Asset Formation

With index investments like “Orkan” dominating the new NISA, what warning is Sawakami Investment Trust's Ryu Sawakami sounding? He explains the risk of a “total collapse” lurking beneath the boom and the true value of active management that shines precisely in turbulent global conditions. We explore hints for reframing investment not just by numbers, but by “corporate growth.”

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.

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.

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.