Abstract: A method for generating and validating customized investment portfolios according to an example of the present invention includes (a) a step of receiving an investment idea from a user terminal; (b) a step of selecting an investment product corresponding to the investment idea, and selecting an asset investment ratio distribution method for each investment product to generate the investment portfolio; (c) a step of validating risk and profitability of the investment portfolio in accordance with a past period and predetermined criteria, and providing generation results and validation results of the investment portfolio to the user terminal; and (d) a step of setting the investment portfolio to be exposed to another user terminal connected to the server in accordance with a request of the user terminal.