今ままで将来に備えた資産形成の話から、資産形成にあたって必要な金融商品の特徴をご紹介してきました。今回は投資を始めるにあたって、より具体的な計画や対策などを確認していきましょう。ポイント① 長期的運用投資は長期的な視点で運用することが基本です。金融商品の価格は上昇したり、下がったりします。目先の利益を狙うと一時的に損している状態がありますが、長期的に視野で運用すれば、より効果的な資産運用ができます。ポイント② 積立投資投資をする際は、一度に投資せず、「定期的」に「一定額」を積み立てて投資すると、リスクを抑えた資産運用ができます。積立投資によるリスク分散ができる理由については、以下の記事をご覧ください。ポイント③ 分散投資投資の世界では、「1つのカゴに卵を盛るな」という格言があります。1つのカゴに卵をたくさん入っている場合、そのカゴが倒れてしまったら、中にある卵が全て割れてしまいます。しかし、複数のカゴを用意して、それぞれのカゴに卵を入れれば、1つのカゴが倒れてしまっても、残りの卵は割れません。このように、投資も1つだけの銘柄や1種類などではリスクが高いので、なるべく分散を心がけて投資しましょう。ポイント④ リスク許容度投資において、どの程度のリスクを引き受けられるかが、「リスク許容度」です。「リスク許容度」は、一人一人によって異なります。「客観」、「主観」の両面から総合的にリスクについて考えましょう。客観的な要素は、収入、資産額、投資経験、今後のライフイベントの数などで、（他の条件が同じなら）収入や資産額は多い方がリスク許容度は高いと言われています。一方で、主観的な要素は、精神的・性格的な部分で、例えば、保有している金融商品の価値が下がると眠れないといった場合にはリスクを取りすぎないように注意しましょう。ポイント⑤ ポートフォリオこのようにリスクと付き合うには、どの程度の値下がりなら、どのくらいの期間耐えられるかと、具体的にイメージすることが重要です。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-010%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_ac18b6f5-2937-4ad3-94d0-2e3f2f2b8950.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%B37%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%E9%A0%90%E8%B2%AF%E9%87%91%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%2Ffinance-004%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_90fea66b-0570-4654-a65a-b8fb3fa9158c.png%22%20alt%3D%22%E3%82%A2%E3%82%A4%E3%8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