“I started investing because I was worried about the future, but now I can’t concentrate on work because I’m so preoccupied with stock price fluctuations…”
“I’m afraid of losing money, so I end up checking my phone screen constantly every day.”
If you feel this way, it’s not because of your personality.
In fact, the root cause is likely how you choose your investment strategy.
In this article, I’ll explain the “right approach” for building stress-free wealth, revealed through survey data from over 10,000 people.
1. The reality: 60% of investors feel “anxiety”
Starting to build assets only to find your mind never rests defeats the whole purpose.
One survey suggests that among experienced investors, only about 30% can confidently say they are “satisfied and feel no anxiety.”
The remaining roughly 60% continue managing their investments while harboring some form of anxiety.
Ironically, the very actions taken to grow money are lowering daily happiness levels—this is the reality for modern investors.
2. [Comparison] How Investment Styles Dramatically Affect Mental Health
Why do some people feel stressed by investing while others don’t?
The answer is clearly evident in satisfaction data broken down by investment style.
| Investment Style | Current satisfaction level | Presence of stress |
| Short-Term Active Intensive Program | Over 50% are “dissatisfied” | Approximately 70% feel stressed. |
| Long-term passive decentralized | Over 70% are “satisfied” | Over 80% experience no stress |
Pursuing short-term gains through “active investing” may seem exciting, but it comes with the mental cost of constantly monitoring the market.
Conversely, those choosing “passive investing”—investing in the entire market—maintain their investments with greater mental stability.
3. What creates a ¥15 million difference isn’t intelligence, but “consistency”
The true value of long-term diversified investing isn’t just mental stability.
It manifests as a “resulting difference in asset value.”
Analysis comparing investors with over 0.10 years of experience reveals surprising data: those who consistently followed a long-term diversified approach held an average of approximately ¥15 million more in financial assets than those who chose other methods.
Why does long-term diversification win?
- Resilient to market crashes
Not reliant on specific stocks, so you can hold on without losing heart. - Maximizes compounding effects
Staying invested is the key to snowballing your wealth. - Saves time
Time spent watching charts can be redirected to self-improvement or family time.
Summary: The “Emotional Intelligence” That Determines Investment Success
World-renowned investment professional Charles Ellis states, “Investment success is determined not by intelligence, but by emotional intelligence (the ability to control emotions).”
The “long-term, regular savings, and diversification” approach, also adopted by public pension funds, may seem unremarkable at first glance.
Yet this is precisely the “unbeatable investment strategy,” the shortest route to achieving the highest levels of happiness and wealth.
If you feel weary of your current investment style, why not pause and ask yourself: “Is this an approach that keeps my mind at peace?”
