Transfer wiseで、流動性のある変動金利2.71%のユーロ金利商品(GBPは4.12%, USDは4.55%)が紹介されてたので商品を見てみたら、将来がどうなるかは分からないが、過去のパフォーマンスは赤字で今年からリターンが出ているものの数%程度で、このパフォーマンスに対してボラティリティにユーロ資金を投下するコスパが悪すぎるという結論を出した。
ノーアクションで、引き続き今の普通預金で変動金利1.79%を維持することにする
年間1,200ユーロ(157円で18万円程度)の追加金利収入のチャンスを逃すことになるが、金利は株のように上限がすごくないので、リスクとリターンの関係が私にとってはイマイチなので今回はやめる
ちなみに、コメルツバンクは6月21日時点では、GBPは1年で4.65%の固定金利、USDは1年で4.5%の固定金利、EURは1年で2.25%(2年で2.5%の固定金利)の固定金利で商品が出ていた
イギリスとアメリカの金利がものすごいことになっていることを感じる
以下、Black Rockの金融商品（全く投資冥利を感じなかったが、備忘録）
| YTD | 1m | 3m | 6m | 1y | 3y | 5y | 10y | |
|---|---|---|---|---|---|---|---|---|
| Total Return (%)
as of 31-May-2023 |
0.95 | 0.23 | 0.66 | 1.04 | 1.01 | -0.44 | -1.74 | -3.47 |
| Comparator Benchmark 1 (%)
as of 31-May-2023 |
1.07 | 0.27 | 0.73 | 1.21 | 1.31 | 0.13 | -0.96 | -2.28 |
The figures shown relate to past performance. Past performance is not a reliable indicator of future results and should not be the sole factor of consideration when selecting a product or strategy.
The return of your investment may increase or decrease as a result of currency fluctuations if your investment is made in a currency other than that used in the past performance calculation.
Source: BlackRock, as at most recent available data in the Performance Returns table. Refer to the latest KIID document for more Performance information.
The currency of returns is EUR for each historical period displayed. Returns are expressed as a percentage change of the Fund's net asset value. Performance is shown after deduction of ongoing charges. Total return represents changes to the NAV based on the amortised cost of underlying securities, and accounts for income reinvested into the Fund as represented by the price of the Fund. The Average Annual return represents the amount of money an investment could have earned over a one year period. The Cumulative return represents the amount of money an investment could have earned for an investor, irrespective of time.
The return of your investment may increase or decrease as a result of currency fluctuations if your investment is made in a currency other than that used in the past performance calculation.
Source: BlackRock, as at most recent available data in the Performance Returns table. Refer to the latest KIID document for more Performance information.
The currency of returns is EUR for each historical period displayed. Returns are expressed as a percentage change of the Fund's net asset value. Performance is shown after deduction of ongoing charges. Total return represents changes to the NAV based on the amortised cost of underlying securities, and accounts for income reinvested into the Fund as represented by the price of the Fund. The Average Annual return represents the amount of money an investment could have earned over a one year period. The Cumulative return represents the amount of money an investment could have earned for an investor, irrespective of time.
Key Facts
Net Assets of Fundas of 30-Jun-2023 EUR 1,013,990,894.58
Performance Start Date 01-Oct-2010
Fund Inception 10-Dec-2008
Base Currency EUR
Fund Type Constant NAV
Comparator Benchmark 1 Overnight ESTR
SFDR Classification Other
Ongoing Charge 0.100%
ISIN IE00B41N0724
Management Fee 0.100%
Minimum Initial Investment EUR 500,000,000
Domicile Ireland
Regulatory Structure UCITS
Issuing Company BlackRock Asset Management Ireland Limited
Fiscal Year End 30-Sep
Dealing Settlement Trade Date
Dealing Frequency Daily, forward pricing basis
Bloomberg Ticker INSEGPD
SEDOL B41N072
Trading Deadline 10:30 AM (IST)
Source: BlackRock
IST = Irish Standard Time. ET = Eastern Time.
The charges are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. There are currently no entry or exit charges associated with this Fund.
IST = Irish Standard Time. ET = Eastern Time.
The charges are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. There are currently no entry or exit charges associated with this Fund.
Portfolio Characteristics
Daily Maturing Assetas of 30-Jun-2023 99.8%
Weekly Maturing Assetas of 30-Jun-2023 100.0%
Weighted Average Maturity as of 30-Jun-2023 3 days
Weighted Average Life as of 30-Jun-2023 3 days
Daily Distribution Factoras of 30-Jun-2023 0.025138399
1-day Yield as of 30-Jun-2023 3.09
7-day Yield as of 30-Jun-2023 3.16
30-day Yield as of 30-Jun-2023 3.06
Yields shown are net. Source: BlackRock and JPMorgan as Fund Accountant. All information is as at the date specified in the Portfolio Characteristics Table.
