Money Fountain - Record of first-time investor

Trust became a topic last fall eMAXIS (Imakushisu).

I certainly have money than to just trust fees, so I really do not know the hidden costs of cheaper STAM did not buy 様子見.

In 2009, emerging stock in STAM, Global Equity, Global has been funded monthly REIT, and many try to validate the new year, the cost of non-trust fees "overwhelmingly" eMAXIS (Imakushisu), less expensive I like, in 2010 decided to set aside all eMAXIS.

Furthermore, STAM for the ETF fund has so far whether the relay switch to eMAXIS is under consideration.
If you planned in the near future ETF relay, considering the benefits of the trust fund reserves until the relay is large 積Mi替Enai better, but basically it 乗Ri換Enai, so not much STAM reserve balances, and leave this place Innovation, even if I do good. And also whether there is reasonably pay tax unrealized gains on Lehman. . . However, the share prices of lately, the expected appreciation of the yuan, but he also wants to buy at ETF.

Investment policy Emaxis , STAM , mutual funds

Foreign securities companies (U.S.) to open an account so that we consider the cost for overseas remittances denominated in US dollars. I have studied abroad and are you familiar stationed abroad, the domestic bank is different and quite environment.

Commissions associated with the remittance is considered generally include the following.

When currency exchange fees

I see an indication that the TTB TTS Toka when banks exchange foreign currency.
When the Japanese yen into dollars, TTS (Telegraphic Transfer Selling rate) banks sell foreign currency to customers (in foreign currency exchange yen) exchange rate is applied and used sometimes reverse the dollar to Japanese yen exchange If you are TTB (Telegraphic Transfer Buying rate) for customers to purchase foreign currency bank (foreign currency exchange yen) exchange rate used will be applied simultaneously.
In exchange fee for this difference in TTS and TTB, USD at commercial banks, etc. • 2 round trip fee will be taken.

International transfer fee

I understand that the transfer fee, foreign remittances are taken very expensive compared to the national commission. 2,500 yen at the Post Bank, Bank of Tokyo-Mitsubishi UFJ 3,500 yen, 4,000 yen Sumitomo Mitsui Banking Corporation, Mizuho Bank, 5,500 yen and 6,000 yen and so on Resona Bank.

Fees 着金

For remittances, the receiving bank (including bank transit) may be taken by a commission of about 10 to $ 20.

For example, USD10, 000 - if you transfer money from the post office addressed to U.S. banks, and

• 1. → $ 100 U.S. Dollar exchange during
• 2. $ 25 transfer fee
• 3. $ 10 fee 着金

In total, will be paid a fee of 12,500 yen-dollar + 10, I understood that the fees are taken quite complicated and expensive than a domestic transaction.

I tried to consider ways to conserve these fees there.
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Compare products and services , investment policy Internet banks , MMF denominated in foreign currencies , foreign securities accounts , remittance

I have invested and are the main investment ETF, slightly spicy take a fee when compared to the Fund buying and selling.
Therefore, considering the savings in brokerage fees, of course, now Matsui and Nomura bought in fees at.
If the companies are making use of free and fee amount if the contract until a certain amount per day.
I have not used, a similar service online Okasan Securities are also available, the promise of up to 400,000 yen per day in total will be used to calculate the three companies can do for free.

Of course I have to apply a large amount of trade, investors buy and hold index with a base sum will buy enough and I think Chimachima.
1306.1348 I have bought in the domestic ETF is now available at less than $ 100 in August 2009, the 30,000 yen level since 1309, to increase the cargo is purchased without a fee.
The holdings are distributed by the same number of stocks is inconvenient because of course, at some extent coherent, for money (cheaper fees when you sell all that is holding the balance) brokers ( SBI Securities or Rakuten Securities of plan) is going to be transferred, also takes issue fee.

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Compare products and services , investment policy ETF , online brokerage , saving method

My production ETF (Exchange Traded Funds) have a central role, ETF trading is when you take charge of every month is not suitable for funding.
Thus, the same index ETF purchase plan (the index) investment trust fund similar to the benchmark index, such as investment trusts, and investment and called to relay the ETF to purchase price when it became coherent.

You can set aside each month and still practice it, and investments to focus on the commission shall not take as much as possible, will take some time, and I think that the investment practices relay reasonable. (I will if I can invest directly in the ETF and buy hundreds of thousands each month)

Relays have been invested, but I have to select the relay as follows slightly different indicators, not much stuck. Low-cost funds are good and mostly flat monthly purchase if possible. Impact on asset class benchmarks by the difference in output would of course have the effect of piling up the minutes in accordance with ETF is funded trusts should become less.

<Update 15, 2009>
Nissei N225 · STAM TOPIX index from the opening 1306 TOPIX-traded funds linked to the relay will stop, we decided to purchase your 1306 monthly.
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Term , investment policy ETF , dollar cost averaging , mutual funds , automatic reserve

Was put together every January and July semiannual investment performance of individual 一応.
I decided that the investment I, when the stock fell after the collapse of Lehman Brothers in the fall of 2008, opened a securities account, ie the stock market that started around March 2009 and started studying the actual investment of some investment was a period of substantial decline. (This would only opportunity a down)
Courage to invest heavily in the course of March began in earnest to purchase but it was turned to May from April, after a time, so of course the stock market is picking up a single All items except for a positive situation.
Yield after the start funding long-term investment and we assume so because it has no meaning, and cost containment efforts in the future investment strategy and further efforts must be found.

