Explain in detail the effects of "compound interest" and "dollar cost averaging" that people who have just started "Tsumitatate NISA" do not know in detail! "Long-term, reserve" is important to increase money efficiently!
Over the last 1-2 years, the number of online securities and smartphone securities account openings has increased rapidly. For example, Rakuten Securities' "Tsumite NISA" accounts doubled from 510,000 to 1.09 million in the year from March 2020 to February 2021. LINE Securities has opened 500,000 accounts in one and a half years and SBI Neo Mobile Securities has opened 500,000 accounts in one year and nine months.
This time, "compound interest" and "dollar cost averaging method" are the basics of investment that people who have recently started investing or who are new to investment who want to start investing should definitely know. Let's explain in an easy-to-understand manner. [* Click here for related articles! ] ⇒ Easy-to-understand explanation of "8 questions" that people who cannot start "Tsumitatate NISA" tend to have! Answers on how to choose financial institutions and investment trusts and how to use them together with "iDeCo"!
What is the difference between "single interest" and "compound interest" in the first place? If you want money to work, use the "compound interest effect"!
You can receive interest by depositing money in a bank, and there are two types of interest accrual: "single interest" and "compound interest".
"Simple interest" is interest only on the original principal. As long as the amount of principal and the interest rate do not change, you will receive the same amount of interest each time.
On the other hand, "compound interest" incorporates the attached interest into the principal. Incorporating interest will increase your principal a little, but you will earn more interest on that increased principal. By repeating this, it is "compound interest" that the money increases like a snowball.
Even a small snowball at first, by rolling it on the snow little by little, the amount of snow adhering to the surface increases and the ball grows larger. With such an image, it is "compound interest" that money increases.
For example, let's say you bought an investment product with an annual interest rate of 1% for 1 million yen. At this time, in the case of "simple interest", no matter how much time passes, it will only increase by 10,000 yen every year. On the other hand, if it is "compound interest", the interest will be 10,000 yen one year later, which is the same as "single interest", but two years later, the annual interest will be 1.01 million yen, which incorporates this 10,000 yen into the principal. Since the interest will be 1%, the return after 2 years will be 10,100 yen. Similarly, the return after 3 years will be 10,201 yen, and after 4 years it will be 10,303 yen. By repeating this, the return that can be obtained becomes larger and larger, which is the "compound interest effect".
This "compound interest effect" is an important concept for making money, as Einstein is said to be "the greatest invention of mankind." [* Click here for related articles! ] ⇒ Teaching how to make and use "Jibun Pension" to make up for the shortage of retirement funds! Let's increase "double interest effect" by giving "time" to allies by funded investment utilizing "Tsumite NISA" and "iDeCo"!
What is the "Rule of 72" that tells you how long it will take to double your assets?
You can see that "the higher the yield (interest rate), the more money will increase", but specifically, how will the money increase when the yield is 1%, when the yield is 3%? It may be hard to imagine what about ... etc. However, there is a "Rule of 72" that makes it easy to understand.
The "Rule of 72" is a formula that makes it easy to calculate how many years the invested principal will double.
[Rule of 72] 72 ÷ yield (%) = period (year) when money doubles
See the formula above. Divide 72 by the yield (%) to get the time it takes for the principal to double. Enter the "%" number for the number that goes into the yield part. If the yield is 5%, enter 5. Let's take a look at a calculation example.
・ If you operate at 1% → 72 ÷ 1 = 72 It takes about 72 years to double ・ If you operate at 2% → 72 ÷ 2 = 36 It takes about 36 years to double → If you operate at 3% → 72 ÷ 3 ＝ 24 It takes about 24 years to double ・ If you operate at 4% → 72 ÷ 4 ＝ 18 It takes about 18 years to double …… ・ If you operate at 8% → 72 ÷ 8 = 9 It takes about 9 years to double
By the way, as of April 2021, the interest rate on ordinary deposits of major banks is 0.001%. Applying the above formula, it takes about 72,000 years to double! You can see that you cannot make more money with savings deposits.
Incidentally, the "Rule of 72" can also calculate the effect of compound interest on borrowing.
Suppose you borrowed 1 million yen at an annual interest rate of 15%. At this time, the period until the amount of money that must be repaid doubles is "72 ÷ 15% = 4.8 years". In other words, if you do not repay the money at all, the borrowed money will increase from the initial 1 million yen to 2 million yen in about 5 years. Of course, you'll actually pay back every month, so that's not the case, but you'll also find it scary to turn compound interest into an enemy.
