The present invention is an asset allocation method performed by a computing means equipped with a robo-advisor including an asset allocation model, a genetic algorithm (GA), a clustering technique, and a sliding window algorithm. Step B1 for determining the weight of assets using the model; Step B2, wherein the asset group filtering unit having a genetic algorithm filters the asset group using the final financial market instability index (FMII); Step B3, wherein the investment weight determining unit of the robo advisor determines the investment weight of each asset group; A step B4 of performing clustering based on volatility of each investment item in the asset group selected by the clustering unit having a clustering algorithm; A step B5 of optimizing portfolio weights with portfolios having genetic algorithms; And a B6 step of finally selecting a clustered group by a final selection unit having a sliding window algorithm.
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