Episode 8: Choosing Funds and Setting Up Recurring Investments

Yuto sat on a bench at the botanical garden, absentmindedly watching Hikappa's pot resting beside him. Today was the day he would finally put his asset building into motion—with that determination in mind, he pulled up his smartphone.

① Choosing the Funds — Deciding the Right "Soil" for Your Companion

Reviewing the handwritten note Miona-sensei had given him, Yuto organized his options. The golden rule here was finding something "he could genuinely sustain." Instead of overcomplicating things, his absolute top priority was consistency.

Yuto navigated through various fund pages, bouncing back and forth between different pieces of data—popular products, low-cost choices, and robo-advisor models...

• Rakuten Plus All-Country — The classic All-Country Equity Index Fund
• Raku-Raku Investment (Firm Course) — A robo-advisor fund that requires nothing more than answering a few simple questions on your phone

Miona-sensei's words echoed in his mind: "There isn't just one correct answer. What matters most is that you can stick with it. Testing both options in parallel is a wonderful way to start."

With that, Yuto made his final decision.
By comparing two products with completely different natures as he moved forward, the variations in how each recurring investment grows would become beautifully clear. Miona-sensei's gentle encouragement was exactly the final push he needed.

② Recurring Investment Settings — Making It a Seamless Habit

Having selected his products, Yuto moved straight into the configuration screen. He double-checked that setting up his recurring contributions via Rakuten Card would earn him reward points. （*Please note that point return rates vary depending on the card type and specific conditions; refer to the official pages for details.）

He set the monthly contribution for each investment to 10,000 yen. It was a perfectly manageable amount that he could comfortably maintain without straining his budget.

That evening, Yuto opened a notebook and began a small "Growth Journal." By logging specific items—his monthly investment amounts, the selected funds, and how he felt on that particular day—his actions transformed into a structured record, paving the way for future reflection.

Miona-sensei had told him softly, "Just like plants, your assets won't shoot up overnight. It is the steady habit of consistency that grows deep roots." Yuto gently caressed one of Hikappa’s leaves, whispering a quiet promise to grow side-by-side from here on out.