Long-term investment and reinvestment of distributions are important to take advantage of the "compound interest effect" in funded investment!
From here, let's look at the compound interest effect of "funded investment."
For example, let's say you make a reserve investment of 1000 yen each month. If the investment period is 10 years, the total investment principal is 120,000 yen. If it can be operated at an annual interest rate of 4% for 10 years, the principal amount of 120,000 yen will increase to 147,250 yen. It increased by 27,250 yen in 10 years. If the investment period is 20 years, the principal of 240,000 yen will increase to 366,775 yen, and the profit will be 126,775 yen. Furthermore, when the investment period reaches 30 years, the principal amount of 360,000 yen will increase to 964,049 yen, which will increase by 334,049 yen. You can clearly see how the assets of funded investment are increasing at an accelerating rate due to the power of "compound interest effect x time".
Investment trusts have a mechanism called "distribution" in which a part of profits is returned. "Distribution" is to distribute a part of the profit obtained from the investment trust management to investors in cash. However, if you want to take advantage of the compound interest effect, it is better to reinvest without receiving distributions as much as possible.
Among the products that can be invested with "Tsumite NISA", there is no investment trust that pays monthly distributions, so it is easier to increase assets due to the compound interest effect if you reinvest by incorporating it into the investment principal without paying distributions. Because I know. [* Click here for related articles! ] ⇒ With "Tsumitatate NISA", anyone can practice the "three iron rules of investment" to increase money without difficulty! A summary of the "basics of investment" that you should know before starting asset management!
The "dollar cost averaging method" is on the side of the common people! Demonstrate power with "Tsumitatate NISA"!
Now, let's talk about the "dollar cost averaging method".
Those who are interested in funded investment, such as "Tsumitatate NISA," may have heard the term "dollar cost averaging." If you buy a fixed amount of products such as investment trusts with price fluctuations such as "10,000 yen each month", you can buy only a little when the price of the product is high, and you can buy a lot when the price of the product is low. .. This purchasing method is called the "dollar cost averaging method".
The reason for adopting such a purchase method is that, although it depends on the price movement, the effect of suppressing the average purchase unit price can be expected, and the possibility of making a profit even if the price does not rise significantly in the end increases.
Enlarged image displayFor example, as shown in the figure above, if you decide to purchase an investment trust for 10,000 yen each month, the price (base price) is 10,000 yen for one unit and the price (base price) is 7,000 yen. In the month of, you will purchase about 1.428 units, and in the month of the price (base price) of 9000 yen, you will purchase about 1.111 units. The amount invested in the last three months was 30,000 yen, and the number of investment trusts I could buy was about 3.539. If the current price (base price) in the third month is 9000 yen, it will be 9000 yen x about 3.539 units = about 31851 yen, which is an increase of about 1851 yen from the investment principal of 30,000 yen (after the decimal point). If you calculate by reflecting all the numbers in, it will increase by about 1857 yen).
On the other hand, what if you bought 3 units for 30,000 yen in bulk in the first month (the month when the standard price was 10,000 yen)? Since the current price (base price) three months later is 9000 yen, it will be 9000 yen x 3 units = 27,000 yen, which means that 3000 yen has been lost compared to the principal of 30,000 yen.
In these examples, even though the current price (base price) is lower than the price in the first month (base price), it is profitable to buy by the "dollar cost averaging method". Is an interesting place. Of course, if you continue to lower it as it is, you will lose even if you buy it with the "dollar cost averaging method", so the "dollar cost averaging method" is not all-purpose. However, in the case of products that are repeatedly raised and lowered, the break-even point is also lowered by lowering the purchase unit price by the "dollar cost averaging method", so profits are obtained even if the price (base price) does not rise significantly at the time of sale. It becomes easier to put out. [* Click here for related articles! ] ⇒ What is the biggest merit of "dollar cost averaging"?Examine how the results change between savings and bulk purchases, and introduce the reasons for recommending "funding" to investment beginners
The "dollar cost averaging method" is also a strong ally of people who can not invest a large amount of money in a lump sum, but can make a small amount of steadily funded investment.
