The present invention relates to a management system for a fund product including variable insurance, and an AI-based fund and variable insurance management that can maximize the return on a customer''s fund product including a variable insurance product using an AI-based algorithm It''s about the system. According to an aspect of the present invention, there is provided a fund product management system including a user terminal and a fund product management server, the product management server comprising: an information collecting unit for collecting user-related information and market-related information; a portfolio creation unit for creating a recommended portfolio based on the user-related information and market-related information collected by the information collection unit; and an AI-based fund management unit for discovering a portfolio with a high return based on user-related information and market-related information to recommend a portfolio suitable for clients when creating a recommended portfolio.
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