â¢ã€ã¿ããŠNISAåè£ãã¡ã³ããã®3
ããã«ã¡ã¯ãæåããã€ã§ãïŒïŒ
Â
æ¥å¹Žããå§ãããã€ã¿ããŠNISAã§ç§ã¯4ã€ã®ãã¡ã³ããåçã«ç©ã¿ç«ãŠãäºãèããŠããŸããä»ãŸã§2ã€ã®ãã¡ã³ããã玹ä»ããŸããã®ã§ãä»åã¯3ã€ç®ã®ãã¡ã³ãã«ãªããŸãã
Â
ãã®ãã¡ã³ããšã¯ã
ãžã£ãžã£ãŒã³ïŒïŒïŒ
Â
ãeMAXIS Slim ç±³åœæ ªåŒ(S&P500)ã
ã³ãŒã03311187â(ãã¡ã³ããªãã¶ã€ã€ãŒã«æ祚ããéã®åèã«ããŠäžãã)
ä¿¡èšå ±é ¬ç0.1728%
äžè±UFJåœéæä¿¡ã§ãïŒïŒïŒ
Â
ååã®æ¥œå€©VTIã«ç¶ãã¢ã¡ãªã«ã«æè³ããå 容ã«ãªããŸããããã®ãã¡ã³ãã¯ã¢ã¡ãªã«ã®äž»èŠäŒæ¥500瀟ã«æè³ãã圢ã«ãªããŸãã
Â
ãã®å倧ãªãæè³å®¶ãŠã©ãŒã¬ã³ã»ããã§ããããããèªåã®å¥¥ãããäžè¬ã®æ¹ãæè³ããããªãããè³ç£ã®90%ãS&P500ã§éçšããªããããšå©èšããã»ã©ãS&P500ã¯æåãªæè³ææšãšåŒã°ããŠããŸãã
Â
ãŸããåèããŠã©ãŒã«è¡ã®ã©ã³ãã ã»ãŠã©ãŒã«ãŒãã§ãããŸãããã®1ããŒãžç®ã§ãããã®ãã¡ã³ããããŒãžã£ãŒãéçšããæè³ä¿¡èšã«æè³ããããããS&P500ã€ã³ããã¯ã¹ã»ãã¡ã³ããè²·ã£ãŠãã£ãšæã£ãŠããæ¹ããã¯ããã«ããçµæãçãããšæžãããŠããã»ã©ã§ãã
Â
ã¢ã¡ãªã«ã®äŒæ¥å šäœã«æè³ããVTIãš500瀟ã«æè³ããSPYã»IVVã»VOOçã®æµ·å€ETFã®éå»ã®ããŒã¿ãæ¯ã¹ãŠã¿ããšãçŸç¶ã§ã¯å€§ããªå·®ã¯ç¡ããšã®äºã§ãã®ã§ãä»åŸã®æ¯èŒã§åããã©ã®ããã«ãªãããèŠãã®ãé¢çœããšæãããããŠæ¥œå€©VTIãšSlimS&P500ã®ã©ã¡ããã«çµãããäž¡æ¹ãç©ã¿ç«ãŠãŠã¿ãããšèããŠããŸãã
Â
ããã§ç§ãã€ã¿ããŠNISAã§4åæ£ããŠç©ã¿ç«ãŠãäºå®ã®ãã¡ã³ãã®ãã¡ã3ã€ãã玹ä»ããäºãã§ããŸãããããããæ®ãæããš1ãã¡ã³ãã§ãããå®ã¯ãã®æåŸã®ãã¡ã³ããç§ãã€ã³ããã¯ã¹ãã¡ã³ããå§ããããšèãããã£ããã§ãããæãå ¥ãããããŸãã®ã§ããã1èšäºãæ°åãã§æžãäžããããšæã£ãŠããŸãã
Â
11æã«å ¥ããã¡ã³ããªãã¶ã€ã€ãŒ2018ã®æ祚ãå§ãŸããŸãããããã«æ祚ããã®ãç®æšã«ããã°ãæžããŠããé¢ã倧ããã®ã§ãããš1èšäºãæžããŠæ祚ã«èšãããšæããŸãã
