今が老後のリスクを考えるとき

おひとり様のお金事情

こんにちは!おひとり様暮らし満喫中のSAWAです。
コロナ問題はどんどん大きくなってきていますね。
日経平均は続落です。

私は、バブル崩壊もリーマンショックも知りません。
知らないは語弊がありますね。(汗)
そのときに、株などには手を出していなかったので、自分に資産へ直撃を受けていません。

でも今は・・・直撃です!

国が推進している、NISA(ニーサ)もideco(イデコ)もしています。
個別株も持っていますし、投資信託も外貨もあります。
びっくりするくらい直撃です!!
こんなに下がるのか!!というくらい下がるんですね…。
本気で投資している人たちは、「今が買いどき!」なんて声も聞きますが、普通のOLにそんな潤沢資金はありません。
現金をすべて投資に回すようなリスクを負えないです。
八方ふさがり。(涙)

長期投資をすれば結果的にはプラスになる

どの本にも書いてあることですが、こんないっきにマイナスになると心が折れそうですよね。

世の中の人もみんな同じ気持ちなんでしょうか…。
切ない。
バブルもリーマンも知らないからこそ、少し楽観的に考えていた部分はあったと思います。
銀行より利率がいいから投資だ投資だ!と。
今、私が60歳だったら。
使うタイミングで暴落しているかもしれません。
怖い~~

ポジティブに考えれば、こんなことがあるんだと知れたことは、今後の貯蓄に大きく影響しそうです。
50歳になったときに再考することもできると思います。

それでも…やっぱり…(涙)
同じ気持ちの方はいらっしゃいますか??

マネーフォワードというアプリを使うと、自分の現預金や株など毎日の動向を1つのサイトで管理できます。スマホ対応しているのでおすすめです!
 → マネーフォワード

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