[Investment Diary] Certain peace of mind in uncertain times: A 5-year roadmap to 100 million yen in assets

1. Goal: Why aim for 100 million yen?

In today's world where the future is uncertain, I want to live with the certain peace of mind that I can continue to support my family no matter what happens. That is the biggest motivation for aiming for the specific figure of 100 million yen.

In addition to my 4-year-old eldest daughter, there is my eldest son who will be born soon. I have summarized this '5-year challenge' to build a solid economic foundation for the future as my children grow, and to create an environment where my family can live peacefully without being swayed by changes in society.

2. Research: 5 steps to 100 million yen in assets and target progression

This is a simulation that aims to reach the goal by utilizing professional investment methods while aiming for a maximum annual deposit of 5 million yen (a total of 25 million yen over 5 years).

*This is the target asset amount at the end of the year, assuming an initial asset of 10 million yen + an additional investment of 5 million yen every year, and ideal management.

[Years 1-2: 2026-2027] Doubling assets by leveraging a bull market

2026 is a 'tailwind' period where some predict the Nikkei Stock Average will approach 60,000 yen. I will concentrate funds on the major trends of inflation and rising interest rates to rapidly expand assets in the initial stage.

$$
\begin{array}{|c|c|l|l|} \hline \text{Period} & \text{Target Asset Amount (Year-end)} & \text{Strategy Theme} & \text{Main Sectors/Stocks to Watch} \\ \hline
\text{Start} & \text{10 million yen} & - & - \\ \hline
\textbf{Year 1 (2026)} & \textbf{20 million yen} & \text{AI Infrastructure and Rate Hikes} & \text{Fujikura (5803), Hitachi (6501), Mitsubishi UFJ (8306)} \\ \hline
\textbf{Year 2 (2027)} & \textbf{35 million yen} & \text{Cyclical Value} & \text{Buying at the 'trough' of cyclical stocks like shipping and chemicals} \\ \hline
\end{array}
$$

[Years 3-4: 2028-2029] Steadily accumulating through strategic investment

A period when assets exceed 35 million yen and the quasi-wealthy bracket comes into view. While strengthening risk management to avoid large losses, I will aim for steady accumulation using highly reproducible methods.

$$
\begin{array}{|c|c|l|l|} \hline
\text{Period} & \text{Target Asset Amount (Year-end)} & \text{Method} & \text{Specific Details and Benefits} \\ \hline
\textbf{Year 3 (2028)} & \textbf{55 million yen} & \text{IPO Investment} & \text{Increase winning probability with capital. Accumulate hundreds of thousands in profit with low risk.} \\ \hline
\textbf{Year 4 (2029)} & \textbf{80 million yen} & \text{Event Investment} & \text{Practice 'hard-to-lose investment' by aiming for capital gains before the shareholder benefit record date.} \\ \hline
\end{array}
$$

[Year 5: 2030] Foundation for stable income and reaching the goal

The final year with 100 million yen within reach. Finally, I will control risks and cross the finish line while establishing a 'passive income' system where dividends support the household budget.

$$
\begin{array}{|c|c|l|l|} \hline \text{Period} & \text{Target Asset Amount (Year-end)} & \text{Stock Examples} & \text{Investment Points and Benefits to Family} \\ \hline
\textbf{Year 5 (2030)} & \textbf{110 million yen} & \text{SoftBank (9434)} & \text{Directly subsidize daily household budget with high dividends + PayPay benefits.} \\ \hline
\text{(Goal)} & \text{(Achieved & Surplus Funds)} & \text{Takara Tomy (7867)} & \text{Growth market + Tomica benefits for gifts to children and asset protection.} \\ \hline
\end{array}
$$

3. Conclusion: '3 Iron Rules' to support success

To realize this ambitious roadmap, I have summarized the three guidelines I must follow.

1. Fully utilize the strongest weapon: 'Deposit Power'

   1. Taking advantage of my ability to deposit up to 5 million yen annually, I will calmly continue this deposit investment method without being swayed by market fluctuations.

2. Eliminate emotions and maintain discipline with 'limit orders'

   1. To stay calm while busy with work and childcare, I will thoroughly use 'limit orders.' Trading at a price I am satisfied with is the iron rule for not losing assets.

3. Always keep 'family peace of mind' at the center

   1. 100 million yen is merely a means for 'my family to live peacefully.' I am convinced that not taking excessive risks and maintaining a perspective of supporting corporate growth will lead to long-term success.

Five years from now, I would like to quietly celebrate the achievement of this roadmap while my children are growing up healthy by my side.

Reference Sources

• Mitsubishi UFJ e-Smart Securities: 2026 Market Outlook and Featured Stocks

• Marutoku IPO Information Bureau: What is an IPO (Initial Public Offering)? / Performance Data

• TOMY Company, Ltd. Integrated Report 2025

• PIVOT Official Channel (2026 Market / Individual Investor Interview)