Wealthnavi
- Company typePrivate
- Founded2015
- HeadquartersTokyo, Japan
- Headcount101–250
- GTM typeB2C
- OfferingSoftware
What Wealthnavi does
WealthNavi Inc. (ウェルスナビ株式会社) is a Tokyo-headquartered, Japanese-licensed Financial Instruments Business Operator (Kanto Local Finance Bureau No. 2884) that operates Japan's largest robo-advisor by assets under management and registered user count. Founded in April 2015, the company built a digital wealth management platform that runs fully automated, algorithm-driven construction and ongoing management of globally diversified ETF portfolios for individual retail investors; customers complete a five-question risk diagnostic, fund accounts from a ¥10,000 minimum, and can set monthly contributions from ¥10,000, after which the algorithm handles product selection, asset allocation, rebalancing, dividend reinvestment, and NISA tax-advantaged account optimization without further user intervention. The proprietary algorithm is documented in a publicly available White Paper, and the platform additionally offers a Long-Term Discount (長期割) volume-based fee reduction and a unified WealthNavi ID single sign-on spanning the core service and ecosystem products.
The company's only revenue stream is a maximum 1.0% annual asset management fee (1.1% tax-inclusive), calculated daily on portfolio market value and collected monthly, with no separate transaction, subscription, or performance fees. Reach is expanded through a multi-channel GTM model: direct-to-consumer via wealthnavi.com and iOS/Android apps (account opening in as few as three minutes), white-label/partner versions distributed through MUFG Bank, SBI Shinsei Net Bank, Sony Bank, and Bank of Yokohama, and an insurance agency offering (FWD Life, Zurich Life, and Dai-ichi Life products). Adjacent products include the Mametas (マメタス) round-up micro-investment app, the Wealth Guide (ウェルスガイド) financial education media platform, and the Dai-ichi Life underwritten Wealth Fixed-term Insurance (ウェルス定期保険) group life product launched in April 2026.
In December 2024, MUFG (Mitsubishi UFJ Financial Group) acquired WealthNavi for approximately $571.4 million (¥85.7 billion), making it a wholly-owned subsidiary; shares were subsequently delisted from the Tokyo Stock Exchange on March 4, 2025. Operating under the MUFG umbrella but retaining the WealthNavi brand, the company reached ¥2 trillion in assets under management as of May 11, 2026 and reported more than 500,000 registered users as of March 31, 2026, while claiming that over 90% of clients using the service for two or more years had positive investment returns. Governance is led by founder/CEO Kazuhisa Shibayama (柴山和久), with CFO Hiroshi Hirose, CTO Tomohide Hoshina, and COO Hideyuki Suto.
Wealthnavi firmographics
Firmographics- Name
- Wealthnavi
- Legal name
- ウェルスナビ株式会社 (WealthNavi Inc.)
- Website
- https://wealthnavi.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Wealthnavi industry classification
Industry- Product category
- Robo-Advisory / Digital Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios) (FSAGAEAA)
- akta.pro secondary industries
- Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF), Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)
Keywords
Where Wealthnavi is headquartered
LocationHeadquarters
- HQ city
- Tokyo
- HQ country
- Japan
- HQ region
- Asia
Offices1 record
Markets served
Wealthnavi business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Asset Management Fee (運用手数料): WealthNavi charges a maximum 1% annual fee on assets under management (excluding cash holdings, tax-inclusive 1.1%). Fees are calculated daily based on the market value of the portfolio and collected monthly in arrears on the first business day of the following month. This is the sole revenue stream. No separate subscription, transaction, or performance fees are charged.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Single tier: maximum 1.0% p.a. on AUM (cash portion excluded, 1.1% including tax) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels9 records
Wealthnavi product offering
Product offeringCore offering
WealthNavi is an automated digital wealth management (robo-advisor) service that builds and manages globally diversified ETF portfolios for Japanese retail investors using a proprietary algorithm. After a 5-question risk diagnostic, the platform automatically handles product selection, asset allocation, ongoing rebalancing, dividend reinvestment, and NISA tax-advantaged account optimization, with a ¥10,000 minimum entry and ¥10,000 monthly contributions. Related offerings include the Mametas round-up micro-investment app, the Wealth Fixed-term group life insurance product, the Wealth Guide financial information media platform, and white-label distribution to Japanese partner banks.