Â
ãã¡ã³ããªãã¶ã€ã€ãŒ2018ã®æ祚ã¯11æ30æ¥ãŸã§ãä»å¹Žã®9æ30æ¥ãŸã§ã«ããã°ãéèšããæä¿¡ããã¬ãŒã®æ¹ãæ祚ã§ããããã§ããæè³ä¿¡èšã«æè³ããéã¯ãå称ã§ã¯ãªãã³ãŒããå ¥åããããã«ãªã£ãŠããŸããç§ã®èšäºã«ãã³ãŒããèšããŠãããŸãã®ã§ããããããã°åèã«ããŠã¿ãŠãã ããã
Â
ä»åãçŽ äººæè³å®¶ã®èšäºã«ç®ãéããŠããã ããããããšãããããŸããã
ããã§ã¯ããŸãïŒïŒ
â¡ã€ã¿ããŠNISAåè£ãã¡ã³ããã®2
ããã°ãã¯ãæåããã€ã§ã^_^
Â
ç§ã¯æ¥å¹Žãããã€ã¿ããŠNISAãå§ããã®ã§ãããååã®èšäºã§æžããããã«ã4ã€ã®ãã¡ã³ãã«åçã«æè³ããããšèããŠããŸããä»åã¯ãã®ïŒã€ç®ã®ãã¡ã³ããã玹ä»ããŸãïŒïŒ
Â
ãã®ãã¡ã³ãã¯ã
楜倩ã»å šç±³æ ªåŒã€ã³ããã¯ã¹ã»ãã¡ã³ã(é称ã楜倩VTI)ã³ãŒã9I312179
ä¿¡èšå ±é ¬0.1696%(å幎床ã®é ãã³ã¹ããäºæ³ããé«ãã£ãããã§ãããããã§ã¯å²æãããŠé ããŸã)
Â
æè³ä¿¡èšãè²·ãããŠããæ¹ã«ã¯ä»ããå®çªã®ãã¡ã³ãããšæãããŸããã¢ã¡ãªã«å šäœã®æ ªåŒã察象ãšããæµ·å€ETFã§ããVTIã«æè³ããæè³ä¿¡èšã§ã楜倩ãã³ã¬ãŒãã®ååã®äžã§ã1çªå£²ããŠããããã§ãïŒïŒ
Â
ç§ãæ¯æ¥èªãã§åèã«ããŠããããã±ããã®ç±³åœæ ªæè³ãã®äººæ°ããã¬ãŒããã±ããããã以åããæšå¥šãããŠãã倧æ¬åœã®ãã¡ã³ãã§ãïŒïŒïŒ
Â
éå»ãæ¯ãè¿ããšã¢ã¡ãªã«ã®æ ªäŸ¡åžå Žã¯ãªãŒãã³ã·ã§ãã¯çãå€ãã®äžèœãçµéšããŠãããŒã¿ã«ã§ã¯é«å€ãæŽæ°ãç¶ããŠããåãåžå Žã§ããããæè¿ã¯ãããäžã§ãã¢ã¡ãªã«ã«æè³ããŠããã°å€§äžå€«ãšããæèŠãéåå¢ãããããªæ°ãããŸãããã¢ããã«ãã¢ããŸã³ãªã©äžçãããã¯ã©ã¹ã®äŒæ¥ãåãé£ããŠããŸãã®ã§ããã®äººæ°ã¯å åçŽåŸã§ããŸãã
Â
å®éã楜倩VTIã ã1æ¬éäžæè³ãšããèããããããŸããã·ã³ãã«ã§è¯ããšæããŸãããç§ã¯ããã€ãæ°ã«ãªããã¡ã³ããæ¯ã¹ãŠã¿ãããšããèããããããããããŠãã€ã¿ããŠNISAå ã§è€æ°ã®ãã¡ã³ããéžæãæ¯èŒã楜ããã€ããã§ãâª
Â
