PURPOSE: A retargeting operation method and system thereof are provided to offer one-on-one service by determining target earnings according to each client. CONSTITUTION: A customer deposit management unit(100) receives funds from a client. An accumulation establishment unit(110) stores and establishes automatic accumulation periods. A target earning establishment unit(120) stores and establishes target earnings. A buying processing unit(130) purchases fund products by receiving a buying fund from the customer deposit management unit.