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Start investing in iDeCo, Tsumita NISA, etc.!
iDeCo, what is freshly-picked NISA? ?? So I researched various things and decided to start!
Conclusion " Which securities company or bank should I buy securities? In addition to that, I will report on the actions I actually took regarding the stocks purchased for cards and investment trusts! "
Securities! ?? Do you want to stock?
That being said, there are three things that made me want to start stocks.
1. I got the chance to think about assets in my father's death.
2. When selecting a securities company when conducting iDeCo or Tsumitate NISA, including reviewing banks and credit cards.
3. As I investigated, it became clear that stocks were not gambling.
I searched on YouTube and the Internet, but I am studying on the following three YouTubes.
▼ Freshly-picked Theta (iDeCo, freshly-picked NISA, hometown tax, etc.)
▼ Buffett Taro's investment channel (about investment in general)
I've looked around other than the YouTube videos listed here, but I've seen these three and it was very helpful.
After all, I realized that it is good to take action quickly and to study.
Now, I would like to describe the actions that I have investigated and actually implemented.
First of all, we took the following actions at once!
<Contents of iDeCo and freshly-picked NISA! ＞
▼ How to start iDeCo?
First, decide on a securities company. In addition, you will definitely need a bank linked to a securities company. Since I chose Rakuten Securities + Rakuten Bank, I moved all the deposits of the diversified banks, canceled all unnecessary banks, or made all the deposits 0 yen. Taking this opportunity, I also reviewed the bank accounts of my wife and children.
SBI SECURITIES is also popular, but SBI SECURITIES should choose a different bank.
▼ What is iDeCo?
It is an individual defined contribution pension. This is a tax-saving measure for pensions that cannot be withdrawn until the age of 60. In fact, office workers can save 5,000 to 23,000 yen a month tax-free. When I think about this now, I've come to the point that I can't take it down until I'm 60, but both I and my wife are registering for a full monthly fee of 23,000 yen. Because his wife will receive tax incentives when she decides to work someday.
▼ What are freshly-picked NISA and NISA?
You can save up to 400,000 yen (20 years) for NISA and 1.2 million yen (4 years) for NISA in one year without tax. The point is tax exemption. I invest in a freshly-picked NISA way of investing every day.
▼ What is Junior NISA?
An investment trust that accumulates up to 800,000 yen per year for 5 years without taxation from minors 0 to 18 years old.
I canceled all of my children's insurance for Japan Post Bank and changed to full insurance for 3 children.
All children have changed to Rakuten Securities + Rakuten Bank.
▼ Which securities company did you choose?
I watched various sites and videos in total and decided to make Rakuten Securities! Very convenient to use!
If you really don't want to be optimistic, SBI SECURITIES is second.
▼ Which bank do you recommend?
Rakuten Bank is recommended. You can use points to buy securities. Also, if you do money blitching, Rakuten Bank's interest rate will be 0.1%.
If you start with SBI SECURITIES, you can use any bank, but I will definitely operate it at an online bank.
▼ Which card do you recommend?
Rakuten card or Yahoo card is recommended, and my main is Rakuten card.
SBI SECURITIES is recommended because you can invest in T points with a Yahoo card.
▼ Which mobile company do you recommend?
Currently, I am using Rakuten Mobile. Since it is free for one year, if there is a merit in one year, Rakuten Mobile will be used as it is, and if there is no merit, it will be a different cheap SIM company. Recently, docomo and au are also paying attention because they are reducing prices!
▼ Why did you start iDeCo?
Will live until the age of 60! Because I thought that. However, I have no regrets even if I die before that, and I thought that I could pay 23,000 yen a month.
▼ What brand did you buy at iDeCo?
Rakuten National Equity Index Fund (Rakuten Vanguard Fund (US Equity)). The United States is a global expansion in most countries, and every country charges fees and usage fees for infrastructure and platformers. Including that point, I also chose to use the American platform a lot, including the fact that I am charging and paying fees.
▼ What brand did NISA buy?
emaxis slim US stock (s & p500). I was worried about all country music, but decided on US stocks (s & p500)!
▼ Other
・ For cash, we reduce the ratio of savings and carry out the above iDeCo and Tsumitate NISA, and for the surplus money, we carry out investment trusts in specific accounts.
・ As a result, care must be taken to reduce fees. Since we are planning to make a long-term reserve, we chose a place with low management costs to operate.
that's all
We will continue to study various things and disseminate information in this way.
Thank you!
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Thank you for watching until the end!
I look forward to working with you!
