An easy-to-understand explanation of the "eight questions" that people who have not yet started "Tsumitatate NISA" tend to have! Answers on how to choose financial institutions and investment trusts and how to use them together with "iDeCo"!
Ten months have passed since the start of "Tsumitatate NISA (Nippon Individual Savings Account)". However, even if they are interested in "Tsumitatate NISA", many people still cannot take the first step. This time, let's answer all the questions and anxieties that are often asked by such people before starting "Tsumitatate NISA". [* Click here for questions and anxieties after starting "Tsumitatate NISA"! ] ⇒ Answer the questions that people who made their investment debut with "Tsumitatate NISA" tend to have! Solve problems such as "I want to change investment products and financial institutions!" And "I want to stop funded investment!"
Question (1) I am afraid of losing money and cannot start investing. Is it possible to make an investment that will never lose money with "Tsumitatate NISA"?
Unfortunately, there is no "absolute" investment. In addition, there are no principal-guaranteed products in "Tsumitatate NISA". However, with "Tsumitatate NISA", it is possible to reduce the probability of loss.
If you continue to invest for a long time, even if there is a temporary loss, it is highly likely that it will eventually turn positive. The tax-exempt investment period of "Tsumite NISA" is up to 20 years, so you should take the time to continue investing in reserves until the investment results are positive.
In addition, "Tsumite NISA" is a mechanism to buy a fixed amount of investment trust (or ETF), for example, 10,000 yen every month, so when the price (base price) of the investment trust is high, it is small, and when the price is low, it is large. Become. As a result, you can expect the effect of suppressing the average acquisition price, that is, buying cheaply. This also makes it harder to lose. [* Click here for related articles! ] ⇒ Why is Tsumitate NISA recommended for investment beginners? Since it is a funded investment, it is easy and hard to lose, and the target product is low cost, free of trading fees, and tax saving is also possible!
Furthermore, if you choose a balanced investment trust that makes diversified investments in stocks and bonds, you can reduce the risk compared to a 100% stock investment trust. The higher the proportion of bonds in the balanced type, the smaller the risk (although the return will be lower, see question ③).
Question (2) I am at a loss at a financial institution that starts "Tsumitatate NISA". What is the best financial institution to open an account?
It seems that there are many people who are confused about choosing a financial institution and cannot start "Tsumitatate NISA". Generally, there are three main points in choosing a financial institution to purchase investment products: (1) cost, (2) products handled, and (3) usability. However, there are some differences in the situation with "Tsumitatate NISA". Let's look at each one. [* Click here for related articles! ] ⇒ If you want to start Tsumita NISA (Reserve NISA), the recommended securities company is here! What is the recommended securities company of "Tsumitatate NISA" compared in terms of fees and the number of investment trusts handled?
(1) Cost → Fees such as account management fees are the same everywhere for free!
In general, online brokerage firms have lower fees than banks and face-to-face brokerage firms. However, in the case of "Tsumite NISA", due to the system, there is no transaction fee for any of the products handled, and there is no account management fee. Therefore, there is no difference in cost between financial institutions.
However, with some online securities such as SBI SECURITIES and Rakuten Securities, there is also a service where points are accumulated according to the holding balance and purchase amount of investment trusts, so those who want to emphasize "profitability" may check it. Not available (* Depending on the financial institution, "Tsumite NISA" may not be covered, and some investment trusts may not be covered).
(2) Products handled → There is a wide selection of online securities, and there are few face-to-face securities and banks, making it easy to choose.
The number of investment trusts handled by "Tsumite NISA" is higher for online securities. SBI SECURITIES, Rakuten Securities, Matsui Securities, kabu.com Securities, and Monex Securities, which are said to be major online securities companies, all have a product lineup of more than 130. On the other hand, in most cases, the number of face-to-face securities handled by banks and major companies is very limited to about 3 to 10. If you want to choose from many products, you should open an account with online securities. There is no big difference in the product lineup of "Tsumitatate NISA" among the five major online securities companies.
On the other hand, if you are the first person to invest in "Tsumitatate NISA", you can say that banks and face-to-face securities companies can choose without hesitation because the products are narrowed down. Even if the number of investment trusts handled is small, there should be one domestic investment trust, one overseas index investment trust, and one balanced investment trust, which are the basis of investment, so the minimum selection is possible.
(3) Usability → Automatic accumulation so there is no big difference anywhere
Once you have set up "Tsumitatate NISA", you will be automatically invested in reserves. Although there are some differences in the degree of freedom in setting the accumulation date and the accumulation frequency, it can be said that the usability does not change significantly regardless of which financial institution opens an account. However, if you are a bank that you use regularly for payroll transfers, you can specify the payroll account as a withdrawal account for "Tsumita NISA" as it is, so the starting hurdle may be lower for investment beginners.
