The issue of "yami eigyou" is not someone else’s problem for investors.

Hello, this is Koyama.



Recently, the “dark side” of comedians has become a big problem, hasn’t it?

When working with anti-social forces without permission from their agency,

and receiving money for it, many comedians are being disciplined.

Ariyama Shikudai-sai’s Miyazaki Yusuke, who served as MC

on “Ame Talk!” is under self-restraint, you know.

It’s an extremely popular program, after all.

The impact on the industry must be tremendous.Also, comedy duo, Slim Club’s Maaeda and Uema

have alsoUema previously been issued indefinite suspensions for compliance violations.


talked on Kansai TV’s variety show “Meikyaku Emichanneru”

that a loan of 230,000 yen per month would continue until age 71.It was said.

“Remaining with a loan while serving a suspension, is that okay?”

There are voices like that rising as well.

Since it is an indefinite suspension, there is no income to rely on...

If the loan story is true, it would be quite tough.

By the way, this is just a comedian’s story,

for ordinary office workers, things may be different,

but with the life-long employment system now crumbling, even office workers may be at risk tomorrow.

With a slight slip in concentration, you could be pushed into a situation you never imagined,

into a pinch.

Therefore, especially for those with loans,

“If you have to quit your company while still owing a loan, what would you do?”

You should consider such possibilities and prepare accordingly.

Humans can hardly imagine things that have not happened in the past, but it is important to imagine all possibilities and

to have a mindset of preparation.

Of course, if you have a large amount of savings, the story is different, but...

SMBC Consumer Finance Co., Ltd. conducted

the “Awareness Survey on Money Sense in 30s and 40s” in 2019,

and the people in their 30s and 40s who are at the peak of working life seem not to be saving much.

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The responses were that “0 yen (no savings)” was 23.1%,

and the range of “1 to 50 thousand yen” also gathered responses (24.6%),

and the total up to 1 million yen or less was 60.5%.

(Source:http://www.smbc-cf.com/bincan-station/antenna/11.html)

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that’s what they say.

Japanese people are said to love saving, but for people in their 30s and 40s,

there is a reality that many have no savings, overwhelmingly so.

There may be many who have loans and cannot save at all, but...

For those who have loans and no savings in particular, you should start preparing gradually from now

to prepare for the worst.

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Things to be careful about in selecting stocks.

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So what should we do to prepare?



Again, investment is the best option.

Once you acquire the skill, you can apply it to various markets, and it’s a way to earn for life,

there is no more convenient way to earn.

However, if you are going to invest, you must be careful about one thing.

As mentioned at the beginning, in recent years especially,

compliance-related incidents have been viewed as a major issue, and the era where non-compliance is tolerated has ended,

if you ignore compliance, heavy penalties will be imposed.

It’s not like the old days.

Many people may look at this as someone else’s problem, but if you invest, you cannot ignore these societal trends.

If you invest, you should pay attention to how society is moving.

From now on, when selecting stocks, don’t just consider the company’s future profits,

but also whether the company strictly complies with regulations, and pay attention to that as well.

If you pick a problematic company, you could sink with it.



However, identifying problematic companies is not easy.

Of course, companies will not plainly state

“We do not comply with regulations.”

That information is hidden behind the scenes,

So, from a compliance perspective, getting information about high-risk companies is not easy,

so it is quite difficult to focus on compliance when choosing stocks.

That’s why, you should consider that this company might crash for reasons other than its core business,

and prepare in advance so you can handle any market conditions.

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“Margin trading = danger” is a big misconception

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When you think about how to prepare in advance to be okay in any market, what methods do you imagine?

Probably many people would think only of stop-loss, but as I always say, balanced long and short positions in margin trading and



steadily increasing your funds is the strongest way, in my opinion.

When people hear this, they may say, “But margin trading is dangerous, isn’t it?”

Many seem to fear the margin trading “3x leverage.”

Yet, those same people are often tolerant of taking out loans to buy a house,

even if they don’t actually own a house, or taking out a loan in general.

Think about it carefully: buying a house with a loan is

a much riskier transaction than margin trading.

Generally, a down payment for a house is around 20% on average, and for example,

if you prepare 10 million yen as a down payment and buy a 50 million yen condo,

that’s the same as doing a leverage 5x trade.

Recently, cases where almost zero down payment still allows loan approval exist,

and the leverage in those cases becomes hundreds of times.

“But a house remains, so there’s that argument,

the value of a house will rise in the future for only a handful of properties,

and generally, the moment you buy a property its value falls.

Especially with the Olympics approaching, some see real estate prices as at their peak,

and relying on the house’s value staying high is risky.

Thus, buying a house with a mortgage is,

high leverage, and since the future house value is likely to decline,

it’s riskier than investing via margin trading.

With that in mind, don’t margin trading risks look small?

Of course, margin trading is not risk-free, but depending on how you do it,

you can reduce the risk of loss almost to zero.

If you balance buying and selling in margin trading and prepare to handle both rising and falling markets,

you can steadily grow your funds.

I hope today’s content helps you understand investing properly.

Thank you for watching until the end today as well.

Keizo Shimoyama