Record of investing for beginners - Fountain of Money

EMAXIS Trust was a hot topic in the fall of last year (Imakushisu).

I certainly have a sense of deals compared to only trust fees, I did not purchased in the wait and see because you do not know what is really cheaper than STAM hidden costs.

In 2009 have been set aside each month in emerging equity, global equity, global REIT with STAM, and many try to validate the new year, more (Imakushisu) tends eMAXIS "overwhelmingly" the cost of compensation other than trust so like in 2010, I decided to set aside at all eMAXIS.

In addition, STAM has been set aside for the ETF until now whether the relay switch to eMAXIS is under consideration.
Benefits are so large considering the retainage trust property better if ETF relay near future as planned, no transshipment until the relay, basically would not transfer, balance reserve of STAM is not very large, capital be left this I Innovation Can I stomach. And also whether you pay tax in its own way because there are unrealized gains on Lehman. . . However, although there is also falling stock prices and at the place of the Here, in the expected revaluation of the yuan, want to buy the ETF.

Investment policy EMAXIS , STAM , investment trust

Because you open an account (U.S.) foreign securities company, we examined the costs associated with overseas remittances denominated in US dollars. Posted overseas and study abroad experience is familiar, but will, bank transfer and domestic environment is quite different.

Overseas remittance fees and charges associated with the following items will be considered in general.

Currency exchange fees at the time of

I think see an indication that the TTB or TTS when the currency of foreign exchange banks, etc..
When the Japanese yen into dollars, the exchange rate (foreign currency exchange yen) bank (Telegraphic Transfer Selling rate) to sell foreign currency to be used for customers will be applied at TTS, the Japanese Yen Currency dollars to reverse When the exchange rate (foreign currency to exchange into yen) bank (Telegraphic Transfer Buying rate) is used for customers to purchase the foreign currency will be applied at TTB.
Difference in the exchange fee of TTS and TTB this, USD round trip fee of ¥ 2 banks, etc. will be taken in the city.

Overseas remittance fee

Is that the transfer fee, foreign remittance fee will be taken very expensive compared to the country. In the postal savings bank has 3,500 yen 2,500 yen, Bank of Tokyo-Mitsubishi UFJ, Sumitomo Mitsui Banking Corporation 4,000 yen, 5,500 yen and Mizuho Bank, Resona Bank, etc. 6,000 yen.

Chakkin fee

The case of overseas remittance, you may by the receiving bank (including bank relay) is a fee of about 10 to about $ 20 to be taken.

For example,, 000 USD10 - If you transfer money from the post office addressed to the Bank of the United States, the

• A. 10,000 yen when the Japanese Yen Currency U.S. Dollar →
• Two. 2,500 yen fee remittance
• Three. $ 10 fee Chakkin

You can hear that in total, 12,500 yen and U.S. dollars can be paid as a commission +10, quite cumbersome and expensive fees to be taken and compared to the domestic money transfer.

I tried to consider how to save these fees there.
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Comparing products and services , investment policy bank net , MMF denominated in foreign currencies , securities accounts abroad , overseas remittance

I have been the main investment and ETF investments, slightly spicy when it takes charge of buying and selling investment trusts compared to.
Therefore, we consider the saving of trading commissions, of course, currently Matsui Securities and Nomura Securities are purchased at the fees.
If the two companies are taking advantage of the fact that the amount of contract fee will be free one day in the case of up to a certain amount.
I have not used the service of upset Okasan Online Securities also because there will be agreement in the calculation of up to 400,000 yen per day in total can be used over free the three companies.

I think the way to the large amount of buying and selling does not apply of course, the investor base and by-and-hold index would just add it and we'd meet and buy enough.
1306.1348 I have purchased it in the domestic ETF can be purchased at less than 10,000 yen as of August 09, 30,000 yen level since 1309, and pushes is to purchase without incurring a fee.
To retain distributed to several companies stocks the same of course is because it is inconvenient, but we've organized to some extent, securities companies ((commission when you sell all the balance held by cheap that is) for money SBI Securities or Rakuten Securities of is going to be transferred to) plan, also does not take issue fee.

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Comparing products and services , investment policy ETF , securities online , saving method

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

I decided to put together every six months in January and July, the results of its operations for the personal tentatively.
Stock markets means that around March 2009 was Omoita~tsu investment I, when the decline in equity since the collapse of Lehman Brothers in the fall of 2008, opened a brokerage account, and that started the investment actually began to study investing some was the equivalent period fell. (Chance would be falls only this one)
I began to buy in earnest courage to invest heavily at the time of March, so did not but after becoming the April-May, of course, because the time since the stock market is picking up, of course, one plus all circumstances except for the item.
Immediately after the start of yield reserve is so because they do not have the meaning given to assume long-term investment, investment strategy and cost containment efforts in the future it needs to make further efforts.

