FIREするまでの資産推移と道のり ～ これから資産運用を始める人へ向けて（お勧めの投資本は概要欄で紹介）

Summary

The speaker shares their journey towards financial independence, highlighting the pivotal role of index funds and disciplined saving in achieving their goal of 6 million yen. They reflect on their investment strategy, the impact of the COVID-19 market shock, and the importance of aligning personal financial goals with market performance. The speaker emphasizes the value of early retirement and living a stress-free life, encouraging viewers to consider index funds for long-term financial stability.

Takeaways

• 🌟 Started financial management in 2017 with an asset of 14 million yen, including retirement funds, and cash assets of around 7 million yen.
• 📈 Initially focused on individual stocks, but shifted to index funds and NISA (Japanese tax-advantaged savings account) from 2018 onwards.
• 🔄 Experienced significant asset growth after successfully navigating the market during the COVID-19 shock in 2020, largely due to index fund investments.
• 📊 Compared personal investment returns with the S&P 500 index and found that, despite some lucky moves, overall performance did not exceed the market average.
• 🚀 By 2022, assets reached the goal of 60 million yen, but continued to invest and did not stop after reaching the target.
• 🤔 Reflected on the journey and concluded that a simpler, consistent investment strategy in index funds from the beginning could have led to a more secure and potentially higher financial outcome.
• 💡 Emphasized the importance of having a clear financial goal and the role of index funds in achieving financial independence.
• 📝 Recommended that individuals with a yearly investment capacity of around 3 million yen could potentially reach 60-80 million yen in assets over a decade with consistent index fund investments.
• 🌐 Suggested that one should check historical S&P 500 performance and calculate potential outcomes based on personal investment capabilities and strategies.
• 🎥 Continues to share personal financial journey and investment strategies on YouTube, including life after achieving financial independence and managing assets according to the 4% rule.
• 🙏 Expressed gratitude for the audience and encouraged them to like and subscribe for more content on financial independence and investment strategies.

Q & A

What was the speaker's initial financial situation when they started managing their money with Money Forward in January 2017?

The speaker's initial financial situation was approximately 14 million yen, including retirement funds.

How did the speaker's assets fluctuate between 2017 and 2019?

The speaker's assets initially increased in 2017 but then decreased in 2018 and 2019, with the lowest point being around 15 million yen before recovering slightly.

What significant event led to a major increase in the speaker's assets in 2020?

The speaker successfully navigated the market during the COVID-19 shock in 2020, which led to a significant increase in their assets.

What investment strategy did the speaker shift to after 2020?

After 2020, the speaker shifted to primarily investing in index funds, with almost 70% of their assets in index funds by March 2020.

How did the speaker's assets grow from 2020 to 2023?

The speaker's assets grew significantly from 2020 to 2023, mainly due to the appreciation of index funds and their own regular investments, reaching over 60 million yen by the time of retirement.

What was the speaker's reaction to the performance of the index funds compared to their own investment strategies?

The speaker realized that index funds performed better than their own investment strategies, especially considering the risks and fluctuations they experienced with individual stocks and other investments.

What was the speaker's annual investment amount that contributed to their asset growth?

The speaker's annual investment amount was around 3 million yen, which played a significant role in their asset growth.

How did the speaker plan to utilize their assets after reaching their goal of 60 million yen?

The speaker planned to retire and live off the 4% withdrawal rule from their assets, intending to maintain a comfortable lifestyle without the need to work.

What advice does the speaker give to others based on their own financial journey?

The speaker advises others to consider investing in index funds, especially for those with a stable income and low expenses, as it can lead to significant asset growth over time.

What was the speaker's final message to the viewers regarding their financial strategy?

The speaker's final message was to encourage viewers to do their own research on historical market performance and consider investing in index funds for long-term financial stability.

How did the speaker feel about their financial journey and the decisions they made?

The speaker felt that their journey was filled with ups and downs, and they wished they had invested in index funds from the beginning, as it would have led to a more straightforward and potentially higher asset growth.