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The four Principles you want to remember are:
- LongTermInvestment
- Investment
- Decentralized investment
- Low cost operation
Long-term,積umulation, and dispersion are often described as “Three Principles of Investment”. If there is a low- operation, the asset formation of beginners will be quite現実.
The most important thing in investment is not to win big from the beginning. It is to make a mechanism that can be kept un onable and reduce excess failure.
4 Principles of Investment
The four principles of investment are long-term,積umulation, dispersion, and low-.
| Principle | What to do | What to do |
|---|---|---|
| LongTermInvestment | 10 years, 20 years | Failure to sprinkle with short-term game movement |
| Investment | Buy the same amount regularly | Failure toみ high value at once |
| Decentralized investment | Multiple investment destinations | Failure to bet on one product or symbol |
| Low cost operation | Reduce fees and trust rewards | Failure to sharpen compound interest growth at a cost |
This is not a fancy technique.
It is rather a local taste. However, this taste is quite effective for beginners to remain on the market for a long time. It is more再現roducible than reading the market perfectly.
1. Long-term investment
Long-term investment is a way to raise assets in units such as 10 years and 20 years, not within a few months.
In short term, the stock price and the stock price of the investment trust are quite moving. Interest rate, exchange rate, financial results, overseas market, news, SNS topics. If you look closely, you will see how much you can go up and down.
In long-term investment, a little distance from its short-term noise.
Of course, if you hold it for a long time, it will not always be profitable. If the investment destination is biased or there is a force in the financial plan, it will fail for a long time.
However, the long term is important because it is possible to secure the working time of compound interest.
A = P(1 + r)^n| Signs | 意味 |
|---|---|
| P | 元 |
| r | 利回り |
| n | Year |
| A | Future assets |
Even the same yield, the difference between 5 and 20 years is larger. Therefore, it is important to make "the amount that you do not have to 。 on the way" as much as the stock selection in the long-term investment.
2. Investment
Integrating investment is a method to regularly invest the amount determined, such as 10,000 yen per month and 30,000 yen per month.
The goodness of the product is to separate the timing of buying.
When the price is high, it is easy to buy a lot. This is called the dollar cost average method.
However, the real strength of 数学ity investment is in action than mathematics.
When beginners start investing, it is a problem that "w can I buy now?" High value It seems that the s are coming. I'm worried about the news.
You can reduce this misunderstanding.
| Benefits of investing | 内容 |
|---|---|
| Reduce timing decisions | How to make monthly purchases |
| Easy to start | Easy to adjust according to household meter |
| Easy to continue when dropping | Set rules in advance |
| Reduce emotional sales | It becomes difficult to move by the darkness of the place |
If you use it, it is better not to be too big from the beginning.
Even if it is ideal for 50,000 yen a month, it is better to start with 10,000 yen a month if the household is not good. It is a destination that you can continue from the size of the amount.
3. Decentralized investment
Distributed investment is a way to divide into multiple items, not focusing on one product or one brand.
The purpose of dispersion is not to aim for the highest return.
It is not fatal damage even if it is removed.
Any outstanding company, any popular asset, or any other reason. Deterioration of performance, interest rate rise, regulation, exchange rate, economic recession, investor failure. It is difficult to avoid all in advance.
There are several cuts in dispersion.
| Types of Dispersion | Example |
|---|---|
| Asset Dispersion | Stocks, Bonds, Cash, Credit Cards, etc. |
| Region Dispersion | Japan, USA, developed countries, emerging countries, the world, etc. |
| Industry Dispersion | IT, finance, consumption, pharmaceutical, capital, etc. |
| Currency Dispersion | Yen, US Dollar, Euro, etc. |
| Time Dispersion | Avoid monthly and bulk investment |
I think that the number of products is dispersed.
For example, if you have three similar U.S. stock index funds, you will not have much subtle dispersion.
It is easy to organize by thinking from the first place to determine the asset allocation. Is it possible to increase shares or include bonds and cash? The investment result is not only a small product selection, but also a significant influence on this distribution.
