What is Onigiri-man's Investment Policy? (Allocation of Investment Funds) 92
Hello.
This is Onigiri-man.
(Onigiri-man is a man approaching 60, with less than three and a half years until retirement.)
Thank you for stopping by Onigiri-man's post again today.
This will be the final installment of Onigiri-man's investment policy for now.
Thank you for joining me for the past 12 posts including this one.
Moving forward, these investment policy posts will report on Onigiri-man's actual distribution and dividend results.
Currently, I am in the process of verifying my investment stance, so I would like to disclose the trend results from now until December 2024.
It would be interesting to report the total balance after one year, and it might provide a clearer picture of distributions and dividends, as well as the path toward a 'personal pension'.
It would also be very gratifying and exciting for Onigiri-man if I could clarify any challenges.
I have also attached the following posts for reference regarding past results.
12. Allocation of Investment Funds
12-1 What is the ratio of investment funds to cash assets?
Onigiri-man is in the generation approaching 60 and will reach retirement in three years.
It is expected that my income after age 60 will be about 60% to 70% of my current income. While fully investing deposits held in city banks or regional banks could lead to higher returns if the economy performs well, it could also lead to significant losses if the economy stagnates or a major shock occurs.
When various indices fall, it is also a 'crisis is an opportunity' situation.
1. If you don't have cash to invest during a downturn, you cannot increase the number of units in your investment trust.
2. If you are fully invested during a downturn, it is difficult to realize losses.
(If you convert to cash, the loss is realized, and the total asset value decreases.)
For this reason, I believe it is important to pursue an optimal investment balance based on age.
Since Onigiri-man is 56, I have set my maximum investment ratio at 44%, but I believe it is possible to recommend that a young person of 30 have an investment ratio of up to 70% for purchasing investment trusts.
This is because I believe that in the case of young people, they can recover the decline in various indices through subsequent labor and human capital.
12-2 This is just a principle
The content in post 12-1 is just a principle. Onigiri-man tries to follow this rule as much as possible.
Of course, if it is considered certain that this is the bottom for various indices, there are times when I am confident and shift this ratio by 10-20% or more from cash assets to investment assets.I also take risks.
For example, between March and the end of April 2024, Onigiri-man switched about 40% of the amount from cash assets to investment trusts in the 'Individual Defined Contribution Pension (iDeCo)'.
I plan to continue my current positioning until around August, and then, while closely watching the valuation of each investment trust, I plan to switch back from investment trusts to cash assets again.
After that, I will keep cash assets as the main focus until around November, and depending on the situation of each index, I am also considering shifting assets from cash assets to investment trusts again by the end of the year.
Thank you for stopping by Onigiri-man's post again today.
Your visits are my greatest encouragement.
Please continue to support me.