Product overview
WealthNavi is a digital wealth management platform offering a unified suite centered on its proprietary robo-advisor engine. The core product is the WealthNavi automated investment service, which uses a proprietary algorithm to manage diversified ETF portfolios for long-term investors. This core platform is augmented by: the Mametas round-up micro-investment app; integrated NISA management (おまかせNISA) and a long-term discount program (長期割); a suite of insurance products including the proprietary ウェルス定期保険 group life insurance, income protection, and term life offerings; a financial information media platform (ウェルスガイド); and a unified identity system (ウェルスナビ ID) spanning all services. A key partnership integration is the 'WealthNavi for 三菱UFJ銀行' channel, delivered through MUFG following MUFG's acquisition of WealthNavi in December 2024. The company reports 50万 users and over 2 trillion yen in assets under management as of 2026, making it Japan's largest robo-advisor by AUM and user count.
Differentiator
Problem solved
Functional benefit
Brands
- マメタス (Mametas): A round-up investment app that automatically invests spare change from daily purchases using WealthNavi's algorithm.
- ウェルスガイド (Wealth Guide)
Products and services
- WealthNavi Robo-Advisor (ウェルスナビ) Fully automated digital wealth management service (robo-advisor) that constructs and manages diversified ETF portfolios for Japanese retail investors based on a proprietary investment algorithm. Customers complete a 5-question risk diagnostic, fund the account (minimum ¥10,000), and the algorithm handles product selection, automatic rebalancing, dividend reinvestment, and NISA optimization without further intervention. Maximum 1.0% annual AUM fee (1.1% tax-inclusive).
- Omakase NISA (おまかせNISA)
Quantifiable outcome
- Over 90% of clients who have used WealthNavi for 2+ years have achieved positive investment returns (as of March 2026)
- +3 more outcomes
Companies that use Wealthnavi
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Wealthnavi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature4 records
Wealthnavi partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Mitsubishi UFJ NICOS (三菱UFJニコス) / MUFG CardcoreWealthNavi for 三菱UFJ銀行 was launched, integrating MUFG Card payment functionality for automated investment contributions. MUFG Card holders can link their card to WealthNavi and set up automatic investment contributions directly from their card payment activity or balance.
- SBI Shinsei Net Bank (住信SBIネット銀行)coreWhite-label distribution partnership offering WealthNavi's automated investment service to SBI Shinsei Net Bank customers. Bank customers can access WealthNavi's robo-advisor directly through the bank's platform.
- Sony Bank (ソニー銀行)coreWhite-label distribution partnership offering WealthNavi's automated investment service to Sony Bank customers.
- Bank of Yokohama (横浜銀行)coreWhite-label distribution partnership offering WealthNavi's automated investment service to Bank of Yokohama customers.
- FWD Life Insurance (FWD生命)coreWealthNavi acts as a sales agent (募集代理店) for FWD Life Insurance, offering life insurance products including cancer insurance and medical insurance to its customer base. Insurance is positioned as complementary to the core investment service.
- Zurich Life Insurance (チューリッヒ生命)coreWealthNavi acts as a sales agent (募集代理店) for Zurich Life Insurance, offering life and health insurance products to its customer base as part of its financial advisory platform strategy.
- Dai-ichi Life (第一生命)coreWealthNavi offers group life insurance (ウェルス定期保険) with Dai-ichi Life as the underwriter. This is Japan's first group life insurance (団体保険) designed specifically for investment advisory service users, launched in April 2026.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
Wealthnavi competitors and assessment
Company assessmentDirect peers
- Money Design: Japanese robo-advisor operating THEO and SMBC+ (Sumitomo Mitsui Card partnership). Directly competes with WealthNavi in automated ETF portfolio management for Japanese retail investors using a similar AUM-based fee model.
