今月も、「はじめてのNISA・全世界株式」を33,000円、つみたてNISAで自動買付した以外は、取引がありません。外国株式ETFの分配金をUSMMFで受け取っていて4百万円を超えたので、そろそろVOOを購入したいと思っていますが、面倒くさがり屋なので、なかなか行動に移れません。しかも現在、USMMF（US マネー マーケット ファンド）のUSD 年換利回りは、4.827%ですから勝手に増えてくれています。
| 運用商品 | 割合2023年9月 |
| 1306TOPIX連動型投資信託(特定) | 22% |
| はじめてのNISA | 0% |
| 野村つみたて外国株投信 | 1% |
| SPY(アメリカSPDRのS&P500のETF) | 43% |
| VGK(バンガード社のヨーロッパのETF) | 10% |
| VOO(バンガード社のS&P500のETF） | 7% |
| VWO(バンガード社の新興国のETF) | 4% |
| ASX（オーストラリアのETF) | 2% |
| USMMF | 1% |
| オーストラリアMMF | 0% |
| DB（確定給付年金） | 3% |
| DC（確定拠出年金） | 8% |
| 合計 | 100% |
ノムラ外貨MMFとは？
ノムラ外貨MMFとは、格付の高い、5つの通貨建ての短期証券に投資する、外国投資信託です。少額からの出し入れや、ファンド間の乗り換えが可能な商品です。現在、USMMF、豪ドルMMF、英ポンドMMF、カナダドルMMF、NZドルMMFを取扱っています。
私は、2010年から2016年まで数千万円単位で外貨MMFを保有していましたが、すべて外国株式ETF購入資金にしたので、2017年からは分配金として受け取った分しか持っていません。
日本のMMFと、ユーロMMFは低金利が続いたために、償還され現在はありません。
私のポートフォリオの中で最大の商品はSPY（SPDR社の S&P500 ETF）です。現在でも世界最大のETFですが、IVVとVOOに猛烈に追い込まれています。このままだと、１～２年のうちに、逆転されるかもしれません。その理由は、おそらく手数料の差だと思います。SPYの総経費率は0.0945%、IVVとVOOは0.03％です。
純資産総額トップ100 ETF（赤い字は私の保有銘柄です）
| シンボル | 銘柄名 | 純資産総額 | Avg Daily Share Volume (3mo) | |
| 1 | SPY | SPDR S&P 500 ETF Trust | $402,309,000.00 | 74,657,242 |
| 2 | IVV | iShares Core S&P 500 ETF | $338,677,000.00 | 4,041,334 |
| 3 | VOO | Vanguard S&P 500 ETF | $323,213,000.00 | 3,935,106 |
| 4 | VTI | Vanguard Total Stock Market ETF | $302,976,000.00 | 2,886,169 |
| 5 | QQQ | Invesco QQQ Trust Series I | $195,881,000.00 | 49,602,820 |
| 6 | VEA | Vanguard FTSE Developed Markets ETF | $108,651,000.00 | 9,273,901 |
| 7 | VTV | Vanguard Value ETF | $98,175,900.00 | 2,036,745 |
| 8 | IEFA | iShares Core MSCI EAFE ETF | $94,680,000.00 | 6,977,143 |
| 9 | BND | Vanguard Total Bond Market ETF | $94,580,700.00 | 5,933,320 |
| 10 | AGG | iShares Core U.S. Aggregate Bond ETF | $90,329,000.00 | 7,854,223 |
| 11 | VUG | Vanguard Growth ETF | $88,419,100.00 | 807,217 |
| 12 | VWO | Vanguard FTSE Emerging Markets ETF | $70,335,100.00 | 8,476,106 |
| 13 | IJH | iShares Core S&P Mid-Cap ETF | $70,229,800.00 | 1,566,160 |
| 14 | IEMG | iShares Core MSCI Emerging Markets ETF | $69,015,700.00 | 10,702,968 |
| 15 | IWF | iShares Russell 1000 Growth ETF | $68,670,700.00 | 1,185,468 |
| 16 | VIG | Vanguard Dividend Appreciation ETF | $66,427,000.00 | 1,075,082 |
| 17 | IJR | iShares Core S&P Small-Cap ETF | $66,132,100.00 | 3,428,383 |
| 18 | VXUS | Vanguard Total International Stock ETF | $56,098,900.00 | 2,014,099 |
| 19 | GLD | SPDR Gold Shares | $52,994,900.00 | 5,720,380 |
| 20 | IWM | iShares Russell 2000 ETF | $52,661,500.00 | 25,670,791 |
| 21 | VO | Vanguard Mid-Cap ETF | $51,836,900.00 | 544,098 |
| 22 | BNDX | Vanguard Total International Bond ETF | $50,756,600.00 | 2,184,360 |
| 23 | VGT | Vanguard Information Technology ETF | $49,341,200.00 | 550,342 |
| 24 | VYM | Vanguard High Dividend Yield Index ETF | $48,029,600.00 | 1,274,178 |
| 25 | IWD | iShares Russell 1000 Value ETF | $47,998,700.00 | 1,616,571 |
