投資信託で経験した事（参考までに）
投資信託で様々な商品を見ていると、驚くような事が沢山有る。
例えば分配金について言うと、信託商品が売り出された当初は、分配金が高かったものが、月日の経つにつれて徐々に安くなったり、商品によっては分配金がゼロの月が続いたかと思えば、突如として復活したりする。
また、投資信託商品は、値動きするので安い時期に購入できれば有利だが、高い時期に購入すれば、評価損が出ることもある。
しかしながら、評価損が出ても１年以上の長期で計算すると、分配金で相殺されて殆どプラスになるようだ。分配金や商品価格も様々だが、ある商品では月々の分配金が１％を超えるものもある。年利で言うと１２％以上になるものもあるという事である。
元本保証が絶対条件という人には向かないが、日本の銀行に預けていても金利はゼロに近いので、慣れるために小額から投資信託を始めるのも良いかも知れない。
My experience with investment trusts (for reference)
There are many surprising things when looking at various products in mutual funds.
For example, when it comes to dividends, when the trust products were first sold, the dividends were high, but as time passed, they gradually became cheaper, and depending on the product, the dividends were zero for months, and often suddenly revived.
In addition, since the price of investment trust products fluctuates, it is advantageous if you can purchase them at a low price, but if you buy them at a high price, you may suffer a valuation loss.
However, even if there is a valuation loss, when calculating over the long term of one year or more, it seems that it will be almost positive as it will be offset by the dividend. Dividends and product prices vary, but some products have monthly dividends of more than 1%. It's means that in terms of annual interest, there are some that are more than 12%.
It is not suitable for those who surely require a guarantee of principal, but even if you deposit money in a Japanese bank, the interest rate is close to zero, so it may be a good idea to start with a small amount of investment trust to get used to it.
