A mindset of investment that enriches your life, bestowed upon you who have worked hard to earn a high income
Abruptly, what is your annual income?
The average income across all generations is about 4 million yenIt is said. The younger you are, the lower it is, and the older you get, the higher it tends to be.
Because the average is raised by a small number of people with exceptionally high earnings, the median lies even lower. In other words,if your income exceeds the average, you are above the median.
Even at an annual income of 10 million yen, only about 4% of the population falls into this range. This is generally the class that is called the “winners.” If one person alone cannot reach it, many households with a spouse can still have a household income of over 10 million yen.However, even though many people earning over 10 million yen are supposed to be in the “winning” group,you can find many who live with little mental or financial leeway. Why is that?First, workers earning around 10 million yen arethe group most heavily taxed.$10,000,000 annual income cannot make you rich!? 2016.02.27Even if your income increases from 5 million to 10 million yen, after taxes your take-home pay increases by only about 3.5 million yen. If you think you’ve gained 5 million, you’ll be disappointed.Nevertheless, many of the “winners” overspend. Specificallyon urban center tower apartments, luxury cars, and children’s upbringing costs.No matter how high your income, if your expenses are high, you won’t save money.If you don’t save money, your future anxiety won’t disappear, and you’ll have to continue to work hard, sacrificing private time.Conversely, if your income is around 10 million yen, unless your income grows dramatically, your take-home pay won’t change much. In that case, what high-income people should do to stay financially comfortable iseliminate future monetary worries, perhaps by building financial security.If financial worries are resolved, you won’t need to hustle for overtime pay.You can focus on building the kind of work style you want to pursue. As your financial assets grow, semi-retirement or independence may come into view.There is a formula that determines assets, as follows.In this formula, current assets cannot be controlled. If your income is already in the higher range, it is unlikely to increase rapidly. Returns depend on effort, but nothing is guaranteed.Then, what we can do to increase assets is“reduce spending to secure investable assets” and “increase time by starting now”. The earlier you start, the greater your future asset expectation value.Therefore, what I propose isto allocate 20% of your income to investing. For 10 million yen, that would be 2 million yen. First, maximize iDeCo (individual-type defined contribution pension) for its tax-saving benefits as a high-earning person, and then invest the remaining money in value stocks.Value investing is a method of buying superior companies at cheaper times in history and waiting for them to continue to grow. It requires only a few moves per year and you don’t need to be glued to a computer.It is a suitable investment method for people who earn a high income but have little time.Value stock investing and our servicesI believe that high-income employees, doctors, and professionals who have worked hard to reach their current incomeare among those who have earned their current income. However, if you work yourself to exhaustion forever, you may not have time for yourself or your family until retirement.If future monetary worries disappear, you will feel mentally much lighter. With mental leeway, life becomes richer.To enrich your life with the high income you’ve earned through hard work, why not start considering asset management now.
However, even though many people earning over 10 million yen are supposed to be in the “winning” group,you can find many who live with little mental or financial leeway. Why is that?
First, workers earning around 10 million yen arethe group most heavily taxed.
Even if your income increases from 5 million to 10 million yen, after taxes your take-home pay increases by only about 3.5 million yen. If you think you’ve gained 5 million, you’ll be disappointed.
Nevertheless, many of the “winners” overspend. Specificallyon urban center tower apartments, luxury cars, and children’s upbringing costs.
No matter how high your income, if your expenses are high, you won’t save money.If you don’t save money, your future anxiety won’t disappear, and you’ll have to continue to work hard, sacrificing private time.
Conversely, if your income is around 10 million yen, unless your income grows dramatically, your take-home pay won’t change much. In that case, what high-income people should do to stay financially comfortable iseliminate future monetary worries, perhaps by building financial security.
If financial worries are resolved, you won’t need to hustle for overtime pay.You can focus on building the kind of work style you want to pursue. As your financial assets grow, semi-retirement or independence may come into view.
In this formula, current assets cannot be controlled. If your income is already in the higher range, it is unlikely to increase rapidly. Returns depend on effort, but nothing is guaranteed.
Then, what we can do to increase assets is“reduce spending to secure investable assets” and “increase time by starting now”. The earlier you start, the greater your future asset expectation value.
Therefore, what I propose isto allocate 20% of your income to investing. For 10 million yen, that would be 2 million yen. First, maximize iDeCo (individual-type defined contribution pension) for its tax-saving benefits as a high-earning person, and then invest the remaining money in value stocks.
Value investing is a method of buying superior companies at cheaper times in history and waiting for them to continue to grow. It requires only a few moves per year and you don’t need to be glued to a computer.It is a suitable investment method for people who earn a high income but have little time.
Value stock investing and our services
I believe that high-income employees, doctors, and professionals who have worked hard to reach their current incomeare among those who have earned their current income. However, if you work yourself to exhaustion forever, you may not have time for yourself or your family until retirement.
If future monetary worries disappear, you will feel mentally much lighter. With mental leeway, life becomes richer.To enrich your life with the high income you’ve earned through hard work, why not start considering asset management now.
