RetireJapan

I am planning to make my first purchase outside of my tax-advantaged accounts.

30万-eMAXIS Slim 全世界株式（オール・カントリー）
２０万ーたわらノーロード　先進国債券

I have 2 quick questions.

1. Do I have the right kind of account to make filing taxes a bit easier? (see attached image).

2. My understanding is that these funds are bought at the end of the day after trading is over. Is there any data to suggest that there might be a slightly more optimal day to purchase?

Also if anyone has any feedback on my fund choices or general advice I would be more than happy. I am currently maxing both my iDeco and Nisa monthly.

Looks good I think! My reading of that is that you have a tax-deducting and declaring taxable account, so they will do your taxes for you and in principle you don't need to do anything else in terms of filing taxes.

No idea about timing, I just buy when I have money

There is some evidence for the US market that stocks tend to be down on Monday and tend to go up on Fridays so Monday might be a better day to buy. In practice I always just buy as soon as I have funds in order to resist the temptation to market time.

https://www.investopedia.com/day-tradin ... de-stocks/

For international funds the price is fixed on the next day. Also, the US markets are a day behind. So, if the stocks in the US were down on Monday, this would show up in the fund on Tuesday. To get Tuesday's prices, you'd have to place your order on Monday. (I think!)

Also ｅＭＡＸＩＳ Ｓｌｉｍ 先進国債券インデックス has a slightly cheaper ER (0.154% vs. 0.187%). Otherwise it all looks good.

fools_gold wrote: ↑Sat Jul 25, 2020 12:26 am For international funds the price is fixed on the next day. Also, the US markets are a day behind. So, if the stocks in the US were down on Monday, this would show up in the fund on Tuesday. To get Tuesday's prices, you'd have to place your order on Monday. (I think!)

Also ｅＭＡＸＩＳ Ｓｌｉｍ 先進国債券インデックス has a slightly cheaper ER (0.154% vs. 0.187%). Otherwise it all looks good.

Thank you! That fund does look better. I decided to go with it!

注文日時 2020年7月26日 21:11

保有商品一覧への反映は、2020年7月29日です。

Kanto wrote: ↑Sun Jul 26, 2020 12:48 pm The All Country fund is going to take 5 business days or so? I assume they have to buy all the different segments separately? It takes longer with NISA as well. Never be in a hurry to buy/sell that fund I guess.

It takes 5 days for the funds to show up, but the order is executed the the next working day (for orders placed before 3pm). That's the day when the price is set.
From my order history: Order date 3/31, execution date 4/01. delivery date 4/07. Price 9,029
This was in a NISA, but orders in a tokutei account don't seem to be delivered any quicker.

fools_gold wrote: ↑Sun Jul 26, 2020 1:18 pm

Kanto wrote: ↑Sun Jul 26, 2020 12:48 pm The All Country fund is going to take 5 business days or so? I assume they have to buy all the different segments separately? It takes longer with NISA as well. Never be in a hurry to buy/sell that fund I guess.

It takes 5 days for the funds to show up, but the order is executed the the next working day (for orders placed before 3pm). That's the day when the price is set.
From my order history: Order date 3/31, execution date 4/01. delivery date 4/07. Price 9,029
This was in a NISA, but orders in a tokutei account don't seem to be delivered any quicker.

Oh! This explains it. Thank you!

I was thinking about hte timing as well this week. Especially in these trouble times it is hard to say. I would not buy on a friday anymore because the orders will be placed on Monday and many things can happen in the week-ends. I now prefer to see what is happening on Monday and order in the Monday afternoon or Tuesday so then the order is completed in the middle of the week or so.