- YouTube
Somehow, I was only aware that “theme-type investment trusts should not be bought,” and I was able to understand the reason structurally.
After understanding this structure, it's not like “OK, then I'm going to find an industry or company that hasn't become a hot topic yet but will definitely grow in the future and invest individually.”
It's a story about whether such a thing can be done, and if you hit it with good luck on the first shot, can you hit it the second and third times in the same way.
I think it's fine to dream within the scope of surplus funds, but there's no way amateurs can do connoisseurs that even professionals can't do.
There's no denying that it's just a hobby, but if the goal is to build assets over a long period of time, I think “not doing it” would be good.
There are also people who say things like “in a satellite frame,” but I can only recommend that as a hobby.
For those who outperformed the index with theme-type investment trusts and sold out, I simply think “that was great.”
I think it would be better for many people to allocate resources to the fulfillment of their lives while making more steady, easy, and tedious investments.
On the Moomoo Securities feed, something like this...
Somehow, I was only aware that “theme-type investment trusts should not be bought,” and I was able to understand the reason structurally.
After understanding this structure, it's not like “OK, then I'm going to find an industry or company that hasn't become a hot topic yet but will definitely grow in the future and invest individually.”
It's a story about whether such a thing can be done, and if you hit it with good luck on the first shot, can you hit it the second and third times in the same way.
I think it's fine to dream within the scope of surplus funds, but there's no way amateurs can do connoisseurs that even professionals can't do.
There's no denying that it's just a hobby, but if the goal is to build assets over a long period of time, I think “not doing it” would be good.
There are also people who say things like “in a satellite frame,” but I can only recommend that as a hobby.
For those who outperformed the index with theme-type investment trusts and sold out, I simply think “that was great.”
I think it would be better for many people to allocate resources to the fulfillment of their lives while making more steady, easy, and tedious investments.
On the Moomoo Securities feed, something like this...
Translated
9
5
I quit my job and became self-employed as a freelancer in 2018, in modern terms.
In order to reduce health insurance premiums, we adopted the 'Micro Corporation' scheme in 2023.
As a company executive, by keeping director compensation to a minimum, it is a scheme to minimize health insurance premiums.
I am currently in my second term and I am delighted to be benefiting from it, but I have now discovered a benefit that I was not aware of.
It is that the upper limit of high-cost medical care expenses is kept low.
Recently, there has been news that the upper limit of high-cost medical care expenses is increasing.
Japan has a national health insurance system, and the system is very generous, but within it there is a divine system that says, 'Even if medical expenses become extremely high, we will supplement anything above the limit'.
This is the 'High-Cost Medical Expense Benefit System.'
The upper limit amount is set progressively according to the annual income.
It has been decided that this upper limit amount will be increased.
It must be difficult for those who are undergoing expensive medical treatments.
With the increase in the high-cost medical care system, how will the self-payment change? Details by annual income from August 2025, gradually increasing from 2026-2027 | NHK
...
In order to reduce health insurance premiums, we adopted the 'Micro Corporation' scheme in 2023.
As a company executive, by keeping director compensation to a minimum, it is a scheme to minimize health insurance premiums.
I am currently in my second term and I am delighted to be benefiting from it, but I have now discovered a benefit that I was not aware of.
It is that the upper limit of high-cost medical care expenses is kept low.
Recently, there has been news that the upper limit of high-cost medical care expenses is increasing.
Japan has a national health insurance system, and the system is very generous, but within it there is a divine system that says, 'Even if medical expenses become extremely high, we will supplement anything above the limit'.
This is the 'High-Cost Medical Expense Benefit System.'
The upper limit amount is set progressively according to the annual income.
It has been decided that this upper limit amount will be increased.
It must be difficult for those who are undergoing expensive medical treatments.
With the increase in the high-cost medical care system, how will the self-payment change? Details by annual income from August 2025, gradually increasing from 2026-2027 | NHK
...
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8
Are you all engaging in 'point activities'?
I thoroughly reviewed and organized my finances in 2023, and I also incorporated 'point activities'.
I utilize Hapitas, review credit cards, and more.
Until then, I hadn't really done much besides trying to consolidate payments onto one credit card as much as possible.
It was the "JCB Card W".
I also consolidated direct debit systems and payments such as everyday purchases onto QUICPay linked to the card.
I think I used the accumulated points on Amazon.
In 2023, we have decided to enter the 'V-Point economic zone' through a major overhaul.
