20s is the golden age of asset formation that can make the most of "magic of time". In Japan, the increasing attitude of average wages and non regular employment increases, and the attitude of "a certain amount of money" is important. In this article, we will explain the strategy of asset formation that can be performed even in the 20s in accordance with domestic system and market environment.

1.The foundation of asset formation: establishing three assumptions

1.1 securing funds for emergency funds

First, let's secure living expenses for 3 to 6 months as オナホール funds. It is prepared for the sudden expenditure by keeping it in the money market fund and the ordinary deposit, and keeping it ready for the hand.

1.2 debts of useless debt

Credit card unpaid and high interest rate loans are the greatest enemies of asset formation. We pay preferential repayment from high yielding debts and suppress new wasteful spending.

1.3 increase in income by self investment

The biggest asset of the twenties is "oneself". Develop self-investment that will lead to increased future income, such as qualifications, skill ups and language learning.

2 investment practices using Japanese system

2.1 the best use of new Nisa

Take advantage of a non taxation frame of 360 million yen a year, and practice the long term investment. It is safe to start a low risk Index ETF on a regular basis. If you start investing in young people, the asset will accelerate with the effect of compound interest.

2.2 ready for old asset with

If you join the ideco from the 20s, you will be able to pile up your old age assets in the long term while receiving tax incentives. It will be a supplement to future pension income by accumulating even a little monthly.

2.3 an increase in income sources

The adjoining business that utilizes hobby and skill is 電マ. In Japan, there are opportunities for various adjoining businesses such as net sales, freelance and Internet consulting. All of the subsidiary business revenue is made to accelerate the asset formation by turning it into investment. 

3.Long term asset formation

3.1 Yoshida who continues investing in long-term view

Let's continue investing in long-term market over 10 years. Since the risk tolerance is high, it is possible to pursue a high return by moderately raising the stock related investment ratio.

3.2 risk reduction in distributed investment

It does not concentrate on a single investment product, and it disperses it to the stock, the bond, and the real estate (J-REIT) etc. Japanese youth can diversify, including global investment trust, to avoid the risk of changing regional economies.

Summary

The formation of assets from the twenties is key to "small stacking and long lasting". If you are able to secure emergency funds, utilize the system, and engage in both self and side-by-side business, you can build a property from a small amount. If you take full advantage of Japan's tax preferential system and continue the long term investment in arms to young, it is possible to approach future financial freedom.