RetireJapan wrote: ↑Tue Sep 28, 2021 7:16 am
Mirei wrote: ↑Tue Sep 28, 2021 6:53 am
Hi guys, looking for an advice for investing outside of NISA & iDeco, particularly on Tokutei account.
Currently my setup is as follows. Though all these are still in procedures and not effective yet.
Tsumitate NISA : 100% eMAXIS Slim 全世界株式
iDeco : 90% Global (ex.Japan) + 10% Japan
Would it be a good idea to put monthly spare funds into even more 100% eMAXIS Slim 全世界株式?
Or would it be better to put it into different places... 100% Vanguard Global, or perhaps a completely different eMaxis market such as Developed Countries?
May I kindly ask your recommendations and why?
Thank you in advance!
If you are happy with your current portfolio, I don't see any problem with buying more eMaxis Slim all-country in your taxable account. That is my approach -buy the whole world, don't really make any judgements as to which countries will do better but own all of them.
Personally I like dividend stocks so I put some of my portfolio into that. But most of it is in global index funds.
Global Equities are always a good bet. The rule of thumb, of sticking with diversified, low-cost funds is always a good one.
The Vanguard fund will cost you a few more bips, but it comes with exposure to 5000 more stocks, including more small-cap exposure. More Emaxis is also a good call.
You could consider
1. REIT allocation (The allocation in a Global equity fund is only 2-3%)
2. If you are over 50, you may want to look at bond funds.
......
On the note of "fun money", I am not a fan of picking individual stocks, as the data is very clear that is a bad idea.
Instead, I focused on leveraged index funds and risk parity. Basically, taking a passive strategy, and adding a bit of juice.