This time,last time Following on from…
About the money you need after retirement.

How can I save money for my retirement?
I would like to touch on these points.

Living expenses after retirement and savings until retirement
If we look at it, the current average savings is
You'll see that it's not enough at all.

To live a comfortable life after retirement,
Among those in their 40s and 50s who are still working
Save money for retirement
It can be said that there is a need for it.

However, the savings interest rate in our country is very low.
The interest on savings accounts is not enough to save for retirement.
I can't expect it.

So,
There are risks involved compared to savings accounts
Invest and increase your assets
That is one way to do it.

So what kind of investment is
Is this a recommended measure for post-retirement?

From here on, we will introduce investments for retirement.
We'll explore a few methods.

◆Purchase of foreign bonds

When I bought Japanese government bonds,
The interest rate is low, so you can get a very satisfying return.
It will be hard to get.

However, other countries like Japan
It issues government bonds and corporate bonds.

Compared to Japan, foreign bonds have higher yields,
If you buy government bonds, you will be in default.
There is little risk and it is safe.

Further benefits
There is a possibility of gaining profits from exchange rates.

Buy when the yen is strong and sell when the yen is weak.
The fact that you can expect profits from foreign exchange
This can be said to be a major advantage.

Please note that
There is a possibility of incurring exchange losses
The point is that there is.

Contrary to the previous example,
If you buy when the yen is weak and sell when the yen is strong,
Revenues have decreased due to exchange rates.
In the worst case scenario, you may lose your principal.

But it can also be held for a long period of time.
Buying foreign bonds is an investment
This is a very effective technique.

◆Earn rental income through real estate investment

Buying real estate such as condominiums and apartments
Real estate investment involves earning income through rent.

You can receive your monthly rent steadily.
As a substitute for passive income or life insurance,
In recent years, office workers have also been actively
Entering the real estate investment market.

Real estate such as condominiums and apartments
Because the amount is so large, many people
Get a loan to buy it and get monthly rental income
The amount after deducting the loan repayment
It is revenue.

If occupancy is stable,
Management should be left to the real estate company.
You can expect stable profits without having to take any action yourself.

On the other hand, there are risks such as occupancy risks and repair risks.
There are several possible risks,
When a reliable real estate company becomes your partner
I would say this is very encouraging.

In an area with stable occupancy,
A reliable real estate company
By partnering with us,
Long-term stable income and sales
There is also hope for income gains.

Active investment for retirement

last time The article on retirement is
The target is mainly two-person married couple households
We handled it.

If you are single or live alone,
Of course, the model cases will change,
Carefully analyze your situation
How much money will you need in retirement?
It's important to conduct a simulation.

Pension alone is not enough to live a satisfying life
Nowadays, it is highly unlikely that
As a measure for retirement,
The time has come to turn our attention to investments.
Is it coming…? Maybe.

So that's all for this time.
See you next time.

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