I think there are many people who think, "I don't want to do anything, but I want money." One of the ways to make money without working is to have the money work. In this article, I will introduce how to make money using investment trusts.
Table of contents
・ I don't want to do anything, but want to save money?
・ What is an investment trust that allows you to collect money without doing anything?
・ How much money can you save with an investment trust?
・ How much can you start investing?
・ How to start an investment trust
・ How long is it best to wait without doing anything?
I Don't want to do anything but want to save money?
To be honest, if I could do this, my life would be even more enjoyable.
I wake up at a fixed time every morning and commute by train at a fixed time. And when I'm busy, I work overtime until late at night and arrive home when the date changes. I think there are many people who live like this every day.
If you're not tied to this kind of life, you'll think you can do whatever you want until you wake up at your favorite time every day and go to bed. In other words, some people may want a life where they can buy what they like without having to work.
The above is a bit extreme, but there are ways you can improve your life and live a life where you don't have to put up with what you want.
If you work and make money, you probably have more or less savings, but most people deposit that savings in a bank. Now that the interest rate on deposits has become insignificant due to the zero interest rate policy, even if you deposit money in a bank, the interest is only a few yen.
You may be able to increase your existing deposit balance beyond what you have in your bank by "getting your money to work" using the methods I'm about to introduce.
What is an investment trust that allows you to collect money without doing anything?
It may be hard to imagine getting money to work. In other words, the way money works here is to "manage sleeping assets." Stock investment is a typical example of asset management, but it is a completely unknown world for beginners who do not know about stocks.
Most people don't know which stock to buy to make a profit, but there are products that are perfect for those people. It is an "investment trust".
An investment trust is a financial product in which investment specialists invest in and manage multiple products such as stocks and bonds based on the money collected from investors. Simply put, it is a way for investment professionals to manage the money deposited by various people to increase their money. With this, even beginners of stocks can enter the world of investment with confidence.
Of course, there are risks associated with investing, so you can make money or lose money. Some investment trusts are "products that make a lot of money but have the potential to make a lot of losses," while others are "products that make a small amount of money but have a small loss."
You have to choose according to your own policy, but even a low-earning investment trust can make more money than depositing it in a bank.
How Much Money Can You Save with an Investment Trust?
Now that you understand that you want money to work, how much money will you increase (save) if you actually invest in an investment trust?
The amount of increase will vary greatly depending on the brand of investment trust you purchase. However, looking at an example, it seems that some people who had invested in investment trusts for four years from 2014 to 2018 had an annual interest rate increase of 4% (2.51 million yen → 2.94 million yen). ..
Since the current interest rate on ordinary deposits is 0.001% per annum, it is calculated that investment trusts have made 4000 times more profit than the interest rate on deposits. Even if the annual interest rate does not reach 4%, it seems that if you make a little profit, you can definitely make more money than depositing it in a bank.
How much can you start investing
"I knew that I would get money to work, but I couldn't afford to invest millions of yen ..." You might think so, but that's okay.
You can start investing in an investment trust from tens of thousands of yen, and you can also make a "funded investment" that allows you to invest as if you were saving money every month. I would especially like to recommend funded investment, which is an excellent investment that allows you to manage your assets as you accumulate them.
If this method is adopted, there is a possibility that the amount of money to be used will increase over time and the profit will increase, and if you notice it, the amount of money will increase.
Among them, I would like to recommend "Tsumitatate NISA". Taxes are levied on the profits generated by investment trusts, but with Tsumita NISA, no tax is levied on the profits generated by accumulating and operating each month for up to 20 years.
How to start an investment trust
If you find that even a beginner can start investing with a small amount of money, let's move on to the next step. Here's what you need to do to get started with an investment trust.
First of all, it is necessary to "open an account of a securities company" before starting an investment trust.
It's easy to think that it would be difficult to start investing because you have to go to the window of a securities company and prepare the documents, but with online securities etc., you can open a securities trading account without visiting the store.
You don't have to go to the counter on weekdays, and you can apply to open an account even at night, so it's recommended for those who don't have time. Once you open an account, it's easy because all you have to do is select the investment trust brand you want to invest in.
How long is it best to wait without doing anything?
When you start investing, you will be checking for changes in the market frequently, but the point to keep in mind here is that you are not in a hurry. In particular, it is said that NISA, etc., which are freshly made, are suitable for medium- to long-term investment, so it is important not to be overwhelmed by changes in the market price.
In the case of freshly-picked NISA, it is said that it is better to put up with it for at least 3 years. It's not Ieyasu Tokugawa, but let's face it with the feeling of "If it doesn't ring, wait until it rings."
In this article, I introduced an investment trust that can be expected to generate even more income by having money work as well as myself. However, there are risks associated with investing, and it is not always possible to increase assets. Study hard and try to invest.
After working in a sales position at an automobile dealer, he changed his job to the current FP-related publishing company.
She was inspired by the interaction with FPs who actually faced customers, and she is working hard every day to acquire FP qualifications and introduce "FP knowledge useful for daily life" in an easy-to-understand manner.