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家計の「タンス預金」は105兆円超の可能性!リスクと安全な資産運用を解説ン

日本ではまだ多くの家庭が現金を自宅で保管する「タンス預金」をしていますが、その総額は105兆円を超えるとも言われています。しかし、タンス預金にはさまざまなリスクが潜んでいるため、安全な金融資産への移行を検討することが大切です。本記事では、タンス預金の現状とリスク、そしてより安心な資産運用のポイントを紹介します。

タンス預金の実態と推移

日本銀行が発表した2024年第4四半期の資金循環統計によると、家計が保有する現金は105兆2968億円にのぼります。一方で、第一生命経済研究所の試算では、タンス預金の残高は約50兆4000億円と見積もられています。これは、2024年7月の紙幣改刷直前のピーク(約60兆円)よりも減少しています。

この減少は、新しい紙幣に切り替わることで古いお札を大量に保有することへの不安感が高まったことが要因と考えられます。過去の2004年の紙幣改刷時も、タンス預金は約7.5%減少しており、今回の肖像変更による心理的影響が大きいと見られています。

タンス預金のリスクとは?

タンス預金には次のようなリスクがあります。

  • 災害や盗難のリスク 自宅に現金を保管していると、火災や地震、津波などの災害で失う恐れがあります。銀行預金であれば、通帳やカードを紛失しても本人確認で引き出せる可能性がありますが、タンス預金は戻りません。また空き巣や強盗被害の対象になりやすく、保険での盗難補償も限度額が低いのが実情です。
  • 相続トラブルの可能性 タンス預金は相続財産ですが、現金の存在を証明するのが難しいため、相続時にトラブルが起こりやすいです。無断で持ち出されたり、発見が遅れることで修正申告や再協議が必要になることもあります。
  • インフレによる資産価値の目減り インフレが進むと紙幣の実質的な価値は下がります。銀行預金には利息がつくことが多いためインフレ対策になりますが、タンス預金は利息がつかず、資産価値が直接減少してしまいます。

安全な金融資産への移行を検討しよう

タンス預金のリスクを踏まえると、安全な金融商品への資産移行が望ましいです。銀行預金や定期預金はもちろん、分散投資や積立投資も検討すると良いでしょう。資産を守りながら増やすことも可能です。

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