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Three major principles that beginners want to remember first are generally three:
- LongTermInvestment
- Decentralized investment
- Investment
This 3 is not a backwasher to make a big profit in a short time.
It is a basic design that does not stop investment in the middle. It is less likely to be spun off in the value movement, which makes it easier to reduce the failure to bet too much in one product or one time.
Even if you start investing in a new NA, it is quite easy to decide that you want to hold this 3.
The Three Major Principles of Investment
Three main principles of investment are long-term, distributed and integrated.
| Principle | What to do | Purpose |
|---|---|---|
| LongTermInvestment | 10 years, 20 years | It is difficult to sprinkle with short-term movement |
| Decentralized investment | Multiple investment destinations | Do not collapse greatly with one failure |
| Investment | Buy regularly every month | Don’t focus on the timing of buying |
There is only one meaning.
However, it is easy to handle for beginners. For example, we have accumulated a global stock-type investment trust every month. Even with this, you can considerably incorporate long-term, distributed, and integrated thinking.
1. Long-term investment
Long-term investment is a way to raise assets for a long period of time, such as 10 years and 20 years, without seeking results in weeks or months.
That’s why it doesn’t mean that you can make money if you have a long time. If you make mistakes on how to choose your investment destination, it will fail even in the long term. If you put too much money on a product with a high value movement, you may not be able to bear on the way.
However, long-term investment is said to be a beginner, so short-term noise can be kept away.
In the short term, the price will move greatly due to interest rate, exchange rate, news, financial results, SNS topic, overseas market suddenly. If you look closely, it will be fun when you go up. It is quite natural reaction.
In the long term, the growth and dividend of corporate profits, the expansion of the entire economy, and the effects of compound interest are reduced by little.
The profit is a mechanism that generates the following profit. The image can be expressed as follows:
A = P(1 + r)^n| Signs | 意味 |
|---|---|
| P | 元 |
| r | 利回り |
| n | Year |
| A | Future assets |
For example, in the same yield, the effect of compound interest is larger than 5 years. Therefore, it is very important to design that does not throw in the middle of long-term investment.
2. Decentralized investment
Distributed investment is a way to invest in multiple units, not focusing on one symbol or one asset.
The purpose of dispersion is not to take the highest return. It will not cause fatal damage even if failed.
For example, if the majority of assets are put on a single share, the damage will be quite large when the company has a bad material. Deterioration of business performance, 祥s, regulatory changes, exchange rate, interest rate, and industry environment. Even a well-known company can’t fully read the future.
There are several types of 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, financial, pharmaceutical, consumer, capital, etc. |
| Currency Dispersion | Yen, US Dollar, Euro, etc. |
| Time Dispersion | Avoid monthly and bulk investment |
Note that the number of products will not be dispersed.
Even if you have five similar U.S. stock funds, the dispersion effect is limited if the content is almost the same. Beginners are easy to organize by looking at "Regional", "Asset" and "Time".
3. Investment
Integrating investment is a method to regularly invest the amount determined, such as 10,000 yen per month and 50,000 yen per month.
Compared to b investment, it isが特徴ですd to divide the time to buy. When the price is high, it is easy to buy a lot, and this is called the dollar cost average method.
However, it is not all-purpose investment. There is a case that it is better to buy at once at the first time if the market is upright.
However, it is because it reduces the burden of timing decisions.
When you just started investing, it is easy to understand by “whether it’s high now,” “w should you wait a little more?” and “w。 should you do if you’re out of the box?” If you buy a monthly automatic purchase, you will be able to reduce the lost.
| Our Strengths | 内容 |
|---|---|
| Separate timing | It is easy to reduce risk of high-value exposure at once |
| Easy to automate | Reduce monthly fatigue |
| Easy to start | Easy to adjust according to household meter |
| It is easy to continue to buy even when it crashes | It is easy to continue if it is ruled beforehand |
In reality, it’s not the first setting that’s hardest.
It is not stopping when it is down. If you’re scared, you’ll need to make a half of your生活umulation. If you don’t have to spend your life, you’ll stop temporarily. However, you won’t stop it if you’re getting down. If you decide this rule first, it will be quite easy.
What happens whenを three major principles
Three major principles make it easier to understand the effect when combined.
For example:
- Select a global stock investment trust
- Stack a fixed monthly amount
- More than 10 years
In this case, we disperse the region and symbols with the global stock type product, disperse the time to buy in the monthly market, and make it difficult to penetrate into short-term business movement with long-term holding.
This is a basic form that is often used in asset formation for beginners.
Of course, the same product is not suitable for everyone. It is dangerous to put in stocks such as the time of use as educational funds, residential funds used within a few years, and life defense funds.
The investment is from the unplanned money. If you make a mistake here, you can choose the right product.
Figure: Three Major Principles
Common failures for beginners
If you are aware of the three major principles, you will start investing. There are three common failures:
Failure 1: Get results in a short period
If you are trying to increase the product in a few months, you will be able to see high-risk products.
Short-term targets can be greatly lowered. First of all, it is better to see "Can you continue even if it is down?" than the speed of increasing.
Failure 2: Focus on topical products
Popular stocks on SNS, top-ranked investment trusts, and recently rising them. All are easy to see.
However, there are cases where you are already buying quite a lot when it is a topic. It’s natural to be interested, but it’s a different problem if you want to know the majority of your assets.
Failure 3: ing in crash
In long-term investment, the fall of the middle is normally occurring.
The problem is that it starts with the amount that can not withstand the fall. If you can’t sleep when you drop 30%, the share ratio may be too high.
Investment is not a concern. It is the most現実 in the end to make money that suits household, cash, and investment purposes.
New Nisa
New NA is an easy-to-use system for long-term asset formation. The Financial Services Agency also provides information on the basics of asset formation and the simulator of NA.
However, it is not necessary to fill the frame in a rush because there is a system.
Beginners tend to spend too much money on their accounts. Nissa is convenient, but it is not a system to invest in living expenses and emergency funds.
Start with a small amount. If you get used to it, let’s look at the立umulation. When the product is too large, it will be organized. It’s easier to keep the temperature.
The three main principles of investment are long-term investment, decentralized investment, and integrated investment.
This is not a派. It is not a big story.
However, it is a very strong idea for beginners to remain on the market. It is because it is difficult to sprinkle with short-term movement, and it is not too bet on one product, and the timing of buying is also divided.
No need to make a perfect portfolio from scratch.
First of all, make the decentralized product a long, un onable amount. At the entrance of investment, it is a big step.
Reference
- Investor.gov, Diversification
- Investor.gov, Compound Interest Calculator
- Date: 2026-05-28