Want to try investing but fear losing your hard-earned 現金? “Point Investing” is the perfect entry point. It allows you to invest using loyalty 積分 earned via daily shopping, meaning zero out-of-pocket capital. We cover the basics of point investing.

The Two Types of Point Investing

1. Point Asset Management (疑似投資 - Sandbox)

No brokerage account required. Your 積分 fluctuate in value in lockstep with real-world mutual funds or stock indices.

• Perks: Activates instantly in app; usually fee-free.

2. Real Point Investing (本物の投資 - Brokerage)

積分 act as real currency (1 Point = 1 JPY) to purchase real stocks or mutual funds within a linked brokerage account.

• Perks: Works within NISA tax-free accounts, paying out dividends in 現金.

Best Brokerage Links

• Rakuten 積分 x Rakuten Securities: The gold standard. Supports automatic point deduction for monthly NISA mutual fund purchases.
• d-積分 x SMBC Nikko Froggy: Allows purchasing fractions of shares starting at just 100 JPY/積分.
• Ponta 積分 x au Kabucom Securities: Supports buying mutual funds and odd-lot shares using Ponta.