4. Low cost operation
The fourth is low-。 operation.
Even if long-term,積umulation and dispersion are possible, if you choose a high- product, the operation results can be cut down little by little.
For example:
| Cost | 内容 |
|---|---|
| Trust reward | Exp s ing investment trusts and ETFs |
| Purchase fee | Costs when buying and selling |
| Forex Cost | Costs when buying foreign assets |
| Spread | Substantial cost due to differences in sales and buy value |
| Taxes | Tax burden when profits and dividends out of Nで |
This is the cost of every year.
The difference of 1% of the year is small if you see only one year. However, after 20 and 30 years, the difference is considerably sharpening the growth of compound interest. Investor Relations Gov explains that even if the commission is small, it can have a significant impact on the portfolio over the long term.
It is practical when considering low cost.
- Is there a low trust compensation for similar investments?
- Is there too high transaction fees or foreign exchange costs?
- Is it possible to pay even if you buy monthly?
- Is there any other cost behind "free of charge"
The cost is quite different from future returns. The foundation of the investment is pretty tight just by 雑king here.
What happens when原則 four principles
The basic form for beginners is quite simple.
- Select Low Cost Index Funds and ETFs
- rate an un onable amount every month
- If the stock is too biased, you can also combine bonds and cash
- More than 10 years
For example, it is easy to incorporate long-term, accumulative, and dispersion of investment trusts in global stocks. You can choose a low- product from the point of view.
However, you don’t have to turn your investment into life defense funds.
Investments are funded by margin. If you put the money you use within a few years, the money you prepare for the出出, and the money you need for the month when the household is not good, it will be sold when the market falls.
Figure: Four Principles
Common failures for beginners
If you know the four principles, the following failures occur:
Failure 1: Let’s increase largely in a short period
If you try to increase largely in a short period of time, it will be easier to close to products with high value movement.
It’s fun if you go well, but it’s also great when you go down. First of all, it is better to see "I can continue even if it is down" than "possibility to stop".
Failure 2: Select products without cost
If you choose only rankings and advertisements, it will be easier to find costs.
Trust fees, transaction fees, and exchange costs. Even if one looks small, it will work long. In particular, the cost difference is quite important for products linked to similar indexes.
Failure 3: Deviated with being dispersed
Even if you have several investment trusts, if you have only a large U.S. stock, the concentration of U.S. stock remains high.
See the contents not the product name. Find out which region, what assets, and how much the currency is deviated to make it easier to see the decentralization.
Failure 4: Buying or selling on SNS
The story of successful people is noticeable on SNS.
I think that it is only delayed when I see posts such as "It was a big profit with this brand" and "This is strong now". If you buy it out of schedule, your investment policy will be broken.
SNS is a source of information, but it is dangerous to make investment decisions.
The first thing to decide in the new NA
New NA offers tax-free investment opportunities. The NA special page of the Financial Services Agency provides information on the basics of asset formation and the simulator.
However, the first thing to decide is how to fill the frame.
The following three things you want to decide:
| Contact Us | Example |
|---|---|
| Purpose | Post-age funds, educational funds, and funding |
| Price | How much can you keep every month? |
| 配分 | How much shares, bonds and cash are made |
If you have a frame, you will want to use it soon.
However, it does not continue to start with the amount that is not suitable for the household. N、 is a convenient system, but not the risk of investment itself.
Start with a small amount. It is easy to increase if you are used to it. Once the allocation has expired, check it once a year. It is enough for beginners even in this way.
The four principles of investment are long-term,積umulation, dispersion, and low-.
Long-term use of time, separating timing, reducing risk by dispersing, reducing unnecessary burden at low cost.
The combination of these four will make it easier for beginners to continue investing.
Investment is not a one-off chance.
In order to increase再現roducibility, it is to create a mechanism that can be continued rather than predicting. The first step is not派. Uninterruptible amount, dispersed goods, low cost. It is現実 to start from there.
Reference
- Investor.gov, Understanding Fees
- Investor.gov, Diversification
- Investor.gov, Compound Interest Calculator
- Date: 2026-05-28