å幎床ã®é ãã³ã¹ããäºæ³ããé«ãã£ããšããã®ã¯å°ãæ°ãããã§ããããŸã ãŸã æ°ãããã¡ã³ããªã®ã§ãããããã«æåŸ ããŠç©ã¿ç«ãŠãŠãããããšæããŸãâ
Â
ä»åãçŽ äººæè³å®¶ã®æãæç« ãèªãã§é ããããããšãããããŸãããæ®ã2ã€ã®ãã¡ã³ããèšäºã«ã§ããããé 匵ããŸãã®ã§ããã®éãèªãã§é ããã幞ãã§ãã
ããã§ã¯ããŸã^_^
Â
â ã€ã¿ããŠNISAåè£ãã¡ã³ããã®1
ã©ãããæåããã€ã§ã^_^
Â
ç§ã¯2019幎ãããã€ã¿ããŠNISAã«åãæ¿ããã®ã§ãä»ãŸã§ç©ã¿ç«ãŠããã¡ã³ããéžå®ããŠããŸããã
è²ã ãšèããçµæãè€æ°ã®ãã¡ã³ãã«åçã«æè³ããŠããããšããã®ãçŸåšã®èãã§ãã
Â
ä»åã¯ãã®äžã®1ã€ãçºè¡šããããšæããŸãã
ãã®ãã¡ã³ãã¯ã
Â
Â
ãeMAXIS Slimãã©ã³ã¹(8è³ç£åçå)ãã§ãïŒïŒ
Â
eMAXIS  Slimãã©ã³ã¹ã¯ç»åã®ã°ã©ãã«æžãããŠããéããåœå æ ªåŒãå é²åœæ ªåŒãæ°èåœæ ªåŒãåœå åµåžãå é²åœåµåžãæ°èåœåµåžãåœå ãªãŒããå é²åœãªãŒãã®8è³ç£ã«12.5%ãã€åçã«æè³ããæè³ä¿¡èšã§ãã³ãŒãã¯03312175ãä¿¡èšå ±é ¬çã¯0.159% 販売äŒç€Ÿã¯äžè±UFJåœéæä¿¡ã§ãã
Â
ãã©ã³ã¹ãã¡ã³ãã¯åå¿è åãã ãšããåµåžã¯ãããªãã ãšããè³åŠäž¡è«ã®æèŠãè³ã«ãããšæããŸãã
ç§ã¯æ¬²åŒµãã§è²ããªååãæ°ã«ãªã£ãŠããŸãã¿ã€ããªã®ã§ã1床ã«8ã€ã®çš®é¡ãè²·ããŠããŸããã®ãã¡ã³ãã¯ççŽã«ãããªãšæããŸããã
ã€ã¿ããŠNISAã®ã©ã€ã³ãããã«REIT(äžåç£æè³ä¿¡èš)ã¯åäœã§ç¡ãã£ããšæãã®ã§ãåœå REITãšæµ·å€REITãè²·ããŠããŸããšããç¹ãç§ã«ã¯é åçã§ããã
Â
æè³å®¶ãšããŠåèã«ããŠãã人æ°ããã¬ãŒã®ãã²ãã ãããããè«ãšãå°å§ããããã®ãã¡ã³ãã䞻軞ãšããŠãããšæèŠããäºããããç§ãã€ã¿ããŠNISAã§ç©ã¿ç«ãŠãŠãããããšèããŸããã
Â
ãããªæãã§æ®ãã®åè£ãã¡ã³ããã玹ä»ããŠããã€ããã§ãã
èªãã§ããã ããããããšãããããŸããïŒïŒ
ããã§ã¯ããŸã^_^
Â
楜倩åžå Žã§ãè²·ãç©(劻ã®äžçç·š)
ããã°ãã¯ãæåããã€ã§ã^_^
