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Hello! This is Tanaka from GogoJungle.
Our hugely popular content: a conversation series between our CEO Hayakawa and developers!
This time,Employee Ahas joined us.
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| An ordinary company employee striving every day to gain freedom! |
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Employee A
Has experience as a strategist for FX/foreign exchange at an investment advisory/agency. Together with a dedicated programmer, he develops practical EAs and tools that turn “I wish there were a feature like this” into reality for company employees and side-job traders.
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What are the “four categories” for busy employees to succeed in investing?
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Hello everyone. I’m Hayakawa from GogoJungle Inc.
Today, we have invited“Employee A”who has achieved great success in investing while working as a busy company employee.
I’d like to take a deep dive into how he has walked the path to success and learn his secrets. |
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| Hayakawa |
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| Employee A |
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Thank you. Lately in Japan, the trend of “let’s invest” has been getting much stronger, hasn’t it?
It’s good that media and influencers are sharing more information, but at the same time,“In the end, what should I buy?”I think many people are stuck on that question. |
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Exactly right.
On YouTube and social media, there’s a flood of information—from the new NISA’s all-country funds to crypto assets and Indian stocks. |
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| Hayakawa |
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| Employee A |
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Actually,as long as you’re thinking “what should I buy,” you won’t be able to keep winning in the true sense.
What’s important isn’t the product name, but understanding “how that investment is structured to generate profit.”
Investments in the world can, in fact, bedivided into just four categories. |
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What matters more than “what to buy” in an age of information overload
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| Earlier, you made the striking point that“you can’t win while thinking about what to buy.”Could you elaborate a bit more? |
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| Hayakawa |
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| Employee A |
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Sure. These days, many people jump in just because someone famous recommended something, only to fail and say “this isn’t what I expected.”
But if you unravel the“structure” of investing,what you should do naturally becomes clear. |
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| By understanding that structure, an investor’s position becomes clear, right? |
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| Hayakawa |
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| Employee A |
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Exactly. Once your position is clear, you won’t be swept away by waves of information.
From here, I’ll talk specifically about theadvantages and disadvantages of the “four categories”. |
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[Trust-based] The limits of mutual funds that grow by leaving it to professionals
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| Employee A |
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The first category is“trust-based,”where you entrust funds to professionals and wait for the market to grow. S&P 500 index funds and all-country funds are typical examples.
It has the lowest barrier for individuals and offers a degree of reliability. |
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| It’s a very popular approach, recommended by many experts and financial institutions. |
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| Hayakawa |
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| Employee A |
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Yes. However, for employees or sole proprietors who want to “grow from a small amount of capital,” this alone isn’t enough.
For example, even if you manage 100,000 yen at an annual 7% return,it only grows by 7,000 yen in a year. Can that alone ease your worries about the future? |
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| Indeed, bearing risk without principal guarantees only to gain 100,000 yen in ten years may not feel like truly earning through investing. |
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| Hayakawa |
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| Employee A |
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It’s not a bad method, but you need a calm judgment of “Is this enough by itself?”
Precisely because it’s hard to fail, everyone recommends it, butthe pace of asset building is very gradual,andit’s not without risk—that’s the reality you should know. |
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[First-mover advantage/Capitalist] The barrier of a world ruled by information and capital
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| Could you tell us about the remaining categories? |
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| Hayakawa |
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| Employee A |
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The second is earning through“information (first-mover advantage),”like with early Bitcoin.
If you catch it when no one is paying attention, you can become a millionaire, but such fresh information rarely reaches ordinary employees. |
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Even for me in the investment industry, such information hardly reaches my ears.
By the time that kind of information appears in the media, the price has usually already surged. |
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| Hayakawa |
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| Employee A |
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And the third is winning through overwhelming“capital strength.”
Real estate investment has become more accessible recently, but in a Japan with increasing vacant homes, aiming for a few percent yield is a very tough world. |
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| Many people enter with low-interest loans, but there are risks, right? |
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| Hayakawa |
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| Employee A |
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Even a mere 1% rise in variable interest rates can push profits into the red in many cases.
Moreover,once you step in, the exit strategy (selling) is difficult, and for us at the employee level, challenging the world of capital-strength battles is actually the most difficult option,in my view. |
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[Skill-based] The path employees should choose: skills to earn on their own
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We’ve seen that the first through third categories each have high barriers.
So,what is the “fourth category” we should truly aim for? |
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| Hayakawa |
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| Employee A |
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That is“enhancing your own skills and abilities to earn.”
Ultimately, for employees and ordinary people to truly win in investing, I believe they must face and build skills to earn on their own. |
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| Not entrusting it to others, not relying on uncertain information, but going after profits with your own expertise. |
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| Hayakawa |
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| Employee A |
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| Exactly. Acquire the ability to earn on your own in areas like FX, individual stocks, and futures. The reason I, as an employee, was able to succeed is precisely because I focused on this “skill.” |
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| Among the four categories, this is the essential path for individual investors to survive. |
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| Hayakawa |
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Next time: Concrete strategies for individuals to earn with skills
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| We’ve discussed the four categories so far, and I’m most intrigued by the fourth: “earning with skills.” |
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| Hayakawa |
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| Employee A |
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| Thank you. Many people who can’t make money through investing tend to rely on others. However, once you have the skill to earn on your own, you can adapt no matter how the market moves. |
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| Next time, I’d like to dive deeper into “what exactly should one do to earn with skills.” |
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| Hayakawa |
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| Employee A |
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| Yes. I’ll detail how I’ve practiced this in FX and stocks. Next time I hope to discuss those core aspects in depth. |
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| Thank you so much for sharing these valuable insights today. I’m looking forward to our next conversation. |
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| Hayakawa |
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