資産運用をする上で、自分に合う投資スタイルを見つけることが重要です。そのためには投資する商品の特徴を把握することが不可欠です。金融商品の選び方金融商品は「安全性」、「収益性」、「流動性」という3つの観点で整理すると、商品の特徴が分かりやすくなるほか、比較検討しやすくなります。預貯金今回は、馴染み深く、ほとんどの方が利用している預貯金について触れていきます。ポイント① 安全性、流動性が高い預貯金とは、「預金」や「貯金」の総称で、一般的に銀行などの金融機関にお金を預けることを指します。安全性と流動性預け先の金融機関による元本保証（元本1000万円と利息）があります。また、銀行窓口のほか、ATMから現金をすぐに引き出すことが可能です。利子預貯金をしている間は、定期的なに利子を受け取れます。ポイント② リスクもちろん、預貯金にもリスクがあります。1つが、信用リスクです。預け先の金融機関が破綻する可能性があります。2つ目がインフレリスクです。預金金利が物価上昇率よりも低い場合は、預貯金の実質価値が目減りする可能性があります。そのほか、外貨預金の場合は、「為替変動リスク」や「カントリーリスク」があります。ポイント③ リスク対策上記のリスクに備えて、以下の対策が有効です。資産分散預貯金だけでなく、株式や投資信託などの金融商品にも資産配分を行う。最後に普段から利用している預貯金にもリスクがあります。特に、コロナ禍後は物価上昇していることを、肌で感じている人は多いと思います。また、人生100年時代と言われ、自助努力で資産運用を始めないと、老後の生活もままならないと言われています。ご相談やご質問など資産に関するお悩みやご質問等ございましたら、以下のLINE公式アカウントよりご連絡ください。皆様のご連絡をおまちしております。↓LINE公式アカウントは以下の画像をタップ↓※これらの資料は、投資判断の参考となる情報提供を目的とし、積極的な売買を推奨していません。投資の最終的な決定は、ご自身の判断でなさるようにお願いします。また、本資料は信頼できる各種データに基づいて作成していますが、正確性・完全性を保証するものではありません。%3Ca%20href%3D%22https%3A%2F%2Fcoco-chi.com%2Farticle%2Ffinance-009%22%20target%3D%22_blank%22%20rel%3D%22noopener%20noreferrer%22%20style%3D%22text-decoration%3A%20none%3B%20color%3A%20inherit%3B%20display%3A%20inline-block%3B%20width%3A%20100%25%3B%20height%3A%20100%25%3B%22%3E%3Cdiv%20style%3D%22position%3A%20relative%3B%20padding%3A%2010px%3B%20max-width%3A%20390px%3B%20background-color%3A%20transparent%3B%20transition%3A%20transform%200.3s%20ease-in-out%3B%20cursor%3A%20pointer%3B%20pointer-events%3A%20none%3B%22%20onmouseover%3D%22this.style.transform%3D'scale(1.02)'%22%20onmouseout%3D%22this.style.transform%3D'scale(1)'%22%3E%3Cdiv%20style%3D%22position%3A%20relative%3B%20padding%3A%2020px%2015px%3B%20max-width%3A%20390px%3B%20background-color%3A%20transparent%3B%20font-family%3A%20Arial%2C%20sans-serif%3B%20border%3A%201px%20solid%20%23000%3B%20border-radius%3A%2010px%3B%20pointer-events%3A%20all%3B%22%3E%3Cdiv%20style%3D%22font-size%3A%2018px%3B%20font-weight%3A%20bold%3B%20position%3A%20absolute%3B%20top%3A%20-12px%3B%20left%3A%2015px%3B%20background%3A%20white%3B%20line-height%3A%201.2%3B%20white-space%3A%20nowrap%3B%20padding%3A%205px%2010px%3B%22%3E%E2%9C%94%20%E3%81%82%E3%82%8F%E3%81%9B%E3%81%A6%E8%AA%AD%E3%81%BF%E3%81%9F%E3%81%84%3C%2Fdiv%3E%3Cdiv%20style%3D%22display%3A%20flex%3B%20align-items%3A%20center%3B%20padding%3A%2010px%3B%20max-width%3A%20100%25%3B%22%3E%3Cdiv%20style%3D%22width%3A%20100px%3B%20height%3A%20100px%3B%20border-radius%3A%2010px%3B%20background-color%3A%20transparent%3B%20display%3A%20flex%3B%20align-items%3A%20center%3B%20justify-content%3A%20center%3B%20overflow%3A%20hidden%3B%20flex-shrink%3A%200%3B%20margin-right%3A%2010px%3B%22%3E%3Cimg%20src%3D%22https%3A%2F%2Fstorage.googleapis.com%2Fstudio-cms-assets%2Fprojects%2FZ9qpbMXNWP%2Fs-500x500_webp_35f60622-c5fe-41c0-b0b9-d2d41e3514d9.png%22%20alt%