| 26 | SCHD | Schwab US Dividend Equity ETF | $47,467,200.00 | 2,715,362 |
| 27 | XLK | Technology Select Sector SPDR Fund | $47,242,800.00 | 6,080,484 |
| 28 | EFA | iShares MSCI EAFE ETF | $46,205,000.00 | 13,510,436 |
| 29 | VB | Vanguard Small Cap ETF | $43,235,000.00 | 540,118 |
| 30 | ITOT | iShares Core S&P Total U.S. Stock Market ETF | $43,126,700.00 | 1,065,028 |
| 31 | RSP | Invesco S&P 500® Equal Weight ETF | $40,271,900.00 | 4,748,268 |
| 32 | XLE | Energy Select Sector SPDR Fund | $39,680,900.00 | 18,837,229 |
| 33 | VCIT | Vanguard Intermediate-Term Corporate Bond ETF | $38,150,500.00 | 4,972,500 |
| 34 | XLV | Health Care Select Sector SPDR Fund | $37,980,200.00 | 9,037,620 |
| 35 | TLT | iShares 20+ Year Treasury Bond ETF | $37,881,500.00 | 29,021,096 |
| 36 | VCSH | Vanguard Short-Term Corporate Bond ETF | $36,134,200.00 | 3,832,428 |
| 37 | MUB | iShares National Muni Bond ETF | $34,219,800.00 | 3,078,999 |
| 38 | IVW | iShares S&P 500 Growth ETF | $33,659,100.00 | 1,902,042 |
| 39 | VEU | Vanguard FTSE All-World ex-US Index Fund | $33,607,000.00 | 2,274,235 |
| 40 | BSV | Vanguard Short-Term Bond ETF | $32,920,900.00 | 2,965,232 |
| 41 | SCHX | Schwab U.S. Large-Cap ETF | $32,275,900.00 | 1,595,940 |
| 42 | BIL | SPDR Bloomberg 1-3 Month T-Bill ETF | $31,021,900.00 | 6,642,456 |
| 43 | QUAL | iShares MSCI USA Quality Factor ETF | $30,558,000.00 | 1,369,578 |
| 44 | IXUS | iShares Core MSCI Total International Stock ETF | $30,540,300.00 | 1,388,303 |
| 45 | SCHF | Schwab International Equity ETF | $30,456,000.00 | 2,712,645 |
| 46 | XLF | Financial Select Sector SPDR Fund | $30,145,300.00 | 38,956,871 |
| 47 | VNQ | Vanguard Real Estate ETF | $29,390,800.00 | 4,499,015 |
| 48 | JEPI | JPMorgan Equity Premium Income ETF | $29,105,300.00 | 4,137,671 |
| 49 | IWB | iShares Russell 1000 ETF | $28,949,600.00 | 767,588 |
| 50 | USMV | iShares MSCI USA Min Vol Factor ETF | $28,163,500.00 | 2,350,492 |
| 51 | VT | Vanguard Total World Stock ETF | $28,143,400.00 | 1,284,635 |
| 52 | LQD | iShares iBoxx $ Investment Grade Corporate Bond ETF | $28,010,900.00 | 20,689,736 |
| 53 | DIA | SPDR Dow Jones Industrial Average ETF Trust | $27,918,200.00 | 3,151,960 |
| 54 | IEF | iShares 7-10 Year Treasury Bond ETF | $27,346,500.00 | 7,200,112 |
| 55 | VV | Vanguard Large Cap ETF | $27,235,500.00 | 202,346 |
| 56 | IWR | iShares Russell Midcap ETF | $27,202,500.00 | 904,669 |
| 57 | VTEB | Vanguard Tax-Exempt Bond ETF | $26,879,400.00 | 4,125,169 |
| 58 | SHY | iShares 1-3 Year Treasury Bond ETF | $26,199,100.00 | 4,515,189 |
| 59 | MBB | iShares MBS ETF | $25,835,800.00 | 1,944,877 |
| 60 | IAU | iShares Gold Trust | $25,046,600.00 | 4,878,396 |
| 61 | IVE | iShares S&P 500 Value ETF | $23,933,800.00 | 495,143 |
| 62 | VBR | Vanguard Small Cap Value ETF | $23,817,500.00 | 374,335 |
| 63 | GOVT | iShares U.S. Treasury Bond ETF | $23,353,600.00 | 10,414,280 |
