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投資信託の信託報酬の確認と計算の方法|バイサイドリーマンのライフログ
投資信託

投資信託の信託報酬の確認と計算の方法

今回は投資信託の信託報酬の確認方法と計算方法について解説します。

この記事を読むと以下の2点を理解できます。

  1. 信託報酬とは何か
  2. 投信を選ぶ際に信託報酬がどのくらいかかる商品なのか調べられる。

信託報酬とは

信託報酬とは、委託会社(実際の運用をしている会社および販売をする会社)に支払われる委託者報酬、受託者(信託銀行)に支払われる受託者報酬の合計です。これは土日関係なく投資信託を保有している期間、毎日計上されます(基準価額は信託報酬を控除した後の数値です)。

信託報酬って何のために支払うのか?

委託者報酬のうち運用会社に対して実際の運用コスト、販売会社に対して各種管理費用(運用報告書の送付、口座管理)がかかるため支払わなければなりません。

受託報酬については受託会社に対して(受託財産の管理委託者からの指図実行などの事務コスト)支払うものになります。

主に上の委託者報酬と受託者報酬の合計が信託報酬と呼ばれるものになります。

信託報酬の確認方法

次に信託報酬の確認方法です。

信託報酬については目論見書・運用報告書・月次報告書で確認することができ、いずれもWEB上で確認できます。

検索ワードとしては気になっている投信の名称などで一番上に出てきたページに行けばたどり着けます。

ひふみ投信の例ですと以下のようになっています(2020年8月現在の交付目論見書)

このファンドの場合一年通して持っていると税抜きで1.48%の信託報酬がかかるということになります。

信託報酬の計算方法

次に信託報酬はどのように計算できるのかを解説します。

一日分の信託報酬の計算は以下の通りです。

一日分の信託報酬=前日の基準価額×運用管理費年率÷365×保有口数

が保有している期間日数分、積みあがっていくわけです。

まとめ

信託報酬がどういったものかを知ったうえで、同じような特徴や実績を持ったファンドの場合は、より安い信託報酬のファンドを選ぶことが重要になると思います。