7 preferred stocks for beginners View by benefits + dividends + business strength ion mcdonalds HD KDDI NTT big camera Toridoll HD Hulic order of selection Are the benefits to be used? → Can the conditions be met? → View performance Don't make investment decisions based on benefits alone Check changes/abolitions, stock price declines, and long-term holding conditions

Select shareholder-benefit stocks based on whether they can be used

Shareholder benefits are a system that brings investment closer to daily life.

Meal coupons, shopping coupons, points, catalog gifts, discount cards. It's easier to see than dividends, and it's also more fun when you receive it.

However, the value of benefits varies greatly from person to person.

For example, an owner's card is practical for people who use Aeon every week. On the other hand, it is difficult to use for people who do not have an Aeon store nearby. The same goes for McDonald's and Marugame Seimen; unless there are stores in your area, it's hard to appreciate the face value.

I would like to view preferred stocks in the following order:

1. Is this a benefit that I would actually use?
2. Can you meet the shareholder benefit conditions?
3. Can I check dividends and performance?
4. Can you accept the risk of changing or abolishing benefits?
5. Can I hold the stock even considering the risk of stock price decline?

Benefits should be the final step in making an investment decision, and should not be used as the first reason.

7 preferred stocks that are easy for beginners to consider

Here, we will highlight seven stocks with emphasis on benefits that are easy to use in daily life, easy to understand business details, and compatibility with long-term ownership.

BrandCodeMain benefitsEasy to use
Aeon8267Owner's CardPeople who often use Aeon, Maxvalu, etc.
McDonald's Japan HD2702Preferential meal couponsPeople who eat out as a family and people who often use McDonald's
KDDI9433Select from Ponta points, etc.People who use Ponta, au PAY Market, Lawson systems
NTT9432d PointsPeople who want to look at telecommunications stocks from a small amount, d Point users
Bic Camera3048Shopping couponPeople buying home appliances, daily necessities, games, etc.
Toridoll HD3397Shareholder Benefit CardPeople who often use Marugame Seimen, etc.
Hulic3003Catalog gifts, etc.People who want to enjoy catalog benefits with the assumption of long-term ownership

Even though it's "for beginners," it doesn't mean it's suitable for everyone.

Some stocks, such as KDDI, NTT, and Hulic, have strict conditions regarding holding period and number of shares held. Please note that I am not the type of person who buys at the last minute and immediately receives shareholder benefit.

1. Aeon (8267)

Aeon is a stock that is close to a classic preferred stock.

On the official page, it is announced that Aeon Owner's Cards will be issued to shareholders who own 100 or more shares as a benefit upon vesting of rights after the end of February 2026, and that 1% to 7% of the purchase price will be returned every six months depending on the number of shares held.

There are conditions for eligible payment methods and eligible stores. The amount of purchases that can be refunded over a six-month period is up to 1 million yen, including purchases made with family members' cards.

suitable person

  • Daily use of Aeon, Max Valu, My Basket, etc.
  • Large expenditures on food and daily necessities
  • You can create ways to use it, including family cards.
  • Easy to reflect discounts and refunds in household budget management

Points to note

It is difficult to use for people who do not have an Aeon store nearby. An owner's card is not a card that gives you benefits just by having it, but it only becomes valuable when you actually make a purchase at a participating store.

In addition, the official Aeon page clearly states that stock investments involve the risk of price declines and that decisions are at one's own risk. Even if shareholder benefit is practical, stock price risk needs to be looked at separately.

2. McDonald's Japan Holdings (2702)

McDonald's Holdings Japan is a representative company that offers special benefits for eating out.

The official website offers shareholder benefit tickets that include six vouchers each for burgers, side dishes, and drinks.

However, currently only shareholders who hold 100 or more shares and have held them continuously for more than one year are eligible. A shareholder who has held 100 shares or more continuously for one year or more is defined as a shareholder whose ownership of 100 shares or more is listed or recorded in the shareholder register on June 30th and December 31st with the same shareholder number three or more consecutive times.

suitable person

  • My family often uses McDonald's
  • I would like to cover part of my eating out expenses with shareholder benefit.
  • Acceptance of continuous holding conditions for 1 year or more
  • You can manage the expiration date of complimentary coupons

Points to note

It's not a stock that you can buy at the last minute and get instant benefits.

