私事ですが、今年で26歳になりました。
さらりそんな思いでようやく積み立てNISAの口座を開設しました。（実際の積み立ては5月からスタート）
今回は積み立てNISAを始めなきゃと思った理由や、現在の貯金額について書いていこうと思います。
こんな方におすすめ
- 投資に興味がある（銀行預金が時代遅れだと気づけた）
- 出来るだけリスクは抑えたい
- 20代サラリーマン
そもそもなぜ投資をする必要があるのか？
それはシンプルに銀行にお金を預けても増えないからです。
銀行はお金を預ける場所ではなくなった
「お金は銀行に預けておくもの」
そんな固定観念が子供の頃から植え付けられていました。
家に置いておくのはリスクがあるし、そもそも会社からの振込も銀行口座に振り込まれます。
そして何より昔は銀行に預けるだけでお金が増える時代だったことが大きいと思います。
出典：日本銀行
年利6％をそのまま複利運用すれば、約12年で2倍近くになります。
さらり
しかし最近は、ご存知の通り利息はゴミのような金額になっています。
仮に100万円預けても年間の利息は10円です。
さらりと思っている方は、ATMで手数料を支払ってお金を引き出したりしていませんか？
もしそうであれば、銀行に預けることでお金が減っているという感覚に気づくべきです。
銀行はお金の預ける場所ではなく、手数料を支払って預かってもらう場所になってしまいました。
投資は国が勧めている
少し前に「老後2,000万円問題」という言葉が流行りましたが、金融庁が以下のような報告をしました。
- 夫65歳、妻60歳の時点で夫婦ともに無職である。
- 30年後（夫95歳、妻90歳）まで夫婦ともに健在である。
- その間の家計収支がずっと毎月5.5万円の赤字※である。
上記前提のもと、下記のような平均的な支出を計算すると2,000万円足りないというものです。
（出所）総務省「家計調査」（2017年）
さらり
そして2018年、積み立てNISAという制度が誕生しました。
内容を簡単にいうと、「少額からの長期の積み立て・分散投資をするならそのお金に税金はかけないよ」というものです。
そしてこの積み立てNISAの対象となる商品は金融庁のお墨付き⇨比較的安心な投資商品です。
つまり、国が投資を後押ししているのです。
複利の偉大さに気づいた
かの有名なアインシュタインは、「複利は人類最大の発明」と言っています。
出典：Wikipedia
そして私自身も最近複利の偉大さに気づく出来事がありました。
私の会社では「社内持株制度」があり、給料から天引きで持株を購入すると会社が10%上乗せしてくれます。（非上場ではありますが。）
つい最近までは、
さらり
改めて考えてみると、
さらりと思い始めました。
毎月2万円積み立てるとして、年利3％の複利で投資をした場合と、単利10%の持株を買い続けた場合を簡単に比較してみました。
| 利率 | 積立額（年） | 1年 | 2年 | 3年 | 4年 | 5年 | 6年 | 7年 | 8年 | 9年 | 10年 |
| 3％複利 | 240000 | 247200 | 501816 | 764070 | 1034193 | 1312418 | 1598991 | 1894161 | 2198185 | 2511331 | 2833871 |
| 10%単利 | 240000 | 264000 | 528000 | 792000 | 1056000 | 1320000 | 1584000 | 1848000 | 2112000 | 2376000 | 2640000 |
結果は、6年目以降で複利3％の方が上回り、10年目では20万円近い差が出るという衝撃的なものでした。
当然積み立てる額や期間が長くなればそれだけ差が出ます。
出典：リベラルアーツ大学
投資は当然マイナスになるリスクがありますが、
「預けるだけでマイナスになる可能性がある銀行預金をするくらいなら積み立てNISAを買おう」という結論になりました。
積み立てNISAの始め方
積み立てNISAを始める流れとしては、
楽天証券かSBI証券の2択！
マイナンバーが必要
楽天証券なら運用成績やランキングからも選べます。
の3ステップです。
詳しい開設手順やオススメの銘柄はリベ大が非常に参考になります。
私は楽天証券で口座を開設し、「楽天・全米株式インデックス・ファンド（楽天・バンガード・ファンド（全米株式））」に毎月33,333円積み立てる設定を行いました。
さらり
運用成績
そして実際に初めて2ヶ月目の運用成績です。
| 時価評価額 | 評価損益 |
| 67,975円 | +1,309円 |
33,333円の積立2ヶ月分で、+1.96%の増加率です。
さらり
今後も定期的にお伝えしたいと思います。
20代サラリーマンの貯金額公開
ついでに、現在私が所有している金融資産を全て公開します。
|
集計日
|
現金 | 電子マネー・ポイント | 投資商品 |
合計
|
|||||
| 財布 | 楽天銀行 | ゆうちょ銀行 | みずほ銀行 | PayPay | Suica | 楽天ポイント | 投資信託（積立NISA） | ||
| 2021/06/14 | 22,864 | 265,735 | 95,229 | 49,389 | 255 | 5,613 | 6,323 | 67,975 | 513,383 |
資産状況内訳
さらり
銀行口座が3つありますが、下記のように用途を分ています。
- 楽天銀行：給与が振り込まれるメイン口座。
- ゆうちょ銀行：ブログの収益が振り込まれる口座。毎月の給料の内2万円をこちらに入金してもらい、奨学金の支払いに利用。
- みずほ銀行：ルームシェアの家賃引き落とし等にしている口座。友人と一緒に預金をしているため、2分1の金額で計算。
社会人4年目（26歳）でこの額は少ないと思うので、支出の見直しを徹底したいと思います！
コメント
コメント一覧 （80件）
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