January 12, 2024

Building your Child’s Education Fund and your Retirement Savings through Secure and Stable Asset Management

Building your Child’s Education Fund and your Retirement Savings through Secure and Stable Asset Management

Please scroll to the second half of the article to view the English version.

教育、老後資金蓄えませんか?~安全性と安定性を重視した資産運用~

皆さんこんにちは!

今日は教育、老後資金の蓄え方についてお話したいと思います。

最近、主に教育費の値上げによって引き起こされる子育て費用のインフレに関する記事(article on childcare inflation)を掲載しました。学年が上がるごとに授業料は高くなり、学校によっては年々授業料がどんどん高くなっているそうです。。お子さんが卒業するまで今の貯金で足りるのか、不安になりますよね。

またこちらの記事(survey conducted by Bloomberg)では、人々が快適に老後生活を送ために必要な金額についてブルームバーグが実施した最近の調査についても触れました。退職年齢の引き上げに伴い、老後資金の確保が懸念され、さらに年金の受給年齢が上がっていき、老後の資金面も考え物です。

多くの皆さんが普段貯金を定期預金されていると思うのですが、その定期預金で効率良く資産運用できることをご存じですか?

あるサービスでは Fixed Income Portfolioでドル建てかつ、比較的高い利率での定期預金を組むことができ、100%元本確保もされる低リスクな投資が可能なんです。この Fixed income portfolioにはいくつかプランがあり、皆さんの運用目的やリスク許容度に合わせて選択が可能です。

現在マレーシア銀行でも比較的高い利率で定期預金も可能ですが、リンギットでの運用であったり、他の通貨で定期預金が可能でも長短期であったり、利率も変動します。しかし上記のサービスは3年〜10年の期間、固定の利率でドル建てできるので、この期間の間で複利も得られて大きなアドバンテージになります。

このサービスは複数の異なる債券や固定収益性の高い資産クラスに投資することでリスクを分散し、ポートフォリオ全体の安定性を向上させ、安定的なキャッシュフローと予測可能なリターンを実現しています。

今銀行に眠らせているお金を運用して資産を長期的に増やし、教育資金や老後の資金の蓄えにしませんか?初めて投資を始める方、低リスクで確実に利益を得るための資産運用を目指す方々に是非検討して頂きたい投資先となっています!

弊社はそんな投資への一歩を踏み出したい方をサポートをさせて頂いております。投資先は今回ご説明したところだけではなく、幅広い選択肢の中から、皆様一人一人のニーズに最適なところを提案させて頂きます。

日本人チームを含め、各国から集まったエクスパートが皆様の目標達成を全力でサポートいたしますので、是非ご興味のある方はお気軽にご相談下さい!

ご質問は、info@melbournecapitalgroup.comまでお問い合わせ頂くか、以下のフォームにご記入ください!TwitterのDMでもご相談受け付けております!

Recently, we published an article on childcare inflation, primarily caused by the increase in education fees. It can be worrisome to think whether your current savings will be enough for your child until they graduate. We also touched on a recent survey conducted by Bloomberg on how much people will require to retire comfortably. With the retirement age increasing, there are concerns about securing enough funds for retirement. As a solution to set you on the right path, this article will talk about a practical investment option to consider while building your child’s education fund or saving for retirement.

While many of you may have regular savings in fixed deposits, did you know that you can use those funds for asset management? With a Fixed Income Portfolio, we can help you invest in US Dollar fixed-term deposits, which offer low-risk investments with a guarantee of 100% principal protection at maturity.

What is a Fixed Income Portfolio

The Fixed Income Portfolio offers various plans, allowing you to choose according to your investment goals and risk tolerance.

At present, Malaysian banks offers fixed deposits with relatively high interest rates, but there are not many fixed deposits such as the above because they are operated in ringgit, and even if they are possible in other currencies, they are short term. However, we work with international partners to give you accessibility to fixed deposits that can be denominated in dollars at a fixed interest rate for a period of 3 to 10 years, which is a great advantage.

Portfolio Composition

By investing in multiple different bonds and high-yielding fixed income assets, the portfolio aims to diversify risk, enhance overall stability, and achieve a stable cash flow with predictable returns.  

Why not put your money to work and increase the value of your assets in the long run for education funds and retirement savings? Whether you are a first-time investor considering long-term asset management, or are interested in offshore investments, this is an investment opportunity worth considering.

We are here to support those who are taking the first step into investment. In addition to the options explained today, we offer a wide range of choices and will propose the best solution tailored to your individual needs, with a team of experts from various countries, including our Japanese team. We are dedicated to supporting you in achieving your goals.  

Please feel free to contact us if you are interested or have any questions. You can reach us at info@melbournecapitalgroup.com or fill out the form below. We also accept inquiries via Twitter DM.

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