å æ¥ç³ã蟌ã¿ããã楜倩ã«ãŒããå±ããéè¡ã®çšæãæŽã£ãã®ã§ã10幎æ¯ãã«æ¥œå€©ã§è²·ãç©ãããŠã¿ãŸããã
Â
è³Œå ¥ããååã¯åŠ»ã®äžçã§ã(^_^;)
ãã®åã¯ããã£ããµãã©ããwwwww
ãŽã ã䜿ããçŽã§çžãã¿ã€ããããã®ã§èº«äœã«è¯ããšã®ããšã劻ã®èªçæ¥ãã¬ãŒã³ããšããŠ3æè²·ã£ãã®ã§ãã©ããªç©ãªã®ããå±¥ãå¿å°ã¯ã©ããªã®ããææ³ãèãã®ã楜ãã¿ã§ã^_^ç¬ç¬
Â
PS
楜倩蚌åžã®éèšãæžãã ã®ã§ãã¯ã¬ãžããã«ãŒãæãã§ã€ã¿ããŠNISAãå§ããæºåãããããšæããŸãããŸãã¯10æã«ãªã£ãããSBI蚌åžã®ã³ãŒã«ã»ã³ã¿ãŒã«NISAå£åº§ã®åæ¢äŸé Œã®é»è©±ããããã€ããã§ããå°ãæéã§ã¯ãããŸãããæ¥å¹Žããã€ã¿ããŠNISAã§æ¥œå€©ãã€ã³ããã¶ã¯ã¶ã¯è²¯ãããããé 匵ããŸãïŒïŒ
Â
ããã§ã¯ããŸã( ^_^)/~~~
Â
楜倩ã«ãŒãâéè¡â蚌åž
ããã°ãã¯ãæåããã€ã§ã^_^
Â
楜倩蚌åžã§æè³ä¿¡èšè³Œå ¥ãã¯ã¬ãžããã«ãŒãæãã«ãããšãã€ã³ããä»ããšãããã¥ãŒã¹ãèããæãSBI蚌åžãŠãŒã¶ãŒã®ç§ã¯ã矚ãŸãããã©ãã€ã³ããªããã«æããããŠã¯ãããããšæåã¯çé¢ç®ã¶ã£ãŠããŸãã(ïœ_ÂŽ)ã
Â
ãããããã£ã±ãé ã®äžã¯æ¥œå€©ã®äºã§ã¢ã€ã¢ã€ããŠããŸãããèªåã楜倩蚌åžã®å£åº§ãéèšããŠæè³ä¿¡èšãç©ã¿ç«ãŠãŠãã€ã³ããæå¹æŽ»çšããããã©ãè²ã ãšé¢åèããã ããªããšåããŠããŸããΣ(-á· _-á·à¹)
Â
ãããªæã人æ°ããã¬ãŒã§SBIãŠãŒã¶ãŒã®ãããããããããšãã²ãã ããããã楜倩蚌åžå£åº§ã颯çœãšè¯éºã«éèšç³ã蟌ã¿ãè¡ã£ããšããäºãããã°èšäºã§æèŠããŸããããäºäººã«åœ±é¿ãåããç§ãã°ãºã°ãºããŠããå Žåãããªããå£åº§éèšç³ã蟌ã¿ãããïŒïŒãšæŸçœ®ããŠãã楜倩åžå Žã®IDãæ°å¹Žã¶ãã«åŒã£åŒµãåºããŠããŸãã¯æ¥œå€©ã«ãŒãã®ç³ã蟌ã¿ã«ãšãããããŸããáŠ(ò_óË)á€
Â
ç§ã¯VISAãšMASTERã®ã«ãŒãããæã£ãŠããªãã£ãçºãã«ãŒãäŒç€Ÿã¯JCBãéžã³ãŸãããã«ãŒãçµµæã¯ãã¡ãã·ãã€ããšã¹ã¿ãªã©FCãã«ã»ããã®éžæãèŒã£ãçµµæããããªãšæããŸããããFCãã«ã»ããã®ããŽã ãã®çµµæãã·ã³ãã«ã§è¯ãããªãšæããããŽã®æ¹ãéžã³ãŸããã
