Solid and remarkable FX dollar-cost averaging investment
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Empathy rating 99.9%!
What is the FX manga that’s all the buzz now??
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FX, because it can use large leverage, tends to be"impossibly high yields"that many people expect.
Those concepts"make ideal prey"for a breeding ground of investment products that lure such prey.
「Trader with 130% monthly return!」
「Annual 10,000%!!」
「Full-time FX with monthly income of 1,000,000 yen!」
and so on,
everyone gets hooked by the alluring sloganshere.
Well, those who are pulled in by such slogans areunknowledgeable and gullible, you know.
Those gullible folks get carried away by heartless marketing and attempthigh-risk, high-return investmentsand waste precious time in futility.
If things go wrong, they can lose their precious assets entirely.
They end up paying high tuition and, after losing their margin,
"I gained nothing at all..."
isn’t that terribly sad?
Indeed, being ignorant is scary.
On the other hand, if you have proper discernment,
"If you can earn 20% annually in FX, that would be amazing"
even those not very familiar with FX would respond in a sensible way.
Those who truly understand the yield fundamentals of investing have better future prospects.
Because even 20% annually, over the long term, can accumulate substantial wealth.
Rather than chasing unrealistic yields, you can have much higher reproducibilityand still dream plenty.
It’s quite amazing!
However,
"A solid FX investment"
and a method to achieve great results over the long termas an "execution method"must exist, and
one strong contender among those methods is
"FX installment investment"
, so
I’d like to talk about that area.
◆ Standards for investment returns ◆
First,the standards for investment returnsthat you can aim for.
If at this point you’re thinking wildly, you’re fundamentally mistakenand won’t see results.
There are many investment subjects, after all.
Real estate, mutual funds, investment-type life insurance, and offshore investments, etc.—the list goes on.
Let’s focus on real estate investment.
Recently I had a voice consultation request and spoke with a reader who lived abroad, had business experience overseas, and owned overseas real estate.
They said they were earning8% annuallyfrom real estate investment.
8% from real estate is an excellent levelindeed!
In domestic real estate investments,5% annual would be excellentin many cases.
Even with the same property, Tokyo vs. regional areas differs, but on average 5% is good enough.
Moreover, continuing that forever is quite difficultand various challenges exist
Besides, in funds, investment-type insurance, etc., there aren’t financial products that reliably yield 5% annually.
Even offshore investments, said to have high yields, are cautioned against by saying
"avoid those promising above 10% annual yield—suspect."
to be safe.
In that milieu, if you could increase your own annual yield by 20% through FX, you’d become an"amazing investor"in no time.
Well, mutual funds and real estate also incur nontrivial fees, which makes them less efficient.
Moreover, at around 20% annual yield,with proper study it’s not an exceptional feat.
If you stay engaged with my media and study, you’ll gain enough ability to reach that level on average.
Considering the yields of all investment categories,
"20% annual yield"
isquite amazing!
But no matter how much you say it, some people in that world will never be satisfied (^^;)
There are traders who achieve overwhelming yields
somewhere, but that isn’t something everyone can become, and the reproducibility is extremely low.
That overwhelming trader’s yields may only be temporary.
Anyway, that world is rarely scientific, so I’ve long since chosen not to take it seriously.
Rather than chasing those statuses,
aim for a “solid path with an investment-level of greatness”
and target 20% annual yield in FX traders to achieve higher reproducibility and a richer life.
◆ Applying installment investing to FX: how to think ◆
installment investing is simply investing by accumulating funds over time while actively managing them.
Installment investing is a very approachable investment method for ordinary people.
Even if you want to build wealth through investment, for examplehaving to start with 2 million yen in margin is too difficult for many.
Then,
"Invest 10,000 yen every month"
how about that?
Wouldn’t it become realistic soon?
Rather than coming up with 2 million all at once, you accumulate over 20 years.