As a result, we mainly hold Mitsui Sumitomo Mastercard, Mitsui Sumitomo VISA, Mitsui Sumitomo Olive, JQ Card Epos, and Amazon Prime Mastercard.
Mitsui Sumitomo Group and Epos are Gold (NL) cards.
These four cards offer '10,000 points back when spending 1 million yen,' so we have a strategy to switch to the main card when reaching 1 million yen.
AmazonPrime Master focuses on shopping on Amazon.
Just switching the main card is a bit bothersome...
I thoroughly reviewed and organized my finances in 2023, and I also incorporated 'point activities'.
I utilize Hapitas, review credit cards, and more.
Until then, I hadn't really done much besides trying to consolidate payments onto one credit card as much as possible.
It was the "JCB Card W".
I also consolidated direct debit systems and payments such as everyday purchases onto QUICPay linked to the card.
I think I used the accumulated points on Amazon.
In 2023, we have decided to enter the 'V-Point economic zone' through a major overhaul.
As a result, we mainly hold Mitsui Sumitomo Mastercard, Mitsui Sumitomo VISA, Mitsui Sumitomo Olive, JQ Card Epos, and Amazon Prime Mastercard.
Mitsui Sumitomo Group and Epos are Gold (NL) cards.
These four cards offer '10,000 points back when spending 1 million yen,' so we have a strategy to switch to the main card when reaching 1 million yen.
AmazonPrime Master focuses on shopping on Amazon.
Just switching the main card is a bit bothersome...
Translated
6
With the new NISA, half of it was sold in just one year... Why?
This is the blog of Kenichi Mizunose, known for 'set it and forget it' investing.
Although the title of the article is 'Why,' the answer seems to be that it may have been a panic sell due to the August market crash.
Hmm, I wonder how it actually is.
As there is no statistics on 'Why did you sell the assets held in the NISA account,' the actual situation is unknown.
It is also unknown who sold it.
I also want to know attributes such as investment history and age.
Regardless of the background, the fact remains that a considerable amount of Gold was sold.
Within the 'investment policy' that investors should hold, there is often a focus on the 'buy' side, but the 'sell' side is also very important.
In other words, it is a policy of 'why to sell'.
My selling policy is to 'obtain the necessary amount when cash is needed'.
When it is necessary during a market crash and cannot be covered by deposits, I will sell, and conversely, I will not sell when it is not necessary.
If there is another case to sell, it would be 'rebalancing', but I generally want to avoid non-cell rebalancing.
For some people, the 'standard amount and rate of rise and fall...
This is the blog of Kenichi Mizunose, known for 'set it and forget it' investing.
Although the title of the article is 'Why,' the answer seems to be that it may have been a panic sell due to the August market crash.
Hmm, I wonder how it actually is.
As there is no statistics on 'Why did you sell the assets held in the NISA account,' the actual situation is unknown.
It is also unknown who sold it.
I also want to know attributes such as investment history and age.
Regardless of the background, the fact remains that a considerable amount of Gold was sold.
Within the 'investment policy' that investors should hold, there is often a focus on the 'buy' side, but the 'sell' side is also very important.
In other words, it is a policy of 'why to sell'.
My selling policy is to 'obtain the necessary amount when cash is needed'.
When it is necessary during a market crash and cannot be covered by deposits, I will sell, and conversely, I will not sell when it is not necessary.
If there is another case to sell, it would be 'rebalancing', but I generally want to avoid non-cell rebalancing.
For some people, the 'standard amount and rate of rise and fall...
Translated
9
I have written 66 columns.
I usually write them when I feel like it at the morning Doutor, but a weekly pace is quite something.
Level 43 of some social thing is quite something.
Thank you to everyone who has read my humble writing.
In the future, if there are any interesting things related to money, not just investment, I will write about them.
I am writing with the hope that in about 10 years, when I reread this, I will think, 'Wow, that happened,' but I don't know if MOOMOO Securities will still be around in 10 years.
Even if it disappears, please make sure to archive it before it happens.
Wishing everyone a Happy New Year.
I usually write them when I feel like it at the morning Doutor, but a weekly pace is quite something.
Level 43 of some social thing is quite something.
Thank you to everyone who has read my humble writing.
In the future, if there are any interesting things related to money, not just investment, I will write about them.
I am writing with the hope that in about 10 years, when I reread this, I will think, 'Wow, that happened,' but I don't know if MOOMOO Securities will still be around in 10 years.
