米国株・ETF・ファンドのはじめ

この記事は約9分で読めます。

バブル崩壊後、日本株は失われた30年と呼ばれずっと停滞してきました。アベノミクスで戻してきてはいるものの、それでも1989年バブル期最高値38957円の半値戻し程度。人口減少が続く=労働人口が減る日本(日本株)の未来は決して楽観視はできないです。

だからこそ、NYダウ、ナスダックが史上最高値更新を続けるNo1経済大国米国の株、ETF・ファンドに目を向けて然り。

日本で米国の金融商品を買うには主に2通りあります。

①日本円を米ドルに両替してドル建てで購入する。

②日本の金融商品として組成された米国金融商品を日本円のまま買う。

ドル建てで購入するには、当然為替レートを気にしなくてはいけないです。利回りが高いものを買って利益が出ても、為替が円高に振れれば、その利益が全部吹き飛ぶことをあらかじめ想定しておく必要があります。

ただし、ドルに両替してドルで運用して売却後、ドルでそのまま資産を持つ分には為替差損は発生しないので、戦略的に通貨分散を視野に入れるなら特段気にしなくても良いです。

一般には、最終的に円に戻すことを考慮すると、できるだけ円高に引き付けてドルに両替し、米国株、債券等を購入する事を目論みますが、為替は我々の期待通りには動いてくれず、結果、なかなかドルに両替できないのです。

思い切って米国株、債券等を買いたい時に
特に為替レートを気にせず両替できる方は、
①のドル建てで購入してください。

私を含め多くの方は、②の円建てで米国金融商品を買った方が
心理的抵抗が少ないと思います。(結局、為替の影響が反映された結果しか享受できないので、得をするわけではないです。)

米国金融商品を積極運用する場合の切り分けとしては、
米国株、米国ETF、米国投資信託(ファンド)に大別されます。

これらは短期で大儲けするやり方で考えず、
あくまで長期保有10年~30年持つつもりで運用スタイルが王道。

買い方としては、ドルコスト平均法で、
毎月決まった額を決まった日に積立買付する手法がベスト。

価格の高い時には少なく買い、価格に低い時には多く買うことで
ならしてみると購入単価を下げられるからです。
証券会社のシステムで毎月1回選んだ日に自動積立買付が可能です。

投資タイミングを考慮する必要がないメリットも大きいです。
価格の上下に一喜一憂しないためにもこのやり方にすべきです。

右肩下がりの場合だけ報われませんが、
それでも最初に全力買いする場合より損失が少ないのも良い点です。

それで、それぞれどの商品が良いかについて、
S&P500指数に連動したパッシブ(保守的)運用を中心に構成を考えます。

S&P500:時価総額の大きな勢いのあるIT企業中心の500銘柄で、
GAFAももちろん入ってますので、PERが割高になるハイテクセクターにやや偏ります。

そこで、パッシブ運用に根差した①S&P500のETF/ファンドと、
以下の例のような②米国債券ETF/ファンドも
同じくらいミックスして長期投資すると良いでしょう。

逆にアクティブ(積極的)運用のものはS&P500指数を超えるパフォーマンスを狙うために、コストをかけてリサーチしているで割高になります。

成果ベースでも、過去のデータからパッシブ運用のもの方がアクティブ運用よりも良いので、コストがかかる割にパフォーマンスが悪いアクティブは敬遠されていく流れがあります。

<注目の米国ETF>

バンガード S&P 500 ETF (VOO)

iシェアーズ 米国国債 7-10年 ETF (IEF)

バンガード 米国トータル債券市場ETF (BND)

iシェアーズ JPM USDエマージング債券 ETF (EMB)

事前に日本円を米ドルに両替してドル建てで外国株として買います。(外貨決済)*SBIは夜間15分遅れでリアルタイム売買

事前に両替しなくても円貨決済で証券会社経由で
ドルへ両替してダイレクトに買付もできます。

最終売却前にドル/円ベースの損益を見比べ、
売却時も外貨決済と円貨決済が選べます。

*(VOO)などティッカーと呼ばれる略称で検索すればわかります。

SBI証券、米国ETF(9銘柄)の買付手数料無料化の対象銘柄の中に、
VOOが入っています。

↑クリックすると拡大表示します。

他にも、SBI証券では、上記のETFなどが国内ETFとして円建てベースで日本時間で売買できます。円建ての米国ETF

*円建ての米国ETFは、米国市場のETFと全く同じものではない点と、流動性が米国より少ないので相場が急変した際に価格変動が大きくなります。

余談ですが、
それを利用した米国市場のETFと日本市場のETFで銘柄が同じもので
価格差が生じた際に裁定取引のチャンスとなります。

裁定取引(アービトラージ)とは、同一の価値を持つ商品の一時的な価格差(歪み)が生じた際に、割高な方を売り割安な方を買い、その後、両者の価格差が縮小した時点でそれぞれの反対売買を行うことで利益を獲得しようとする取引。