In other words, in conclusion, there is not much difference in fees and usability no matter where you open an account, so you should think about the products you handle. One way of thinking is, "If you want to choose your own products, a large online securities company with a wide selection of products" and "If you are uncertain about choosing products, you can buy a limited number of banks or face-to-face securities." [* Click here for related articles! ] ⇒ Explain how to choose a financial institution for "Tsumitatate NISA"! What are the points of different selection methods for investment beginners and experienced people compared in terms of fees, number of products handled, and withdrawal method?
Question ③ I can't start "Tsumitatate NISA" because I don't know which investment trust to buy!
You can buy investment trusts (and ETFs) that invest in domestic and overseas stocks or balanced investment trusts at "Tsumite NISA", but you should choose "index-type investment trusts that diversify into global stocks". I think it's the best.
The original purpose of "Tsumitatate NISA" is to "take the fruits of the growth of the world economy and form assets". Japanese people are familiar with Japanese stocks, but the reality is that Japan's economic growth rate is lower than in the world. Domestic stock-type investment trusts alone lose to overseas stock-type investment trusts in terms of increasing assets.
Also, when comparing the "index type" and the "active type", we recommend the "index type", which has a low operating cost and is easy to understand. Looking at the current "Tsumite NISA" target products (17 active types as of October 12, 2018), I don't think it is necessary to choose the active type.
Among the index-type investment trusts of foreign stocks, choose his type of investing in global stocks or the type of investing in developed country stocks. The former also includes emerging market equities, so you can expect higher returns at the expense of slightly higher risk. The "global stock type" is recommended, but since the financial institutions that handle it are limited to some online securities, the "developed country stock type" may be used if it is not handled. [* Click here for related articles! ] ⇒ In "Tsumitatate NISA", overseas stocks should be mainly accumulated rather than Japanese stocks! Aim for big growth of retirement assets with "overseas stocks" investment trusts whose economic growth rate is about three times that of Japan!
Also, if you want to reduce risk, you should choose the "balanced type" where you make diversified investments by combining stocks and bonds. "Tsumite NISA" has various balanced investment trusts from 2 asset diversification to 8 asset diversification, but 4 asset type that diversifies investment in domestic and foreign stocks and bonds, or 6 asset type including emerging countries is sufficient. .. Even with the same four asset types, the level of risk and return differs depending on the combination ratio of assets, so it is important to choose the type that suits you. However, banks and face-to-face securities may only handle one type of balanced securities, so be sure to check before opening an account. [* Click here for related articles! ] ⇒Introducing the recommended "balanced investment trusts" at Tsumitate NISA! If you choose a balanced investment trust for diversified investment, the "4 index" that invests in domestic and foreign stocks and bonds is sufficient!
Question ④ It would be disadvantageous to start "Tsumitatate NISA" when the market price is in the high range !? Anyway, I would like to start aiming at the time when the stock price goes down ...
Theoretically, if you invest when the stock price drops significantly, the probability of making a profit increases. However, no one knows when the market will go down. In addition, it is difficult to judge how much the stock price will fall when a large stock price depreciation such as the Lehman shock or the China shock occurs.
That is why it makes sense to use "Tsumita NISA", which keeps buying steadily regardless of whether the stock price is high or low. In the first place, "Tsumitatate NISA" can only make a funded investment, so when the market as a whole becomes cheaper, you cannot "spot buy" to buy it together with Don.
As explained in Question (1), investment trust reserves are a mechanism that allows you to buy a fixed amount every month at an average low price, so you do not have to think about the "starting point" by looking at market trends. Don't wait for the stock to go down, you should start as soon as possible. In the end, that's the fastest way to increase your wealth. [* Click here for related articles! ] ⇒ It will be disadvantageous if you save at the end of the month or the beginning of the month with "Tsumitatate NISA" !? Explain how to select the "funding day" to execute the savings investment and how to decide the frequency such as "monthly", "weekly" and "every day"!
Question ⑤ I heard that "iDeCo" has greater tax-saving benefits than "Tsumite NISA". Is there any point in choosing "Tsumite NISA"?
In terms of "tax-saving benefits," "iDeCo" is certainly more "profitable." Both "Tsumite NISA" and "iDeCo" have the same point that all investment profits are tax-exempt, but in the case of "iDeCo", in addition to that, tax savings and money are withdrawn at the "entrance" stage where the premium is fully deducted from income. This is because sometimes you can get the effect of tax saving at the "exit" that you can use "public pension deduction" and "retirement income deduction".
However, you should not decide only on the "profitable feeling" that "iDeCo" is better because it has a large tax-saving effect. Since "iDeCo" is a system aimed at raising funds for old age, you cannot withdraw any accumulated funds until you are 60 years old. To put it the other way around, it is only suitable for "funding for old age". On the other hand, with "Tsumitatate NISA", you can sell and withdraw money whenever you need it.
For example, if you want to prepare for a life event before the age of 60, or if you don't know when and what you need money for at the moment, it's better to choose "Tsumita NISA". Of course, if the purpose of making retirement funds is clear, "iDeCo" is more advantageous. Instead of being fascinated only by the tax-saving effect, let's first clarify the purpose of fund management and then consider which is better. [* Click here for related articles! ] ⇒ What is the final conclusion of "Tsumitatate NISA" VS "iDeCo"? Let's decide not only the advantage of iDeCo's "full income deduction" but also the future "many uncertainties"!
