I started investing with a 46-year-old divorce and no money start I want to tell you: Guidance to protect the "old age security" of middle-aged women

Hello, I am Yoshie, 46 years old. I divorced three years ago and started living alone with no money. At that time, I was anxious about my old age and despaired that it was difficult for a woman to invest alone.

Now I started saving money for my retirement with the new NISA fixed investment. I would like to tell the same confused middle-aged woman about the traps and avoidance of early investment.

Three "big traps" stepped into the investment beginner era

I was impatient from the anxiety of old age and stepped into three traps common to middle-aged female beginners.

③ I was deceived by "Investment Course Promising High Profit"

Because I have no investment knowledge, I applied for the online "Earn 50,000 yen a month" course (150,000 yen). As a result, I only recommended high-risk stocks and lost 30,000 yen.

⚠️: "Certainly profitable" is dangerous. Let's start with the FSA free materials.

Blind faith in other people's investment stories and purchase individual stocks

I blindly believed in the investment success story of my friend's acquaintance and lost money by purchasing a single crotch without looking it up. The success of others cannot be copied.

⚠️: Beginners are safe to start with diversified investment funds.

Open multiple securities accounts because "fees are cheap"

I opened three accounts with "low commission" and "new preferential treatment," but the total fee increased due to management confusion.

⚠️: Beginners narrow down to one major company such as SBI Securities and utilize the new NISA.

My "Secure Investment Law" Starting from No Money: Focusing on the New NISA

After a failure, we resumed investment with the motto "Don't rush, small, long." The center is the new NISA Tsumitate investment suitable for middle-aged women.

One of the advantages of the new NISA: Long-term investment without tax

New NISA Tsumitate frame: 400,000 yen tax-free per year (up to 20 years), small start fee, less burden on no money.

Selecting a "One OK" fund that is safe even for beginners

"One OK" fund for beginners: eMAXIS Slim Global Equity (All Country).

Reason for selection: ① Trust fee 0.05775% (super low cost) ② 50 countries stock (risk diversification) ③ New NISA compliance.

Low risk applicants: eMAXIS Slim Balance (8-asset equivalency type). Price movement is moderate with stock bonds mixed.

"Compulsory savings" habit from 5000 yen per month

Fixed investment from 5,000 yen per month, set to automatic transfer 3 days after the release date. Accumulated 60,000 yen in one year, now increased to 10,000 yen per month.

Middle-aged women's "investment awakening": protecting their own future

At the beginning of the divorce, I felt hopeless about my old age, but I was able to find hope by investing that I can change the future if I accumulate little by little. Investment is a means to gain confidence.

People who will be helpful: · Old age anxiety in the late 40s · I want to start investing, but the procedure is unknown · I can not try at a loss in investment

Finally: I want to share my experience

This article is based on actual experience. New NISA materials, fund selection checklist, fixed investment procedure are organized.

If you have any questions about fund safety, how to set up SBI, etc., please contact us by DM. Let's build a good future by helping middle-aged women ✨The new NISA # SBI Securities