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This is a financial technique in which points accumulated through shopping and other activities are used as investment funds, and profits can be received in cash. It is a very easy way to build up assets with just 0 yen. ..
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For example, if you use a service that allows you to earn the equivalent of one yen per point for shopping, 100 points can be used to purchase financial products worth 100 yen. What is noteworthy is the large number of investment options. There are more than 2,700 investment trusts and more than 4,000 stocks. Even if you incur a loss, you can still make a profit. Even if you incur a loss, you only lose points. There is no risk of losing your money, and it is recommended for beginners. Mr. Takahito Kikuchi, the representative of &#8220;Poy Search Inc.
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 He said, &#8220;With the Corona disaster, people tend to refrain from traveling and eating out and don&#8217;t spend money. People in their twenties and thirties are now starting to use Tsumitate NISA (Small Amount Investment Tax Exemption System) in anticipation of the future. As a result, point investments are also attracting attention and becoming a boom. Since the principal is points, even if you fail, you don&#8217;t have to worry about it. This lack of psychological pressure is important. In fact, I tried it and did not lose any money. I did not lose any money. I would recommend it to people who are thinking, &#8216;I want to start investing in the future, but I&#8217;m scared to start with cash.
Have you ever looked at your balance and thought, &#8220;I&#8217;ve been accumulating more than 100 points every month, but I have no use for them,&#8221; or &#8220;I always have a fraction of points left over?
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The first step to investing in points is to collect them in a way that suits your lifestyle. Harumi Maruyama, a consumer advisor, explains.
 The first thing you need to do is formulate a strategy for which services you want to accumulate points. If the minimum unit required for investment is 100 points, it will be difficult to get to the point of investing if the points are not easy to accumulate. You may want to examine your life and decide which investment service to use based on which service you can continue to accumulate points. Pay attention to the brokerage account fees.
 When investing, the higher the trading fees, the lower the profit margin, so when choosing a service, you should be concerned about whether you can afford to lose out on fees. The easiest way to get started is to find out which credit card or loyalty card you mainly use, and then open a securities account that is eligible for those points.
If you are worried about trading at a brokerage firm, you can try a service called &#8220;point investment. The difference between this and &#8220;point investment&#8221; is that you receive your profits in points. The difference between this and &#8220;point investment&#8221; is that you receive profits in the form of points, and your points increase or decrease according to changes in stocks and mutual funds. You can increase your points by investing them instead of cash. There is no need to open a securities account, and you can start immediately. It&#8217;s a good way to get used to investing in points and earn points, so you can kill two birds with one stone. As Mr. Kikuchi says, &#8220;There are no management fees or usage fees.
 There are no management fees or usage fees, and you can withdraw your points at any time. Another advantage is that the points do not expire while in operation. If you are a &#8220;Ponta Card&#8221; user, you can choose a course from the &#8220;au PAY App&#8221;. If you are a Ponta card user, you can simply select a course in the &#8220;au PAY Application&#8221; and the application will manage the service for you.
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<h2>Which points should I choose?</h2>
Once you have accumulated enough points, it&#8217;s time to start investing. Go to the point company&#8217;s website and open a securities account (see below for required documents). At that time, you will need to register your personal information with the point service. Be sure to take down the ID and password issued to you. Once you have linked your securities account to your points, you are all set.
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The table below summarizes the major point investment services. Let&#8217;s take a look at them in order. One of the strengths of T Point, one of Japan&#8217;s largest point services, is that it allows you to trade in units of one share. You can buy shares of major companies such as Sojitz Corporation and Nomura Holdings, Inc. for just over 500 yen. Since 200 points are awarded every month while investing in points, the monthly fee is only about 20 yen per month for transactions of less than 500,000 yen per month, which is very inexpensive.
On the other hand, &#8220;Ponta Points&#8221; is probably the most attractive because of its overwhelming ease of use.
 In cooperation with au Kabukom Securities, you can purchase more than 1,400 investment trusts for zero yen. You can start with as little as 100 yen per month. It is suitable for beginners. If you increase the number of shares you buy, you can also receive special benefits and dividends,&#8221; said Mr. Maruyama.
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The application for LINE POINT can be completed in as little as three minutes, and the account can be opened as soon as the next business day. If you answer a simple quiz correctly when you open your account, you can receive up to three shares for your first purchase. You can start investing even if you have no money or points. There are more than 20 categories such as &#8220;popular special benefit stocks&#8221; and &#8220;high dividend stocks,&#8221; so you will never be confused about where to invest.
If you are a docomo smartphone user, you can choose to use d-points. Since smartphones are used on a daily basis, you can accumulate points rapidly, and the number of stores where you can invest them is rapidly expanding, making it the easiest way to gather capital. You can invest in about 3,700 stocks, and the dedicated app makes it easy to manage. The biggest advantage of this service is that you can increase your capital while investing, as points are awarded according to the amount invested.
Rakuten Point is outstanding in the variety of products it offers. There are about 4,000 domestic stocks and 2,700 investment trusts. You can choose products in the same environment as cash investment.
 There are so many that it&#8217;s hard to choose, but I recommend U.S. stocks. I invested in the Rakuten U.S. Equity Index Fund, and my 70,000 points turned into nearly 100,000 in two years. However, be aware that the limited time bonus points cannot be used for investment. It is better to use the bonus points for Rakuten Pay or Rakuten Ichiba,&#8221; says Mr. Kikuchi.
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<h2>No disadvantages</h2>
If you don&#8217;t want to spend too much time choosing where to invest, Matsui Securities Points are perfect for you. Just by shopping with your Matsui Securities Card, you can accumulate points (0.5% to 1% return rate) and start investing with 100 points or more. If you set up an automatic savings account, you can automatically buy investment trusts once a month with all the points you have accumulated. You only have to choose which stocks to buy from three carefully selected stocks.
Once you have gained experience in point investing, you can start investing in cash. Akio Iwata, a consumer lifestyle critic, says, &#8220;Try point investing.
If you have a lot of points, you can start investing in cash. The more points you have, the more trial and error you can do, and the more winning patterns you can find. You may even become a real investor by starting with point investments. &#8220;
Mr. Kikuchi continues.
To be honest, there are no disadvantages. There are no disadvantages to be honest. The market is stable and the value doesn&#8217;t plummet like Bitcoin and other virtual currencies.
Point investment is super easy and risk-free. There is no reason not to start.
From the March 4, 2022 issue of FRIDAY

 AFLO

 There is a boom in "point investments" that can be started with zero cash. There are few losses and disadvantages, and many familiar services such as T-Points and Rakuten are offering this service. Why don't you start using your points effectively?

Invest Without Cash! Build Your Asset With “Point Investment”

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