ビットコインも米国のビットコインの価格と日本のビットコインの価格が同時間でズレていた際に、裁定取引が一時期頻繁に行われていました。

単純に日本市場のETFが急落した際にバーゲンセール価格で拾えば、
まもなく同じ銘柄の米国市場のETFの価格にサヤ寄せされるので短期で利益が狙えます。

<注目の米国ファンド>

SBI-SBI・バンガード・S&P500インデックス・ファンド

三菱UFJ国際-eMAXIS Slim 先進国債券インデックス

ニッセイ-<購入・換金手数料なし>ニッセイ外国債券インデックスファンド

SBIボンド-SBI-PIMCOジャパン・ベターインカム・ファンド

*全てSBI証券です。

日本の金融商品として組成された米国金融商品として買います。
(夜の米国株の基準価格で売買)

「SBI・バンガード・S&P500(投資信託)」と「VOO(ETF)」、どう違う??

↑クリックすると拡大表示します。

上記のETFとファンドの違いを簡単に説明すると、ETFは株と同じような仕組みで運用されてますが、ファンドは全く違う仕組みです。

ファンドはノーロードよ呼ばれる手数料が無料のものがありますが、信託報酬手数料が中に組み込まれているので実質無料ではないです。トータルではETFの方がの手数料の方が安いです。ただ、指数に連動したパッシブ運用のものなら、どちらも他商品と比べて安いので特段気にしなくて良いと思います。

ETFは株と同じく、その時その時のリアルタイムの価格で売買できますが、ファンドは1日1回の基準価格が買い付けた後でしかわかりません。

特に米国ファンドは今日買ってもその日の夜の米国市場で買付を行うので、感覚的には今日買ったものが翌日の株価を反映した基準価格で購入されるので、注意が必要です。

なので東京時間で割安で買えたと思ったら、
夜中に米株急騰してその基準価格で高値つかみで買ってしまったり、

東京時間で高値で売却できたと思ったら、夜中に米株急落してその基準価格で決済され利益が吹き飛んでしまったりします。

その点、米国ETFは夜にリアルタイムで売買できるので、米国株が急落したので安値で買付できたり、米国株が急騰したから売却して利益確定したり普通の感覚できます。

配当される分配金を再投資する場合、ファンド内で自動で再投資が行われるのに対して、ETFでは一度分配金を受け取った後に自分でで再投資する手間がかかり、分配金の受領時に米国10%+国内20.315%=約30%の税金が源泉徴収されるのでやっかいです。

ETFは1口数万円かかるのに対して、
ファンドが最低買付金額100円と小額から始められます。

これらを踏まえ、初心者の方はファンドから。
中級者以上の方で、自己管理できる方はETFで。

買い方は、予算が100万円なら毎月10万円ずつ、
ドルコスト平均法で毎月積立型で一定額買っていくのが良いです。
証券会社のシステムで毎月選んだ日に定期買付を行えます。

最初に予算全部つぎ込んだ後、暴落しても手立てがないので。

最後に米国株についてですが、連続増配高配当銘柄を買い、その後の配当金で再投資を繰り返す戦術で、1つがダメでも他でバランスを保つ分散投資の観点から、最低3銘柄以上選ぶと事をオススメします。

配当金はその中で割安(値下がり)しているものを買い増して、
それぞれ組み入れ比率を常に同じくらいになる様にリバランスを図ります。

何と米国株ですと、コカ・コーラやジョンソン&ジョンソンなど
50年以上も連続増配の銘柄が存在しています。

つまり、不景気時にも安定した収益が期待できますので、
弱気相場で力を発揮するディフェンシブ銘柄です。

なので、強気相場で上昇するS&P500のETF/ファンドと
バランス良くミックスさせると良いです。

ただし、前述したように為替リスクは常にあり、
米国株で含み益でも円高で儲けが全て吹き飛ぶ可能性もあります。

そのリスクを負っても、日本株<米国のリターンは圧倒的に大きいのです。

1注文あたりの手数料は、SBI証券ですと約定代金の0.45%(税込0.495%)です。

配当金に関しては、
米国10%の配当課税(確定申告をすれば5%程戻ります。)が課された後、さらに国内の譲渡益課税の20.315%の税金がかかります。
(売却時は20.315%の税金だけです。)

