I applied for an SBI account and I got a lot of links and information about the funds line-up for iDeCo, which is impressively long and they are providing the information for each and every one of them, along with the past month rentabilities. I have to say that it's an overwhelming piece of information (76 pages of report!!!).
I was trying to get through some of this information and I came up with my first pre-portfolio. I just wanted to share with you guys. At least if you are using SBI as your brokerage then you could find it familiar.
These are the funds that I chose:
- 35% for DCインデックスバランス(株式40)… 0.1944 (fee)
15% for DCニッセイ外国株式インデックス … 0.2268 (fee)
15% for iFree NYダウ・インデックス … 0.2430 (fee)
35% for iFree 8資産バランス … 0.2484 (fee)
I did not want to put everything into stocks, so I thought that bonds could also be a part of my portfolio.
I though that the 35% for DCインデックスバランス(株式40) could be not so risky, as only 40% of this balance fund is on stocks (25% Japan, 15%US) and the rest is mostly bunds, as you highlighted. I know I could have chosen the same fund family but with more risk into stocks (株式60)or (株式80).
Also the balance fund iFree 8, according to the SBI report it seems it has:
- 26% in foreign bonds,
24% in foreign stocks,
12% in foreign REIT, 12% in japanese stocks,
12% in japanese bond,
12% in japanese REIT and
the rest is just others.
So I wanted to have like a 70% on this balance funds, and then the rest of the 30% on another stock funds, but as you were mentioning even the balance funds have some positions in stocks (both Japan and US).
One of the things that I liked from the iFree NY (15%) fund is that it wanted to have some product like an ETF for the Dow Jones. The fund compositions is mainly:
- Boeing Co. 7.11%
Goldman Sachs 6.58%
3M Co. 6.02%
United Health Group 5.79%
Apple 4.83%
McDonalds 4.72%
Home Depot 4.44%
Intl Business Machines 4.22%
Johnson & Johnson 3.88%
Travelers Cos Inc 3.60%
...
- Apple 2.43%
Microsoft 1.54%
Facebook 1.13%
Amazon.com 1.11%
Johnson & Johnson 1.01%
JP Morgan 0.92%
Exxon Mobile 0.89%
Alphabet C 0.82%
Alphabet B 0.79%
Nestle 0.74%
Etc,
Do you think that this it also a very aggressive portfolio? Do you have any recommendation about it?
Sorry about me doing that many questions, but as you can see I am kind of a newbie.
Any opinion about it will be highly appreciate it. (I know investment is sort of personal, but I would be glad of having some opinions / thoughts on that).