Question ⑥ I am already using "iDeCo". Should I reduce the premium for "iDeCo" and start "Tsumitatate NISA"?
This is also the same idea as question ⑤. If you think "I want to prioritize the preparation of retirement funds above all else", there is no need to reduce "iDeCo", and "I want to prepare not only the retirement funds but also the funds for the life events that come before that". In that case, one method is to reduce "iDeCo" and use "Tsumitatate NISA" together.
As already explained, the bottleneck of "iDeCo" is that you cannot withdraw money until you are 60 years old. Therefore, if you use both "iDeCo" and "Tsumitatate NISA", you can secure the liquidity of funds in case of emergency while making retirement funds.
After carefully considering the purpose of making a funded investment and the timing of using the funds (whether you do not have to withdraw until you are 60 years old), decide whether to use one "iDeCo" or "Tsumitatate NISA". In addition, "iDeCo" and "Tsumitatate NISA" are not the only methods of fund preparation. For example, some people may already have investment trust savings or savings in their taxable accounts. As a "basic", it is also important to secure deposits and savings first. It's a good idea to review your assets, including all of them, and when and what kind of funds you will need. [* Click here for related articles! ] ⇒ "Education funds" can be prepared with "Tsumitatate NISA", and "housing funds" cannot be prepared! Explaining how to make good use of "Tsumitatate NISA" in their 30s and 40s who need some money!
Question ⑦ I am already using the conventional "NISA". Should I move to "Tsumitatate NISA"?
The conventional "NISA (Nippon Individual Savings Account)" has a tax-exempt investment limit of 1.2 million yen per year, which is larger than the annual amount of 400,000 yen for "Tsumite NISA", while the investment period is 5 years, and "Tsumite NISA" It is significantly shorter than the maximum of 20 years. For this reason, the total tax-exempt investment limit is 6 million yen for "NISA" and 8 million yen for "Tsumita NISA", which is larger for "Tsumita NISA". In other words, considering the amount of tax-exempt investment, it is more advantageous to switch to "Tsumitatate NISA".
However, with "Tsumite NISA", you can only invest in investment trusts and ETFs that meet certain conditions set by the Financial Services Agency. Since it is narrowed down to products that are low cost and suitable for long-term funded investment, it can be said to be an advantage in that respect, but if you want to invest in products that can not be bought with "Tsumite NISA" such as individual stocks, bonds and REIT type investment trusts You should choose "NISA", which supports a wide range of products.
As mentioned above, the investment period of the conventional "NISA" is 5 years, but in fact, if there is no revision of the law, the investment period will end in 2023. "NISA" has a "rollover" mechanism that extends the operation period for another 5 years, but this can only be used for investments made by 2018. Therefore, if you are already investing in "NISA", you may continue to use it first, and then start "Tsumitatate NISA" after "NISA" is completed.
Even if you switch from "NISA" to "Tsumitatate NISA", you do not have to rush to sell the assets purchased under "NISA" because you can keep them tax-exempt for 5 years during the tax-exempt period. [* Click here for related articles! ] ⇒ Which should you choose, "Tsumitatate NISA" or the conventional "NISA" when in doubt? What is the difference between the two NISAs that cannot be used together and when is the appropriate transition to "Tsumitatate NISA"?
Question ⑧ I have no savings, but I want to try "Tsumitatate NISA"! Is it okay to start practicing for a small amount such as 1000 yen every month?
I'll say it, but it's definitely not good. You should not start investing with zero savings.
If you start "Tsumitatate NISA" without cash and deposits, and if something unexpected happens and you suddenly need money, you have to sell it on the way to make cash. If it is a bad time in the market, you may incur losses. In order to make a profit by selling at a good time, it is important to start all investments including "Tsumitatate NISA" with cash and deposits firmly secured.
Depending on the financial institution, "Tsumite NISA" can be funded from 100 yen every month, but people with zero deposits and savings should not do it, whether it is 100 yen or 1000 yen. It is a problem as the "basic" and "preparation" of investment.
In the first place, about 1000 yen a month is not a big profit even if it works well, and I think that "practice" is not particularly necessary for funded investment such as "Tsumitatate NISA". For example, if you buy or sell a product that you buy or sell while watching the timing yourself, such as individual stocks, you may need to "practice". At first, I often hear that buying and selling is exciting. On the other hand, once the investment trust reserve is set, the reserve investment is automatically made, so there is no need to practice and get used to it. [* Click here for related articles! ] ⇒ Who is suitable for NISA and who is not? Who should use "Tsumita NISA" rather than "iDeCo" and who should never use "Tsumita NISA"?