<注目の米国株>

ディフェンシブ系のゆるやかに安定成長が期待できる銘柄
①不況時に強い:生活必需品/ヘルスケア/通信セクター

コカ-コーラ (KO) 予想配当利回り3.63%  連続増配年数58回

フィリップ モリス インターナショナル (PM) 予想配当利回り6.66% 
連続増配年数50回(分社化前も含む)

ジョンソン & ジョンソン (JNJ) 予想配当利回り2.77% 連続増配年数57回

AT&T(T) 予想配当利回り6.80% 連続増配年数36回

②その他、エネルギー、消費財、資本財セクター

エクソン モービル (XOM) 予想配当利回り7.88% 連続増配年数37回

マクドナルド (MCD) 予想配当利回り2.68% 連続増配年数44回

スリーエム (MMM) 予想配当利回り3.74% 連続増配年数62回

事前に日本円を米ドルに両替してドル建てで外国株として買います。(外貨決済)*SBIは夜間15分遅れでリアルタイム売買

事前に両替しなくても円貨決済で証券会社経由で
ドルへ両替してダイレクトに買付もできます。

最終売却前にドル/円ベースの損益を見比べ、
売却時も外貨決済と円貨決済が選べます。

<結局、外国株/ETFでいくら手数料がかかるのか?>
取引手数料(税抜き):約定代金の0.45 %(上限取引手数料:20ドル)為替スプレッド0.25円

以下はわかりやすく概算です。

10万円分で0.45%の450円と為替スプレッド250円で合計700円
→10万円の外国株を買うのに約700円の手数料

100万円分で上限取引手数料20ドルの2100円と為替スプレッド2500円で合計4600円
→100万円の外国株を買うのに4600円の手数料

買い方は、予算が100万円なら毎月10万円ずつ、
ドルコスト平均法で毎月積立型で一定額買っていくのが良いです。
証券会社のシステムで毎月選んだ日に定期買付を行えます。

初心者の方はS&P500インデックス・ファンドから始めて、
徐々に増やす感じで良いと思います。

いずれにせよ、日本の株・債権で組成された金融商品から、
離れることが第一です。

連続増配年数 TOP100

Let’s トライ!


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株で1000万稼ぐ極秘メルマガ

勝率90%で安定して株で1000万儲ける 株デイトレの必勝法則をメルマガで垣間見てみませんか?

ご登録いただけた方に今だけ無料プレゼント!
*メールアドレス
*お名前(姓)

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サブコンテンツ

バリュー曽我オリジナル株教材

私の教材はリアルタイムで株で稼ぎ続けている極秘情報を扱ったものですので、
誠に恐れ入りますが、安易に販売するつもりはございません。
ですので私の教材は、一般の方にはご購入をご遠慮頂いております。
ブログ読者様・メルマガ会員の方のみ数量限定で販売させて頂いております。

株で稼ぐ技術勝率90%で1000万稼ぎ
毎年資産倍増!
株で必勝セミナー私が今まで露出した中で
一番きわどい情報です!
世界一わかりやすい
ファンダメンタルズ授業
実利に直結する
ファンダメンタルズ!
DARK MATTER株価急騰落初動キャッチ!
種別 教材名 PDFテキスト 動画
教材 世界一わかりやすいファンダメンタルズの授業 テキスト:46P 解説動画:3時間以上
教材 株で稼ぐ技術 テキスト:50P 解説動画:2時間20分
セミナー 株で必勝セミナー    / 解説動画:1時間20分
ソフト DARK MATTER 図解マニュアル15P 動画マニュアル35分

<特徴>
初級者から上級者まで貴方様のレベルに応じて段階的に、 各種教材、セミナー・ソフトをご用意いたしました。
対象 教材名 定価 目的
初級者以上 世界一わかりやすいファンダメンタルズの授業 9800円 経済の基本から学びたい方
初級者以上 株で稼ぐ技術 1万9800円 株デイトレの基礎的な事から私の手法を学びたい方
中級者以上 株で必勝セミナー 1万9800円 極秘テクニックや株業界の裏事情を知りたい方
中級者~上級者以上 DARK MATTER 4万9800円 株価急騰落の初動をキャッチしたい方