For example, at "Tsumite NISA," which is popular for being able to invest from a small amount without tax, after first deciding on a product such as an investment trust to buy with a reserve, and the investment amount and investment frequency (10,000 yen per month, etc.), it is easy. I will continue to buy automatically. Whether the investment trust price (base price) is high or low, continue to buy the same amount. This is exactly how to buy the "dollar cost averaging method". For those who cannot invest a large amount of money, or who are not accustomed to price movements and are uncomfortable with price movements, we recommend that you use the "dollar cost averaging method" on your side and simply make a funded investment such as "Tsumitatate NISA". [* Click here for related articles! ] ⇒Introducing the eight benefits of "Tsumitatate NISA" (Reserve NISA)!Explains the reasons recommended for beginners, such as being able to save from a small amount to a long period of time, making it difficult to lose, and making profits tax-free.
It is important not to change the rules easily in the "dollar cost averaging method"!
The important thing in the "dollar cost averaging method" is to continue buying according to the same rules regardless of whether the price (base price) is high or low. See the graph below.
Enlarged image displayThis graph shows the transition of assets when investing in an investment trust that invests in the representative US stock index "S & P500" by 10,000 yen each month from January 2018 to March 2021.
We can see that the total assets have been steadily increasing with respect to the reserve principal, but have fallen sharply once since the beginning of 2020. This is the effect of the market crash due to the so-called "corona shock". For a while, the principal has been broken.
However, with the subsequent market recovery, total assets also began to increase. As of March 2021, the total assets are about 530,000 yen against the principal of 390,000 yen. Even when the price dropped due to the corona shock, those who bought it simply without changing the rules were able to make a profit by lowering the average purchase price and then increasing the price. [* Click here for related articles! ] ⇒ Should the operation method of "Tsumitatate NISA" be reviewed by "Corona Shock"?Explaining "5 points" that anxious people with unrealized losses should review, such as the amount of reserves and stocks to invest
Next, let's take a longer look.
Enlarged image displayImmediately after the 2008 Lehman shock, the S & P 500 also fell. However, it recovered in about two years, and after that it increased from before the Lehman shock. We are able to increase our assets despite the price drop caused by the corona shock. As of March 2021, the total assets amounted to 4.07 million yen against the principal of 1.51 million yen.
Start your funded investment early and continue for a long time! It's a waste to stop on the way!
In the event of a big drop such as the Lehman shock or the Corona shock, you can also feel anxious about whether you can continue to accumulate. However, if you sell it in a hurry at the time of such a crash, the effect of the "dollar cost averaging method" cannot be obtained. In addition to reducing or losing profits, even if the price starts to rise after that, you will not be able to benefit from it.
Funded investments such as "Tsumitatate NISA" are investments that can only be profitable if they continue for a long time. Even if there is a crash, it is NG to stop easily. [* Click here for related articles! ] ⇒ Explain the "5 NGs" that are prone to failure in "Tsumitatate NISA"!Introducing five specific failure cases, such as NG response when losses and profits are generated, investment trusts that are not suitable for funded investment, etc.
Also, in the case of "Tsumitatate NISA", even if you sell it in the middle, the tax-exempt investment limit (up to 400,000 yen per year) will not be restored, so even if you are profitable, you should not sell it. It is recommended to make full use of the 20-year tax exemption period before selling.
