TSLA
Tesla
-- 431.660 RGTI
Rigetti Computing
-- 17.0800 NVDA
NVIDIA
-- 137.010 PLTR
Palantir
-- 79.080 LAES
SEALSQ Corp
-- 9.080 Continuously targeted retirement funds
I often hear stories like 'After receiving retirement funds, I receive a phone call from the bank and am told to invest in asset management, resulting in a big loss.'
When I recently went to the bank for errands, I heard other customers receiving explanations about investment funds during the waiting time.
'I'm not familiar with investments, but I thought it might be a good idea to do something, so I came to ask for advice.'
Oh, this is a common action that I often hear as a 'thing not to do', so I could only wish them well.
When I tried searching for 'bank name investment trust', I found that the lineup was small and the fees were high, giving me the feeling of 'so it goes'.
In order to avoid falling into such unfortunate situations, it is important to learn and gain experience in investing as early as possible.
Investment education in high schools has become mandatory from 2022.
I think it's a good thing, but there seems to be data suggesting that people who have only partially learned about investments are more susceptible to investment fraud.
With the lowering of the legal adult age to 18, it seems that there has been an increase in villains who try to take advantage of the younger generation.
However, it's actually easier for elderly individuals without investment knowledge, who have gained confidence after receiving retirement benefits, to become targets, so they are more vulnerable.
To avoid being taken advantage of, I think it's a good idea to make some decisions about what to do with your retirement benefits during your working years.
Since I am a freelancer and do not receive retirement benefits from a company, I have implemented a small-scale corporate pension and iDeCo, so I have a certain exit strategy.
Specifically, I plan to cancel iDeCo at the age of 65 and only receive the amount that is close to the retirement income deduction. The remaining amount will be received annually, and I plan to cancel the small-scale enterprise mutual aid plan when the retirement income deduction is reinstated 5 years later.
If the order is reversed, the retirement income deduction will not be reinstated for 20 years.
The relationship between retirement benefits and iDeCo is the same, but the timing of receiving retirement benefits is difficult to control. Therefore, if you are enrolled in iDeCo, I recommend checking your employer's system.
There is a high possibility that the retirement income deduction will be worsened, and I don't know what kind of system it will be in several decades.
If the system changes, I will search for the optimal solution according to the new system.
In any case, I would like to advise all wise individual investors not to use their retirement benefits for disappointing investments.
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
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kenau : It's a bad way of saying it, but most of the people who get caught are probably people who aren't struggling with money, and my parents aren't struggling with money, so I was made to buy stocks as bank employees told me, and I didn't know about the existence of stocks until the time I inherited the inheritance, but 0.5 million turned into paper scraps.