- Matsui Securities: Major Japanese online brokerage with low-cost trading and an expanding investment advisory/managed product suite. Overlaps with WealthNavi in serving self-directed and semi-automated retail investors in Japan.
- SBI Securities: One of Japan's largest online brokerages by accounts and trading volume, part of the broader SBI Group that also operates a neobank. Competes with WealthNavi for retail investment flow and has its own automated investment products.
- Rakuten Securities: Online brokerage arm of Rakuten Group, offering low-cost trading plus robo-advisor style "Rakuten Securities Managed" products. Targets the same Japanese retail investor demographic as WealthNavi with broader product breadth.
- Monex Securities: Japanese online brokerage offering trading, mutual funds, and increasingly discretionary/managed products. Competes with WealthNavi in the Japanese retail wealth management space, including through the MonexCrypto partnership ecosystem.
- Betterment: US-headquartered direct-to-consumer robo-advisor offering automated ETF portfolio management on a similar AUM-fee model. Closest global analog to WealthNavi's retail-focused automated wealth management approach.
- Wealthfront: US direct-to-consumer robo-advisor providing automated portfolio management, tax-loss harvesting, and financial planning. Closest US peer in business model and product structure to WealthNavi.
Broad incumbents
- Nomura Securities: Japan's largest traditional broker with full-service advisory and the Nomura Global Portfolio discretionary product. Broader and more established than WealthNavi but less focused on fully automated retail robo-advice.
- Daiwa Securities: One of Japan's Big Three brokers with extensive retail and institutional wealth management. Competes with WealthNavi indirectly through its full-service advisory and increasingly digital product lines.
Others
- SBI Sumishin Net Bank: Digital bank that partners with WealthNavi for white-label robo-advisor distribution. Also operates its own investment products. Relevant as a partner/competitor hybrid in WealthNavi's bank channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Wealthnavi social profiles
Digital presenceWealthnavi compliance and trust
Trust signalCompliance3 records
Wealthnavi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wealthnavi leadership team
Management profileNumber of profiles
Profiles6 records
Wealthnavi funding detail
Funding detailFunding overview
Funding rounds8 records
Investors22 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wealthnavi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wealthnavi
What does Wealthnavi do?
WealthNavi is an automated digital wealth management (robo-advisor) service that builds and manages globally diversified ETF portfolios for Japanese retail investors using a proprietary algorithm. After a 5-question risk diagnostic, the platform automatically handles product selection, asset allocation, ongoing rebalancing, dividend reinvestment, and NISA tax-advantaged account optimization, with a ¥10,000 minimum entry and ¥10,000 monthly contributions. Related offerings include the Mametas round-up micro-investment app, the Wealth Fixed-term group life insurance product, the Wealth Guide financial information media platform, and white-label distribution to Japanese partner banks.
Is Wealthnavi a public or private company?
Wealthnavi is a private company. It is classified as corporate owned and is currently operating.
When was Wealthnavi founded?
Wealthnavi was founded in 2015. It employs 101 to 250 people.
Where is Wealthnavi based?
Wealthnavi is headquartered in Tokyo, Japan, in the Asia region.
How does Wealthnavi make money?
One revenue line is on record: asset Management Fee (運用手数料).
Who are Wealthnavi's main competitors?
Direct peers on record are Money Design, Matsui Securities, SBI Securities, Rakuten Securities, Monex Securities, Betterment and Wealthfront. Broad incumbents are Nomura Securities and Daiwa Securities. SBI Sumishin Net Bank is listed as an others.
Does Wealthnavi have an API?
No public API is recorded for Wealthnavi.
What industry is Wealthnavi in?
Wealthnavi's product category is Robo-Advisory / Digital Wealth Management. Its primary akta.pro industry code is FSAGAEAA, Direct-to-Consumer Robo-Advisors (Retail Automated Portfolios), with a secondary code of FSAEABAK, Digital/Hybrid Robo-Wealth & Retirement Advisory. Its NAICS code is 523940 and its SIC code is 6282.