| 64 | DGRO | iShares Core Dividend Growth ETF | $22,832,900.00 | 1,365,614 |
| 65 | JPST | JPMorgan Ultra-Short Income ETF | $22,760,100.00 | 3,513,917 |
| 66 | IGSB | iShares 1-5 Year Investment Grade Corporate Bond ETF | $22,367,200.00 | 3,771,968 |
| 67 | VGSH | Vanguard Short-Term Treasury ETF | $22,251,900.00 | 2,446,366 |
| 68 | SCHB | Schwab U.S. Broad Market ETF | $22,189,600.00 | 670,829 |
| 69 | IUSB | iShares Core Total USD Bond Market ETF | $21,600,900.00 | 2,328,432 |
| 70 | DFAC | Dimensional U.S. Core Equity 2 ETF | $20,853,900.00 | 1,454,812 |
| 71 | TIP | iShares TIPS Bond ETF | $20,521,200.00 | 2,854,314 |
| 72 | SHV | iShares Short Treasury Bond ETF | $20,320,300.00 | 2,523,562 |
| 73 | SDY | SPDR S&P Dividend ETF | $20,097,900.00 | 405,562 |
| 74 | SPLG | SPDR Portfolio S&P 500 ETF | $19,319,400.00 | 3,224,958 |
| 75 | EEM | iShares MSCI Emerging Markets ETF | $18,891,200.00 | 28,146,730 |
| 76 | SCHG | Schwab U.S. Large-Cap Growth ETF | $18,665,200.00 | 1,000,443 |
| 77 | SPYG | SPDR Portfolio S&P 500 Growth ETF | $18,455,500.00 | 1,449,151 |
| 78 | MDY | SPDR S&P Midcap 400 ETF Trust | $18,382,300.00 | 788,969 |
| 79 | USFR | WisdomTree Floating Rate Treasury Fund | $18,246,400.00 | 3,842,838 |
| 80 | DVY | iShares Select Dividend ETF | $17,948,100.00 | 610,228 |
| 81 | VGK | Vanguard FTSE Europe ETF | $17,666,000.00 | 2,788,846 |
| 82 | VGIT | Vanguard Intermediate-Term Treasury ETF | $17,499,000.00 | 2,857,132 |
| 83 | XLY | Consumer Discretionary Select Sector SPDR Fund | $17,276,700.00 | 4,643,232 |
| 84 | ACWI | iShares MSCI ACWI ETF | $17,088,200.00 | 2,627,683 |
| 85 | EFV | iShares MSCI EAFE Value ETF | $16,899,800.00 | 2,539,688 |
| 86 | VHT | Vanguard Health Care ETF | $16,368,400.00 | 209,714 |
| 87 | XLP | Consumer Staples Select Sector SPDR Fund | $16,164,600.00 | 11,066,777 |
| 88 | SPDW | SPDR Portfolio Developed World ex-US ETF | $15,953,500.00 | 2,653,534 |
| 89 | VMBS | Vanguard Mortgage-Backed Securities ETF | $15,899,200.00 | 1,494,526 |
| 90 | SPYV | SPDR Portfolio S&P 500 Value ETF | $15,846,200.00 | 1,582,122 |
| 91 | SGOV | iShares 0-3 Month Treasury Bond ETF | $15,576,100.00 | 2,578,259 |
| 92 | TQQQ | ProShares UltraPro QQQ | $15,488,200.00 | 92,844,469 |
| 93 | BIV | Vanguard Intermediate-Term Bond ETF | $15,197,500.00 | 1,021,174 |
| 94 | COWZ | Pacer US Cash Cows 100 ETF | $15,012,400.00 | 1,614,029 |
| 95 | VOE | Vanguard Mid-Cap Value ETF | $14,980,300.00 | 343,306 |
| 96 | VXF | Vanguard Extended Market ETF | $14,944,300.00 | 262,117 |
| 97 | XLI | Industrial Select Sector SPDR Fund | $14,478,400.00 | 8,895,139 |
| 98 | QQQM | Invesco NASDAQ 100 ETF | $14,031,300.00 | 1,055,563 |
| 99 | VTIP | Vanguard Short-Term Inflation-Protected Securities ETF | $13,791,000.00 | 1,900,991 |
| 100 | EMB | iShares J.P. Morgan USD Emerging Markets Bond ETF | $13,699,900.00 | 5,308,792 |