信託報酬の低さ、分散投資の効果、長期運用に適した商品かどうかが重要なポイントです。特に全世界株式に投資するファンドなどはリスク分散効果が期待できます。
確定拠出年金の場合、掛金が全額所得控除の対象となり、運用益も非課税です。さらに受給時にも退職所得控除や公的年金等控除が適用されるため、三重の税制優遇があります。
決して遅くありません。50代でも月5万円程度の積立投資を始めれば、10年後の受給開始時までに十分な資産形成が可能です。リスク許容度に合わせた商品選びが重要です。
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