THEO is an investment app that uses algorithms designed by professionals and AI to manage assets while minimizing downside risk.

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  • Launch THEO directly from your Dock or taskbar.
  • Work without distractions in a dedicated window, separate from your browser tabs.
  • Manage multiple THEO accounts and switch between them without logging out.

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THEO is for people in Japan who want to build long-term savings through investing without choosing and managing investments themselves. After a short questionnaire about factors such as age and financial assets, it recommends a portfolio and manages it automatically once you open the required securities account and add funds. The portfolio uses a mix of ETFs for international diversification. THEO can rebalance holdings, review the portfolio, and adjust asset allocations as you age. Its AI Assist feature aims to anticipate market downside risk and adjust allocations accordingly. The app lets users check their investment status and asset history. THEO may suit both first-time investors and experienced investors who prefer to delegate portfolio maintenance; investment values can fall, and returns are not guaranteed.

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