Even if it disappears, please make sure to archive it before it happens.
Wishing everyone a Happy New Year.
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2
A so-called tax system outline has been announced.
There are various things written, but personally, the most impactful point was that the 5-year rule for retirement income deduction was deteriorated to a 10-year rule.
There may not be many people who know about this, so let me explain it briefly.
First, the retirement income deduction is a "deduction that can be applied to retirement benefits."
Specifically, it can be applied to "retirement benefits received from the company", "iDeCo lump sum payment", and "small business mutual aid society benefits."
However, it is not possible to apply it to each of these whenever and however many times you want.
If you want to apply the retirement income deduction to the iDeCo lump sum payment after receiving retirement benefits from the company, you need to wait 20 years.
Assuming you receive a retirement allowance at the age of 60, you need to wait until you are 80 years old to apply for the retirement income deduction for the lump-sum payment from iDeCo.
However, since you can only withdraw from iDeCo until the age of 75, you need to adjust the timing of receiving retirement benefits to 55 years old.
If you reverse the order and receive iDeCo first, you would have been better off waiting for 5 years instead of 20 years to start using the retirement income deduction when receiving retirement benefits.
This...
There are various things written, but personally, the most impactful point was that the 5-year rule for retirement income deduction was deteriorated to a 10-year rule.
There may not be many people who know about this, so let me explain it briefly.
First, the retirement income deduction is a "deduction that can be applied to retirement benefits."
Specifically, it can be applied to "retirement benefits received from the company", "iDeCo lump sum payment", and "small business mutual aid society benefits."
However, it is not possible to apply it to each of these whenever and however many times you want.
If you want to apply the retirement income deduction to the iDeCo lump sum payment after receiving retirement benefits from the company, you need to wait 20 years.
Assuming you receive a retirement allowance at the age of 60, you need to wait until you are 80 years old to apply for the retirement income deduction for the lump-sum payment from iDeCo.
However, since you can only withdraw from iDeCo until the age of 75, you need to adjust the timing of receiving retirement benefits to 55 years old.
If you reverse the order and receive iDeCo first, you would have been better off waiting for 5 years instead of 20 years to start using the retirement income deduction when receiving retirement benefits.
This...
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13
PayPay Bank offers 2% interest on yen and dollar deposits (TV Asahi Network (ANN)) - Yahoo! News
I thought, 'A 2% deposit interest rate!?', but immediately thought, 'There must be some trick' and investigated.
In conclusion, I will not use it.
The 2% interest rate on yen deposits applies when the balance of dollar deposits reaches the limit.
The key point is here.
In this scheme, I think it's better to hold US dollar-denominated bonds.
$U.S. 10-Year Treasury Notes Yield (US10Y.BD)$
At this point, I think it's a waste to take a 2% annual interest rate for exchange rate risk.
When considering whether to hold assets in US dollars, I don't think there are many cases where it becomes a definite 'YES'.
I think it's good to wait for a convenient exchange rate timing, like 'switching to yen during a weak yen period'.
$USD/JPY (USDJPY.FX)$
Or if you have plans to use US dollars.
I have multiple US dollar-denominated bonds, but this is not just for asset allocation diversification.
Before the pandemic, I splurged and went to Hawaii with my family, but I want to go again.
When my eldest son graduates from high school in 10 years...
I thought, 'A 2% deposit interest rate!?', but immediately thought, 'There must be some trick' and investigated.
In conclusion, I will not use it.
The 2% interest rate on yen deposits applies when the balance of dollar deposits reaches the limit.
The key point is here.
In this scheme, I think it's better to hold US dollar-denominated bonds.
$U.S. 10-Year Treasury Notes Yield (US10Y.BD)$
At this point, I think it's a waste to take a 2% annual interest rate for exchange rate risk.
When considering whether to hold assets in US dollars, I don't think there are many cases where it becomes a definite 'YES'.
I think it's good to wait for a convenient exchange rate timing, like 'switching to yen during a weak yen period'.
$USD/JPY (USDJPY.FX)$
Or if you have plans to use US dollars.
I have multiple US dollar-denominated bonds, but this is not just for asset allocation diversification.
Before the pandemic, I splurged and went to Hawaii with my family, but I want to go again.
When my eldest son graduates from high school in 10 years...
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3
1
Columns Check the answers for the 2024 year-end forecasts at the end of 2023 (Exchange Rates Edition).
As the year-end approaches, you will begin to see articles on 'What will happen next fiscal year.'
