Selecting Funds for an SBI Select iDeCO

[nickendo]

Thanks for all your comments.

I've taken on board your advice. Here are the funds I think I’m going to go for:

eMAXIS Slim Advanced Countries Equity Index
https://www.dcnenkin.jp/search/product. ... e=03319172
ｅＭＡＸＩＳ Ｓｌｉｍ先進国株式インデックス
65%

eMAXIS Slim Emerging Market Equity Index
https://www.dcnenkin.jp/search/product. ... e=0331C177
ｅＭＡＸＩＳ Ｓｌｉｍ新興国株式インデックス
15％

eMAXIS Slim Domestic Equity (TOPIX)
https://www.dcnenkin.jp/search/product. ... e=03317172
ｅＭＡＸＩＳ Ｓｌｉｍ国内株式（ＴＯＰＩＸ）
10％

eMAXIS Slim Developed Country Bond Index
https://www.dcnenkin.jp/search/product. ... e=0331A172
ｅＭＡＸＩＳ Ｓｌｉｍ先進国債券インデックス
10％

Does this look like a fairly well balanced selection?

[adamu]

Considering the lacklustre performance for the past 5 years, I'd probably leave TOPIX out.
Considering the current state of the world I wouldn't buy any emerging markets too.

You can pick today's winners, but that doesn't mean they'll be tomorrow's. That's why I just buy the world.

I recently (re-)read this Monevator article about world trackers. The top few comments are especially poingant, especially the points about chasing performance. Only 10 years ago people were abandoning the US and going overweight on emerging markets. It reminded me of Jansen's comment here. Could be worth checking out.

https://monevator.com/how-to-chooose-to ... -trackers/

Of course the fund recommendations in that article are UK-specific, but the other replies in this thread discuss equivalents for Japan.

[nickendo]

Thanks for your comment.

I have taken on board your suggestion re-emerging markets, but only 15% on the eMAXIS Slim Emerging Market Equity Index. Hopefully that makes sense.

I'm just about to submit all the paperwork this week, so if anyone has any tweaks they suggest, I'd be grateful for suggestions. Otherwise, I'll go with the 4 funds and ratios as outlined above.

Once again, thanks very much to everyone who has offered guidance.

[TelecInvestor]

Hey guys, slightly offtopic but couldn't find this on the SBI page. Does SBI charge for any deposit or transfer from your account?

I see that the proudly announce 0 yen for management and opening the account, but not sure what about changing your allocation and get the money invested into the selection (like on NISA) either...

This is the most detailed page I found about it: https://site0.sbisec.co.jp/marble/multi ... m6=dc.flow