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The transaction fee of the securities company will greatly affect the profit of the investment.
especially beginners,
- "It's free"
- "If you are safe, it is OK."
It’s important to think about it, but it’s a total cost.
In this article,
- Main fees for securities companies
- Where is the difference?
- How to choose for beginners
Let's organize it easily.
What is the fee of the securities company?
Fees for securities companies are the cost of using investment services.
For example:
- Sell shares
- Apply investment trust
- Buy foreign shares
- Exchange to foreign currency
You may be asked to pay a fee.
This page is free, but not all costs are zero.
Three main fees
There are three fees for beginners to see:
| Fees | 内容 |
|---|---|
| Purchase fee | Costs that occur when buying and selling stocks and ETFs |
| Trust reward | Costs while holding investment trusts |
| Exchange fee | Costs that occur when buying stocks or foreign currency products |
Beginners often see only transaction fees, but long-term investments have a greater impact on trust rewards.
1. Purchase fee
Trading fees are fees that occur when buying or selling shares or ETFs.
In the past, it was common to have a fee for each transaction, but now, it is going to be free mainly on Net Securities.
In particular, there are cases where domestic stocks and investment trusts are free in NA accounts.
However, the free range varies depending on the securities company and the product.
For example:
- Free domestic shares
- U.S. shares have additional fees
- Foreign exchange fees
- Some products are not eligible
There is a case.
It is important to check the target product and condition even if it is written "free of purchase fee".
2. Trust reward
Trust remuneration is the cost of deducting every day while holding investment trusts.
It is not a cost to pay only once at the time of purchase of investment trust, it will take as long as you have.
For example, year 0. 1% and year 1. In 0%, at first g it looks small.
However, this difference is piled up in long-term investment.
Why trust rewards are important
The cost difference is effective not only for profit but also for time.
The basic image of compound interest is as follows.
A = P × (1 + r)^n| Signs | 意味 |
|---|---|
| A | Future assets |
| P | 元 |
| r | Annual Return |
| n | Year |
The main thing here is that the actual return is "the one that deducts the cost from the operation return".
If the index fund invests in the same index, the lower the trust reward, the greater the return remains.
3. Exchange fee
If you buy U.S. stock or U.S. ETF, you need to replace the circle with a dollar.
Foreign exchange fees occurring at this time.
Foreign exchange fees are not as conspicuous as trading fees.
However, it is a cost that can not be ignored for people who buy foreign currency products regularly.
For example:
- from the circle to the dollar
- Buy US stocks in dollars
- Return the dollar to circle after sale
In this case, there may be multiple exchange costs.
If you are investing in a U.S. stock, please check the trading fee as well as the foreign exchange cost.
Why recently more "free"
This is because the competition of net securities has increased.
Home
- Free stock purchase
- N N
- Free purchase fee for investment trust
- Supports カca
is becoming more common.
Especially in major net securities,
- SBI Securities
- ten Securities
- Manex Securities
- Matsui Securities
We are promoting price competition.
This is a good flow for investors.
On the other hand, it is necessary to choose the ease of use other than the fee.
However, it is not "free = 」"
It is easy to drop by the beginner.
| Safety | Actual Notes |
|---|---|
| Free | The number of products may be small |
| Focus on Point | It may be bad to use |
| 高 | Condition may be complex |
| Campaign | The difference may be small if you look long |
In choosing a securities company,
- Ease of use of apps
- Easy setting
- Low- products
- N N
- Point Integration
- Support
It is also important.
Even if the fee is low, it is difficult to use and it is not possible to continue.
How to choose for beginners
For beginners, it is easier to choose the following three priority than the fine difference.
1. Supports Nしている
N。 is a tax-exempt system.
If you’re starting a long-term investment, check if you’re dealing with your NA account first.
2. Low cost
It is important to choose low- index funds such as global stocks and U.S. stocks.
A securities company that chooses products with low trust compensation is good for long-term investment.
3. Easy to install
The most important thing for beginners is the easy-to-co e mechanism.
If you choose a securities company that is easy to understand the setting that can be stacked automatically every month, it will be difficult to switch to the market.
More important than fees
Fees are important, but it is not the only factor to determine the success of investment.
especially beginners,
- too much to worry about fees
- too much time to compare securities companies
- Too much campaign
- Change products frequently
It tends to be a state.
What is really important is to start and stay long.
Even if you choose a low- product and continue to pile up with an un onable amount, the foundation of investment is quite complete.
Common misunderstandings
| misunderstanding | In fact |
|---|---|
| No risk | Investments have price ctuations |
| Must be determined only with fees | Easy to use |
| Short-term trading | For beginners, long-term upward |
| Higher points | 条件ation of conditions and co ity |
| Trust rewards can be ignored because they are small | Long-term differences |
- The securities company has multiple fees
- Beginners view trading fees, trust rewards and foreign exchange fees
- Long-term investment is especially important
- This page is going to be free of charge
- However, it is not only free, but it is easy to see the total cost and usability.
- Beginners are based on NA and integrated investment
First of all, it is important to build a low- projection for a small amount and create a sustainable environment.