The merit of "Tsumitatate NISA" is that you can stop at any time!It is important to start a funded investment without worrying too much
"Tsumite NISA" is a system that allows even beginners to make a profitable investment while gaining tax-exempt benefits. You can also cancel at any time. It is inevitable that people who have never invested will feel anxiety and doubts, but it is "easier to give birth than you think". If you are interested and have a certain amount of cash and deposits, we recommend that you start "Tsumitatate NISA" right away.
Next time, we will answer the anxieties and questions of those who have already started "Tsumitatate NISA", such as "It shouldn't have been like this" and "What should I do in such a case?" [* Click here for related articles! ] ⇒ If you want to start Tsumita NISA (Reserve NISA), the recommended securities company is here! What is the recommended securities company of "Tsumitatate NISA" compared in terms of fees and the number of investment trusts handled? ⇒Simulated how to increase assets and tax saving effect by "Tsumitatate NISA"! Even if it is 10,000 yen every month, the profit will be over 1 million yen and the tax saving amount will be over 400,000 yen depending on the investment destination!
(Composition: Noriko Higo)
Yasuhiko Fukano [Financial Planner] Representative of Financial Research. AFP, 1st grade financial planning technician. He joined an independent FP company in April 1989 after working for a credit company for three years. He became independent in January 1996 and is in his current position. He is familiar with all kinds of money products and has a good reputation for easy-to-understand explanations. His major books include "Your monthly distribution type investment trust is finally dangerous" and "Introduction to Junior NISA" (Diamond).[Updated March 7, 2022] ◆ Recommended online securities for NISA accounts are here! | ||||
| Trading fees | Number of products eligible for NISA that can be purchased | |||
| Investment trust | ETF | Index-type investment trust | Active investment trust | ETF |
| ◆ SBI SECURITIES | ||||
| free | ― | 160 | 18 | ― |
| [Recommended points for SBI SECURITIES'Tsumitatate NISA account] One of the major online securities companies. It handles most of the investment trusts of the products covered by Tsumitate NISA, and the number of investment trusts that can be selected with Tsumitate NISA is 178, which is the largest among securities companies that handle Tsumitate NISA. It is possible to accumulate investment trusts from "100 yen", and it corresponds to those who want to start from a small amount. You can choose not only "monthly reserve" but also "weekly reserve" and "daily reserve", so you can make fine-tuned time-diversified investment. It is advantageous to use the credit card payment "Kureka Reserve" with Sumitomo Mitsui Card. Earn both 0.5% of the payment amount and T points of investment trust mileage. It can also be used to save investment trusts in NISA and NISA deposits. The smartphone app "Easy Savings App" is compatible with his NISA, and investment trusts can be managed with a smartphone. The "Easy Savings App" also suggests recommended funds and amount allocation. The customer service center has a "NISA / Investment Trust Saturday and Sunday Desk" that responds to inquiries even on weekends. | ||||
| [Related Articles] ◆ [What are the benefits of SBI SECURITIES "Tsumitatate NISA" accounts? ] The appeal of SBI SECURITIES is that the number of investment trusts covered by "Tsumite NISA" is 178. ◆ "Where is the recommended online securities for stock beginners and shareholder special treatment beginners?" Mr. Kiritani recommends "Matsui Securities" and "SB Securities"! | ||||
