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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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
Special 10th anniversary as the founding Rakuten Securities' Campaigns of the MMF $ 0.00 foreign currency exchange fee "is performed.
July 31, 2009 from today 2009/06/26 (Fri) 13:50 applicant so minutes from now Rakuten Securities to open an account even if I make enough.
Rakuten Securities Handling MMF foreign currency transactions in the $ 0.00 you can spread your currency exchange when buying all 3.
"Foreign investors want to debut!", "Foreign investors also want to try other than foreign currency deposits", "I want to invest as much as possible and spending less'
You may not take this opportunity to, you will not debut Foreign Investment?
If Rakuten Securities, bonds can be purchased directly overseas and foreign ETF denominated in foreign currency balance of MMF can also be used to keep foreign currency abroad to buy the ETF.
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There is something called generational accounting, the economic gap between the generations in Japan (such as tax pension income inequality) are quantified. More inter-generational imbalance dipped far higher in Japan and 698%, in Japan today can really feel that the inequality between generations occurs, or is this not why more headlines, very questionable We want to.
High proportion of elderly people overwhelmingly vote rate, but young people are overwhelmingly against a determined if the direction of a political election, over many generations younger than you think their burden can improve the way that is no.
Datte supplementary budget funding, workers ultimately pay for future debt Datte ever growing burden and nursing care insurance as well as pensions and health insurance and unemployment insurance. Rather than including the poor themselves, and feel angry that someone in Japan is like that in future I will grow and become sad abandon the people of Japan.
Reference sites
International comparison of generational accounting
/ Generational Accounting Introduction generational accounting
War between the generations - blog Nobuo Ikeda
Youth meeting say things
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Denominated MMF (MMF Currency) MMF is a Mutual Fund Corporation for operating at the foreign exchange investment company by giving due acronym for Money Market Fund.
MMF as well as chloride, so that operations such as the highly rated bonds and commercial paper, security and stability is high, even compared to foreign currency deposits are interest rates. Redeemable at any time as foreign currency savings account (the amount retained in the trust property even if you cancel less than 30 yen is not required unlike MMF) is characterized.
Dividends are paid at the end of each month will be automatically reinvested after tax has been withheld. If you cancel in the middle of the month has a higher loss because the valuation is not equivalent to interest.
Euro funding for the purpose of holding long-term monthly Monex I currently operate at a high yen and buy Australian dollar.
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