【完全攻略】新NISAで一番得する方法を見つけました。旧NISAよりもお得なので急いで取り入れて下さい【ひろゆき 切り抜き 論破 ひろゆき切り抜き ひろゆきの控え室 中田敦彦 ガーシー 積立NISA】
TLDRThe transcript discusses the considerations and strategies for starting a NISA (Nippon Individual Savings Account) investment plan in Japan, emphasizing the importance of timing and long-term benefits. It highlights the potential rewards of early investment, the impact of compounding returns, and the risks involved. The speaker also touches on the use of various financial products like index funds and active funds, and the importance of not actively trading to maximize returns. The conversation includes personal financial planning, the role of taxes in retirement benefits, and the idea of investing in index funds for long-term growth, referencing the success of passive investment strategies over active ones.
Takeaways
- 📈 Considering starting a NISA (Nippon Individual Savings Account) due to its tax benefits and the potential for long-term investment returns.
- 💰 The sooner you start investing, the more time your investments have to grow, as returns compound over time.
- 🚀 It's beneficial to start NISA early to maximize the rewards, even if the market is currently down, as the long-term gains are more significant.
- 📅 The timing of starting NISA can impact the rewards, as waiting could mean missing out on potential earnings.
- 🏦 NISA allows for tax advantages, making it an attractive option for long-term savings and investment.
- 🏠 When considering purchasing a property, it's often better to buy early as prices tend to decrease over time.
- 🤰 As a pregnant woman, it's important to plan for future financial needs, such as those arising when the child reaches university age.
- 💼 For those with a stable income, it might be more beneficial to invest in company shares, especially if the company offers matching contributions or rewards.
- 📊 Index funds, which track market indices like the S&P 500, can be a low-cost investment option with potentially high returns over the long term.
- 💡 Passive investment strategies, such as investing in index funds, can be more effective for the average person than actively trading stocks.
- 🎓 For those with a good memory and analytical skills, like gamers, they might have an advantage in day trading or understanding stock market dynamics.
Q & A
What is the main reason for considering starting NISA (Nippon Individual Savings Account)?
-The main reason is the potential for higher returns over time, as investments generally increase in value the longer they are held.
Why might it be beneficial to start NISA sooner rather than later?
-Starting NISA early allows for compounding returns, meaning the initial investment can grow at a faster rate over time, potentially leading to greater profits.
What is the significance of the timing of NISA enrollment in relation to reward limits?
-Enrolling early in the year, such as in January, can help avoid missing out on potential rewards, as the rewards are often calculated based on the entire year's contributions.
How does the speaker feel about the current state of the stock market and its impact on investment decisions?
-The speaker believes that even if the market is currently down, it's still a good time to invest because stocks have the potential to increase in value over the long term, regardless of short-term fluctuations.
What is the speaker's opinion on using investment trusts (like NISA or iDeCo) compared to other investment options?
-The speaker suggests that using investment trusts with tax benefits, like NISA or iDeCo, is a wise choice because they can potentially lead to higher returns due to the tax advantages and the ability to invest without incurring high fees.
What is the speaker's recommendation for a pregnant woman with a certain amount of savings who will need money in the future?
-The speaker recommends investing in a tax-efficient investment trust, such as NISA, and suggests not touching the investment for a long period, like 18 years, to allow for growth.
What is the speaker's view on active and passive investment funds?
-The speaker prefers passive investment funds, like index funds, because they typically have lower fees and require less active management, which can lead to better long-term returns compared to actively managed funds.
How does the speaker address the risk associated with investing in a company's stock, especially if the company is performing poorly?
-The speaker acknowledges the risk but suggests that if there is a guaranteed return, like a 13% reward, it might be worth investing even if the company's stock price is volatile.
What is the speaker's advice for someone considering investing in their company's stock as part of a benefit program?
-The speaker advises caution, especially if the company's financial performance is uncertain, as seen with SoftBank's example of a large annual loss.
How does the speaker feel about the current non-taxable status of a single parent with a certain income level?
-The speaker expresses a sense of guilt and suggests that it might be more appropriate to be taxed, as the current non-taxable status seems unfair given the income level.
What is the speaker's suggestion for someone who has extra money and feels guilty about their non-taxable status?
-The speaker suggests making donations to give back to society, as a way to contribute despite not being taxed.
Outlines
📈 NISA Investment Timing and Benefits
The paragraph discusses the advantages of starting a NISA (Nippon Individual Savings Account) investment plan early due to the potential rewards over time. It mentions that the longer the investment period, the higher the returns, using the example of the S&P 500 index. The speaker considers the timing of starting NISA, suggesting that beginning immediately could be beneficial due to the rewards structure. They also touch on the risks of investing, the importance of long-term investment, and the potential benefits of starting NISA early, even if the market is currently down.
💼 Diversified Investment Strategies
This paragraph explores various investment options, including NISA, investment trusts, and the differences between active and passive funds. The speaker recommends looking for investment trusts with no fees, such as index funds that track the average of the market, like the Nikkei average. They mention the benefits of passive funds, which have zero fees and automatically invest in the market index, reducing the need for active trading. The speaker also discusses the historical performance of index funds compared to actively managed funds and suggests that for most people, a passive investment strategy might be the best approach.
💰 Employee Stock Purchase Plans and Financial Concerns
The speaker discusses the benefits of utilizing company stock purchase plans and the potential risks associated with them, especially if the company's stock price is volatile. They mention the case of SoftBank, which had significant losses, and question the wisdom of investing in such a company despite the guaranteed rewards. The speaker also addresses the issue of being in a non-taxable income bracket with a high income, expressing a desire to contribute more to society through taxes. They suggest that if one has excess income, they should consider making donations to give back to the community.
Mindmap
Keywords
💡NISA (Nippon Individual Savings Account)
💡Investment
💡Timing
💡Returns
💡Stocks
💡Retirement Planning
💡Tax Benefits
💡Investment Trusts
💡Financial Planning
💡Risk Management
💡Compound Interest
Highlights
Considering starting NISA (Nippon Individual Savings Account) due to its benefits, and waiting for the right timing to start.
Mention of the advantages of investing as early as possible, highlighting the compounding effect over time.
Discussion on the potential returns of investing in general indexes like the S&P 500 over different periods.
Advice on maximizing the investment amount from the beginning to take full advantage of the available time frame.
Highlighting the importance of investing early, with a specific example of investing in January vs. December.
The potential loss of profit by not investing early due to the incremental gains that could be missed.
Recommendation to apply for NISA as soon as possible to make the most of the investment opportunity.
Personal anecdote about investing the remaining NISA quota in January after reading a blog.
Discussion on the flexibility and benefits of NISA for easy and profitable investment.
Opinion on the current market conditions being favorable for investment despite potential further drops.
Advocacy for long-term stock holding as a strategy to potentially increase gains regardless of market conditions.
Consideration of investing in ideco (Individual-type Defined Contribution Pension Plan) as part of future financial planning.
The importance of completing national pension payments early to secure pension benefits.
Discussion on the tax-free nature of pension payments and their advantages in financial planning.
Advice on leveraging tax-advantaged accounts like NISA and ideco to maximize investment returns.
The concept of buying desired items when their prices decrease over time, with specific examples given.
Recommendation for pregnant women to invest in passive index funds for long-term financial planning.
Discussion on the differences between active and passive investment funds, and the cost-effectiveness of passive funds.
Highlighting Warren Buffett's bet on index funds over active funds as evidence of their effectiveness.