This time, I explained the "compound interest" and "dollar cost averaging method" that investment beginners should know. It is important to continue investing for a long time in order to enjoy the effects of both "compound interest" and "dollar cost averaging". If you want to keep investing for a long time, it is a good idea to start as soon as possible. If you haven't started investing yet, please open an account now and start investing. [* Click here for related articles! ] ⇒ "Tsumitatate NISA" announces 6 securities companies and banks recommended by professionals!Detailed explanation by comparing how to select a financial institution that will not fail and "presence or absence of points" and "number of stocks handled"
[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! (Within 0.11% after 2031) The active type has a lineup of the popular "Hifumi Plus" with good results and the "Commons 30 Fund" with a unique investment philosophy. | ||||
| * The posted information is reviewed regularly, but it may differ from the latest information due to updates. Please check the official website of each securities company for the latest information. |
| [Updated March 7, 2022! ] ◆ Thorough comparison of NISA account stock trading fees, products handled, and campaigns! Here are the recommended online securities that you can get by using NISA investment! | ||||
| Stock trading fee (tax included) | Products handled | IPO support at NISA (number of transactions last year / of which number of lead managers) | ||
| Domestic stocks | Overseas stocks | Investment trust * 1 | ||
| ◆ SBI SECURITIES | ||||
| free | ○ ○ | ○ US stocks Chinese stocks Korean stocks Russian stocks ASEAN stocks | Approximately 2600 (in principle, all investment trusts are free of sales commission) | ○ (88 companies / 11 companies) |
| [Recommended points for SBI SECURITIES'NISA account] No. 1 share of individual trading of Japanese stocks in online securities! With NISA accounts, trading fees for Japanese stocks are free, and overseas ETF purchase fees are also free! (A handling fee is required at the time of sale). Abundant overseas stocks compatible with NISA accounts, such as the United States, China (Hong Kong), ASEAN countries, South Korea, and Russia! In principle, all investment trusts and investment trust reserves are no-load (no purchase fees). It is also attractive that there are many IPOs handled. 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 customer service center has a "NISA / Investment Trust Saturday and Sunday Desk" that responds to inquiries even on weekends. Corresponding to the "Simple NISA Account Opening" system that started in January 2019, transactions can be started in a minimum of 2 business days even if you apply without a general securities account. | ||||
| [Related article] ◆ "If you are a beginner in stocks and a beginner in shareholder benefits, where is the recommended online securities?" Mr. Kiriya recommends "Matsui Securities" and "SB Securities"! ◆ The recommended point of SBI SECURITIES is here! -A large number of IPOs & major online securities with abundant original services such as night trading and cooperation with banks | ||||
| ◆ Monex, Inc. | ||||
| free | ○ ○ | ○ US stocks Chinese stocks | Approximately 1200 (in principle, all investment trusts are free of sales commission) | ○ (50 companies / 0 companies) |
| [Recommended points for NISA accounts of Monex, Inc.] In addition to free trading fees for Japanese stocks, the fees for overseas stocks (including overseas ETFs) are fully cashed back (= virtually free). It is also attractive that the number of foreign stocks handled in NISA accounts is larger than that of other securities companies! More than 4000 US stocks and more than 2500 Chinese stocks can be purchased with NISA accounts. All investment trusts, including transactions with NISA accounts and "Investment Trust Tsumitate", are free of charge at the time of purchase (no-load). Tools such as Monex Trader and smartphones also support transactions with NISA. "Daily Tsumitate", which can be saved from 100 yen a day, can also be used with NISA and Tsumitate NISA (Tsumite NISA is only specified monthly). 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. | ||||
| [Related Articles] ◆ Monex, Inc.'s NISA account has the best commission! Domestic stocks are free, and foreign stocks are virtually free to buy. There are many foreign stocks and IPOs, so it is recommended for investment beginners! ◆ AKB48's four people challenge stock investment and NISA! Aim to double your assets with "stocks" & "investment trusts"! 1st Let's choose a securities company ◆ Monex, Inc. The recommended point is here!A major online securities company with low Japanese stock fees and abundant unique investment tools | ||||
| ◆ Rakuten Securities | ||||
| free | ○ ○ | ○ US stocks Chinese stocks ASEAN stocks | Approximately 2600 (in principle, no sales commission for all investment trusts) | × |