3D%22%E3%82%A2%E3%82%A4%E3%82%AD%E3%83%A3%E3%83%83%E3%83%81%E7%94%BB%E5%83%8F%22%20style%3D%22width%3A%20100%25%3B%20height%3A%20100%25%3B%20object-fit%3A%20cover%3B%20border-radius%3A%2010px%3B%22%3E%3C%2Fdiv%3E%3Cdiv%20style%3D%22font-size%3A%2014px%3B%20color%3A%20%23333%3B%20flex-grow%3A%201%3B%22%3E%3Ch2%20style%3D%22font-size%3A%2016px%3B%20margin%3A%200%3B%22%3E%E3%80%90%E3%83%AC%E3%83%83%E3%82%B9%E3%83%B36%E3%80%91%E9%87%91%E8%9E%8D%E5%95%86%E5%93%81%E3%81%AE%E7%89%B9%E5%BE%B4%E3%80%80%E3%80%9C%E6%8A%95%E8%B3%87%E4%BF%A1%E8%A8%97%E7%B7%A8%E3%80%9C%3C%2Fh2%3E%3Cspan%20style%3D%22display%3A%20inline-block%3B%20margin-top%3A%208px%3B%20padding%3A%204px%208px%3B%20background-color%3A%20%2392D1D3%3B%20color%3A%20white%3B%20border-radius%3A%205px%3B%20font-size%3A%2012px%3B%22%3E%23%E3%81%8A%E9%87%91%E3%81%AE%E4%B8%8D%E5%AE%89%E3%81%A8%E5%90%91%E3%81%8D%E5%90%88%E3%81%86%3C%2Fspan%3E%3C%2Fdiv%3E%3C%2Fdiv%3E%3C%2Fdiv%3E%3C%2Fdiv%3E%3C%2Fa%3E%3Ca%20href%3D%22https%3A%2F%2Fcoco-chi.com%2Farticle%2Ftoushi-start%22%20target%3D%22_blank%22%20rel%3D%22noopener%20noreferrer%22%20style%3D%22text-decoration%3A%20none%3B%20color%3A%20inherit%3B%20display%3A%20inline-block%3B%20width%3A%20100%25%3B%20height%3A%20100%25%3B%22%3E%3Cdiv%20style%3D%22position%3A%20relative%3B%20padding%3A%2010px%3B%20max-width%3A%20390px%3B%20background-color%3A%20transparent%3B%20transition%3A%20transform%200.3s%20ease-in-out%3B%20cursor%3A%20pointer%3B%20pointer-events%3A%20none%3B%22%20onmouseover%3D%22this.style.transform%3D'scale(1.02)'%22%20onmouseout%3D%22this.style.transform%3D'scale(1)'%22%3E%3Cdiv%20style%3D%22position%3A%20relative%3B%20padding%3A%2020px%2015px%3B%20max-width%3A%20390px%3B%20background-color%3A%20transparent%3B%20font-family%3A%20Arial%2C%20sans-serif%3B%20border%3A%201px%20solid%20%23000%3B%20border-radius%3A%2010px%3B%20pointer-events%3A%20all%3B%22%3E%3Cdiv%20style%3D%22font-size%3A%2018px%3B%20font-weight%3A%20bold%3B%20position%3A%20absolute%3B%20top%3A%20-12px%3B%20left%3A%2015px%3B%20background%3A%20white%3B%20line-height%3A%201.2%3B%20white-space%3A%20nowrap%3B%20padding%3A%205px%2010px%3B%22%3E%E2%9C%94%20%E3%81%82%E3%82%8F%E3%81%9B%E3%81%A6%E8%AA%AD%E3%81%BF%E3%81%9F%E3%81%84%3C%2Fdiv%3E%3Cdiv%20style%3D%22display%3A%20flex%3B%20align-items%3A%20center%3B%20padding%3A%2010px%3B%20max-width%3A%20100%25%3B%22%3E%3Cdiv%20style%3D%22width%3A%20100px%3B%20height%3A%20100px%3B%20border-radius%3A%2010px%3B%20background-color%3A%20transparent%3B%20display%3A%20flex%3B%20align-items%3A%20center%3B%20justify-content%3A%20center%3B%20overflow%3A%20hidden%3B%20flex-shrink%3A%200%3B%20margin-right%3A%2010px%3B%22%3E%3Cimg%20src%3D%22https%3A%2F%2Fstorage.googleapis.com%2Fstudio-cms-ass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