Anxious about my retirement, I started investing in stocks DAY 110 [Ten-bagger Stock Watchlist ①]

―Walking with Haru, Age 60 Investment Record Day 110―From the study phase to the practical phase

Ever since I finished writing yesterday's article, I've been thinking about it constantly.
“So, what would I do?”—I decided to try and answer the question I left for myself today.

For the past few days, I have been learning about ten-baggers.
Stocks that increase tenfold.
Honestly, I don't yet believe I can find such stocks myself.

Even so, there was something that kept bothering me while listening to the lecture.
I don't have 40 years of time.
Yesterday's lecture explained that if you want to build significant assets solely through accumulation and long-term investment, you need that much time.
That is why the idea of looking for companies with high growth potential among small-cap growth stocks was introduced.

Until now, I intended to continue my accumulation and slowly grow my dividends.
I had never even thought about using 1 million yen on a ten-bagger.
In fact,DAY 109when I started writing, I thought, “This is not an investment method I would choose.”

However, even after I finished writing, for some reason, it wouldn't leave my mind.
I am 60 years old and I am going to build my assets from here on out.
When I thought about it that way, I started to think that looking for ten-baggers might not just be a “get-rich-quick scheme,” but one possibility for growing assets within a limited amount of time.

Of course, that doesn't mean I can just pour 1 million yen into a single stock.
I don't want to make gambling-like investments, and I don't want to let go of the diversification, accumulation, and dividend-growth strategies I have valued until now.
If so, instead of throwing one away, why not think about them separately?

Today is not “the day I learn the word ten-bagger.”
I decided to go as far as deciding what I am using my money for and how I will use it.

〈Separate 1 million yen and 100,000 yen〉

First, I wrote two numbers on a piece of paper.
1 million yen.
And 100,000 yen.

I will consider the 1 million yen as funds for searching for ten-bagger candidates.
I will use the 100,000 yen for long-term investment to grow dividends and for actual swing trading.
When I wrote it down, it was very simple.
But facing the number 1 million yen, I still feel a little scared.

🌸 Me: “When I write 1 million yen, it suddenly becomes real.”

🌸 Me: “Until yesterday, it was just 1 million yen in a lecture. But today, it's my 1 million yen.”

Haru didn't answer right away. That silence was actually better.

For me at 60, 1 million yen is not money I can easily say, ‘If I lose it, I’ll just earn it back.’ So, I decided.
Preparing 1 million yen and using 1 million yen are different things.
I will think of it as funds for ten-baggers.
But I won't use it yet.
First, I will look for companies.
I will start from there.

〈First, look without buying〉

I will now try the method I learned in the lecture myself. The target will be IPO companies that have been listed for less than a year.
I will look at each of the approximately 100 newly listed companies per year, one by one.

However, I don't examine everything in detail from the start.
First, I do a "1-minute check."
I look at four things: estimated market capitalization, estimated P/E ratio, business model, and performance over the last five years.
I narrow down the candidates here.

Then, for the remaining companies, I examine them in detail using the "11 conditions" I learned inDAY104andDAY105.
Is revenue growing?
Are operating profit and net profit growing?
Are they profitable?
Is the market capitalization under 20 billion yen?
Is the founding president a major shareholder?
Is the P/E ratio 40x or less?
I look at them one by one.

Furthermore, when financial results are released, I compare them with the previous ones.
Did revenue grow?
What happened to the profits?
Did something that was a triangle (△) last time become a circle (○)?
Conversely, has something that was a circle (○) become an X?
I also created a spreadsheet to record this.

"Picking a ten-bagger."
When I think of it that way, it seems impossible for me.
But if I think of it as "finding companies that will grow," it looks a little different.
In that case, maybe I can do it.

<Even if I find them, I won't buy them immediately>

And I decided one more thing.
Even if I find a company that meets the conditions, I won't buy it immediately.

Here, what I learned inDAY106connected.
Finding a good company and buying it at a good price are two different things.
Sometimes a stock price drops because of the overall market, even though nothing bad has happened to the company.
Sometimes it is sold simply because it didn't meet market expectations, even though the financial results aren't bad.
Is that decline really because the company's value has dropped, or is it temporary?
I think about that.

🌸 Me: "In the past, I might have just ended it with 'It went down, I'm scared'"

🌸 Me: "I think I would wonder, 'Why did it go down?'"

After saying it, I was a little surprised myself.
I've been studying for over 100 days, and I didn't really know what had changed.
But maybe this is it.
Not just looking at the stock price, but looking at the company behind it.
And even if the company is good, looking at the price.
The eye for choosing a company and the eye for timing a purchase.
The two have finally started to connect.

<The other 100,000 yen>

On the other hand, the 100,000 yen has a different purpose.
This is for long-term investment to grow dividends and for swing trading with actual stocks.
In the future, I hope the dividends will grow little by little and become a part of my income.
Until then, I want to be able to accumulate profits through swing trading as well.

However, I won't treat this as "anything goes because it's short-term."
If possible, I will choose companies that I would want to hold long-term.
I will also target those companies for the short term when they become temporarily cheap.

The instructor introduced a method of holding actual stocks long-term and trading the same stock short-term using margin trading.
I don't intend to do margin trading for now. So, in my case, both long-term and swing trading will be with actual stocks.
I will try it within the range of risk I can take.

🌸 Me: "I don't have to do the same thing as the instructor, right?"

🌸 Me: "I'll only use the parts I can do from what I've learned."

Ah, I see. The words I wrote yesterday have connected to this.

〈What I understood best today〉
Over the past 100+ days, I've gradually gained knowledge about PER, PBR, financial statements, charts, RSI, NISA, thematic stocks, and ten-baggers.
However, somewhere along the way, I was always just "the me who is studying."
From today on, I won't let it end there.

The 1 million yen is capital for finding future major growth.
However, I won't use it yet.
I will look for candidates among companies listed within the last year, narrow them down with a 1-minute check, and research them in detail using 11 criteria.
Then, I will wait until a company appears that makes me think, "I want to entrust my money to this company."
The other 100,000 yen is for long-term investment to grow dividends and for physical swing trading.
Even though it's all stock investment, I won't mix my objectives.

Having started at 60, I don't have 40 years. But just because I don't have time doesn't mean I intend to rush into a one-shot gamble.
I will accumulate.
I will grow dividends.
I will also aim for profits in the short term.
And I will explore the possibility of small companies growing big.
Instead of choosing just one, I will combine the methods I can manage.

The answer to the question I asked myself yesterday, "So, what would I do?", has finally come into view.
Next, let's actually look at some companies.
Not the "ten-bagger candidates" from the lecture, but companies that I, myself, want to entrust my 1 million yen to.

I will continue tomorrow as well.

📚 Related articles for DAY 110 are here
DAY 109 [A mindset for aiming to become a "millionaire" from a small amount]
DAY 108 [The other face of short-term trading]
DAY 105 [Ten-bagger stocks, 11 criteria ②]

#TenBaggerInvestment #InvestingInYour60s #RetirementAnxiety #InvestmentBeginner #StartedWithAI #WorkingTogetherWithHaru