| [Recommended points for Rakuten Securities' NISA account] Free trading fees for Japanese stocks and free purchasing fees for overseas ETFs! (A handling fee is required at the time of sale). Overseas stocks are available in a wide range of stocks, including the United States, China (Hong Kong), and ASEAN countries. In addition, there are about 2,600 investment trusts, and sales commissions for all investment trusts are free. In addition, the point program is substantial, and you can get points according to the balance of the investment trust, or you can increase points by shopping at Rakuten Ichiba. Corresponds to the "Same-day purchase system when applying for NISA account opening" that started in January 2019. From application to transaction (purchase of goods) can be done within the day at the earliest. We also offer a "regular sale service" where you can automatically sell a fixed amount and number of units every month and receive cash little by little. 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 article] ◆ Rakuten Securities' recommended point is here! The easy-to-use trading tool "MARKET SPEED" is recommended! ◆ [Rakuten Securities' stock app / iSPEED thoroughly researched! ] Can be used without login. Individual stock information is detailed and easy to see! ◆ Announced the ranking of online securities that can buy and sell NISA transactions, stocks and investment trusts on smartphones!NISA transaction smartphone support status of major online securities | ||||
| ◆ Matsui Securities | ||||
| free | ○ ○ | × | Approximately 1600 (in principle, all investment trusts are free of sales commission) | ○ (9 companies / 0 companies) |
| [Recommended points for Matsui Securities' NISA account] Trading fees for Japanese stocks are free, and sales fees for all investment trusts we handle are also free, regardless of whether they are bulk purchases or funded purchases! We started handling US stocks in February 2022, but at present, US stocks cannot be traded with NISA, Tsumitate NISA, and Junior NISA. Information tools such as "QUICK Information" with a powerful brand screening function and "Investment Trust Studio", a high-performance robo-advisor, can be used free of charge. 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 article] ◆ Why does Matsui Securities handle a small number of investment trusts? The reason why Matsui Securities does not dare to compete in terms of the number of transactions and sticks to the idea of "not to waste money on customers" ◆ "If a stock beginner & shareholder special treatment beginner opens an account, what is the recommended online securities? "?" Mr. Kiriya recommends "Matsui Securities" and "SB Securities"! ◆ The recommended point of Matsui Securities is here! Let's master Matsui Securities' free service and individual investment information! | ||||
| Stock trading fee (tax included) | Products handled | IPO support at NISA (number of transactions last year / of which number of lead managers) | ||
| Domestic stocks | Overseas stocks | Investment trust * 1 | ||
| ◆ GMO Click Securities | ||||
| free | ○ ○ | × | 130 or more (110 or more are free of charge) | ○ (1 company / 0 company) |
| [Recommended points for NISA accounts of GMO Click Securities] With NISA accounts, trading fees for Japanese stocks are free! Although the number of investment trusts handled is not large, there are many no-load investment trusts and investment trusts with low trust fees. It is also attractive that you can save from 100 yen. Over the last few years, it has rapidly increased its share of trading value in the stock market and is gaining the support of individual investors. Although it is not NISA compatible, it has a rich product lineup such as FX and CFD, so it is recommended for those who want to challenge various investments with NISA as the entrance! | ||||
| [Related article] ◆ The recommended point of GMO Click Securities is here! GMO Click Securities' stock app / stock roid / iClick stock is thoroughly researched! Timely disclosure information and analyst reports can be read for the past 90 days! | ||||
| ◆ au kabu.com Securities | ||||
| free | ○ ○ | × | Approximately 1500 (in principle, all investment trusts are free of sales commission) | ○ (23 companies / 0 companies) |
| [Recommended points for au Kabu.com Securities NISA accounts] With NISA accounts, trading fees for domestic stocks are free, and trading fees for 100 ETFs are also free! Investment trusts can be purchased from 100 yen. There are also "Petit stocks" where you can buy individual stocks from 500 yen, and "Premium reserves" where you can make monthly reserve investments in petite stocks and investment trusts. If you have an NISA account, you can also get a discount of up to 5% on the spot stock trading fee of general accounts (and specific accounts) with "NISA Discount" (however, normal fee for "petit stock" and "premium reserve" Is necessary). From January 14, 2020, all investment trust sales commissions will be free! In addition, the "au Kabu.com Asset Formation Program", which is a great deal for earning Ponta points if you own an investment trust and register an "au ID", is targeted at specific accounts, general accounts, and NISA accounts. There is. US stock trading does not support NISA. | ||||
| [Related articles] ◆ [Explanation of recommended points of kabu.com Securities] Trading fees are the lowest among major online securities companies! With 9 types of application-specific apps, smartphone transactions are easy! ◆ [Thorough research on au kabu.com Securities' stock app / kabu.com for iPhone / Android! ] An app with a full range of products, special orders, technical indicators, and more! ◆ Announced the ranking of online securities that can buy and sell NISA transactions, stocks and investment trusts on smartphones!NISA transaction smartphone support status of major online securities | ||||