Because of my not-so-great personality, I want to see how last year's forecasts by various companies actually turned out, and be like 'None of them were even close to being right lol.'
So, I will be doing a very popular year-end project (in my opinion).
Now, I have brought the article from the Nikkei newspaper on December 6, 2023.
The market outlook for 2024 is a slightly stronger yen, with resistance around 120 yen. The narrowing of the Japan-US interest rate spread and the potential easing adjustment are also noteworthy - Nikkei Business Daily.
It turns out that Goldman Sachs, which had the most bearish forecast for the yen, was the closest to the actual outcome.
The current USD/JPY exchange rate is here.
$USD/JPY (USDJPY.FX)$
Financial Estimates for 2025 from Nikkei newspaper on December 11, 2024 can be seen here.
The future of the market in 2025 (mid-year) is leaning towards the range of 140-150 yen against the dollar. Domestic and foreign financial institutions are predicting at the end of next year that the interest rate spread will be difficult to narrow due to sluggish rate cuts in the U.S. - Nikkei Asian Review.
I am looking forward to reviewing the answers for next year.
For long-term investors like me, it doesn't particularly matter what happens to the exchange rates.
Even if you try to read things that professionals can't read...
Because of my not-so-great personality, I want to see how last year's forecasts by various companies actually turned out, and be like 'None of them were even close to being right lol.'
So, I will be doing a very popular year-end project (in my opinion).
Now, I have brought the article from the Nikkei newspaper on December 6, 2023.
The market outlook for 2024 is a slightly stronger yen, with resistance around 120 yen. The narrowing of the Japan-US interest rate spread and the potential easing adjustment are also noteworthy - Nikkei Business Daily.
It turns out that Goldman Sachs, which had the most bearish forecast for the yen, was the closest to the actual outcome.
The current USD/JPY exchange rate is here.
$USD/JPY (USDJPY.FX)$
Financial Estimates for 2025 from Nikkei newspaper on December 11, 2024 can be seen here.
The future of the market in 2025 (mid-year) is leaning towards the range of 140-150 yen against the dollar. Domestic and foreign financial institutions are predicting at the end of next year that the interest rate spread will be difficult to narrow due to sluggish rate cuts in the U.S. - Nikkei Asian Review.
I am looking forward to reviewing the answers for next year.
For long-term investors like me, it doesn't particularly matter what happens to the exchange rates.
Even if you try to read things that professionals can't read...
Translated
9
"iDeCo" contributions increased, with the monthly limit raised to 7,000 yen - Government and ruling party: Jiji.com
As soon as I became a corporate manager from a sole proprietor, the contribution limit dropped from 68,000 yen to 23,000 yen. It was a trap.
If the limit is raised, maybe I'll return it to 0.03 million yen.
As soon as I became a corporate manager from a sole proprietor, the contribution limit dropped from 68,000 yen to 23,000 yen. It was a trap.
If the limit is raised, maybe I'll return it to 0.03 million yen.
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2
ぼんやりウォーカー
commented on
Moneyforward ME has started offering a new feature "Point Accumulating Household Account Book".
The UX is really the worst.
The "Points" are always displayed in the lower right corner of the app screen and cannot be turned off.
It's a useless and unnecessary feature.
There are too few actions to accumulate points, and it's too trivial like "1 point when launching the app (up to 5 points per month)". In the first place, there is never a moment when you want to refer to these points during app usage.
Adding crappy features really frustrates me and undermines user convenience.
I checked the settings screen and the FAQ, but there is no option to hide it.
Seriously underestimating the users.
I sent a request as a suggestion, "It's a deterioration. Please make it possible to hide."
I'll tolerate it if it's free, but I'm paying, so I really want this kind of thing to stop.
$Money Forward (3994.JP)$
The UX is really the worst.
The "Points" are always displayed in the lower right corner of the app screen and cannot be turned off.
It's a useless and unnecessary feature.
There are too few actions to accumulate points, and it's too trivial like "1 point when launching the app (up to 5 points per month)". In the first place, there is never a moment when you want to refer to these points during app usage.
Adding crappy features really frustrates me and undermines user convenience.
I checked the settings screen and the FAQ, but there is no option to hide it.
Seriously underestimating the users.
I sent a request as a suggestion, "It's a deterioration. Please make it possible to hide."
I'll tolerate it if it's free, but I'm paying, so I really want this kind of thing to stop.
$Money Forward (3994.JP)$
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1
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