Since I'm using shinsei for my normal account, I did in the past look into using it for investments, but I can confidently say, NO. Stay away from investing with shinsei, their line up is full of high-fee crap.
As others have pointed out you seem to be missing out on some of the basics.
gaijinkun wrote: ↑Thu Oct 24, 2019 1:22 am
Is my understanding correct? To buy funds with expensive fees under tax free Nisa is better than buying low-fee funds. Whereas low-fee funds I can buy extra after my yearly 1,2 m NISA limit is over.
No, it's wrong. Fees and taxation are completely separate. You still pay fees in a tax-free fund. In general, high-fee products are just bad. It's like running while carrying extra weight. Anything over 0.2% management fees should probably be a red flag.
"Diversification" means diversifying what you are invested in. Buying the same stuff from multiple banks is not diversification.
To diversify you want to a) hold financial devices in multiple geographic areas b) hold multiple industries c) hold multiple types of device(some people will go simple stock/bonds, though some like to add reits and commodities). Diversification stabilizes your portfolio by seeking multiple devices with low correlation to one another. Generally the easiest way to diversify is to buy index funds that are already diversified(eMaxis slim world would be a safe place to start for stocks)
A good place to get started to better understand this might be "A random walk down wall street"
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