| ◆ Rakuten Securities | ||||
| free | ― | 160 | 20 | ― |
| [Recommended points for Rakuten Securities' Tsumitate NISA accounts] The number of investment trusts handled by Tsumitate NISA is 180, which is the largest among securities companies that handle Tsumitate NISA. Since the minimum purchase amount of investment trusts is "100 yen", you can start NISA from a small amount. Not only "monthly reserve" but also "daily reserve" is possible. In addition to securities accounts, "Rakuten Bank" and other financial institutions, "Rakuten Card" can also be selected for withdrawal of the reserve price. It is also possible to pay the reserve price with "Rakuten points". Furthermore, if the "Rakuten card" is used for credit card payment, "Rakuten points" will be awarded according to the monthly reserve amount. In June 2021, a robo-advisor "Raku-Raku Investment" that supports investment trust funded credit card payments and Rakuten points will be released. With a dedicated balance fund, you can easily use the Robo function at a reasonable price. It can also be used with "Tsumitatate NISA" and "NISA" accounts. | ||||
| [Related Articles] ◆ [What are the benefits of Rakuten Securities "Tsumite NISA" accounts? ] There are abundant 180 investment trusts eligible for "Tsumitatate NISA"! It is possible to return points and invest with points according to the amount of reserve! ◆ Rakuten Securities has started "Rakuten Card" settlement at the time of investment trust accumulation and point return for 1% of the accumulation amount!Reinvestment of points is also possible, and the strongest "Tsumitatate NISA" account is born | ||||
| ◆ Matsui Securities | ||||
| free | ― | 156 books | 17 | ― |
| [Recommended points for Matsui Securities' Tsumitate NISA account] One of the online securities recommended by Mr. Kiritani, a master of shareholder benefits. We have a rich lineup of 173 investment trusts for NISA. Robo-advisors have abundant information tools and a full support system, including "Investment Trust Studio" (free of charge) that supports investment trust portfolio proposals and operations. Since you can purchase an investment trust from 100 yen, it is easy for beginners to start investing. From December 2020, a new support dial "Stock Trading Consultation Counter" will be opened. Unlike a typical support phone, a professional operator will assist you in making investment decisions. It is an epoch-making service that is free of charge and can be reserved in advance. | ||||
| [Related Articles] ◆ [What are the benefits of Matsui Securities "Tsumitatate NISA" accounts? ] 173 investment trusts eligible for "Tsumitatate NISA" are available! Robo-advisor supports asset design for investment beginners ◆ "If a stock beginner & shareholder benefit beginner opens an account, where is the recommended online securities?" Mr. Kiritani recommends "Matsui Securities" and "SB Securities"! | ||||
| ◆ au kabu.com Securities | ||||
| free | ― | 149 books | 15 | ― |
| [Recommended points for au Kabu.com Securities' Tsumitate NISA accounts] The number of investment trusts covered by Tsumitate NISA will be gradually expanded to 164. Savings can start from 100 yen, making it easy for beginners and those who cannot afford to start investing. Openers of NISA accounts (including Tsumitate NISA) also benefit from discounts of up to 5% on transaction fees for regular physical stocks. If you can't choose a fund yourself, "FUND DRESS" is convenient because it recommends a fund that suits you. Recommended for both beginners and intermediate and advanced investors who have already invested. | ||||
