Summary of "過去30年毎月5万円投資で2.8億円！？新NISAで投資できるNASDAQ100投信徹底比較！"
Finance-focused summary (Nasdaq 100 / Japan NISA index funds)
Core investment idea + key simulation numbers
- Monthly investment: ¥50,000/month for 30 years
- Principal: ¥18,000,000
- Simulated future value using Nasdaq-100 (“NASDA100”): about ¥280,000,000 (also stated as ~¥282.7M)
- Disclaimer: This simulation is based on past data and does not guarantee future returns.
What “Nasdaq 100 (NASD/ND100)” means in this video
- Index description: Top 100 US non-financial companies listed on Nasdaq.
- Constituents mentioned (examples): NVIDIA (NVD), Microsoft, Apple, Amazon, Meta, Alphabet, Broadcom, Tesla.
- Compared with S&P 500: S&P is described as more “mainstream/established,” while Nasdaq-100 can include growth companies earlier.
Why Nasdaq-100 is framed as especially attractive now (3 reasons)
-
New / low-cost Japan index funds tied to Nasdaq-100
- SBI Securities fund introduced: SBI NASDAQ 100 Index Fund (subtitle shortened to “SBI NASDA100 Index Fund”).
- Trust fee (expense ratio) noted: 0.1958%/yr (presented as among the lowest in Japan).
- Other competitors mentioned (trust fees):
- Rakuten Plus Nasdaq 100 Index Fund: 0.198%
- SBI/Schedule or EMAX Nasdaq 100 (two funds referenced): 0.2035%
- IRenex / iF renext Nasdaq 100: 0.495% (higher)
-
Index inclusion mechanics change: “Fast Entry”
- The video claims Nasdaq-100 now has “Fast Entry” to allow faster inclusion of large newly listed firms.
- Fast Entry criteria described: issuer must be within the top 40 by market cap of the current Nasdaq-100.
- Timing described: value determined in the 7th trading session; potential adoption in the 15th trading session.
- Framing: designed to capture value from major future IPOs sooner.
-
Big potential IPO candidates tied to AI/space are discussed
- Mentioned as likely/rumored public companies:
- OpenAI: estimated IPO size ~$1T → ~¥150T (using ¥150/$)
- Anthropic: estimated ~$380B → ~¥57T (subtitles used “two yen units”)
- SpaceX: target ~$1.75T → ~¥262T
- Total estimated market value mentioned: ~¥470T (~80% of Japan’s GDP, per the speaker’s aggregation).
- Caution/disclaimer embedded: valuations and IPO timing/eligibility for Nasdaq-100 inclusion are not confirmed.
- Mentioned as likely/rumored public companies:
Historical example used to illustrate inclusion impact
- Tesla example (inclusion timing):
- Nasdaq-100 inclusion: July 15, 2013
- S&P 500 inclusion: Dec 21, 2020
- Price example: ~$8.50 (July 2013 adjusted basis) rising to ~$216 after S&P inclusion; described as ~25x increase over “a few months” (subtitle wording is inconsistent, but the magnitude claim is clear).
Methodology / comparison framework used in the video
- Compare Japan-listed Nasdaq-100 index funds on:
- Trust fees (expense ratios)
- Securities company point rewards
- “Pure” performance tracking vs the index (tracking quality implied)
- Returns / risk / Sharpe ratio over 1, 3, 5 years
- Important clarification about performance metrics:
- The video states displayed fund returns are net of trust fees (based on NAV after costs), not “before costs.”
Fund candidates mentioned (Japan-listed)
Five funds compared (names abbreviated in subtitles):
- SBI NASDAQ 100 Index Fund — 0.1958%
- Rakuten Plus Nasdaq 100 Index Fund — 0.198%
- Schedule / “E-MAXIS” Nasdaq 100 Index Fund — 0.2035%
- IR Next Nasdaq 100 — 0.495%
- EAX / “E-mathis” (another Nasdaq-100 variant mentioned near the 0.2035% group; exact naming is slightly garbled)
Also mentioned: eligibility/limitations for regular investment plans (“定期積立”) and tax-advantaged purchase allowances (“investment contribution program”), with some funds excluded for 2026 and meeting criteria starting later (from 2027).
Key results: fee impact and performance metrics
4) Fee difference can create ~¥15.94M gap (theoretical)
- Scenario: ¥50,000/month for 30 years
- If expense ratio 0.1958% → projected value ~¥271.72M
- If expense ratio 0.495% → projected value ~¥255.79M
- Difference: about ¥15.94M
- Speaker’s attribution: a 0.3% fee difference, assuming ~15% annual return.
