[Complete Guide] How an Ordinary Salaryman Can Reach the “Semi-Wealthy” Class! A Real Investment Strategy to Achieve 50 Million Yen in 3 Years

What You’ll Learn from This Article

✅ How to reach 50 million yen (semi-wealthy status) in just 3–4 years
✅ A realistic wealth-building strategy that even an ordinary salaryman can follow
✅ A detailed simulation of investment amounts, returns, and dividend growth
✅ How to manage risks, including market crashes and dividend cuts

“Could I do this too?”
By the time you finish reading, you’ll have a clear picture of how this strategy works!

Introduction: Can an Ordinary Salaryman Really Build 50 Million Yen in Wealth?

When people hear “50 million yen in assets” (semi-wealthy class), they often assume it’s only achievable for high-income professionals or entrepreneurs.
However, I’m just an ordinary salaryman with a family—not a high earner.

Even so, with smart risk management and strategic investing, I believe it’s possible to reach semi-wealthy status within 3 to 4 years.
But simply saving and passively investing won’t get you there. You need to be proactive:

✅ Rebalancing your portfolio
✅ Cutting losses on underperforming stocks
✅ Strategically increasing investments and optimizing asset allocation
✅ Knowing when to take profits

This article covers:

✅ My current financial situation and goals
✅ A detailed simulation of how long it will take to reach 50 million yen
✅ The impact of shifting from a high-risk 9% return strategy to a stable 5% approach
✅ Key risks and how to mitigate them

By the end, you’ll have a step-by-step roadmap that even a regular salaryman can follow to grow wealth!
Let’s dive into the specifics.

My Current Financial Status & Goals

Here’s where I currently stand:

Goal: Increase assets by 15 million yen within 3–4 years!

Now, let’s run the numbers and see if it’s feasible.

Simulation: How Long Until 50 Million Yen?

Assumptions for the Simulation

We compare two scenarios:

1️⃣ Continuing a high-risk 9% yield strategy
2️⃣ Shifting to a stable 5% yield portfolio

📊 Simulation Results

• At a 9% return → 50.2 million yen in 3 years
• At a 5% return → 50.6 million yen in 4 years

Surprisingly, even with a lower yield, the difference is just one year—showing that you can still reach 50 million yen with a lower-risk approach!

What Happens When Shifting to a 5% Portfolio?

Currently, my 9% yield comes from high-risk, high-dividend investments.
However, as assets grow, stability becomes more important.

Here’s how a shift to a 5% portfolio might look:

Portfolio Comparison: 9% vs. 5%

Where Should I Invest My 30,000 Yen Per Month?

This diversified approach reduces risk while still generating solid returns.

What to Do During a Market Crash?

1️⃣ Increase cash reserves

• Keep 10–20% of assets in cash → Ready to buy during a dip
• Don’t panic sell → Hold onto strong dividend stocks

2️⃣ What should I buy during a downturn?

• Index ETFs (VOO, VYM)
• Strong dividend stocks (JNJ, PG, KO)

Market crashes aren’t threats—they’re opportunities to buy at a discount!

What Happens After Reaching 50 Million Yen?

Reaching 50 million yen isn’t the finish line—it’s just the beginning of greater financial freedom!

Conclusion: Tracking This Wealth-Building Journey in Real-Time

I want to prove that even an ordinary salaryman, with a family, and without a high income, can build serious wealth through smart investing.

Some might think: “This sounds too good to be true.”
That’s exactly why I’m documenting everything—the successes, the setbacks, and the real numbers.

This blog will follow the journey:
🔹 Can I actually reach 50 million yen in 3–4 years?
🔹 Can I sustain a 9% yield, or should I shift to a stable 5%?
🔹 How will my investments evolve over time?

If this strategy resonates with you, let’s challenge it together!