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Tance deposit is to store cash at home instead of banks. While there is a sense of security that can be used immediately, there are many risks that are hard to see.
especially important
- Reduced value with inflation
- Disaster Risk
- All assets are biased
This is 3 points.
Not a completely bad way. However, it is important to think about "life defense funds" and "long-term assets".
What is tans deposit?
Tans Deposit is a way to store cash at home.
As the name suggests,
- Home
- Drawer
- hidden
Also included.
How to get started
It is a feeling of peace of mind.
For example:
- Bank failure is anxiety
- I want to use cash immediately
- Prepare for a disaster
I think.
Especially in low interest rate environment,
Not included in the bank
It is easy to feel.
Maximum risk is "invisible"
The number is not changed.
However, the value is reduced by increasing the price.
This is inflation risk.
For example, if it is 3% inflation year, the real value of 1 million yen gradually decreases.
The difference is greater in the long term because it is diminently reduced.
The way of thinking of compound interest is as follows.
A=P(1+r)^nNormally, it is an expression used for asset growth, but inflation acts in reverse direction.
Benefits and Demerits of Tans Deposit
メリット
| メリット | 内容 |
|---|---|
| Contact Us | Convenient for power outages and disasters |
| A sense of peace of mind | Manage hands |
| No withdrawal limit | Not affected by ATM failure |
デ
| デ | 内容 |
|---|---|
| Weak Inflation | Real value is reduced |
| Theft Risk | Compensated |
| Fire risk | Possibility of loss |
| Not Included | No interest or profit |
especially important
Safe and undispersed
That is.
If only cash is biased, the resistance to economic changes is weakened.
Easy to misunderstand for beginners
Not "cash = no risk"
It looks safe because there is no price。ctuation.
But actually,
- Inflation
- Tag
- Opportunities Loss
Yes.
つまり、
Assets that are less visible
Comment
How to think in practice
It is a way of thinking to separate roles.
Living Defense Fund
The monthly fee is paid by cash or ordinary deposit.
This is important.
Long-term assets
Funds that are distant to use are also considered distributed investments.
For example:
- Investment Trust
- ETF
- Bonds
Others
Important
All operations
However,
Cash All
That's not.
- Tansu deposit has a sense of security
- However, real value is lowered by inflation
- Disaster and theft risk
- It is important to share cash and investment roles
First,
- Decide on life defense funds
- Separate surplus funds
- View asset allocation from long-term perspective
When you start with these three things, you can easily balance them.