【お金のニュース】投資信託のクレカ積立上限額「月10万円」に引き上げ【リベ大公式切り抜き】

Summary

The video script discusses a significant update in Japan's financial landscape: the increase of the credit card deposit limit for NISA (Nippon Individual Savings Account) from 50,000 yen to 100,000 yen per month. This change is seen as a positive development for individual investors who can now accumulate more points by using credit cards for investments like stocks and investment trusts. The script provides a comparison of benefits and potential savings with different credit cards and securities companies, highlighting the most advantageous combinations for maximizing points. It also advises viewers to choose the most cost-effective options based on their risk tolerance and investment pace, emphasizing the importance of making informed decisions without being swayed by external factors.

Takeaways

• 📈 The news discusses an increase in the NISA (Nippon Individual Savings Account) credit card deposit limit from 50,000 yen to 100,000 yen per month.
• 🎉 This is good news for individual investors as they can now deposit more into their investment accounts using credit cards.
• 💳 The benefits include earning points on credit cards when making investments, which can accumulate to significant amounts over time.
• 🛒 You can use credit cards to buy not only everyday items but also stocks and investment trusts, earning points on these purchases.
• 🔑 There is no need to sign up for additional contracts or increase the number of cards just to earn points; it's about naturally earning points on regular purchases.
• 🏦 Major Japanese securities firms like SBI Securities and Rakuten Securities have announced an increase in the credit card deposit limit to 100,000 yen per month.
• 📊 According to a survey, using a credit card for a 100,000 yen monthly deposit can yield up to 6,000 points annually, depending on the card and brokerage.
• 💡 The most beneficial combination seems to be using Rakuten Securities with a Rakuten free card or SBI Securities with a Mitsui Sumitomo NL card.
• 💼 For those who use their credit cards extensively, opting for a gold card from Mitsui Sumitomo could be advantageous as it waives the annual fee with usage over 1 million yen.
• ⚠️ It's important to consider not just the points but also the quality of service from the online securities company, including ease of use and customer service.
• 🌟 The key takeaway is to choose the most cost-effective and highest point-return options without compromising on the quality of service and within one's investment pace and risk tolerance.

Q & A

What is the recent change in the deposit limit for NISA accounts as mentioned in the script?

The recent change is that the deposit limit for NISA accounts has been raised from 50,000 yen to 100,000 yen per month.

Which financial institutions are mentioned in the script as having raised their deposit limits in response to the new NISA regulations?

SBI Securities and Rakuten Securities are mentioned as having raised their deposit limits to 100,000 yen per month.

What is the advantage of using a credit card for accumulating investments in NISA accounts?

The advantage is that you can earn points on your credit card when making investments, which can accumulate to a significant amount over time.

What is the potential downside of focusing solely on accumulating points with credit card investments?

The potential downside is that it may lead to unnecessary spending just to earn points, which could negate the benefits of the points earned.

How does the script suggest one should approach the decision of which credit card to use for accumulating investments?

The script suggests comparing the annual points that can be earned and the annual fee of the credit card to determine which option is most beneficial.

What is the recommended approach when considering switching to a new credit card or investment platform?

The script recommends considering the overall service quality of the investment platform, including factors such as ease of use, customer service, and availability of desired investments.

Which credit card and investment platform combination is suggested as a good option in the script?

The script suggests a combination of Rakuten Securities with Rakuten's free credit card or SBI Securities with Mitsui Sumitomo NL Card as good options.

What is the significance of the points earned through credit card investments in the long term?

The points earned can accumulate to a significant amount over 10 or 20 years, potentially resulting in a substantial financial benefit.

How does the script advise against making financial decisions based on trends or comparisons with others?

The script advises making financial decisions based on one's own risk tolerance and pace, rather than being influenced by what others are doing.

What is the final piece of advice given in the script regarding investment and credit card usage?

The final advice is to focus on the essence of investment, not be swayed by points or societal trends, and to make decisions that are in line with one's own financial plan and future goals.