Survey 401k interesting Association!

Introduces 2 million people our 401k’s from corporate pension fund Association “defined contribution pension survey” this time, over two times last time. Often targeted results in the study conducted in relation to past 401k survey, part, questions also explores the practical realities of what things would be helpful also.

If you are interested in so you can survey free download anyone from HP’s Pension Fund Association check contents.

Now, we think “the expected yield operational goals based on the previous story. I think this time I want to think the production percentage for mutual funds. Taking risks, how much goes, challenge to the production can achieve expected yield? Hopefully think production at what?

(Part 1) your operational objectives is the annual 2. That’s 26%!
(Part 2) everyone is buying 46% investment! （ next ）

→ 14′s operational products. 76 Books? To next page

Choice of investment product the average ” n/a Books ”

There are lot of 401(k) products. The average number of products is n/a book survey corporate pension fund Association. Had a nearly similar numbers in the statistics of the Ministry of health. Quite lot there. “Units like you in like proportion can buy it” said that would also appear that perhaps choices with embarrassed it. I was embarrassed when organizing your first principal-protected type or investment trust or good.

“Principal-protected type product”, having until maturity is the principal and constant yield return item. Providing banks and other deposit type and provides life insurance and non-life insurance types. Yield higher deposit bank tellers usually neither is a normal, check （ overhauled when the newly deposited monthly yields ）. 2 Books about life insurance-insurance system should in the average company in Bank system of as many as 2. The maturity each divided wind, such as 5 or 10 years.

“Mutual funds” principal cracking is a commodity, but is likely to average higher savings yields are obtained. So has become able to buy mutual funds that feel free to Bank recently, fairly is becoming familiar products, would most people mutual fund “first time” through a 401K to buy isn’t either. About the mutual funds (1) （２） （３） （４） （５） good and taking a look at how to divide such as the balanced foreign bond, foreign stocks type, Japan bond, Japan type, stock n/a From a mutual fund will be operated only in operation for each, (5) is (1) to operate the mix from (4) operational target.

Average statue by the survey (1) Japan co., Ltd. type: 3 books, (2) Japan Bond 1 book, (3) foreign shares type: 1 or n/a foreign bond: 1 book, （５） is a balanced four. Set of 3 to 4 in high and low percentage of equity investment for balanced has is Basic. （１）-(4) information is always powered seems is theory and one of these mutual funds passive will properly earns the average of each market.

So for my company 401k operational options, listed ＨＰ support, brochures etc., try your people know once we should.

-> I buy mutual funds much BTW? Next page

Proportion of the operational fund 46%!

When you formulate a management plan for the first “principal-protected type • %: investment trust ● %” of good will and start thinking of the percentage. Even when worked as a high percentage of mutual fund yields increase when markets fell also affected by. If can rise more than 40% over the years the Japan shares last year also, may fall more than 20% of the 2002 fiscal year. Unthinkable in savings or price is.

Question how much I buy mutual funds? the answer is not really. Is difficult to determine. This is because from the percentage correct is different each one. Is how much the themselves take the risk myself think return (yield) comprehensively as required much, we never judge. However, because maybe my sense of judgment is required, just a fuzzy element it enters.

So try to reference the is a Federation of research. Subscribers 2 million people nationwide average is, be one of the tips as the Japan national average. Then, is the average percentage of production “46% of mutual funds: principal-protected 54% type” did (based on accounts payable). Are the images in short though taking risks, about half, aiming for high returns like it’s half too took a risk, so I will, a little ahead.

You can expect is about 5.7%, an average yield of well distributed in shares and bonds, from the use of （ expected return of the portfolio of the Pension Fund Association. Distributed percentage is 37% domestic bond, 33% domestic stocks, 7% bonds, 23% of the foreign shares. Incidentally, 9.79% risk ）. If “investment trust and 46: principal secured 54″ for yield if you rate in operational and profitable investment trust, 5.7% partial, principal-protected type as much as 0.7% part and can expect the entire is 2.71% years. 2.26% A year average operational objectives introduced in the previous will somehow clear the calculation.

That somehow moderate operating feeling is like many during operations in the first investment trust （ don’t forget and, of course, turn to each of the people 100% of deposit or investment 100% trust and, in 46: 54 as the average ）. What is the percentage of your production?

→ low percentage of mutual fund people notice? To next page

Considerations for people with low percentage of mutual fund

If “it is and I about 2% of mutual funds now maybe not a” or “increase 3% of mutual funds but I bought more scared,” who do or will. Here attention points here are basic.

● is the company that started a 401K when the stock price was down to let me out courage
-9/ n/a /2002 In the survey, （ 401k from start at the second year ） to began the 401k company has noted that the extremely low percentage of investment trusts. So was thought’s worst share Nikkei average dropped up to 8000 yen, and at this time, would many people courage to buy a mutual fund does not come out. It does help. But now, given the percentage of the production when the purchase rate at that time forgot once, try to think from scratch. It may seem a “calm, think about 4 percent dont hear a” maybe.

● who don’t have the guts to just raise the purchase mutual funds fit into even ＯＫ
Because stock is affected by movements of interest rates the day-to-day investment trust, to price movements daily number % or more is not unusual. Will have their property to do such violent price action uneasy anyhow. Such a person is irrational does not increase the percentage of investment trusts. It is a good percentage of just think to yourself. To convince you that, of course, low percentage of investment trusts, their assets are insufficient about millions of Yen to model retirement as previously described. Or, from 46% are afraid it put about 3 percent and 2 percent of is one option. No doubt still can expect higher yields 100% principal secured.

So-expected yield is useful information, but it too not tied
When considering whether to how much percentage of investment, expected yield is one of the great tips. Is is from retirement money erodes cannot clear the expected yield. But think only to clear the expected yields, increased purchase rate for the investment trust blindly is a tricky problem. At the same time cracking because that percentage of mutual fund purchase high principal from the increased risk is. But may be a temporary principal cracking if the violent price action including unbearable forcibly not increase percentage of investment. “Could earn as much as 2.7%, if 46% of mutual funds is also is the only one of the references in.

Introduced three tips. If you thought “my mutual fund percentage increased let kana”, visit the ＨＰ support and call center, try doing a review of the percentage. Reviewing （ ａ ） （ ） and how to change the percentage of accounts payable next month there are ways to change the percentage of assets under management. Neither can be separately, can be the same percentage also and. We should first try to challenge from the accounts payable. Who still haven’t purchased only a few percent of the investment trust what was once consider the challenge?

(Part 1) your operational objectives is the annual 2. That’s 26%!