åŒãèœãšãå£åº§ã®éèæ©é¢éžæãªã©ãå€å°æéã¯ããããŸãããããããªã«èŠããããŠã«ãŒãç³ã蟌ã¿ãå®äºããŸããã
Â
ãããšæ¬¡ã¯ã«ãŒãç³ã蟌ã¿ã®éã®å ¥åäºé ãå ã«ãéè¡ã®å£åº§éèšæç¶ããžã楜倩éè¡ã®ã¢ããªãããŠã³ããŒãããŠãå 蚱蚌ã®åçãéä¿¡ããŠãçãæéã§ç³ã蟌ã¿å®äºã
Â
éè¡ã®å£åº§éèšæç¶ãã®éã«ã蚌åžå£åº§éèšã®ãã§ãã¯æ¬ããã£ãŠãããã®ãã§ãã¯ãå ¥ããŠãããšç³ã蟌ã¿åé ã®ã¡ãŒã«ãå±ããŸãããåŸæ¥ã蚌åžå£åº§ã®IDãèšèŒãããæžé¢ãéµéããŠãããããã§ã(*^Ï^*)
Â
ã¯ã¬ãžããã«ãŒããéè¡ã蚌åžäŒç€Ÿã®æç¶ãããããªã«ã¹ã ãŒãºã«è¡ãããªããŠã楜倩ã¯ã¹ãŽã€ãªããšæ¹ããŠææ¿ããŸãã(*â§ââŠ*)
Â
ä»å¹ŽãŸã§äžè¬NISAã䜿ã£ãŠããŠãæ¥å¹Žããã€ã¿ããŠNISAã«å€æŽããããšã¯ä»¥åãã決ããŠããã®ã§ã楜倩ãæ§ã ãªãµãŒãã¹ãçºè¡šããŠãããã®ã¯è¯ãã¿ã€ãã³ã°ã ã£ããªãšæããŸãâ圡
Â
ããšã¯æ¥œå€©èšŒåžã®å£åº§éèšãåŸ ã¡ã10æã«ãªã£ããSBI蚌åžã®NISAåæ¢æç¶ããè¡ãããšèããŠããŸãã
Â
äžæ©ãèžã¿åºãåæ°ãäžããŠããã人æ°ããã¬ãŒã®ãããããããããšãã²ãã ããããããããšãããããŸãïŒïŒ
ãããŸã§ç§ã®æãæç« ãèªãã§ãã ãã£ãçããããããããšãããããŸãïŒïŒ
æè¬ããŠããŸãïŒïŒ
Â
ããã§ã¯ããŸãâ°(*Ž`*)â¯
ãžã¥ãã¢NISAã§VYM
ããã«ã¡ã¯ãæåããã€ã§ã^_^
Â
å æ¥ããžã¥ãã¢NISAã§ãã³ã¬ãŒã瀟ã®VYMã10æ ªã ãè³Œå ¥ããŸãããVYMã¯ç±³åœé«é åœæ ªåŒã®æµ·å€ETFã§ãå šäžçæ ªåŒETFã®VTãå šç±³æ ªåŒETFã®VTIãšå ±ã«ãã£ãšæ°ã«ãªã£ãŠããŸããã
Â
ãžã¥ãã¢NISAã¯åºæ¬çã«ã€ã³ããã¯ã¹æè³ä¿¡èšãç©ã¿ç«ãŠãŠããããšèããŠããŸãããé åœéããããããããã«å»ºãŠã®å€è²šã§ãããšããäºãåäŸã®æè²ã«ãšã£ãŠããã©ã¹ã«ãªããããããªããšèããVYMã®è³Œå ¥ã«è³ããŸããã
Â
æ¬åœã¯VYMã®æ§æéæãããã€ã¯ããœãããå€ããŠããŸã£ãŠå¯ãããšãè²ã ææ³ãããã®ã§ãããéãããæéã§æç« ãæžããšããã®ã¯ãªããªã倧å€ãªäºã§ãããä»äºã家äºãåè²ãŠãããªããã³ã³ã¹ã¿ã³ãã«ããã°æŽæ°ããŠããæ¹ã¯æ¬åœã«ããããªããšæããŸãã
