100 Million in Assets in Your 40s! Building a System for Dual-Income Couples to Become "Okuribito"

Hello! This is Chaso-sensei🧑‍🏫!
It is often thought that "100 million yen is only for the wealthy," but if dual-income couples leverage "deposit power" and "time", it is entirely possible to reach that milestone while in your 40s.
My family is also aiming for this as we build our assets😄
Honestly, I think reading this article will show you that while saving 100 million might seem far off, it is surprisingly realistic😄

1. The ultimate boost: "Living on one person's salary"

The most efficient method is the style of treating one spouse's annual income as if it "doesn't exist" and investing the entire amount.

Investing 4 million yen per year (approx. 330,000 yen per month)

100 million yen in about 25 years

Investing 5 million yen per year (approx. 410,000 yen per month)

100 million yen in about 20 years

Investing 3 million yen per year (approx. 250,000 yen per month)

100 million yen in about 33 years

If you start at 22, you will reach the goal between 42 and 55.
33 years for 3 million is honestly not much different from retirement, but... if you can finish in 20 or 25 years, you can create more than 10 years of your own time before retirement😄

2. Fully utilizing the "compound interest" of the New NISA and index investing

Saving only in cash takes time, but by combining stock investments centered on the New NISA (such as the S&P 500 or all-country stocks), the difficulty level drops dramatically.
Simulation with an expected return of 5%
For example, what happens if you invest **300,000 yen per month (3.6 million yen per year for the couple)**?

Point

While it is calculated to take over 25 years with cash alone, it is shortened to 19 years just by adding a 5% annual return😄. It's amazing that reaching it at 41 comes into view!!
The power of compound interest is fearsome.

3. The "15-year barrier" proven by history

Investing carries risks, but according to past data (MSCI All Country World Index, etc.), there is a statistic that if held long-term for 15 years or more, no matter when you start, it converges to a positive return without falling below the principal.
This is why "All Country" is said to be the strongest. If you hold for over 15 years, history shows there is a high probability of winning even if there is a crash😄
We don't know the future, but this is reassuring data😎

In the process of aiming for "100 million in your 40s," it is important to have a mindset that views market downturns as "opportunities to buy cheap."
Index investing is wonderful because you're happy when assets increase, and you're happy when they drop because you can buy more🥰

3 Ironclad Rules for Success

1. Do not raise your standard of living

Even if your salary increases, fix your expenses to "one person's salary." If the other salary also increases without losing to inflation, your life won't become difficult.
If you are investing in stocks, your assets are resistant to inflation, so you can build assets with more peace of mind.

2. Fill your New NISA quota

Filling the total tax-free allowance of 36 million yen for a couple as early as possible will maximize the effects of compound interest.
Of course, there is no need to fill it at the fastest possible speed. I think it's fine to go at your own pace.
Let's try not to get caught up in being the fastest.😎

3. Consistency is your greatest weapon

The patience to keep investing steadily without selling during market crashes is what will ultimately attract 100 million yen.
Historically, stocks have recovered from every market crash.
Let's strengthen our resolve so we don't panic sell!

Summary

Even with just savings,if you live on only one person's income, 100 million is a completely achievable figure.
If you incorporate investments, it's a calculation that makes reaching it even easier.

In reality, there may be periods where you cannot work due to childbirth or illness, but if you make time⏰ your ally, there is still a good chance you can achieve it while in your 40s.

I personally took a year of childcare leave this year, but excluding living expenses, my assets increased by 4.5 million yen. If you include my wife's asset growth, it increased even more.

Even during childcare leave, you can sufficiently increase your assets by building them through the new NISA or other accounts, so please give it a try.

I used to think, '100 million is such a dream! That's rich!😚' but when I actually calculated it, I realized in my 20s that it's completely possible if a dual-income couple uses asset management like the new NISA, and that it's an amount anyone can obtain.

What you must not be careless about is inflation... 100 million in 20 or 30 years might... actually not be that much money??😰😰
Since we don't know what the future holds, let's adjust according to inflation and the situation!

Thank you for reading.😊