和泉 大樹（Daiki Izumi）

Asset Formation

What is the golden ratio for savings, emergency funds, and investments? Steps for building wealth without failure

Should you prioritize savings or investments? We'll solve that question for you. Starting with the appropriate amount for your “emergency fund”—the foundation of asset building—we explain the 3-step sequence for saving and investing to avoid mistakes. Includes reference tables for singles and families. Check out this roadmap now to ease future anxieties and grow your money wisely!
2026.02.09
Asset Formation
Japanese News

[Latest February 9, 2026] Stock Prices Soar to Historic Highs as LDP Wins Landslide in Lower House Election! Expectations for the Takaichi Administration and International Reactions

February 9, 2026: Latest News Highlights. Following the LDP's landslide victory in the House of Representatives election, the Nikkei Stock Average surged past the 57,000-yen mark for the first time in history! We break down key economic, political, and IT topics from an SEO perspective: expectations for the Takaichi administration, reactions from world leaders including President Trump, and NTT Docomo's launch of satellite communication services.
2026.02.09
Japanese News
Japanese News

Fictitious transactions worth ¥246 billion uncovered at KDDI subsidiary BIGLOBE. Explaining the impact of delayed financial results and the background of the scandal.

KDDI subsidiaries Biglobe and G-Plan have uncovered suspicions of approximately ¥246 billion in overreported sales and approximately ¥33 billion in external outflows. We clearly explain the latest information, covering the methods of fictitious transactions, the impact of delayed earnings announcements, President Matsuda's apology, and the future investigation plan.
2026.02.07
Japanese News
Pension・iDeCo

Guide to Transitioning Retirement Benefits to Corporate Pension Plans (DC/DB) | Explaining Key Considerations and Benefits of System Changes

As companies increasingly shift from retirement allowance systems to corporate defined contribution (DC) or defined benefit (DB) plans, are you concerned about how this might affect you? This article explains the transition from “salary-based systems” to “point-based systems,” key considerations during plan transitions, and the pros and cons based on expert materials. We clearly outline essential points for beginners to avoid losses, including “preservation of accrued benefits” and “assumed rates of return.”
2026.02.06
Pension・iDeCo
Asset Formation

The “Sin” of Index Investing Lurking in the Shadow of the Orkan Boom and the Truth of Investing

Amid the current boom in index investing—popularized by products like the “Orkan” fund under the new NISA system—we dare to question its “sin.” Based on a column by Ryu Sawakami of Sawakami Investment Trust, this piece thoroughly examines the “essence of investing” and the “mindset of supporting companies” that tend to be lost in the pursuit of efficiency. We explore hints for achieving true asset building and social contribution—not merely ending up in a money game.
2026.02.06
Asset Formation
Pension・iDeCo

Explaining the Tax Savings Benefits of iDeCo! Key Points for Efficient Asset Building

A Beginner's Guide to iDeCo's Tax Savings Benefits! We clearly explain its three key advantages: full income tax deduction on contributions, tax-free investment gains, and tax deductions upon withdrawal. Includes tax savings simulations by annual income. A must-read for those who want to build retirement savings wisely while lowering their taxes now.
2026.02.05
Pension・iDeCo
Japanese News

President of Resignation Agency “Momuri” Arrested | Explaining Suspected Violation of the Attorney Act and Impact on Users

A thorough explanation of the news regarding the arrest of the president and others at Albatross Inc., operator of the resignation agency service “Moomuri.” Why were they charged with violating the Attorney Act (unauthorized practice of law)? We've clearly summarized the case overview, the background surrounding referral fees, the impact on current users, and how to choose a resignation agency going forward—all from a professional perspective.
2026.02.05
Japanese News
economy

The Lie That Savings Are Safe: Will Inflation Melt Away Your Assets? Survival Strategies to Protect Your Family from the “Silent Bank Freeze”

Do you think your money is safe in the bank? Due to the “silent deposit freeze” created by the gap between inflation and interest rates, your assets are effectively shrinking. Based on the sharp analysis of economic journalist Kenichi Ogura, we clearly explain asset protection strategies to shield your family from rising prices.
2026.02.05
economy
economy

Back to a World of Interest Rates After 30 Years. New Norms for Households and Investments Shifting with the Bank of Japan’s December 2025 Rate Hike

December 2025: The Bank of Japan raises its policy interest rate to 0.75%. How will our household finances change with this shift to a “world with interest rates” for the first time in 30 years? From the impact on mortgages to strategies for utilizing MMFs (Money Management Funds), which have made a comeback after a decade, we provide clear explanations based on insights from Daiwa Securities experts.
2026.02.05
economy
Psychology for the Workplace

Is Lack of Motivation at Work Due to “Learned Helplessness”? Two Tips for Building Unbreakable Motivation

Lack of motivation at work may stem from “learned helplessness.” Drawing from psychologist Seligman's experiments, we explain the nature of this state of apathy where effort feels unrewarding. Discover psychological techniques you can apply tomorrow—like setting goals with a 50% success rate and declaring your intentions to others—to reignite your drive.
2026.02.03
Psychology for the Workplace
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