投資の話

f:id:nanbono:20180905121803j:plain

嫁ちゃんがかなり稼いでいる。

具体的にはもちろん言わないが、かなり稼いでいる。

(嫁と、稼ぐ、って似てるよね)

 

ちなみにオーナーは写真のXENONで、どうやら全ての権限は彼女が持っているようだ。

嫁ですら頭が上がらない。

 

共通の資産なのが前提の話なんだけど、俺が家賃やら光熱費やら、嫁の国民保険から年金から、生命保険から積立とか、一身に受けとめ賄っている。

つまり、嫁の貯金がしっかり貯まる。

 

うおおおお!

投資しなきゃ!

銀行に置いておくのはもったいないぜ!

というわけで先日投資の種類を増やした。

 

現在の投資状況をまとめる。

分かりやすく説明するわけではなく、まずは自分のなかでまとめると言う意味で。

今後メリット、デメリットをまとめたいね、勉強のために。

 

・ソニー生命 米ドル建一時払終身保険

投資額 言わない

一番最近の投資。

50歳以上の条件があるので妻のお母様に協力をしていただいた。

解約返戻金は4年以降ならマイナスにはならない。

10年後で114%、15年後で123%、20年後で136%

不謹慎ではあるが死亡保険は、10年後で156%、20年後では約2倍になる。

要約すると、4年間、すぐに使わないお金があるなら、安定してちょっとずつ増える。

米ドルなので為替に注意や。

 

・ソニー生命 変額個人年金

投資額 言わない

上記と同じタイミングで契約。

年金とついているが、実質的に投資信託で、信頼できる外資の株を買っているみたい。

運が絡む関係で、俺みたいな知識の人はなにも発言できないが、現状の実績は大変良いみたい。

要約すると(俺の中で)ハイリスクハイリターン。

手数料は0.8%と高い。

 

・WealthNavi 

投資額100万円

数ヶ月前に始めたやつ。

キャンペーンに乗っかるために、月々2万円の積立も追加で。

感情に左右されないAIに全て任せるシステムで、ひたすらほっときたい私にぴったりと思って開始。

現状は無難に+3%になっている。

取引内容は、米国株、日欧株、新興国株、金などが主な用。

っ全然わかんねぇ!

手数料は1.0%と結構高い。頑張れ!

 

・投資信託NISA預り 三菱UFJ国際eMAXISバランス

投資額100万円

社会人初期に、投資を勉強しなくちゃ!と思って始めた。

良くも悪くも安定していて、辞めることも増やすこともをしていない。

10万円くらい増えてはいるが、これどうしよう。

 

他にもあるんだけど疲れた。

 

ぼよーん。

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