divre-life

Every Sunday, I provide a weekly asset report to track my financial progress. In this update, I’ll cover the following key topics: Let’s dive into this week’s financial overview. 1. Asset Breakdown & Changes Cash Holdings Stock Investments Mutual Funds Retirement Funds Reward Points 2. Total Asset Overview Total Asset Change: -1.61% This week’s decline was mainly due to: Key takeaway: 3. Market Trends & Economic News Key Market Factors This Week The main market influence this week was yen appreciation. Given the uncertain environment, increasing cash reserves was a risk-conscious decision. The next step is to assess whether the ...

Before I discovered stock investing, I used to think of it as a form of gambling, something for the rich, or something that was out of reach for someone like me—a salaried worker making under $50,000 a year. However, if I had never taken action, I wouldn’t have built the $300,000 in assets I have today, nor would I be running my blog. Investing doesn’t just change your financial situation. It opens doors to valuable knowledge about money, time management, self-investment, and ultimately expands the choices you can make in life. In this article, I’ll explain how stock investing and ...

"Japanese Stocks vs U.S. Stocks: Dividend Strategies, Differences, and My Investment Decisions" In this article, we will explain By reading this article, you'll understand the differences between Japanese and U.S. stocks and gain insights on how to approach your investment strategy. Be sure to read through to the end and use this as a reference for your investment decisions! The Difference in Dividend Stability between Japanese and U.S. Stocks 1. Features of Japanese Stocks Japanese companies tend to increase their dividends significantly when their performance is good, but they also quickly cut dividends or even eliminate them when performance deteriorates. ...

[High Dividend Investing Pitfalls] What I Learned from a Dividend Cut – The “High Yield Trap” Explained What You Will Learn from This Article ✅ What is the "dividend cut risk" of high dividend stocks?✅ Characteristics of stocks that fall to zero dividends and how to identify them✅ Why choosing based on yield alone is dangerous & how to pick safer stocks✅ When to cut losses and the importance of risk management Many investors assume that high dividend stocks = stable income, but the reality is that some of these stocks carry the risk of falling to zero dividends (dividend ...

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 ...

Before Investing, I Was 100% Focused on Saving After graduating from university, I worked in the service industry, earning less than 200,000 yen per month. Despite this, I managed to save nearly 10 million yen (around $70,000) in just six years. The key to my success was living at home and following a strict saving rule. I limited my monthly personal expenses to 30,000 yen ($200), putting everything else into savings. Instead of focusing on making more money, I first mastered the art of saving. Later, I used my savings to start investing and growing my assets. Now, in my ...

1. Introduction | Reviewing This Week’s Asset Performance and Investment Strategy Last week, despite market volatility, my portfolio remained relatively stable.This week, we’ll take another deep dive into total asset movement, dividend earnings, and the impact of market trends to keep our investment strategy sharp. One key focus this time: "How to Use Dividends Effectively."While reinvesting dividends is the standard approach, we’ll explore alternative ways to utilize them for enhancing lifestyle and financial security. Let’s dive into this week’s asset report! (Check out last week's article here!) 2. Total Asset Trends and Analysis (1) This Week’s Total Asset Movement This ...

[In-Depth Guide] Balancing Aggressive Investing and Emergency Funds for Financial Success Introduction When building wealth through investing, a common question arises: How much emergency fund should I keep? As investment portfolios grow, many investors begin to wonder:"Wouldn't it be more efficient to allocate more capital into investments rather than keeping cash?" While taking on more risk can accelerate short-term gains, it also introduces instability and potential long-term pitfalls. Through my own investing journey, I’ve come to recognize the crucial importance of maintaining emergency funds and striking the right balance between investing and financial security. In this article, I’ll dive into: ...

Managing Household Finances in the Era of Rising Mortgage Rates Recently, there has been a lot of news about rising mortgage interest rates. In particular, the Bank of Japan’s decision to increase rates by 0.5% has raised concerns for those with variable-rate mortgages, as it may lead to higher monthly payments. In this article, I’ll explain how to prepare for the reality of rising rates and share how my family is handling the situation. 1. Impact of Rising Interest Rates 1.1. The Bank of Japan’s Interest Rate Hike and Its Impact The Bank of Japan raised its policy interest rate ...

The COVID-19 Crash and the Investor’s Test: Lessons Learned from a Historic Market Downturn In 2020, the COVID-19 pandemic caused unprecedented global economic turmoil, presenting a major challenge for investors worldwide. As the markets plunged and circuit breakers were triggered repeatedly, I faced a pivotal moment as an investor where my ability to remain calm was truly tested. In this article, I’ll share my raw emotions during that time, a comparison to past market crashes, and the invaluable lessons I learned from this experience. If you haven’t already, I recommend checking out last week’s article: Chaos on the Day of ...