無理むりして投資とうしを始はじめるべきか？家計かけいと老後ろうごのバランスを考かんがえよう

You may have been told by a securities company representative, If you invest 30,000 yen a month in investment trusts, your future life will be easier.

However, if the household finances are tight due to a mortgage or childrens education expenses, 30,000 yen per month is a very large amount.

Many people are struggling with whether they should start investing for the future or cherish their current lives.

According to a recent survey, the number of people who are investing or who think investment is necessary is increasing.

If you save 30,000 yen every month for 30 years, the principal will be about 10.8 million yen.

If you can manage an annual interest rate of 3%, the amount could reach approximately 17.5 million yen.

However, this is assuming that it can be continuously maintained for 30 years.

If you start investing beyond your means, you may not be able to handle unexpected expenses.

Furthermore, reducing living expenses to allocate more to investments can make you more susceptible to stress.

Investment trusts need to be maintained over the long term, but if you quit midway, you may incur losses.

First, lets think about the familys financial plan for the next 10 to 15 years.

It will give you greater peace of mind if you check when education expenses will peak and when your mortgage payments will end before you start investing.

You can start investing with a small amount, such as 5,000 yen or 10,000 yen per month.

The important thing is to keep going without overdoing it.

Please use the securities companys proposal as a reference and choose a method that suits your households financial situation.

Not forcing yourself too much will lead to peace of mind in the future.

First, stabilize your current life, and then consider investing if you have the means.