Tips
Sep 15, 2021 22:54
6 answers
Other
I’m Aya, a female member.
Even if a beginner could earn around 3% on ¥10 million, that would only amount to ¥300,000 a year. And you probably wouldn’t feel comfortable investing the entire amount, so even if you invested half—¥5 million—you’d only make ¥150,000 a year at 3%.
Ideally, you’d want to save at least around ¥30 million, but that isn’t very realistic. So, as something you can start doing right away, I’d recommend investing in index funds through the NISA savings program. If you keep putting money aside every month, it should grow little by little.
Other
I’m Shingo Lee (Shingori), a column writer.
Once you’ve saved 10 million yen, what awaits you is the anxiety of not having 100 million.
With 100 million yen, you can live off the many low-risk, low-return investments out there. But with 10 million yen in such investments, you’d only make pocket change.
Money is “potential.” Unless you turn it into something else, it’s no different from a scrap of paper. It’s like saving up in-game gems but never using them to pull the gacha—you get nothing out of them.
If you’re anxious about not having enough money, you should aim to save 100 million yen. And to do that realistically, you need to spend money first.
You’d be better off attending business seminars and starting a business yourself. That’s a shortcut compared with slowly saving little by little.
🏅 あなたの味方
お役に立てれば幸いです。
Age: Private
👨 Male
Universe staff
I’m Maezawa from the CEO’s Office, and I’ll answer this as well.
> Or should I avoid anything with even a little risk and continue earning money through papa-katsu (compensated dating in Japan) and part-time work?
For now, I think it would be best to avoid risk and keep saving as you are.
After that, you could set goals such as ¥20 million, then ¥50 million, and so on. Once you’ve saved ¥100 million, the world might look completely different.
That may be a good time to start considering investments.
Of course, if you feel that gaining the experience is more important—even if you lose the money you’ve saved so far—and that you should start learning now, then you could begin investing right away.
But as you said, there are many things you can’t do until you’re an adult, so I think it might be best to be a little more patient until then.
🏅 プロおぢ。ほんとはプロパパと名乗りたいけど名乗るほどの実力がない名古屋の汚っさんです。
Age: Private
👨 Male
Universe member
I’m a losing male member.
I tell my ace girl, “Don’t just save your money—learn to use it properly.” I suppose I’m in father mode.
Basically, I encourage her to spend half on beauty and half on experiences. Traveling domestically is still difficult because of COVID, but I tell her to spend money on trips and opportunities to experience the finer things in life, and she does exactly that.
In a nutshell, my message is: “Become such a wonderful woman that a first-class man would want to kneel down and propose to you.”
If one of the almost-ace girls asks, I tell her to spend it on beauty. As for the others, I don’t say anything about whether they should spend or save.
To the person asking the question: You might want to study things like the NISA investment program.
Other
I’m Ayase Nana ♡
Why not aim for 100 million yen, as Seattle suggested, instead of stopping at 10 million?
10 million can disappear pretty quickly.
In the meantime, why not learn something useful, like conversational English or Chinese, or skills such as computers and PowerPoint? Getting certifications could also make it easier to change jobs.
Don’t just think about the immediate future—consider where you want to be 10 or 20 years from now, too.
🏅 大阪の昼寝引きこもりトレーダー
スペ90以下のひとを厚く囲い込み、一生面倒見て実質一夫多妻で大切にしたい独身です。
Age: 50s
👨 Male
Universe member
In Seattle.
With papa-katsu (compensated dating in Japan) and a part-time job, let’s aim for 100 million yen—not just 10 million. If things go well, you might be able to spend the rest of your life having fun on your own without working. FIRE at 22.
You don’t necessarily need a part-time job if you don’t need an alibi.
Once you turn 20, you don’t have to invest if you don’t want to. But if you only want to collect shareholder perks from companies you like, it could be a relatively low-risk option.