オルカン＋現金で運用するなら必ず知っておきたい4つのこと【きになるマネーセンス1156】

[Free Trial Session] Investing Globally for the First Time → https://money-sense.net/first-global-... [Free] Money Sense College Trial Session | A Look at the Member Site → https://money-sense.net/first-moneyse... [Trial Session List] Retirement Funds, Investment Trusts, iDeCo…Solving Your Problems → https://money-sense.net/seminarlist/?... If you think, "One investment fund is enough," or "An investment fund and cash are sufficient," please watch this video to the end. Many people invest using a two-pronged approach: all-country (OLC) funds and cash. This isn't necessarily a bad choice. However, some comments suggest it might be a bit risky. Therefore, this article outlines four key points to consider when investing with OLC + cash: ① Do not include emergency funds in your investment portfolio (doing so will drastically increase your stock allocation in case of an emergency). ② Cash is not risk-free (it can become a "negative asset" that effectively decreases in value due to inflation). ③ Rebalancing is necessary (as OLC values ​​rise, your cash ratio decreases, reducing your reserves for market crashes). ④ The higher your cash ratio, the lower your expected return (this is why you need a different approach than simply "mixing in cash"). Finally, we'll explain why Money Sense College's asset allocation strategy doesn't significantly lower expected returns even with a higher cash (bond) ratio—we'll delve into the mystery. What's the difference between this and simply adding cash? Understanding this will take you one step further as an investor. [Membership Service] Team 7% → https://money-sense.net/lp-team7/?utm... [Booklet] Purchase Here → https://money-sense.net/booklet-top/?... ◆Table of Contents 0:00 Start 2:04 ① Do not include emergency funds in investment funds 3:58 ② Cash is not risk-free 5:01 ③ Rebalancing is necessary 6:58 ④ The higher the cash ratio, the lower the expected return 8:25 Summary 12:10 Bonus 🗒️The content of this video is also available in text format: https://money-sense.net/17148?utm_sou... ■To those commenting: ・Please be respectful of others and use polite language. ・For questions including content from the member site, please use the "Question Form" on the member site, as this may involve privacy and business secrets. ・We will not answer questions in the comments section in principle. We will use them as reference for future video production. ○Comment Policy https://money-sense.net/policy/commen... ■Question Form https://money-sense.net/youtube-qa-form This is the question form for the YouTube channel "MoneySenseCollege®︎". If you have any questions or concerns you would like us to address, please let us know using this form. We will use your feedback to improve future video production (please note that we may not be able to answer all questions). *For urgent questions or if you require an immediate answer, please use the question form on our paid membership site. ★Please follow us on Instagram and X (formerly Twitter)!★ ■YouTube http://www.youtube.com/subscription_c... ■Instagram   / moneysensecollege   ■X (formerly Twitter) https://x.com/MoneySenseColl ■MoneySenseCollege®︎ Official Website https://money-sense.net/?utm_campaign... #Olcan #AssetAllocation #AssetManagement