With 10,000 yen per month, it’s about the cost of paying life insurance premiums, so it’s within reach for many people.
◆ Installment investing is basically long-term ◆
Financial planners often recommend saving-type insurance with a stance like,
"At least 15 years of operation."
.
Not long ago, I joined a foreign insurance agent’s recommendation fordollar-denominated savings life insurance.
Since it’s dollar-denominated,you buy a fixed amount of dollars every month
Premiums are paid for 10 years, and then you’re advised to let it sit for 5 years.
That 15-year operation would probably not even double (^^;).
I also have FX skills anda portfolio with super high-yield investment like business, sodollar-denominated life insurance is part of my portfolio.
In my view, pouring a lot of money into inefficient investments is wasteful, so I keep it small and think of it as a 15-year education fund for my son.
In that sense,many people invest long-term for 10, 15, or 20 years to prepare for the future personal pension.
◆ Long-term FX installment investment performance ◆
As noted above, taking a long-term installment investing stance is very solid and highly reproducible.
It allows ordinary people who can’t come up with large sums quickly to invest.
So what we do is,
"FX installment investing"
.
Here we discuss the idea ofcompound-interest installment investing.
Now, to illustrate with an example using BBPEA for installment investing.
BBPEA requires a minimum operating fund of 150,000 yen, so the initial cost is 150,000 yen.
The monthly installment is 10,000 yen.
For retirement savings overa long 20-year period with compound growth,
assume an average annual yield of 20.4%
which translates to a monthly yield of 1.7%.
At first, even if the investment amount increases, the number of lots won’t rise quickly.
With a minimum 150,000 yen, starting from 0.01 lot means that including the installment, the margin won’t reach 300,000 yen to raise to 0.02 lot.
FX compound calculations must consider such factors, but if you invested for 20 years, how much would the account margin be??
The answer is below.
Installation period… 20 years
Total installments… 2,550,000 yen
Margin balance… 37,332,000 yen
Total profit… 35,414,000 yen
"1,389%"
.
Starting with 150,000 yen and investing 10,000 yen monthly, the account balance after 20 years would be 35,410,000 yenIsn’t that a compelling dream??
It’s a pretty good personal pension, and growing that much by oneself marks you as a skilled investor.
Even though it’s “one’s own power,” it’s mostly done with hands-off EA investing, securing time freedom, haha.
If it were discretionary trading, it would require time investment as well.
With fully automated vs discretionary trading, the gap in time spent would be large, and that’s natural.
Of course, the ideal is to manage it with minimal hands-on effort.Develop the skill to achieve 20–30% annual yield with EA, and blend it with steady installment investing for a dreamlike compounding.
It’s a reproducible investment method that even those without large sums can start＾＾
◆ I created an “EA installment investing simulator”♪ ◆
Insurance company websites often have“Installment investment simulators”, which are helpful but not FX-specific.
They’re good for rough understanding, but FX involves lot sizing, so calculators must reflect that.
As explained earlier, starting with the minimum funds and 0.01 lot, you don’t reach 0.02 lot until your funds double.
But since you’re investing monthly, the account balance grows faster with installments than with lump-sum investing.
That’s why an FX-specific installment investing simulator is needed for proper calculations!
I created an "EA installment investing simulator"
♪
Such a simulator seems hard to find.
“EA investment installment simulator”
and shown quickly＾＾
◆ I will gift the EA investment installment simulator to newsletter subscribers♪ ◆
FX Ryusei new product (lol), the “EA Investment Installment Simulator” is planned to be a low-cost paid item on an ASP, but I’d like to give it free to newsletter subscribers♪
Right now it’s in the app adjustment stage, but as soon as ready, I’ll distribute it.
Even with solid FX investment yielding 20–30% annually, long-term can generate massive sums.
Compared to the Fantasy FX investments already out there, this offers far higher reproducibility.I think you’ll find it much more realistic, haha.
I hope it helps enlarge your image of FX installment investing♪
