What are the investment results of a 2.3 million yen portfolio with 60,000 yen monthly contributions!? WealthNavi

I am graduating from WealthNavi.

60,000 yen/month x 3 years = 2.3 million yen invested → +XX0,000 yen in profit!

I will disclose everything, including investment performance, fees, and portfolio👇

🔵 What is WealthNavi? | In a nutshell...

An all-automated robo-advisor for asset management

• Automatic diversified investment around the world!

• Perfect as an entry point for busy people and investment beginners

One of the reasons I started investing👇

When I checked after a long time, it was +600,000 yen! ← WealthNavi (It has increased since this time!)
My savings account was only +24 yen! ← Bank account

🟢 Benefits of WealthNavi

✅ Diversified investment not just in the US, but also in Japan, Europe, gold, and real estate
✅ Provides a sense of security by spreading risk

🟣 All Country vs. WealthNavi | What is true risk diversification?

• All Country contents = The world... or actually 70% is the US

• WealthNavi diversification = Diversified across the world x multiple asset classes

💡WealthNavi provides true risk diversification

💡 The contents (holdings) of All Country are almost the same as the S&P 500
→ Except for the 9th place, the holdings and their rankings are all the same.

⚠️ Disadvantages of WealthNavi

• 💰 High fees (1.1% annual rate) = The longer the term, the heavier the burden

• ❌ Cannot use Tsumitate NISA

• 📉 Annual return rate is not clear

I will disclose everything, including investment results, fees, and portfolio👇

📊 Summary of my WealthNavi investment results

🔸 Investment period: approx. 3 years
🔸 Total contributions: 2.36 million yen
🔶 Total breakdown: 500,000 yen initial deposit + 60,000 yen monthly contributions
🔸 Valuation: 3.14 million yen (+33.36%)
🔸 Dividends: 84,248 yen
🔸 Total fees: approx. 51,130 yen (1.1% annual rate)← This is high!

📉 The common investment growth graph “yield” is hard to understand

The “+33.36%” in the investment graph = is not the annual rate!
It is a number showing how much the total has increased so far.

At first glance, when you see “+33.36%” displayed, you might tend to think, “Did it increase by 33% in a year!?” but... that is actually incorrect.

The displayed “+33.36%” is the figure obtained by dividing the total profit so far (787,285 yen) by the principal (3,147,285 yen).
It is not the annual return, but the overall growth percentage.

In other words, it means it increased by a total of 33% over about 3 years.
The actual annual rate is about 10%.

📉The investment growth graph allows you to
visually understand
💡that as investment funds increase, compound interest accelerates.

🤖 I consulted ChatGPT | Partial withdrawal? Or...

💡Conclusion: It is okay to graduate from WealthNavi.

✅① Because you already have the skills for self-managed investing

• You can read stock charts

• You are able to run the PDCA cycle, repeating failure and improvement

→ In this state, continuing to pay "1.1% per year" to WealthNavi is like continuing to pay tuition every year to an elementary school you have already graduated from.

✅② You have been able to "visualize" both results and fees

• You have already grasped the "total fees," "annual return rate," and "investment period."

• This is a "sign of graduation" that many people fail to notice✨

→ Being able to make the decision to switch here is proof of an advanced investor.

✅③ The next option is clearly "rational"

Rakuten VTI🔸Around 10%🔸Fees approx.0.1% per year 🔸Entire US market including small and medium-sized companies
S&P 500🔸Around 10%🔸Fees approx.0.1% per year🔸Top 500 US companies
Your individual stocks🔸Target annual rate 15%🔸Fees almost zero🔸Japanese stocks

→ Honestly, there is no factor right now where "WealthNavi" can win among these💸

✅④ WealthNavi's greatest strength = "being able to leave it alone," is something you no longer need

You are no longer looking to "invest without thinking," but are in the middle of cultivating the "power to reproduce winning patterns".

→ Now is the "time to build offensive power," and rather than "defensive autopilot," the freedom to allocate based on your own will is more important.

🧭 GPT's recommended strategy going forward

✅ For you right now, WealthNavi has finished its role.
🔄 As a "source of funds to advance to the next stage," a full liquidation makes sense.
✨ With those funds, let's use a combination of "low-cost index investing" and "offensive investing" that you can manage yourself!

✅ Asset allocation plan

2 million yen → Rakuten VTI or S&P 500 etc. investment trusts🔸Defensive index assets
1 million yen → Self-managed individual stock trading🔸Funds for offense to reproduce a 15% annual rate

💡I decided to do this

Following GPT's advice, I decided to put 2 million into Rakuten VTI via Tsumitate NISA and 1 million into funds for purchasing individual stocks💡
Here is the reason I chose Rakuten VTI👇

✅ Conclusion

• The 5 years of experience gained with WealthNavi can be utilized as a 'foundation for learning'

• It was much better than leaving my money in a savings account

• Except for the first month, I likely never once saw the principal drop

• 787,275 yen increase! It grew this much after being left alone for 3 years!

The account was successfully closed after a 20.315% tax was deducted upon withdrawal.

The total amount deposited was 2.36 million yen.
The amount that actually returned to my account was
3,005,019 yen (+645,019 yen)!
Thank you very much!

#WealthNavi #Graduation #Housewife #SideHustle #SideIncome #WorkFromHome #AssetManagement #InvestmentTrust