A consultation room on investment that even beginners can understand for women who want to start investing and are worried about saving money for the future! My Navi Woman reader ambassador "Hataraku muse" investment novice members will teach FP Noriko Otake from the beginning about investing.
This time's problem "I want to know the recommended investment for beginners!"
I want to start investing, but I don't know what to choose because there are so many types, such as stocks, bonds, and mutual funds! Of course I'm afraid of risk, and what kind of investment would you recommend to someone like me who has zero knowledge?
Banana
“JGBs for Individuals” are recommended as a first step
I think that many investment beginners are afraid of “loss of principal”. For those who absolutely do not want to lose the principal, "JGBs for Individuals" would be good. This is an investment method that I would recommend to anyone looking for stability.
“Government bonds for individuals” are bonds issued by the government and can be purchased by individuals. Buying bonds is like lending money to the country.
When you buy retail government bonds, you receive periodic interest payments and the principal is repaid at maturity.
Cancellation is not possible for the first year, but after that, the principal is guaranteed even if the cancellation is made at any time, so there is no need to worry about losing the principal. You can choose from 3 types of maturity, 3 years, 5 years, and 10 years, so you should choose the type that suits your plan.
In addition, since the interest rate is guaranteed as a minimum interest rate of 0.05% per annum, it is possible to receive higher interest than depositing in a bank .
You can buy it from 10,000 yen, so you don't have to prepare a large amount of money at first, which is nice. It can be said that it is a financial product that is suitable for the first step for those who are afraid of risk.
“Investment trusts” that can be easily started without much knowledge
We also recommend investment trusts that are invested and managed by asset management professionals.
“Investment trusts” are operated by professionals on your behalf, so you can easily start investing without much knowledge.
In addition, investment trusts make it easy to invest in products such as overseas stocks and bonds that may be difficult to purchase on your own. Leaving it to a professional can reduce the risk and hassle, so it is also an advantage that you can easily invest in a market where you can expect growth.
On the other hand, I would like to keep in mind that investment trusts continue to incur fees while holding and the risk of falling below the principal.