和泉 大樹（Daiki Izumi）

Asset Formation

【FP Explanation】Is Receiving Life Insurance Annuities a Bad Deal? Two Blind Spots in “Income Tax & Social Insurance Premiums” and the Correct Exit Strategy

Is receiving life insurance as an annuity really advantageous? In reality, it comes with a pitfall: not only does inheritance tax increase, but income tax and social insurance premiums also rise, drastically reducing your take-home pay. We thoroughly explain the exit strategy to avoid failure, as taught by financial planners, including comparisons with lump-sum payments and the impact on survivors' health insurance premiums.
2026.01.23
Asset Formation
Japanese News

【January 22, 2026】Today’s News Roundup｜LDP-Ishin Election Cooperation, Heavy Snow Impacts on Transportation, Latest Tech News

Breaking news for January 22, 2026. From road closures in the Hokuriku and Kinki regions due to heavy snowfall, NTT Docomo's network outage, and political developments like the LDP-Japan Innovation Party election alliance, to Gartner's latest security trends. This summary article lets you grasp today's events in just 3 minutes.
2026.01.22
Japanese News
Asset Formation

【2026 Amendment】Cryptocurrency Finally Subject to “Flat 20%” Tax! How Will Taxes Change with the Shift to Separate Taxation?

The 2026 (Reiwa 8) Tax Reform Outline explicitly states the transition to “separate taxation” for virtual currencies (crypto assets)! Based on explanations by Tax Accountant Serina Hayami, we clearly introduce key changes investors must know—including a tax reduction from up to 55% to 20.315% and a three-year loss carryforward deduction. We also include a simulation showing how much your taxes could decrease.
2026.01.22
Asset Formation
Japanese News

Why Is LUUP “Criticized”? The Light and Shadow Behind Its Rapid Growth, and the Future Unveiled by Its New Unimo Vehicle

Why is LUUP considered “dangerous”? We thoroughly examine the rapid growth behind its nationwide network of 15,000 ports and the operator's response to online criticism. With the introduction of its new vehicle “Unimo,” will electric kick scooters evolve into “safe infrastructure”? We delve into the light and shadow of LUUP.
2026.01.22
Japanese News
Asset Formation

Retirement Savings of 100 Million Yen Isn’t a Pipe Dream! Surviving Inflation with “4 New Rules” and Time-Powered Investment Techniques

In an era of inflation, relying solely on savings causes your assets to erode. We thoroughly explain the “Four New Rules” for building ¥100 million in retirement funds and the latest “Time-Saving Investment Techniques” utilizing generative AI. From working-age individuals to seniors, we introduce optimal strategies tailored to each demographic and the ultimate path to asset protection for the era of a Nikkei average at ¥60,000.
2026.01.21
Asset Formation
Japanese News

January 20, 2026 (Morning) Top News Roundup: Prime Minister Dissolves Parliament & Strongest Cold Wave of the Season Hits

【Latest as of 2026/1/20】Prime Minister Takaichi formally announces dissolution of the House of Representatives. A super-short campaign period leading to the February 8th election! Meanwhile, Japan faces its strongest cold wave of the season during the “Great Cold” solar term. Severe caution is required for transportation disruptions due to heavy snow. Today's key news—from politics and economics to weather and sumo results—explained in one minute.
2026.01.20
Japanese News
economy

Japan’s Economic Turning Point! What Scenario Can Turn the 2025 Crisis of Falling to 5th Place in Global GDP into Growth?

By 2025, will Japan's GDP be overtaken by India, dropping to fifth place globally? Daiwa Securities' Satoshi Osanai thoroughly explains the government's “24 trillion yen comprehensive economic stimulus package.” From countermeasures against rising prices to growth investments in AI and Green Transformation (GX), he clearly unravels the scenarios for Japan's economic revival and their impact on our lives and businesses.
2026.01.20
economy
unclassified

Financial Planners in 2026: From Analysts to Action Designers. Why Household ALM and Nudges Are Key.

The role of financial planners is evolving from “analysis” to “action design.” We explain the latest practices, such as using behavioral economics nudges to build habits and introducing ALM (Asset Liability Management) into household finances. We propose a new approach—not merely product recommendations, but becoming “life structure designers” who support clients throughout their lives.
2026.01.19
unclassified
economy

The Full Picture of Japan’s Economy in 2026: The Arrival of the 0.5% Interest Rate Era and the Multifaceted Impact of “Trump Tariffs”

Japan's economy will fully transition to a “world with interest rates” by 2026. What impact will the Bank of Japan's policy rate hike to 0.5% have on businesses and households? We provide expert analysis on three key factors shaping 2026's economic outlook, including tariff policies under a second Trump administration and supply chain disruptions stemming from geopolitical risks.
2026.01.18
economy