Current issues are extremely unbalanced and the portfolio compared to the target asset allocation, rebalancing how you proceed it.
Since I operate a personal allowance money rather than lives, mainly equity and fixed income ratio is very low, and the assets would go to form the North American investment in China, focused index of the euro area, the following ratio are scheduled to be operational by.
Easy to take a risk by not living expenses, which emphasizes the euro to weaken the North American source and the ratio of market capitalization in each region. (Continued trade deficit budget, the value of US U.S. dollars compared to the euro has tied financially because the situation can not maintain the value of the dollar not support buying Japan and other countries are substantially and I even underestimated. China regarding political or fewer children, the intervention continued to maintain a stable yuan, which becomes painful 元高 export industries, country risk can not trust any other economic indicators, despite efficient economic management by the one-party rule for reasons such as education and higher living standards than other countries due to differences · BRIC's cheap labor.)
Originally may also include 401K, currently not included. (The contents of 401K operations are slightly higher proportion of bonds)

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Investment policy ETF , rebalancing , Chinese stocks , mutual funds , financial planning

This month was the replacement of the product mix of the investment trust fund has been studied before, the ETF fell one time purchase. And sold the Fund for the relay.

Trust fund replacement of

Aggregate reserves to cancel Nissei 1306 N225 →

N225 was just beginning to accumulate, I decided to buy a 1306 fund every month having to relay idea. Given that accumulate in a small ETF, it can not buy a fixed amount, in the same number of units purchased and dollar cost will be higher when there are cheaper when some complaints, we decided to skip the hassle of transit.

STB-1306 aggregated to discontinue funding STAM TOPIX index → ​​Open

Nissei N225 is the same reason above.

Relayed to the ETF

→ 1309 Mitsubishi China

Investment is quite different 1309 Mitsubishi including Hong Kong and China Open, and tying it to the relay, China shares.

Other

Purchased together STAM open global REIT Index. Next month will be a reserve.

• Emerging stock indexes opened STAM (relay to VWO)
• STAM open global equity index (relay to VT)
• STAM Global REIT index open (yet under consideration, such as relay to RWO).
• 1306 TOPIX-linked exchange-traded fund
• Mitsubishi UFJ China Open (relay-traded funds linked to the card 50 on the Shanghai Stock Index-1309)
• MMF euros

If you are a funding USDMMF for foreign funds to purchase other ETF.

Investment policy ETF , dollar cost averaging , rebalancing , MMF denominated in foreign currencies , mutual funds

Individual investors looking to buy an index fund would accumulate more.
In one of those people I bought the following investment trust fund products.
MMF is longer than at a certain amount of ETF relays (sold mutual funds, buy ETF) has been.

• STB-STAM TOPIX index open
• STB-stock index opened STAM global
• Emerging stock indexes opened STB-STAM
• Nissei Nikkei 225 Index Fund
• MMF Euro

Nikkei 225 in the previous Nissei automatic credit card debit STAM series is funded only invests TOPIX, MMF and emerging markets equity index and open global equity indices opened the "reserve" Manual has to.
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Investment policy ETF , dollar cost averaging , mutual funds , automatic reserve

At present, turn determines the minimum amount of money each month to operate, ETF Fund and 40%, 40% foreign currency deposits (including normal recurring MMF), and 20 percent of the net regularly, the extra money to fund foreign ETF purchases You are going to ensure over 50% of the MMF cash into foreign currencies.

In uptrend stocks-US there, and some areas are not able to mark to market a complete stress test, and the inherent also with burnt financing for commercial real estate, destabilizing factors are not lost everything are determined not to.
Well regime around that I would have to tone up and going well hidden.

Although the recovery of the real economy feel myself, how to organize and GM, also the last part of the movement beyond one's imagination, such as downgrading of government bonds, 50% overall and has cash.

But investment products, expect the yen to the future and continue to assume the operation of more than 20 years, products have lower trust fees, ETF final 20% North America 30 percent in emerging countries 50% to EUR has to be.
(Domestic equity trusts to relay index under consideration.)

ETF Fund to fund overseas relay Matomattara →

• STB-stock index opened STAM global
• STB-STAM TOPIX index open
• Emerging stock indexes opened STB-STAM
• World Government Bond Index-Mitsubishi UFJ

Entangled a situation where the relays are mainly VGK and VWO VTI.

MMF in foreign currency

Month euro funding, purchased by the Australian dollar exchange rate situation.

Current Issues

A foreign ETF Monex has done in the operating costs in comparison with Monex exchange when the flow of foreign investment brokerage → → ETF funds in overseas bank accounts.

Operational policies

My asset management operations in the entire family with surplus funds are not only personal.
(More investment stance for more information)

That's allowance because you are operating in consumer behavior such as that now can not work out quite the investment funds.

So some "savings" was to impose on yourself.

Increase your lifestyle 変Etakunai so far, that strategy is to somehow try to accumulate savings 捻出 slightly.
But understand that the money would stack up pretty cohesive, it can be quite happy alone.
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Operational policies saving method

And start to study the investment, which many books to read.
And stop at a bookstore, and now meets the eye on economic forecasting and investment magazines Paperback.
When we originally started with some research on how to read the book carefully, books grow on trees would buy now.
However, investment would be important for eating and going to buy a book or magazine to read. (Last month had invested nearly $ 200 investment-related books)

Therefore, information gathering is to persuade oneself that the net principle.
Just then the net is really a place to compensate for inadequate books, that statement would like to use as capital for investment.

Operational policies