| [Related article] ◆ au kabu.com Securities has started "point investment" using Ponta points! Buy an investment trust with the points you have earned from shopping and eating, and start asset management at a great price! ◆ [What are the benefits of au Kabu.com Securities "Tsumitatate NISA" accounts? ] The number of investment trusts eligible for "Tsumite NISA" is abundant at 164, and there is also a benefit that the transaction fee of cash stocks can be discounted by up to 5%! | ||||
| ◆ Monex, Inc. | ||||
| free | ― | 137 | 15 | ― |
| [Recommended points for Monex Securities' Tsumitate NISA accounts] The lineup of investment trusts covered by Tsumitate NISA is abundant with 152. The minimum purchase amount is 100 yen in principle, and you can start NISA from a small amount. In addition, our unique asset design advice tool "MONEX VISION" will introduce you to recommended investment trusts. "Tsumite NISA / iDeCo Simulation" is convenient because you can get advice on which system is suitable for each individual's investment purpose, "Tsumite NISA" or "iDeCo". If you own an investment trust using NISA / Tsumitate NISA, you will be happy to receive Monex points at an annual rate of 0.08% for about 80% of the funds. Even for transactions with a general account, the commission is particularly low in the low contract price range, so it is recommended for beginners who want to start investing in stocks even from a small amount in the future. | ||||
| [Related Articles] ◆ [What are the merits of Monex, Inc. "Tsumitatate NISA"? ] There are 152 investment trusts targeted for "Tsumite NISA", and even beginners can use the asset design advice tool with peace of mind! ◆ Monex, Inc.'s NISA account has the best commission! Domestic stocks are free, foreign stocks are virtually free to buy, and there are many foreign stocks and IPOs, so it is recommended for investment beginners! | ||||
| ◆ SMBC Nikko Securities | ||||
| free | ― | 143 books | 15 | ― |
| [Recommended points for SMBC Nikko Securities' Tsumitate NISA account] From July 2020, we started handling "Tsumite NISA" in the "Investment Trust Tsumitate Plan" of online trading (Nikko Easy Trade). The purchase price is 1000 yen or more every month, in units of 1000 yen. "Toshin Lab.", Which helps you select stocks, introduces recommended funds according to age and investment policy. There is a "Tsumitatate Cart Function" that allows you to set up purchases of multiple issues at the same time, and you can set up your own purchase plan that combines Tsumitatate NISA target and asymmetrical issues. | ||||
| [Related articles] ◆ [What are the recommended points of SMBC Nikko Securities? ] We recommend "Kinkabu", which is completely free of margin trading and allows you to buy stocks that are convenient for NISA and funded investment in small portions! ◆ If you want to win an IPO and make a profit, aim for a lead underwriter! The secret to winning the IPO is the capture of the lead underwriter, who has 50 to 100 times more allocation than ordinary underwriting securities, and the lead underwriter's group companies, who can expect many allocations! | ||||
| ◆ Daiwa Securities | ||||
| free | 1.242% or less | 11 | 4 | 7 |