Additionally, the official page states that it cannot be used with delivery services, mobile orders, or self-order kiosks. If you're going to actually use it, you'll want to check the ordering process at the store.

Since it is a restaurant stock, raw material costs, labor costs, foreign exchange rates, customer numbers, and reactions to price increases also affect performance. The ease of using coupons and the cheapness of stock prices are two different things.

3. KDDI (9433)

As a major telecommunications company, KDDI is a stock that can be easily viewed for dividend purposes.

Regarding the shareholder benefits for 2026, the company has introduced a system where you can choose from Ponta points, Lawson/Seijo Ishii product sets, donations, etc.

However, those eligible for gifts in fiscal 2026 are shareholders who are listed in the shareholder register as of March 31, 2026, and who have held 200 or more shares for at least one year. It is equivalent to 2,000 yen for 1 year to less than 5 years, and 3,000 yen for 5 years or more.

suitable person

  • Use Ponta points and au PAY market
  • There is a prerequisite for holding telecommunications stocks for the long term.
  • I want to see both dividends and benefits
  • Understand the conditions for more than 200 stocks and more than 1 year

Points to note

It's easy to misunderstand in the first draft, but KDDI does not offer "immediate benefits if you buy 100 shares."

To receive Ponta points, you will need an au ID linked to your Ponta member ID. To exchange for au PAY Market limited points, you must register as a member with the applicable au ID.

Point benefits are convenient, but if you forget the procedures, ID linkage, and application deadlines, you will end up wasting your money.

4. NTT (9432)

NTT is easily viewed as a telecommunications stock that is easy to buy with a relatively small amount.

The official page states that d points will be awarded to shareholders who own 100 or more shares and meet a certain holding period, with March 31, 2026 as the record date.

The conditions are 1,500 points for 2 years or more but less than 3 years, and 3,000 points for 5 years or more but less than 6 years. The maximum number of points that can be earned with the same shareholder number is 4,500 points, which are not awarded every year.

suitable person

  • Use d points regularly
  • I want to look at telecommunications stocks from a small amount
  • Can be assumed to be held for a long time
  • I want to prioritize dividends and business stability more than shareholder benefit

Points to note

NTT's d Point benefits are not something you can get every year.

If you think, ``It's easy to buy for a small amount, so it's easy to get shareholder benefit,'' you run into trouble when it comes to holding period conditions. Rather than buying a stock just for the perks, look at its communications infrastructure business, data center investment, dividend policy, and financials.

5. Bic Camera (3048)

Bic Camera is a brand with easy-to-understand shopping discount coupons for electronics retailers.

The official website provides information on the shareholder benefit system for shareholders from the end of February and the end of August. You can receive shopping coupons for 100 shares or more, and as of the end of August, there are additional benefits depending on the period of continuous holding.

suitable person

  • Use Bic Camera, Kojima, Sofmap, etc.
  • Plan to purchase home appliances, daily necessities, games, alcoholic beverages, stationery, etc.
  • You can manage the expiration date of shopping coupons
  • I would like to consider long-term ownership shareholder benefit.

Points to note

Electronics retailers are affected by inbound demand, e-commerce competition, point rewards, inventory turnover, and gross profit margins.

Complimentary coupons are easy to use, but if you make unnecessary purchases in order to use the discount, you won't save money. This is a benefit that is more likely to be worth it to those who actually plan to buy it.

6. Toridoll Holdings (3397)

Toridoll Holdings is a restaurant company that mainly operates Marugame Seimen.

The official website states that shareholders who own 100 or more shares as of March 31st and September 30th of each year will receive a shareholder benefit card that can be used at domestic stores.