The current problems are, and the very unbalanced compared to the target portfolio asset allocation, or how the rebalance its advance.
We thought Since my operation pocket money an individual, not a living fund, the ratio Bonds are going to form asset center stock, investment in index with an emphasis on North America and China Euro geographically very low, the ratio of the following are planning to operate in the.
Easy to take the risk, that the emphasis on North America and euro yuan to weaken the ratio of market capitalization from each region because it is not money to live on. The value of US dollar and Can I evaluated substantially low compared to euro is tied financially because the situation continued trade deficit and fiscal (the value of the dollar can not be maintained and do not support the buying countries, including Japan. Although China is country risk with respect to other export industry will be painful continuation of the intervention to maintain political systems and declining birth rate, the depreciation of yuan, and become appreciation, you do not trust some economic indicators, economic management for efficient one-party dictatorship . by reason of education, such as high standard of living compared to other countries of cheap labor by gap · BRIC's)
Originally might should also include 401K, at present are not included. (Contents of the operation of 401K, the ratio of bond is slightly higher)

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Investment policy ETF , rebalancing , China shares , investment trusts , financial planning

This month it was replacing the product mix and investment trusts have been funded from the previous study, the ETF fell one time purchase. Was sold for the relay and investment trusts.

Replacement reserve trusts

To abort the aggregate reserve Nissei 1306 N225 →

N225 was just beginning to reserve, we decided to purchase a monthly reserve 1306 thought the need to relay. Given that set aside a small fee the ETF, because you can not buy the straight-line, to a dollar cost, but there is a complaint some will purchase the number of units of the same even when the cheap even when high, we decided to omit the time of transfer.

To abort the aggregate reserve TOPIX index 1306 Open →-STAM Sumishin

Nissei N225 is the same reason as above.

Relayed to the ETF

China → 1309 Mitsubishi

Mitsubishi also includes Hong Kong and 1309 China Open is quite an investment destination is different, we have enclosed a relay in Chinese stocks.

Other

I purchased together STAM open global REIT index. From next month will be a reserve.

• (Relay to VWO) emerging stock index open STAM
• (Relay to VT) STAM stock index global open
• (Under consideration, such as relay destination undecided RWO) STAM open global REIT index
• 1306 TOPIX-linked exchange-traded fund
• (Relay to exchange-traded fund linked index and 50 on the Shanghai Stock Certificate 1309) UFJ-Mitsubishi China Open
• MMF euro

We also reserve USDMMF as for overseas funds to purchase other ETF.

Investment policy ETF , dollar-cost averaging , rebalancing , MMF denominated in foreign currencies , investment trust

I think individual investors have purchased and set aside a large index fund.
One of them, we have funded the purchase of the following investment trust products, too.
MMF is a non-stages was to some extent the amount of the ETF (the sale of investment trust, purchased a ETF) has been to relay.

• TOPIX index open-STAM Sumishin
• Open global equity index-STAM living trust
• Emerging markets stock index open-STAM Sumishin
• Nissei Nikkei 225 index fund
• MMF euros

Nikkei 225 Nissei in the above-mentioned Mr. withdrawal automatic credit card STAM series, but has invested reserve only TOPIX in, we have to "reserve manual" MMF is the index and open stock emerging index and open global equity.
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Investment policy ETF , dollar-cost averaging , investment trusts , automatic reserve

At present determines the minimum amount of money turned to the operation monthly, and periodic net (including · MMF Periodic usually) foreign currency deposits to, 40% · ETF investment trusts, 20% to 40%, capital surplus as the funds to purchase ETF overseas You are going to ensure over 50% of cash and deposits denominated in foreign currencies into the MMF.

Has been determined, but there is an upward trend strains US, it is also part of stress test is not able to market valuation complete, are inherently also non-stick of financing for commercial real estate, uncertainties and do not lost all.
I would try to go with the keynote Well regime that is raised around a pretty good job at hiding.

Recovery of the real economy but also feel myself, some parts beyond imagination and how to organize the movement of the last of GM, such as the downgrading of government bonds, 50% are with cash and deposits as a whole.

But investment products, assumed to proceed on the assumption that the future depreciation of the yen over 20 years of operation, products of low, ETF final 20 percent in emerging countries in North America to 50% 30% euro reward trust You have to become the.
(Relay destination of domestic stock index investment trusts. Under consideration)

ETF investment trusts to foreign reserve relay → Once organized

• Open global equity index-STAM living trust
• TOPIX index open-STAM Sumishin
• Emerging markets stock index open-STAM Sumishin
• World Government Bond Index Mitsubishi UFJ

Current situation has been entwined to relay to the main VGK and VWO VTI.

MMF denominated in foreign currencies

Situation of foreign exchange purchased by the fund each month, the Australian dollar the euro.

The current issue

The overseas ETF Monex , but have done in, in operational costs compared with Monex exchange and flow of that if you overseas securities investment company → ETF → credited to your bank account abroad.

Investment policy

I do not have asset management operations in the entire family is in surplus funds of the individual only.
(For details, investment stance see)

That is because it operates the allowance, in the consumption behavior of the street until now is not able to afford to subsidize the very operational funds.

So, I decided to impose yourself some "saving".

Big does not want to change your lifestyle until now, is a strategy that attempts to somehow squeeze some savings by stacking.
But, to be a fairly coherent and stacking amount is understood, it can be quite happy just.
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Investment policy saving method

When you start to study the investment, will be to read the various books.
And stop by the bookstore, such as magazines, Shinsho on investment and economic forecasting is now meets the eye.
When you start anything original research is how to read the book carefully, books put away anxious to buy immediately.
However, things will eat up precious capital investment goes to buy a book or magazine you want to read. (Last month fell to invest in investment-related books near 20,000 yen)

Therefore, information gathering is to persuade oneself that the principle that on the net.
Net is only decided to book a place in the supplement inadequate, that minute I would like to take advantage of funds for investment as absolutely.

Investment policy