RetireJapan

Thanks!

There was a discussion about whether it's better value to settle through yen, or convert to US$ then settle. But I couldn't find the thread.

So, does anyone know?

Dan wrote: ↑Wed Dec 27, 2017 1:03 pm It seems two newly launched funds offer cheaper emerging markets exposure than the ＳＢＩ－ＥＸＥ－ｉ新興国株式ファンド — the ＳＢＩ－ＥＸＥ－ｉつみたて新興国株式ファンド and the 楽天新興国株式インデックスファンド.

The UFJ and Nissei funds? Thanks for the heads up.

Loans here are so cheap, so pretty easy to outpace the fees with investment. So I wouldn't sell your investments, they should make you more money over then next 10 years (5% p/a?) than you would save by paying upfront (1.7%p/a). Assuming the market doesn't crash... Pretty rough logic but I think it'...

Here's mine. Got lucky with my timing and have held/added to most positions starting around Nov 2016 (just before the "Trump trades"). Stocks Yamada Denki +7.73% (mainly for the coupons, dividends) Nissan +3.58% (mainly for the 4.5% dividends) Elecom +25.70% (mainly for gifts and dividends...

If anyone is looking to get into the market, now is a good time! Big dips today.

Looks like the price increases after the first year to around 4700 yen/month. Still, a little cheaper than flets and better performance. Hopefully it expands quickly.

Ori wrote: ↑Sun Dec 17, 2017 4:03 am but it would still suck to sell at that moment when it's -10.

Yep, that's why a diversified portfolio comes in handy. Anyway, by the time you retire cash should take up a large proportion of your portfolio. Use cash reserves or sell off domestic stocks while the exchange rate isn't favourable.

Hedging to me just seems like another way to charge a fee. If you're in it for the long term, currency fluctuations probably won't affect you that much.

I appreciate the response. I haven't gotten around to it yet and probably won't. It was kind of just a spur of the moment idea.