables operators to build investment management services incorporating their investment strategies while also offering an active investment management service, '+Alpha,' for both U.S. and Japan stocks, as well as features for carefully selected mutual funds and bonds. This platform can be customized to suit each operator's unique needs, facilitating a rapid rollout of services post-contractual agreement.

For detailed information on DWM+, visit: DWM+ Details

Conclusion

Through this novel financial initiative, REAL LIFE is pushing the boundaries of what insurance brokers can offer, integrating asset management services that align with modern consumer needs. By combining expertise in insurance with innovative investment strategies, REAL LIFE is poised to lead the way in comprehensive financial planning in Japan.