[New NISA] The results are shocking if you buy both Rakuten Plus and eMAXIS Slim

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"Is a lower net asset value better?"
"If it's the same S&P 500 index, is it all the same regardless of what I buy?"
"It's fine as long as it's a NISA product, right?"

Information flying around on social media.

Don't you ever wonder which one is correct?

Today, I will talk about my results based on these conditions:
"Investing in the same index"
"Different net asset values"
"Lowest trust fees"
I actually bought both

Rakuten Plus S&P 500 and
eMAXIS Slim US Equity (S&P 500),
and I seriously experimented to see "how much difference there would be in returns."

The conclusion.

...there is almost no difference.

That's it for today's talk.

Seriously.

⇩Click here if you want to watch the 4-minute video⇩

The trust fees are also almost the same.

The linked indices are also the same.

Since the indices are the same, the price movements are also almost the same.

In other words, while it feels like you are buying different products, the contents are quite similar.

Moreover, for those who think, "It's a bargain because the net asset value is low!"

That is almost irrelevant.

Net asset value is the "price of an investment trust."

To be more precise,
it is a figure representing how much you can buy an investment trust for per 10,000 units.

Therefore, whether you buy Rakuten Plus S&P 500 when the net asset value is still small,

or buy it when the assets have increased, it is almost the same.


What matters is not "what price you start at," but "what percentage it increases by."

If you invest 10,000 yen and it increases by 10%, it becomes 11,000 yen.

Whether the net asset value is 10,000 yen or 30,000 yen, the essence is the same.

So, what did I do after the experiment?

For the S&P 500, I decided to only accumulate Rakuten Plus S&P 500.

The reason is simple.

Because I can use Rakuten points.
Because there is point redemption based on the asset amount.
Because it is easier to manage fewer items.

I decided based on "preference" in the end.


In investing, increasing your money is important, but "continuing" is even more important.

If you increase the number of stocks too much,
・Comparing
・Worrying
・Getting swayed by social media
・Getting confused about rebalancing
will tire you out.

The more decisions a person makes, the more their decision-making ability declines.

Simpler is better.

The reason Steve Jobs wore the same clothes,

was to avoid decision fatigue.

Also, for those who hold multiple products with the same index.

If, there is a difference in trust fees.

First, “sell the one with the higher fee” is what I recommend.

Especially for funds from a while ago.

Fees like 3% don't exist anymore.


Long-term investing is also a battle against fees.

Even a 0.1% difference adds up significantly over 20 or 30 years.

Conversely.

What's important for the new NISA isn't “finding the god-tier fund”.

・Low cost,
・Broad diversification,
・Long-term accumulation,
・Simple management.

This is it.

When you look at social media, new things like “This is the next big thing!” or “This new product is the best!” pop up every month, but...

Honestly, the people who are actually growing their wealth are the ones who keep it simple.

Just one fund for All Country. Just one fund for S&P 500.

First, the person who creates a “sustainable format” wins.

Save this and share it with someone who is lost in the NISA maze.

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