divre-life

Lessons Learned from Losing $30,000 in Short-Term Trading Introduction In my previous article, "The Making of an Extreme Investor: From Saving Obsession to Financial Freedom", I shared my journey from a cautious saver to an ambitious investor. In this sequel, I delve into my experience with short-term trading—starting with beginner's luck, experiencing significant losses, and ultimately uncovering lessons that shaped my long-term investment strategy. 1. Beginner’s Luck with Short-Term Trading: My Experience with Tera Stock I first ventured into short-term trading after studying technical analysis. Convinced that “reading charts” was the key to success, I used MACD and moving averages ...

Hello! Today, I’d like to share insights from my experience as an “extreme investor” with a portfolio achieving a 9.66% annual return. This article explores the concept of using dividend income to cover education costs, drawing from real education expense data and incorporating my unique investment approach. Let’s dive into how dividends can become a powerful force to secure your family’s future.

Wage increases, or "base-up" adjustments, have become a hot topic. In 2024, the wage hike rate reached a remarkable 5.17%, the highest level since 1991. While this may appear to signal better living standards, the reality is that rising costs and tax burdens often overshadow these benefits.This article explores the potential of dividends as a complementary approach to achieving financial stability, beyond relying solely on wage increases.

The Current Inflation Landscape Inflation is taking a significant toll on our daily lives. Rising prices for groceries, utilities, and fuel are directly impacting household budgets. For instance, grocery shopping that once cost around 8,000 yen now typically exceeds 10,000 yen, underscoring the tangible effects of inflation.

Weekly Investment Review Series Welcome to the launch of my new series, "Weekly Investment Review," where I’ll be sharing the progress of my portfolio, insights into stock selections, the practical uses of dividend income, and strategies for long-term investing. Since embarking on this investment journey, I’ve faced ongoing challenges like how best to allocate assets and make the most of dividends. This week, I’ll reflect on these daily efforts and present the following topics:

“Six Years Into Investing: A Journey of Persistence, Growth, and Challenges” Six years have passed since I started my investing journey. Over this time, I’ve dedicated myself relentlessly to dividend reinvestment—so much so that I could be described as an “extreme investor.” Today, I’ve nearly achieved the initial goal I set for myself. However, this journey hasn’t been without its struggles. It has been a path marked by trial, error, and personal growth. In this article, I’ll reflect on the progress I’ve made, while also looking ahead to the challenges and opportunities of the next 10 to 20 years.

Why I Started Investing: The Moment My Sense of Crisis Changed Me 1. The Belief That Savings Was the Only Answer Growing up, I believed in the financial philosophy of my parents’ generation: “Money grows by keeping it in the bank.” My father, in particular, firmly held the view that “investing is gambling.” As a result, I internalized this belief as an unquestionable truth. To me, saving money symbolized security, and watching the numbers in my bank account grow was proof of responsible money management. As a young professional earning around 200,000 yen per month, I diligently increased my savings ...

When I compare myself at the beginning of my investment journey to where I am now, the differences are not only in my investment style but also in my mindset. Initially, I focused on short-term trading of Japanese stocks. However, as my asset formation progressed, I shifted my investment targets and strategies. This shift freed me from anxiety and impatience, allowing me to grow into an investor who can take risks calmly and even enjoyably.

When you continue investing, you naturally develop a perspective that goes beyond simply "increasing money" to "how to make the most of that money." Before I began managing my assets, I saw dividends as merely a "source of income." However, I have since reconsidered how to use them, leveraging dividends for self-investment and acquiring new knowledge. In this article, I will share how I am using dividends to expand the possibilities for my future. 。 Using Dividends: Returns from Self-Investment Reinvesting dividends is a strategy many investors follow, but I’ve adopted a new perspective by incorporating self-investment into the equation. ...

Introduction: The Challenge of the Extreme Investor An "extreme investor" refers to someone who meticulously manages their living expenses, reinvesting as much of their dividend income as possible to accelerate wealth accumulation. Personally, I have been earning an annual dividend income of 1.9 million yen, which I have consistently reinvested without using it for living expenses. Behind this strategy lies diligent household management and prudent insurance choices. In this article, I delve into the benefits of dividend reinvestment, the household management techniques that support it, and the rationale behind choosing income protection insurance. Benefits of Dividend Reinvestment 1. Wealth Growth ...