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"Long-term holding ❗️ 30 years ✨ strongest dividend increase 🇯🇵"

2025/9/7 Edited to

... Read more「高配当優良株を長期保有したい」と思っても、利回りだけで選ぶと減配でメンタルがやられることが多いので、私は“非減配の年数”と“配当方針”を先に見ます。今回の4社は、長期の非減配(例:30年以上)や累進配当寄りの姿勢が読み取れるのが強み。まずは「なぜ減配しにくいのか」を自分の言葉で説明できるか、をチェックすると失敗しにくいです。 私が確認しているポイントは主に5つです。①配当性向の目安(無理してないか)②DOE(株主資本配当率)など“下限の考え方”があるか③利益が落ちても配当を維持できる財務余力(現金・自己資本・有利子負債)④商売の安定性(生活必需、物流、インフラ周りなど)⑤過去の配当推移(景気悪化局面でも維持できたか)。この記事に出てくる遠州トラック(9057)や東テク、ライフ(8194)、レンゴー(3941)は、事業の安定要素と株主還元の考え方を一緒に見やすい銘柄だと思います。 「日本株の永久保有銘柄」を探すなら、買い時の考え方もルール化しておくとラクでした。私は“利回りが上がったら買い増し”だけに頼らず、(1)業績見通しの下方修正が一時的か (2)配当方針に変更がないか (3)減配リスクの兆候(急な借入増、特損連発)がないか、を確認してから分割購入します。結局、長期保有は「買う技術」より「持ち続ける納得感」が大事でした。 あと意外と役立つのが、株の記録を残すことです。私は“株ノート(株手帳)”に、銘柄コード/買った理由(配当・成長・分散)/配当方針(配当性向30%・DOE3%など)/決算で見る項目(売上、EPS、営業利益)/不安材料、を1ページにまとめています。見やすい書き方にすると、暴落時に読み返してブレにくいです。 一方で、検索でよく出てくる投資信託(例:グローバルハイインカムストックファンド、ロボティクス株式ファンド、日経225インデックス系)も気になる人は多いはず。私の使い分けはシンプルで、個別株=配当と企業分析を楽しみたい枠、インデックス=市場平均を取りに行く土台、テーマ型=値動きが大きいので少額のお試し枠。どれにしても「手数料・分配方針・下落時の耐性」は先に確認した方が安心です。 最後に、証券会社や銀行連携(例:オリックス銀行×大和証券など)は“便利さ”より“自分の運用ルールが守れるか”で選ぶのがおすすめです。積立や配当金の受け取り方法、管理画面の見やすさは、長期保有では地味に効いてきます。今回の4銘柄を入口に、非減配・増配の軸で「自分の永久保有候補リスト」を作っていくと、迷いがかなり減りました。

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