| [Recommended points for Daiwa Securities' Tsumitate NISA accounts] There are a total of 15 investment trusts, focusing on index-type investment trusts with low trust fees. We also have a solid lineup of low-cost balanced investment trusts, so even beginners can easily get started. There are four active types such as "Pension Reserve J Growth". In addition, it is a valuable financial institution that handles abundant ETFs at Tsumitate NISA. The accumulation frequency can be selected from monthly, bimonthly, every 3 months, every 4 months, and every 6 months. | ||||
| ◆ Nomura Securities | ||||
| free | ― | 5 | Two | ― |
| [Recommended points for Nomura Securities' Tsumitate NISA account] Only seven carefully selected investment trusts are handled by Tsumitate NISA, and even beginners can choose without hesitation. There are five index types, one Japanese stock, one worldwide excluding Japan, one developed country excluding Japan, and two balanced types, all of which offer low-cost investment trusts with trust fees close to the lowest. ing. In particular, "Nomura Three Zero Developed Country Equity Investment Trusts" has zero trust fees! （2031年以降は0.11％以内） アクティブ型は好成績で人気の「ひふみプラス」と、ユニークな運用哲学の「コモンズ30ファンド」をラインナップ。 | ||||
| ※掲載情報は定期的に見直しを行っていますが、更新の関係で最新の情報と異なる場合があります。最新情報は各証券会社の公式サイトをご確認ください。 |
| 【2022年3月7日更新！】◆NISA口座の株式売買手数料や取扱商品、キャンペーンを徹底比較！ NISA投資で利用すると得する、おすすめネット証券はココだ！ | ||||
| 株式売買手数料（税込み） | Products handled | NISAでのIPO対応（昨年の取扱数／うち主幹事数） | ||
| 国内株 | 海外株 | 投資信託 ※1 | ||
| ◆SBI証券 | ||||
| free | ○ ○ | ○米国株中国株韓国株ロシア株アセアン株 | 約2600本（原則、全ての投信が販売手数料無料） | ○（88社／11社） |
| 【SBI証券のNISA口座のおすすめポイント】ネット証券で日本株の個人取引シェアNo.1！ NISA口座では日本株の売買手数料が無料、かつ海外ETFの買付手数料も無料！（売却時の手数料は必要）。米国、中国（香港）、アセアン各国、韓国、ロシアなど、NISA口座対応の海外株が豊富！ また、全ての投信、投信積立が原則ノーロード（買付手数料無料）となっている。IPOの取扱が多いのも魅力だ。三井住友カードによるクレジットカード決済「クレカ積立」を利用するとお得。決済額の0.5%のポイントと投信マイレージによるTポイントが両方貯まる。NISA、つみたてNISA預りでの投信積立にも利用できる。カスタマーサービスセンターは「NISA・投信土日専用デスク」があり、週末も問い合わせに対応している。2019年1月開始の「簡易NISA口座開設」制度に対応、証券総合口座がない状態からの申込でも最短2営業日程度で取引が始められる。 | ||||
| 【関連記事】◆「株初心者＆株主優待初心者が口座開設するなら、おすすめのネット証券はどこですか？」桐谷さんのおすすめは「松井証券」と「SB証券」！◆SBI証券のおすすめポイントはココだ！～IPOの多さ＆夜間取引、銀行との連携など独自サービスも充実の大手ネット証券 | ||||
| ◆マネックス証券 | ||||
| free | ○ ○ | ○米国株中国株 | 約1200本（原則、全ての投信が販売手数料無料） | ○（50社／0社） |
| 【マネックス証券のNISA口座のおすすめポイント】NISA口座では日本株の売買手数料が無料なのに加えて、海外株（海外ETF含む）も購入時の手数料が全額キャッシュバックされる（＝実質無料）。他の証券会社と比べてNISA口座での外国株の取り扱い銘柄数が多いのも魅力！ 米国株は4000銘柄以上、中国株は2500銘柄以上がNISA口座でも購入できる。投資信託は、NISA口座での取引や「投信つみたて」を含めて、すべて購入時手数料が無料（ノーロード）。マネックストレーダーやスマホなどのツールもNISAでの取引に対応。 1日100円から積み立てが可能な「毎日つみたて」は、NISA・つみたてNISA（つみたてNISAは月額指定のみ）でも利用できる。NISA・つみたてNISAを利用して投信を保有すると、約8割のファンドで年率0.08％のマネックスポイントがもらえるのも嬉しい。 | ||||
| 【関連記事】◆マネックス証券のNISA口座は手数料が一番お得！ 国内株は無料、外国株も買付は実質無料。外国株やIPOの銘柄数も多いので、投資初心者にはおすすめ！◆AKB48の4人が株式投資とNISAにチャレンジ！「株」＆「投資信託」で資産倍増を目指せ！第1回 証券会社を選ぼう◆マネックス証券おすすめのポイントはココだ！日本株手数料の低さ、ユニークな投資ツールが充実しているネット証券大手 | ||||
| ◆楽天証券 | ||||
| free | ○ ○ | ○米国株中国株アセアン株 | 約2600本（原則、全ての投信の販売手数料無料） | × |
| 【楽天証券のNISA口座のおすすめポイント】日本株の売買手数料が無料で、海外ETFの買付手数料も無料！（売却時の手数料は必要）。海外株は米国、中国（香港）、アセアン各国と、幅広い銘柄が揃っている。さらに投資信託も約2600本と充実しており、全ての投資信託の販売手数料が無料。またポイントプログラムが充実しており、投資信託の残高に応じてポイントがもらえたり、楽天市場の買い物でポイントアップも可能だ。2019年1月開始の「NISA口座開設申込時における即日買付制度」に対応。申込から取引（商品買付）までを、最短で当日中に行える。毎月決まった金額や口数を自動売却して、少しずつ現金が受け取れる「定期売却サービス」も行っている。2021年6月に投信積立クレジットカード決済、楽天ポイントに対応したロボアドバイザー「らくらく投資」が登場。専用バランスファンドで、お得に、お手軽にロボ機能が活用できる。「つみたてNISA」・「NISA」口座でも利用できる。 | ||||
| 【関連記事】◆楽天証券おすすめのポイントはココだ！使いやすいトレードツール「MARKETSPEED」がおすすめ！◆【楽天証券の株アプリ／iSPEEDを徹底研究！】ログインなしでも利用可能。個別銘柄情報が詳細で見やすい！◆スマホでNISAの取引、株と投資信託などを売買できるネット証券のランキングを発表！主要ネット証券のNISA取引スマホ対応状況 | ||||
| ◆松井証券 | ||||
| free | ○ ○ | × | 約1600本（原則、全ての投信が販売手数料無料） | ○（9社／0社） |
| 【松井証券のNISA口座のおすすめポイント】日本株の売買手数料が無料で、取り扱っている全ての投資信託の販売手数料も、一括購入・積立購入を問わず、無料！ 2022年2月から米国株の取扱を開始したが、現状では米国株はNISA・つみたてNISA・ジュニアNISAで取引ができない。強力な銘柄スクリーニング機能を持つ「QUICK情報」や高機能ロボアドバイザー「投信工房」が無料で利用できるなど、情報ツール類が充実。2020年12月から新たなサポートダイヤル「株の取引相談窓口」を開設。一般的なサポート電話とは異なり、専門のオペレーターが投資の意思決定をサポートする。利用料は無料で、事前予約も可能な画期的なサービスとなっている。 | ||||