| Stock trading fee (tax included) | Products handled | IPO support at NISA (number of transactions last year / of which number of lead managers) | ||
| Domestic stocks | Overseas stocks | Investment trust * 1 | ||
| ◆ Nomura Securities | ||||
| 152-2095 yen (depending on the contract price) | ○ ○ | × | 1000 or more (40 or more are free of charge) | ○ (37/23 companies) |
| [Recommended points for NISA accounts of Nomura Securities] At a major domestic securities company, both the number of accounts and the number of NISA application accounts are the number one in Japan! NISA accounts require the same trading fees as general accounts, but the trading fees for the Internet trading account "Nomura Net & Call" are significantly lower than those for over-the-counter transactions. Also, as there are only major securities companies, there are abundant investment information and stock analysis reports, and you can watch a large number of survey report videos by experts. In addition, there are many IPO lead managers, so if you are serious about investing in an IPO, you definitely want to have an account. Foreign stock transactions do not support NISA. | ||||
| [Related articles] ◆ Select by the number of lead managers and the number of stocks handled by IPO (initial public offering)! Recommended securities company that can expect more winnings ◆ Click here for a summary of recommended points and detailed information of Nomura Securities! | ||||
| ◆ SMBC Nikko Securities | ||||
| 137 to 1650 yen (depending on the contract price) | ○ ○ | × | Approximately 1000 (600 or more are free of charge) | ○ (66 companies / 21 companies) |
| [Recommended points for SMBC Nikko Securities' NISA account] We are proud of our top-class IPO handling record at securities companies. You can also participate in IPO with an NISA account, so if you want to take advantage of tax exemption in IPO investment, which can be several times the public offering price, it is a securities company that wants to open an account. In addition, there is a unique service "Kinkabu (amount / number of shares specified transaction)" that allows you to invest in stocks from 500 yen, and it is attractive that you can use the NISA limit of 1.2 million yen without waste! The support tool "fund eye Plus" is also useful. | ||||
| [Related article] ◆ The recommended point of SMBC Nikko Securities is here!You can use "Kinkabu", which is completely free of credit and allows you to buy stocks that are convenient for NISA and funded investment in small lots. | ||||
| ◆ Okasan Online | ||||
| 0 to 1650 yen (depending on the contract price and rate plan) | ○ ○ | × | Approximately 550 (substantially free sales commission from January 6, 2020) | ○ (45 companies / 0 companies) |
| [Recommended points for Okasan Online NISA accounts] From January 6, 2020, all investment trusts, including Bullbear Funds, will be completely free of charge when purchasing (except for listed investment trusts such as ETFs). The purchase fee will be free even at the time of funded purchase. NISA account stock trading fees are charged, but general account (and specific account) fees are also cheaper for online securities. Although it is not NISA compatible, it has a full lineup of products such as FX and CFD (Click Stock 365). | ||||
| [Related Articles] ◆ "Okasan Online" is "free of trading fees" for transactions of up to 400,000 yen a day! Overwhelmingly advantageous for investment beginners with little funds and investors aiming for shareholder benefits! ◆ The recommended point of Okasan Online is here! Unique "client-type" trading tools and abundant investment information are attractive! | ||||
| ◆ SBI Neotrade Securities (formerly Live Star Securities) | ||||
| 55 to 1100 yen (depending on the contract price and rate plan) | ○ ○ | × | 10 bottles (no sales commission) | ○ (5 companies / 0 companies) |
| [Recommended points for NISA accounts of SBI Neotrade Securities (formerly Livestar Securities)] The low trading fees are perfect even for online securities, such as winning the first place in the "net securities fee category" of the customer satisfaction survey! In the case of NISA, there are securities companies with no trading fees, so there is not much merit for stock investment beginners who only use NISA accounts, but if you want to start investing in the long term with NISA, SBI Neotrade Securities with low fees (Old: Live Star Securities) is recommended! | ||||
| [Related article] ◆ The recommended point of SBI Neotrade Securities (formerly Live Star Securities) is here! Japanese stock spot fees are the lowest in all price ranges ◆ [SBI Neotrade Securities (formerly Livestar Securities)'s stock app is thoroughly researched! ] Supports special orders & long-term orders. The low fees are also attractive! | ||||
| * Information such as fees is reviewed regularly, but it may differ from the latest information due to updates. Please check the official website of each securities company for the latest information. * 1 The number of investment trusts handled is measured based on the investment trust search function of each securities company and may differ from the actual number that can be purchased. |
[Zai Online x Matsui Securities] Tie-up project! By opening a new account + trading, you can cash back up to 10,000 yen on stock trading fees! ⇒ Click here for related articles