独断と偏見の株アナリストランキング

藤戸則弘 氏

■三菱UFJモルガン・スタンレー証券ストラテジスト
状況分析が正確で一番堅いです。
後で検証すると当たっていることが多いです。

井上哲男 氏

■MCPアセット・マネジメント証券ストラテジスト
他のアナリストと異なり、ファンダメンタルズ分析が上っ面でなく、各種指標の背景を精密な数値により分析している。

早見雄二郎 氏

■株式評論家
ラジオ日経聴者ランキング1位。
トレンド分析・推奨銘柄は必聴。
私も欠かさず聞いています。

さいますみ 氏

■経済アナリスト
若いが経済全般に造詣が深い。
アグレッシブさを応援したくなる。

<経済全般>

高橋洋一郎 氏

■嘉悦大学教授
小泉・安倍政権のブレーン。
実際に政治経済を支える黒子。

中原圭介 氏

■エコノミスト
中原氏の本は、わかりやすく世界経済の現状を分析しているのでファンダメンタルズ分析には欠かせません。

飯田泰之 氏

■明治大学政治経済学部准教授
全部理詰めでわかりやすい。
最近TVでよく見る。

今、話題のピケティ論をまとめてみました。

・資本主義の下では格差は放置すれば拡大する。
・グローバル資本課税を導入すべき。

r(資本収益率)>g(経済成長率)
つまり、資産運用(株・不動産)所得 > 勤労所得

経済成長すれば、格差は縮小すると思われていたが、20世紀はたまたま戦争や恐慌などの特殊要因で経済成長率の方が資本収益率より高かっただけで、実は19世紀以前までは資本収益率の方がずっと高かった。
特に先進国ではこれからは成熟期で経済成長率は鈍化していくので、今後も資本による収益が有利になり、それどころか金融テクノロジーの進化で資本収益率は上昇していく。

なので、ピケティいわく世界各国で資産家に一律で同じ累進課税を適用すべきとのこと。金融資産から負債を引いた純資産に対して国境を越えて累進課税するというもの。つまり、富の再分配の仕組みを構築し、人為的に格差縮小の努力をすべきとのこと。

米国では高所得者トップ10%が国民所得の50%を握っている。
さらに、上位1%が19.3%も握っている。
英国ではトップ10%が40%を握っている。
実は日本もトップ10%が40%弱握っている。

<私が思わずうなずいた「幸運の対価」と呼ばれるピケティの主張>
21世紀になってから大手企業CEOはその経営手腕の対価として年間億単位で稼ぎますが、それが本当に経営能力によるものなのか、たまたま景気が良い時に時運に乗っただけなのかはわからないという見解。

<曽我の見解>
ピケティの主張に反論するわけではないですが、この話、何で今さらというのが第一印象。資産運用(株・不動産)所得 > 勤労所得の構図は、今から15年も前に出版された「金持ち父さん」の4つのクワドラントの中で、経営者・投資家 > 自営業・労働者の構図として既にはっきり示されていましたので。

お陰様で私、正直、富裕層にはなれましたが、あくまで小金持ちで、まだまだ本当に欲しいものがあれもこれも買えるレベルではないです。
個人的には、私は脱サラして親に頼ることなく、自力で投資家へ転身してここまで成り上がってきたので、これから成功の果実を味わいたいというのが本音。
10億ドル(約1000億円)以上の資産を持つ超富裕層が世界に1225人もいるそうなので、手を付けるならまずは超富裕層からお願いします。

曽我の珠玉の人生の法則

他人の人生の計画に組み込まれるか、自分で人生の計画を立て行動するかのどちらかしかない。
(by ジム・ローン)

人生の10%は何が起こるかで決まる。残りの90%はそれにどう反応するかで決まる。
(by スティーブン・R・コヴィー )

選択することはただ選ぶだけだが、恐ろしい事にその後の行動以上の重みがある。
(by バリュー曽我)

Seize the time ! Live now !
Make now always the most precious time !
Now will never come again !
(スタートレックの一節)

我々は規律を守る苦しみか後悔する苦しみの2つの内いずれか1つに苦しまなければならない。規律は軽く後悔は重い。
(by ジム・ローン)