A tip for making calm investment decisions is to invest with discretionary funds. Do you properly understand your own “discretionary funds”?

Your own “surplus funds” and investment period aligned investments are very important.

To determine your precise “surplus funds” and “investment period” as accurately as possible, it is effective for you to create your own life plan (future financial design) yourself.

On that basis, annually one time or more, by continually checking and revising your life plan, you can always invest in an appropriate manner for your situation.

This ‘Life Plan Creation Tool’ is different from life plans made by others or from the life plan creation sections on websites, in that you can create a life plan that you can continue to revise yourself.

‘Life Plan Creation Tool’s creator is the below-mentioned“HanaFPOffice”— a financial planning office with extensive consulting experience that does not sell insurance or other products.

You can take a holistic view of future household finances and what you should do in areas like housing and insurance, not limited to investments, so please make use of it!

●Are you investing with your own “surplus funds” that match your “investment period”?

To win in investing, investing with surplus funds is extremely important.

If you invest money needed for living, losing in the market could lead to financial ruin, making calm investment decisions difficult.

Also, depending on how long of an investment period you can take, investment decisions may change.

Funds you plan to use within a few years are dangerous if you take too much risk.

●Is your self-estimated amount of “surplus funds” and “investment period” correct?

Details of household finances and family circumstances vary widely, so there is little generalization about money.

Ultimately, you need to consider what applies to you.

Also, even among those who have thought it through, many people base their plans on partial points such as “life insurance premiums finish in a few years” or “education costs will increase in a few years.”

However, in reality, it is essential to consider “surplus funds” and “investment period” by also accounting for inflation, repair costs, pensions in old age, and living expenses—factors that are easy to overlook and hard to imagine—otherwise in the future you may find your understanding differs and it will be too late.

●How to accurately determine the amount of “surplus funds” and the “investment period”

To determine “surplus funds” and the usable investment period, a powerful tool is Life Planning (future financial design).

Project future income and expenses on a yearly basis, and based on how the saving balance changes, determine how much you can invest and for how many years.

However, life plans can change a lot with slight changes in numbers.

Life plans are often influenced by the creator’s intent or the company’s policy, or other outside factors, but is it okay to judge your own important money based on others’ intentions?

Again, we strongly recommend that you create your own life plan rather than leaving it to others.

If you use this ‘Life Plan Creation Tool’, you can create a life plan tailored to your needs, from rough estimations of surplus funds and investment period to more precise calculations, by entering as accurate numbers as you wish.

●Regularly checking and revising the life plan is also very important!

When creating a life plan, many aspects of the future are based on speculation and are not guaranteed to be accurate.

Like the investment environment, your surrounding circumstances can also change, so at least once a year one time or so, regularly review your life plan to respond to changes.

With this tool, ‘Life Plan Creation Tool’, you only need to modify the changes in the created life plan, making it easy to update according to changing circumstances.

There are also Web sites where you can create your life plan by yourself, but to revise the life plan you would need to re-enter information from scratch.

Many people feel that “money matters are important, but there isn’t time to think about them.”

One of the appeals of the Life Plan Creation Tool is that you can quickly review the plan to respond to changes and adjust your future actions.

●About the makers of the “Life Plan Creation Tool”

The maker is Matsumoto Yoshiko, president of HanaFP Office, a financial planner with 15 years of experience, who holds CFP® (international qualification) and 1st class FP技能士 (national qualification).

Annual number of new consultations100 cases or more With abundant consulting experience, we clearly explain points where people tend to hesitate when creating a life plan, and by simple Excel operations you can create your own life plan. This was designed so that you can create your life plan yourself.

Uniquely in the industry, Hana is an independent financial planner who does not sell insurance or other products, so the specifications are intended for purely creating a life plan, not for product purchases.

If you wish, telephone consultations are available to discuss questions about life plan creation, check for inconsistencies in the life plan, diagnose the life plan, and what you should do now.

Let’s take action now to avoid money troubles in the future!