Education expenses and scholarships✨
Is it dangerous to save money for education with NISA 🤔
Still, the reason why the frog couple chose NISA 🐸
It's long, but there are pitfalls, so please read to the end
Education costs are money that can never be reduced, so investment 💦 risky.
Honestly, I understand that idea 👍
However, the frog couple saves education expenses with NISA 📊
(1) What to do if it crashes? Problem 📉
This is the most frequently asked question.
"What if you crash at the timing of going to college?"
In conclusion,
That's the worst, using scholarships 🎓
Scholarships are often avoided,
The actual interest rate is 1-2% per year.
On the other hand,
NISA aims for around 5% a year over the long term 📈
If it had crashed...
・ At that time, respond with a scholarship
・ When the market recovers, withdraw NISA and repay
There is a high possibility that the interest rate difference will be on your side 💡
(2) I'm doing NISA because I think it will increase in the first place 💰
This is very important.
They say "Cash is safe because it's for education expenses,"
Cash is not safe and will surely ⚠️
Tuition will go up.
Prices also go up.
However, bank deposits almost never increase 😇
Then
It is more reasonable to place assets on the assumption that they will increase in the long term.
In the first place
If you think it might not increase, why not do NISA itself 🙅♂️
I choose NISA because I believe it will increase in the long run 🌱
(3) Education expenses are not "money needed at once" 📚
The cost of college...
Divided into 4 years.
・ Entrance fee + annual tuition
I mean
It doesn't take everything down in an instant.
Because you can distribute time
There is room to wait for recovery ⏳
This too
The reason why "education expenses = absolute cash" is not always the correct answer.
(4) There is no one right answer, so have a strategy 🧠
Saving education expenses with NISA
I don't think it's right for everyone.
But
Long-term operation
· Understand the alternative when the crash
・ I am also thinking about inflation risk
If this condition is met,
Raising education expenses with NISA is completely 👍
Summary 📝
Saving education expenses with NISA is not "reckless."
The strategy chosen after thinking.
When the crash to buy time in the scholarship
Use the difference between low interest rates and expected returns.
・ Creating education expenses that do not lose to inflation
This is
Conclusion of frog couple 🐸
People with a good feeling may have noticed,
Actually, there is a big pitfall in this story
私は自身の子どもの教育費を準備する際に、現金だけでなくNISAを活用した長期投資を実践しています。記事にもあるように、学費は一定期間に分割して使うため、資金の取り崩し時期をずらせば市場の状況が悪化しても慌てず対応可能です。実際に私もリーマンショック後の暴落時期に運用をスタートしましたが、時間の経過とともに相場が回復し、結果的に増資できました。 また、奨学金については、私も最初は借金のイメージが強く敬遠していました。しかしながら、年1〜2%程度の低金利であることと、必要な時に使っても返済は長期にわたるため、教育費準備の一つの手段として活用価値が高いと理解できました。金利差を利用して投資で資産を増やす計画は理にかなっています。 さらに、物価や学費が上昇している今、銀行預金だけでは目減りリスクが否めません。私は自分の体験からも、インフレを考慮しつつ増やせる資産運用を進めるべきだと実感しています。とはいえ、全ての人にNISAが合うとは限らないため、自分のリスク許容度や収入状況を踏まえて戦略を立てることが重要です。 最後に、大きな落とし穴として、暴落時に慌てて損切りや撤退するリスクがあります。私の場合は暴落しても短期的な動揺に流されず、冷静に市場の回復を待つことを心掛けています。教育費をNISAで育てるなら、代替策の奨学金理解や時間的余裕を持った資金繰りが成功のカギです。この経験が、教育費で悩む多くの方の参考になれば幸いです。