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90% of Investment Returns are Positive, Yet 1 in 10 Continues NISA by Cutting Living Expenses 運用成績は9割がプラス、それでも10人に1人は生活費を削ってNISAを続けています
The same research firm has released two sets of figures with a three-month difference.
A survey conducted by 400F, which operates the household financial diagnostic service Okaneco, from January 10th to 12th of this year among 382 respondents, found that 44.9% had NISA investment returns of "over +20%" and 45.3% had "+1 to 20%". In total, 90.2% were in the black, with a satisfaction rate of 93.8%. The breakdown for the use of the growth investment枠 (framework) was as follows: "buy more of the same investment trusts as the savings枠" at 52.4%, "Japanese high-dividend stocks/reward stocks" at 37.2%, and "US individual stocks and ETFs" at 18.4%.
In a survey from April 10th to 12th, the same company asked NISA users, this time 241 individuals, about their household finances.
24.9% had less than 3 months of living expense reserves (7.5% had less than 1 month, 17.4% had between 1 and less than 3 months). Compared to the previous year, 28.2% reported that their household finances had become "less comfortable." Furthermore, 10.4% answered that they were continuing NISA by cutting back on living expenses. 8.3% lacked confidence in holding on during a sharp drop of 20% or more. The reason cited by 83.8% for the reduced financial comfort was the rise in prices of daily necessities and utility costs.
This is not a matter of perseverance, but rather the nature of the container, I believe. NISA has a lifetime investment limit of 18 million yen. A container with a limit tends to make filling it up its own objective. In fact, in the January survey, 24.8% planned to fill it up as quickly as possible by 2028. Moreover, automated savings are the most difficult expenses to stop when household finances tighten. If the person who set it up does nothing, the same amount will be debited the following month.
The market, on the other hand, was not quiet. As of August 17th, the Nikkei Average was 68,849.21 yen, with the year-to-date low on March 31st at 50,558.91 yen and the high on June 22nd at 72,831.73 yen. The April survey was conducted 10 days after the low.
How many months of living expense reserves do you currently have?同じ調査会社が、3か月違いで二つの数字を出しています。
家計診断サービスのオカネコを運営する400Fが今年1月10日から12日に382人に聞いた調査では、NISAの運用成績が「プラス20%以上」44.9%、「プラス1〜20%」45.3%でした。合わせて90.2%がプラスで、満足度は93.8%です。成長投資枠の使い道は「つみたて枠と同じ投資信託を買い増す」52.4%、「日本の高配当株・優待株」37.2%、「米国の個別株やETF」18.4%という並びでした。
同じ会社が4月10日から12日に、今度はNISA利用者241人に家計のほうを聞きました。
生活防衛資金が3か月分未満の人が24.9%（1か月分未満7.5%、1〜3か月分未満17.4%）。前年度と比べて家計のゆとりが「なくなった」が28.2%。そして10.4%が、生活費を削ってNISAを続けていると答えました。20%以上の急落が来たときに持ち続ける自信がない、が8.3%です。ゆとりが減った理由として83.8%が挙げたのは、生活用品や光熱費の値上がりでした。
ここは我慢強さの話ではなく、器の形の話だと思います。NISAには生涯投資枠1800万円という上限があります。上限のある器は、埋めること自体が目的になりやすい。実際、1月の調査では24.8%が2028年までに最速で埋める計画だと答えていました。しかも積立の自動化は、家計が細ったときにいちばん止めにくい支出でもあります。設定した本人が何もしなければ、翌月も同じ金額が引き落とされます。
相場のほうは静かではありませんでした。日経平均は8月17日時点で68,849.21円、年初来安値が3月31日の50,558.91円、高値が6月22日の72,831.73円です。4月の調査は、その安値の10日後に行われています。
あなたの生活防衛資金は、いま何か月分ありますか。
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