48-year-old part-time housewife who is a beginner in investment "What kind of product should I spend and how much money should I spend?"

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FP's household budget consultation series where professional financial planners answer your concerns about money such as household budgets, insurance, and loans from readers. The consultant this time is a 48-year-old part-time woman who wants to start asset management for old age. She says she opened a brokerage account, but she's wondering what products she should buy and how much she should spend on her investment. Mitsuaki Yokoyama of FP will answer. [Chart] Which should I start, NISA or iDeCo?Compare features

[Consultant's worries]

I would like to start investing in order to raise funds for retirement and to live affluently in the future. I opened a securities account while getting new information by looking at special features of magazines. I'm wondering if the product looks like this, but I'm not sure if that's okay, so I'm reluctant. Should we wait until the stock price goes down a little more? Even so, my savings will decrease due to my child's education expenses, and I hear that it is better to invest for as long as possible, so I think that you should start early. However, I am not confident in the product I want to invest in, and I cannot decide what proportion should be used. Also, I am wondering how to raise investment funds. Isn't it okay to invest all the 40,000 yen that I save every month from my current household? My son is about to go on to college, so I think I have to secure the cost. [Consultant profile] ・ Female, 48 years old, part-time worker ・ About family living together: Husband (50 years old) ・ Office worker, son (17 years old) ・ Private high school second grader ・ Monthly take-home income: Wife (consultant) 120,000 5,000 yen, husband 322,000 yen ・ Annual take-home bonus: husband about 800,000 yen ・ Savings: deposits and savings about 6 million yen ・ Estimated monthly income: 447,000 yen [Breakdown of monthly expenses] ・ Housing expenses (rent) + Management fee): 99,000 yen ・ Food fee (including eating out): 62,000 yen ・ Utility fee (electricity / water): 35,000 yen ・ Communication fee (3 smartphones): 21,000 yen ・ Life insurance Fees: 20,000 yen ・ Daily necessities: 5,000 yen ・ Medical expenses: 4,000 yen ・ Educational expenses (school expenses / private school): 82,000 yen ・ Transportation expenses: 7,000 yen ・ Clothing expenses: 12,000 yen ・ Entertainment expenses: 4,000 yen・ Entertainment expenses: 5,000 yen ・ Kozukai (for couples and sons): 30,000 yen ・ Others: 21,000 yen ・ Savings: 40,000 yen