株式会社お金のデザイン
5 known investors
Japanese fintech operating the THEO robo-advisor and related discretionary investment, fund and iDeCo services.
Also known as Money Design · Money Design Co., Ltd. · お金のデザイン
Investors · 5
Company profile
researched Aug 2026株式会社お金のデザイン (Money Design Co., Ltd.) is a Tokyo-based financial technology company that provides digital discretionary asset management services. Its core product is THEO, a robo-advisor that proposes and automatically maintains a portfolio matched to each customer's life stage, investing through roughly 30 ETFs that provide exposure to more than 20,000 underlying securities. Portfolios are grouped into three functional sub-portfolios, with 231 possible allocations in total, of which 58 are used in the fully delegated "THEO におまかせ" mode, and allocations are adjusted automatically as customers age.
Alongside the direct-to-consumer THEO service, the company runs THEO+, a white-label version of the service offered jointly with partner financial institutions and corporates, where customers can also accumulate partner loyalty points or airline miles, and MYDC, an iDeCo (defined contribution pension) service that uses investment trusts designed by the same investment team for globally diversified retirement saving. The company also manages its own investment funds, including the Money Design Digital Lending Fund ("貯蓄マックス！"), the Money Design Global Real Assets Fund ("資産の方舟"), the THEO Growth AI Fund and the TT Nuveen Retirement Fund, publishing NAVs, prospectuses and reports for each.
Founding story
The company was founded in August 2013 by 谷家衛 (Mamoru Taniya) and 廣瀬朋由 (Tomoyoshi Hirose), who serve as Chairman (Founder) and Vice Chairman (Co-founder) respectively. Their stated aim is to use financial engineering and technology to shift household money from yen deposits to globally diversified asset management in an era of population decline, aging, yen weakness and inflation.
Business model
The company provides discretionary investment management and investment trust products to retail investors, both directly under the THEO brand and through partner financial institutions and corporates under THEO+, and operates an iDeCo service (MYDC). It also acts as the manager of its own publicly offered funds.
Sources describe asset management and discretionary investment services and a reported consolidated total of assets under management, but do not detail fee structures.
Traction
Consolidated assets under management (THEO and THEO+, fund wrap services including "おまかせ運用" provided to CHEER証券, and investment trusts managed by Money Design and Tokai Tokyo Asset Management) passed JPY 700 billion as of the end of October 2025 and JPY 800 billion as announced in May 2026. Wantedly lists 46 members.
Latest developments
In May 2026 the company announced that total assets under management had surpassed JPY 800 billion. In March 2026 it announced a business alliance with NEC and NEC group company Painter to launch a workplace asset-formation service using THEO, and a financing of undisclosed size. In June 2026 it announced ISO/IEC 27001 certification and separately published a notice and apology regarding a discrepancy in fund net asset value.
▸Full profile — market position, technology, go-to-market, geography, history, risks & controversies
Market position
One of Japan's robo-advisory and digital asset management providers, reporting consolidated assets under management of JPY 700 billion as of end-October 2025 and surpassing JPY 800 billion as announced in May 2026, with a shareholder base that includes NEC, Tokai Tokyo Financial Holdings, Tokai Tokyo Asset Management, TOPPAN Holdings and Sompo Japan Insurance.
The company positions itself on combining financial theory and digital technology to deliver automated, life-stage-based global diversification: broad ETF-based diversification, questionnaire-driven customized portfolios with automatic age-based rebalancing, and a partner-branded version that layers loyalty points and miles onto managed investing.
Technology
The service combines financial engineering with digital technology: an algorithmic robo-advisor determines and rebalances ETF-based portfolios from a short questionnaire, classifies about 30 ETFs into three functional portfolios, and adjusts asset allocation automatically by age. A "NISA adjustment" feature was released in 2025. The company obtained ISO/IEC 27001 certification for its information security management system in June 2026.
Go-to-market
Direct online acquisition for THEO, combined with distribution partnerships and capital tie-ups with financial institutions and corporates — historically including GMO Click Securities, Daiko Clearing Services, Shinsei Bank, SBI Securities and SBI Sumishin Net Bank, SMBC Nikko Securities, and more recently NEC and Painter for a workplace asset-formation service, plus fund distribution via CHEER証券 and Tokai Tokyo Asset Management.
Retail investors, including investment beginners seeking long-term wealth building and people saving for retirement, reached both directly and through partner institutions' customer bases; a 2026 partnership adds workplace-based (職域) asset formation for employees.
Geography
Headquartered in Tokyo, Japan (listed at 中央区新川1-17-21; an earlier listing gives 港区西新橋 in the Hibiya Fort Tower WeWork). The company states it also engages in overseas expansion.
History
Founded in August 2013, the company raised successive rounds of third-party allotment financing from 2015 onward and expanded through partnerships: GMO Click Securities (January 2016), Daiko Clearing Services (April 2016), Shinsei Bank (May 2017), a capital and business alliance with Simplex Holdings including the acquisition of subsidiary Rioshi (May 2017), and SBI Securities and SBI Sumishin Net Bank (July 2017). In January 2021 it agreed with SMBC Nikko Securities to transfer its Type I Financial Instruments Business to SMBC Nikko Securities via a corporate split (absorption-type demerger). In March 2026 it announced a business alliance with NEC and Painter to launch a workplace asset-formation service based on THEO, alongside an undisclosed financing. In April 2026 it noted changes to documents, policies and advertising associated with a transition to the Japan Investment Advisers/asset management industry association, and in June 2026 it reported an ISO/IEC 27001 certification and issued a notice and apology regarding a discrepancy in fund NAV.
Risks & controversies
In June 2026 the company published a notice and apology concerning an error in fund net asset value (基準価額相違). It has also issued warnings about illegal solicitation on social media by parties impersonating the company and its staff.
Compiled by commissioned research from 7 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 14
launches, deals, and filingsDated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 7
primary sources listed
- お金のデザイン – 企業情報、ニュース、おまかせ資産運用のTHEO等のサービス情報、ファンド情報、採用情報等、お金のデザインの公式企業サイトです。money-design.com · web
7 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does 株式会社お金のデザイン do?
- Japanese fintech operating the THEO robo-advisor and related discretionary investment, fund and iDeCo services.
- Who are 株式会社お金のデザイン's investors?
- 株式会社お金のデザイン's investors include Globis Capital Partners, GMO VenturePartners, Shizuoka Capital, Thirdstream Partners, Z Venture Capital.