Allow me to preface this by saying that I am not financially inept, but am embarrassingly investment illiterate. Assume that I am a three year old when it comes to investing, I genuinely could not even telling you what the difference between a stock and a bond is if you asked.
So I have recently transferred to a new company that employs DC, which is a first for me considering my last company did not have such a system in place. All of it seems like stock market-esque stuff that's a little too complex for me. From what I've researched, the lower the fee is, the better and that I should be going for passive equity funds right now. I'm attempting to apply this information into the list of funds that my company is offering.
001ＡＭＯｎｅソムリエＴＹ２０３５
002ＡＭＯｎｅソムリエＴＹ２０４０
003ＡＭＯｎｅソムリエＴＹ２０４５
004ＡＭＯｎｅソムリエＴＹ２０５０
005ＡＭＯｎｅソムリエＴＹ２０５５
006ＡＭＯｎｅソムリエＴＹ２０６０
007ＡＭＯｎｅソムリエＴＹ２０６５
008ＡＭＯｎｅソムリエＴＹ２０７０
009４資産分散投資スタンダードＤＣ
010４資産分散投資ミドルクラスＤＣ
011４資産分散投資ハイクラスＤＣ
012ＤＩＡＭ投資ソムリエリスク抑制
013ＯｎｅＤＣ国内株式インデックス
014三井住友ＴＤＣ日株エクセレント
015年金積立Ｊグロース
016大和住銀ＤＣ国内株式ファンド
017Ｏｎｅ国内株式ＥＳＧファンド
018ニッセイ国内債券インデックス
019シュローダー年金日債
020Ｏｎｅたわら先進国株式
021ＯｎｅＤＣＳ＆Ｐ５００ＩＤＸ
022Ｏｎｅたわら全世界株式
023ラッセル外国株式（ＤＣ）
024大和住銀ＤＣ海外株式アクティブ
025野村世界好配当株投信ＤＣ
026ＯｎｅグローバルＥＳＧ厳選株
027ダイワ外国債券インデックス
028大和住銀ＤＣ外国債券ファンド
029ＤＩＡＭたわら国内リート
030野村Ｊ－ＲＥＩＴ（ＤＣ）
031ＤＩＡＭたわら先進国リート
032ＤＣダイワＧＲＥＩＴアクティブ
033三井住友銀行ＤＣ定期（５年）
034第一のつみたて年金（５年）
035第一のつみたて年金（１０年）
I was originally planning to put 100% down on "ＡＭＯｎｅソムリエＴＹ２０６０", but the more I read about it, the less it seems like a good option in the long run if I want to maximize what I can get out of this, especially since it seems like my fund selection is better than the average company's.
Here's a little bit about me because I think it matters very much when taking this into account.
- I'm in my late 20s. I have at least thirty more years before retiring.
- I'm a Japanese citizen. I have permanent residency.
- I do not plan on moving to another country in the foreseeable future. I'd like to choose funds under the assumption that I will be living in this country for the rest of my life.
From what I've learned, I'm thinking I should do 50% ＡＭＯｎｅソムリエＴＹ２０６０ and 50% one of the Tawaras, maybe 020Ｏｎｅたわら先進国株式 because it has the lowest fees. I am prepared to be told that I am stupid for even considering this, and would like to be educated/guided/recommended on what a better potential investment ratio/funds would be.
I appreciate any and all help, thank you for reading.
by NukePineapplePizzas