The gift criteria is 100 to 200 shares worth 3,000 yen, 200 to 1,000 shares worth 4,000 yen, etc. In addition, additional gifts will be given to shareholders who have held 200 shares or more for more than one year.

suitable person

  • I often use Marugame Seimen
  • I want to use dining out benefits with my family.
  • Can manage card-type benefits
  • I would like to consider long-term holding benefits for 200 or more stocks.

Points to note

Shareholder benefit cards are convenient, but there are restrictions on where they can't be used and how they can be used. The official page provides information on some stores that use ticket vending machines and where the ticket cannot be used.

As a restaurant stock, it is essential to check personnel costs, raw material costs, store operations, overseas expansion, and same-store sales. I would like to consider separately whether I like Marugame Seimen and whether it is cheap as an investment.

7. Hulic (3003)

Although Hulic is a real estate company, it is known to individual investors for its catalog-type shareholder benefits.

On the official page, there will be some changes to the shareholder benefit system starting from the record date of December 31, 2025, and the new content will include a system where you can choose two items from a gourmet catalog gift worth 3,000 yen or a Hulic Hotel Group facility usage ticket, worth a total of 6,000 yen.

However, holding over 300 shares and long-term holding conditions are required.

suitable person

  • I like catalog gift type benefits.
  • Can be assumed to be held for a long time
  • I also want to understand the impact of interest rates on real estate stocks.
  • Allows investment amount of 300 shares or more

Points to note

Hulic is not a stock that beginners buy with the idea of ​​``getting instant benefits for a small amount.''

There will be system changes starting from the record date of December 31, 2025, and it is easy to make a mistake if you make a decision based only on the previous conditions. Catalog gifts are attractive, but you'll want to check the investment amount, holding period, and real estate stock risk if interest rates rise.

Three criteria for choosing preferred stocks

Beginners can reduce their chances of failure considerably by following the following three points.

StandardsWhat to seePoints that can easily stumble
Do you usually use it?Do you actually use stores, services, and points?There are no stores nearby, or you can't use them within the deadline
Should I check the dividends and performance?Sales, profits, dividend policy, and financialsI would buy based on the preferential yield alone
Can you meet the conditions?Number of shares, holding period, shareholder number, application deadlineOverlooking long-term holding conditions

When it comes to preferential investments, it is easy to make mistakes when looking only at the face value.

Even if there is a shareholder benefit worth 5,000 yen, it will easily be wiped out if the stock price drops by 50,000 yen. When a change or abolition of shareholder benefit is announced, investors who bought for shareholder benefit may sell.

Benefits are fun. That's why it's easy to forget about stock price risk.

If you look by lifestyle

“Which one is the most recommended” will depend on your lifestyle.

LifestyleEasy-to-read brands
I often use Aeon supermarketsAeon
Families often use McDonald'sMcDonald's Japan HD
Using Ponta・au PAY MarketKDDI
Use d pointsNTT
Buy home appliances and daily necessities at Bic Camera storesBic Camera
I often use Marugame SeimenToridoll HD
I want to enjoy catalog gifts for a long timeHulic

When choosing your first stock, it's better to look at your area of life first, rather than looking at your brokerage account.

Is there a store near your home? Will my family use it? Can it be consumed within the expiration date? Can I remember to complete the application and application procedures?

A shareholder benefit that doesn't suit you is not suitable for you, no matter how popular it is.

summary

When choosing preferred stocks for beginners, it is realistic to start with stocks that are easy to use in daily life, easy to understand the system, and easy to check long-term holding conditions.

It's easy to imagine how benefits that are closely tied to daily life, such as Aeon, McDonald's, Bic Camera, and Toridoll, can be used. On the other hand, it is important not to misread the long-term holding conditions and required number of shares for KDDI, NTT, and Hulic.

The order in which to look at preferred stocks is as follows.

Benefits details
  ↓
Do I use it myself?
  ↓
Can the conditions be met?
  ↓
Dividends/Performance/Finance
  ↓
Stock price risk

Perks make investing fun.

However, don't make your investment decision based on benefits alone. I would like to consider only stocks that have a reason to last for a long time by looking at dividends, performance, financials, stock price level, and risk of changes in shareholder benefit.

reference