- Disclaimer: framed explicitly as a theoretical simulation, not guaranteed.
5) Actual performance (returns, volatility, Sharpe) — “all similar, but higher-cost slightly worse”
Past 1 year:
- Sharpe best: ~2.69, tied for first with Rakuten Plus and Schedule
- E-MAX: ~2.68
- IreNex: ~2.67
- Risk (volatility): stated as ~16.37% for the group
- Note: the video claims IreNex underperformed ~0.4%–0.5% vs lower-cost funds (consistent with a fee-gap narrative, though not exclusively explained by fees).
- Caution: performance differences may reflect trading timing, flows, benchmark tracking/correlation, and other costs, not only fees.
Past 3 years:
- Rakuten Plus: no 3-year data (per subtitles)
- Sharpe: EMAX ~1.6, IreNex ~1.59
- Risk: ~20.35% (stated same across funds)
- Return leader details are less precise, but the theme remains: low-cost funds slightly better.
Past 5 years:
- Only IreNex and EAX comparable (Rakuten Plus and another name not established long enough; names garbled)
- Sharpe: EAX ~1.17, IreNex ~1.16
- Risk: ~21.64% (same)
- Narrative: low-cost advantage persists, but differences are small since all track the same index.
6) Point rewards: which broker can improve “effective cost”
Rakuten Securities
- Point program described for Rakuten Plus Nasdaq 100
- Annual point return: 0.05%
- Claim: Rakuten Plus series eligible; Dates and EMAX not eligible (as per subtitles)
- Net effect described: “another 0.05%” effectively improving economics vs trust fee.
- Concrete statement: Rakuten Plus reported as ~0.198% trust fee; points may reduce effective cost.
SBI Securities
- SBI has a “mileage”/points promo:
- 0.05% per year mentioned (similar structure to EMAX)
- IreNex stands out with 0.1% per year new deposit reward
- Simple subtraction example (approximate effective rates):
- SBI customers: 0.1458%
- Schedule & E-machines: 0.1535%
- IreNex: ~0.395%
- Caution: point systems may change; “simple tests” may not reflect future reality.
Broker-based recommendation tone
- For Rakuten users: choose Rakuten Plus (cost-effective with points).
- For SBI users: speaker suggests SBI’s “SBI Summer”-like option is promising for new purchases; existing holdings don’t require urgent selling.
Explicit decision criteria / recommendations (plus cautions)
How to choose (as framed)
- If buying through Rakuten Securities:
- Rakuten Plus is presented as most cost-effective (fees + points).
- If buying through SBI Securities:
- Wait/review for SBI’s newly launched fund due to limited history; check tracking error/benchmarking.
- For investors using regular investment plans (定期積立):
- IreNex is highlighted as the only one currently supporting regular investment plans (per subtitles).
- For growth-investment framework / longer holding allowances:
- Some funds may qualify from 2027 onward (e.g., IreNex and possibly EMAX depending on application timing).
Should you sell current holdings?
- No rush to sell: low-cost differences among funds are described as “very small,” especially between cheaper options.
- Practical approach suggested: keep current holdings and switch to lower-cost funds for future purchases.
Risk management warning (important)
- Nasdaq-100 is described as not suitable for everyone due to:
- High return potential but large price fluctuations
- Possibility of market crashes
- Key behavioral/portfolio questions posed:
- Whether Nasdaq-100 should be core vs satellite
- What % of total assets to allocate
- Ability to hold through downturns
Disclaimers
- Simulation is not guaranteed and is historical.
- No explicit “not financial advice” wording appears in the provided subtitles.
Tickers / assets / instruments mentioned
- Index: Nasdaq-100
- Stocks (examples): NVIDIA (NVD), Microsoft, Apple, Amazon, Meta, Alphabet, Broadcom, Tesla
- Benchmark mentioned: S&P 500
- Rumored IPO companies: OpenAI, Anthropic, SpaceX
- Currencies / rates used in examples:
- ¥150 per $ (OpenAI estimate)
- “two yen units” used for other IPO conversions (exact rate unclear due to subtitles)
Presenters / sources
- Presenter: “Gako” (also referred to alongside mentions of book announcements)
- Named third-party / sources referenced:
- SBI Securities
- Reuters (timing/intent behind index rule changes)
- “Diver Set” (official simulation source mentioned)
- Rakuten Securities (platform returns/point program mentioned)
Category
Finance
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