(University of Michigan Consumer Sentiment Index) University of Michigan index of consumer confidence index and in the Survey Research Center at the University of Michigan survey have been published, is the consumer confidence index was over.
Is calculated as an index of 100 in 1964, preliminary estimates for the previous month, the final value will be announced on Friday on the last Friday of each in the second or third.
The numbers tend to come out with strong University of Michigan consumer confidence index, personal consumption will increase the savings rate is reduced.
Characteristic for the survey of 5,000 people (300 people breaking version) is a large shake it for a small number of index and surveyed 500 people index of consumer confidence U.S. industry committee (Conference Board) is announced.
Where to get information , terminology index
My operation (exchange-traded fund) ETF has become a central, ETF takes a commission when the sale of each month to reserve is not suitable.
Therefore, investment called relay when you purchase your ETF fund investment trusts such as trusts similar to the benchmark index (index) index the same as the ETF to be purchased, the amount was coherent.
To be a habit that set aside each month, an investment destination and emphasize that you shall not take a commission as possible, it takes quite a bit of work will take still, I think it of investing relay is way operation reasonable. (I will purchase ETF is good if you can direct investment and hundreds of thousands every month)
But I have selected the relay relay investment I have done some indicators are different as described below, have not stuck too. You are good if you can buy roughly flat monthly, low-cost funds. Impact on the asset class would, of course, but by the difference in benchmarks, should the impact of investment trusts minute reserve is piling up that will become less in accordance with ETF.
<Update 2009/08/15>
Nissei N225 · STAM TOPIX index from open -linked exchange-traded fund 1306 TOPIX I decided to relay to be discontinued, 1306 to purchase directly every month.
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Term , investment policy ETF , dollar-cost averaging , investment trusts , automatic reserve
Of MMF (MMF foreign currency) by foreign investment trust company, investment trust product is a public corporation to be operated in a foreign currency stands for foreign currency-denominated Money Market Fund MMF.
As with MMF yen, to be operated in such bonds and highly rated commercial paper, high safety and stability, is also high interest rates compared with foreign currency deposits. Feature (the amount retained even if the trust property is not required in less than 30 days cancellation yen Unlike MMF) is can be redeemed at any time as foreign currency savings.
Will be automatically reinvested dividend is paid after the end of the month, has been withholding tax. Loss does not in the middle of the month if you cancel because you have higher interest equivalent to the assessed value.
Has been operational at the time of the appreciation of the yen to buy every month reserve, the Australian dollar to euro in the long-held goal in the current I Monex.
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Comparing products and services , basic investment , term securities online , dollar-cost average method , MMF denominated in foreign currencies , automatic reserve
Earning before use.
Royal road of the savings would.
To salaried workers, but also has the option of payroll deductions, "time deposits reserve" auto products available to anyone you have a bank account, please consider first if you notice the need for savings .
Let's use the "automatic reserve deposits" in banks that are specified in the salary transfer account.
It was not from the beginning to live as the amount you specify on the day the day following the date of the payroll deduction, it is important to set aside.
- Handling destination
- Bank, credit union, JA
- The content of the commodity
- Fixed interest rate products accumulate in the amount specified in the specified date automatic transfer from savings account every month
- How much can be from?
- Generally more than 1,000 yen per 10,000 yen
- Reserve period
- Generally within five years more than 6 months
- Possible withdrawal period
- But possible at any time, if less than the interest rate maturity early withdrawal may apply.
- Merit
- Reserve base. Summary features and give us together automatically to other products in the specified amount of features such as automatic overdraft is available.
- Demerit
- There is no handling of private banks in net interest due attention to early withdrawal from the convenience and overdrafts. Interest rate is low.
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Comparing products and services , the term
"Nikkei Stock Average" refers to the average share price of 225 stocks chosen from the stocks listed on the First Section of the Tokyo Stock Exchange.
"TOPIX" is the number for all securities issued by dividing the total market capitalization of all stocks listed on TSE First Section of Tokyo Stock Price Index that.
Topics of work is in conjunction with the Nikkei average, more of the Nikkei average percentage of international blue chip stocks is high, and strongly reflects the influence of foreign institutional investors in the investment trust index, if anything.
Term
In asset management and portfolio (Portfolio), it is in any financial products, or to invest in the percentage of how much.
It may also divide such as earning assets assets and stability assets and liquidity, in the ratio due to the classification of investment products, such as deposits and foreign currency deposits, products of domestic bonds, domestic stocks, foreign bonds, foreign stocks to more concrete You may represent.
Term
And the yen carry trade, investment strategy that borrowing money cheap interest rates in Japan, that to make money operating in overseas markets with good yield.
This is not only domestic investors, investor FX, overseas mortgages became popular as well as using more hedge funds and yen-carry trade, investors and many overseas.
(Some estimate the total amount of yen-carry trade hedge funds took advantage of that over 1 trillion yen)
As a result, the currency for all parts of the world, we have created an excessive depreciation of the yen, but not limited to U.S. $ Euro.
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The term hedge fund , the yen carry trade
」と訳されています。 Stands for "Exchange Traded Fund" ETF and has been translated as "exchange-traded fund" in Japanese.
There are a lot of the Index Fund ETF (type of index-linked investment trust) basically, the price of the ETF is linked to such index and the Nikkei average index (TSE) TOPIX.
(Kind there has been an increase in stock prices not only linked, linked domestic currency ETF is also index-linked and commodity-type products such as gold, real estate, such as index-linked.)
And that (trust fees) tends costs during the holding period compared to mutual funds since they usually can diversified investment companies and various countries, there is no time to staring at stock price and, like me, I want to fund a wide range of monthly You say this product is suitable for investors long-term investment.
We operate as the center of the current investment products myself.
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Term ETF , mutual fund
Who can predict the future is not.
Or stocks and bonds go up tomorrow, what you were held by, or is it down without the accurate prediction of anyone. (Investors was successful but some predict will hit it of course)
(Sales will increase and come to affirm absolutely can not be trusted at all.)
Assets are said to be safer to invest in all kinds of assets for diversification of risk there.
Will have invested more often distributed across various financial instruments such as bonds and foreign currency deposits and foreign equity and domestic equity mutual funds.
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Term dollar-cost average method
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