Â
æè³ãšåãã§ããã°ãç¶ããäºã倧äºããªãšæããŸããã®ã§ãå 容ã¯è»œããªã£ãŠããŸããããããŸããããæã«äœåãã¯æŽæ°ããããªãšæããŸãã
Â
ä»ã®ç®æšã¯ã2018幎ãã¡ã³ããªãã¶ã€ã€ãŒã«æå¹æ祚ãããããšïŒïŒ
ã€ã¯ã¡ã³ã€ã³ããã¯ã¹æ劻家ããããããé 匵ããŸãïŒïŒ
èªãã§ããã ããããããšããããŸã^_^
劻ã®ãã€ã¿ããŠNISAãå€æŽããŸãã
ããã«ã¡ã¯ãæåããã€ã§ãã
ç§ã®åŠ»ã¯ãã¡ã€ãã³ã·ã£ã«ãã©ã³ããŒã®æšªå±±å æããã®ã3000åæè³ç掻ãã«ãªãã£ãŠãã€ã¿ããŠNISAã§ãäžççµæžã€ã³ããã¯ã¹ãã¡ã³ãããæ¯æ3000åãã€ç©ã¿ç«ãŠãŠããã®ã§ãããæ¥æããååãå€æŽããããšã«æ±ºããŸããã
Â
æ°ããç©ã¿ç«ãŠãååã¯ã楜倩ã»ã€ã³ããã¯ã¹ã»ãã©ã³ã¹ã»ãã¡ã³ãïŒæ ªåŒéèŠåïŒãã§ãã
Â
ãã®æè³ä¿¡èšã¯äžçæ ªåŒãšäžçåµåžã«æè³ãããã©ã³ã¹ãã¡ã³ãã§ãäžçæ ªåŒã¯äººæ°ã®æµ·å€ETFã§ããVTãæ¡çšããŠããŸãã
Â
å€æŽã®æ±ºãæã«ãªã£ãã®ã¯ä¿¡èšå ±é ¬ã§ãäžççµæžã€ã³ããã¯ã¹ãã¡ã³ãã®0.54%ã«å¯ŸããŠã楜倩ã€ã³ããã¯ã¹ãã©ã³ã¹ãã¡ã³ãïŒæ ªåŒéèŠåïŒã¯0.2446%ãšããªãæããããç¹ãé åçã§ããã
Â
ãŸããä»ãŸã§ã¯æ ªåŒ50%åµåž50%ã®åçåãéžãã§ããŸãããã幎霢ã30代ååãšããããšãããæ ªåŒãå€ç®ã«ããŠãè¯ããšå€æããä»åã¯æ ªåŒ70%åµåž30%ã®æ ªåŒéèŠåãéžã³ãŸããã(æ ªåŒã®å²åã¯100â幎霢ã®å€ãç®å®ãšèšãããŠãã)
Â
äžççµæžã€ã³ããã¯ã¹ãã¡ã³ãã¯è¯ãååã ãšæããŸãããä¿¡èšå ±é ¬ãé«ããªãšæããŠããã®ã§ãå¯ããæ°æã¡ããããŸããå€æŽã決ããŸããã
Â
ä»ã®ãšããæ3000åã®æè³é¡ã§ãããä¿¡èšå ±é ¬ãæããããšãããã®å ãã£ãšãã©ã¹ã«ãªãã¯ãã ãšæã£ãŠããŸãã
Â
楜倩ã€ã³ããã¯ã¹ãã©ã³ã¹ãã¡ã³ãã¯7æã«çºå£²ãããã°ããã®æ°ååãªã®ã§ãããããã®ååãæ°ã«ãªããŸãããæ«é·ããä»ãåãã§ãããã楜倩æè³é¡§åããã«ã¯é 匵ã£ãŠé ãããã§ã^_^