I'm 29 and unmarried. I'm maxed at the NISA ( 2.4 mil/year) limit and am now planning for iDeCo.
After some research, I decided to divide the iDeCo fund this way:
- 70% Stocks ( 60% Internation, 10% Domestic )
- 30% Bond ( 30% Internation )
Considering age, 30% of bonds feel safe. I use Rakuten Security and from that finalizing the funds:
| Fund | Type | Fee | Distribution |
|---|---|---|---|
| Tawara No-Load Developed Country Stocks | Stocks – Int | 0.0989 % | 30 % |
| Rakuten S&P 500 Index Fund | Stocks – Int | 0.0770 % | 30 % |
| Tawara No-Load Nikkei 255 | Stocks – Dom | 0.1430 % | 5 % |
| Sumitomo Mitsui DC Tsumitate NISA Stock Fund | Stocks – Dom | 0.1760 % | 5 % |
| Tawara No-Load Developed Country Bonds | Bond – Int | 0.1870 % | 30 % |
However, I have some questions:
- Do you use one fund in each category ( Stocks – Int ) or multiple selections? Any downside
- Domestic Bonds I don't know if I should go with them or not
Thank you so much for your help in advance.
by Time-Journalist-79