Good News SBI Investors -> Mutual Fund Fixed Rate Sales (Ala Rakuten)

[Tsumitate Wrestler]

https://randomwalker.blog.fc2.com/blog-entry-5254.html

今までSBI証券の投信定期売却サービスが定額売却しか選べなかったのは、SBI証券の弱点のひとつでした。

積み立て時は、定額積み立て（ドルコスト平均法）が自動的に「相場が安い時に多く買い、高い時に少し買う」ことになり理にかなっているのに対して、取り崩し時は、定額売却すると相場が安い時に多く売却することになり資産寿命を縮めてしまいます。つまり、「積み立てる時は定額、取り崩す時は定率」がセオリーです。

Until now, one of SBI Securities' weaknesses has been that its regular sale service for investment trusts has only offered the option of selling fixed amounts.

When accumulating, the fixed-amount accumulation (dollar cost averaging) method automatically makes sense, as it automatically ‘buys more when the market is cheap and less when the market is expensive’, whereas when withdrawing, selling fixed amounts means selling more when the market is cheap, which reduces the life of the asset. In other words, the theory is to use a fixed amount when accumulating and a fixed rate when withdrawing.

Deepl Struggled with this a bit. You can set a "Tsumitate sell" function. You can set it to a fixed-amount, or in 2025, fixed-rate sales. The fixed-rate setting could help with drawdown and budgeting in retirement.