| 【関連記事】◆松井証券はどうして投資信託の取扱数が少ないのか？ あえて取扱数で勝負せず、松井証券が「顧客に無駄なコストを使わせない」という理念にこだわる理由とは◆「株初心者＆株主優待初心者が口座開設するなら、おすすめのネット証券はどこですか？」桐谷さんのおすすめは「松井証券」と「SB証券」！◆松井証券のおすすめポイントはココだ！松井証券の無料サービスと個性派投資情報を使いこなそう！ | ||||
| 株式売買手数料（税込み） | Products handled | NISAでのIPO対応（昨年の取扱数／うち主幹事数） | ||
| 国内株 | 海外株 | 投資信託 ※1 | ||
| ◆GMOクリック証券 | ||||
| free | ○ ○ | × | 130本以上（110本以上は販売手数料無料） | ○（1社／0社） |
| 【GMOクリック証券のNISA口座のおすすめポイント】NISA口座なら日本株の売買手数料が無料！ 投資信託の取扱本数は多くないもののノーロード投信や信託報酬の低い投信が豊富だ。100円から積立が可能なのも魅力。ここ数年、急激に株式市場での売買代金シェアを増やし、個人投資家の支持を集めている。NISA対応ではないがFXやCFDなど商品ラインアップが豊富なので、NISAを入口にさまざまな投資に挑戦したい人におすすめ！ | ||||
| 【関連記事】◆GMOクリック証券のおすすめポイントはココだ！コストが激安な上にツール、情報も充実して大手ネット証券に成長◆GMOクリック証券の株アプリ／株roid／iClick株を徹底研究！適時開示情報やアナリストレポートも過去90日分が読める！ | ||||
| ◆auカブコム証券 | ||||
| free | ○ ○ | × | 約1500本（原則、全ての投信が販売手数料無料） | ○（23社／0社） |
| 【auカブコム証券のNISA口座のおすすめポイント】NISA口座なら国内株の売買手数料が無料、100銘柄のETFも売買手数料が無料！ 投資信託は100円から購入が可能。500円から個別株が買える「プチ株」、プチ株や投資信託を毎月積立投資できる「プレミアム積立」もある。NISA口座を保有していると一般口座（と特定口座）の現物株式売買手数料が最大5％割引になる「NISA割」もお得（ただし「プチ株」「プレミアム積立」の場合は通常の手数料が必要）。2020年1月14日から投資信託の販売手数料がすべて無料に！ また、対象の投資信託を保有して「au ID」を登録しているとPontaポイントがたまるお得な「auカブコムの資産形成プログラム」は、特定口座・一般口座・NISA口座が対象となっている。なお、米国株式取引は、NISAに対応していない。 | ||||
| 【関連記事】◆【auカブコム証券のおすすめポイントを解説】売買手数料は大手ネット証券の中でも最安値水準！ 9種類の用途別アプリで、スマホ取引もラクラク！◆【auカブコム証券の株アプリ／kabu.com for iPhone/Androidを徹底研究！】取扱い商品、特殊注文、テクニカル指標、すべてが充実のアプリ！◆スマホでNISAの取引、株と投資信託などを売買できるネット証券のランキングを発表！主要ネット証券のNISA取引スマホ対応状況 | ||||
| 株式売買手数料（税込み） | Products handled | NISAでのIPO対応（昨年の取扱数／うち主幹事数） | ||
| 国内株 | 海外株 | 投資信託 ※1 | ||
| ◆野村證券 | ||||
| 152～2095円（約定代金による） | ○ ○ | × | 1000本以上（40本以上は販売手数料無料） | ○（37社／23社） |
| 【野村證券のNISA口座のおすすめポイント】国内大手の老舗証券会社で、口座数とNISA申込口座数はともに国内ナンバーワン！ NISA口座でも一般口座と同じ売買手数料が必要となるが、インターネット取引用の口座「野村ネット＆コール」は、店頭での窓口取引にくらべて売買手数料が大幅にお得になっている。また大手証券会社だけあって、投資情報や銘柄分析レポートが豊富で、専門家による数多くの調査レポート動画も視聴可能。さらに、IPOの主幹事数が多いので、本気でIPO投資を狙うならぜひ口座を持っておきたい証券会社だ。なお、外国株式取引は、NISAに対応していない。 | ||||
| 【関連記事】◆IPO（新規公開株）の主幹事数・取扱銘柄数で選ぶ！ より多くの当選が期待できるおすすめ証券会社◆野村證券のおすすめポイントや詳細情報のまとめはコチラ！ | ||||
| ◆SMBC日興証券 | ||||
| 137～1650円（約定代金による） | ○ ○ | × | 約1000本（600本以上は販売手数料無料） | ○（66社／21社） |
| 【SMBC日興証券のNISA口座のおすすめポイント】証券会社でトップクラスのIPO取扱実績を誇る。NISA口座でもIPOに参加できるので、公募価格の数倍になることもあるIPO投資で非課税のメリットを生かしたいなら、口座を開いておきたい証券会社だ。また、500円から株式投資ができる独自サービス「キンカブ（金額・株数指定取引）」があり、NISAの限度額120万円をムダなく使えるのが魅力！サポートツール 「fund eye Plus」も便利だ。 | ||||
| 【関連記事】◆SMBC日興証券のおススメポイントはココだ！信用完全無料、NISAや積立投資にも便利な株が小分けで買える「キンカブ」が利用できる | ||||
| ◆岡三オンライン | ||||
| 0～1650円（約定代金や料金プランによる） | ○ ○ | × | 約550本（2020年1月6日より販売手数料実質無料） | ○（45社／0社） |
| 【岡三オンラインのNISA口座のおすすめポイント】2020年1月6日より、ブルベアファンドも含む全ての投資信託の購入時手数料が完全無料に（ただし、ETF等の上場投資信託を除く）。積立買付時も購入時手数料が無料になる。NISA口座の株式売買手数料は有料だが、そもそも一般口座（と特定口座）の手数料はネット証券でも割安。NISA対応ではないがFXやCFD（くりっく株365）などの商品ラインナップも充実している。 | ||||
| 【関連記事】◆「岡三オンライン」は1日最大40万円の取引まで「売買手数料が無料」！ 資金の少ない投資初心者や株主優待狙いの投資家には、圧倒的にお得！◆岡三オンラインのおすすめポイントはココだ！個性的な「クライアント型」トレードツールと充実の投資情報が魅力！ | ||||
| ◆SBIネオトレード証券（旧：ライブスター証券） | ||||
| 55～1100円（約定代金や料金プランによる） | ○ ○ | × | 10本（販売手数料無料） | ○（5社／0社） |
| 【SBIネオトレード証券（旧：ライブスター証券）のNISA口座のおすすめポイント】顧客満足度調査の「ネット証券 手数料部門」で1位を獲得するなど、売買手数料の安さはネット証券でもピカイチ！ NISAの場合、売買手数料が無料の証券会社もあるのでNISA口座しか利用しない株式投資初心者にはさほどメリットはないが、NISAをきっかけに長期的に投資を始めたいなら、手数料が安いSBIネオトレード証券（旧：ライブスター証券）はおすすめ！ | ||||
| 【関連記事】◆SBIネオトレード証券（旧：ライブスター証券）のおすすめポイントはココだ！日本株現物手数料はあらゆる価格帯で最安値◆【SBIネオトレード証券（旧：ライブスター証券）の株アプリを徹底研究！】特殊注文＆長期間の注文に対応。手数料の安さも魅力！ | ||||
| ※手数料などの情報は定期的に見直しを行っていますが、更新の関係で最新の情報と異なる場合があります。最新情報は各証券会社の公式サイトをご確認ください。※1 投資信託の取扱数は、各証券会社の投資信託サーチ機能をもとに計測しており、実際の購入可能本数と異なる場合が場合があります。 |
【ザイ・オンライン×松井証券】タイアップ企画！新規口座開設＋取引で、株の売買手数料を最大1万円キャッシュバック！⇒ 関連記事はこちら