In general, it is said that the risk and return of an investment
generally said to be in balance.
Let’s take a look at each financial instrument.
〈Low-risk, low-return products〉
【Bank Deposits】
Deposits are actually a type of financial instrument.
In fact, deposits are a type of financial product because they currently offer almost no return,
Therefore, they are not suitable for asset management.
【Bonds】
Bonds are issued by the government, public organizations, companies, etc. to raise funds.
If held to maturity, the principal plus interest will be returned,
However, the return is also low because of the low risk involved,
However, the return is low, and it is not often chosen by novice investors.
【Savings-type insurance】
A fixed amount of money to be received at maturity at the time of contracting.
The amount of money that can be received at maturity is fixed at the time of contracting,
The amount received at maturity is fixed at the time of contracting.
The amount of money received at maturity is fixed at the time of contracting, while the amount received fluctuates according to investment results.
Not all of the premiums paid are invested,
The amount of money you receive depends on the results of the investment,
The amount of money you receive depends on the investment results.
〈Middle-risk/middle-return type〉
【Mutual Fund】
Mutual funds collect money from investors and invest it in large sums.
The money collected from investors is managed as a large sum of money.
The management is outsourced to a specialist,
The fees are relatively high because the management is outsourced to specialists.
【Gold Investment】
In times of war or disaster, the price of gold tends to rise sharply,
gold tends to rise significantly in times of war or natural disasters.
Gold is an asset that should be included in your portfolio.
〈High risk/high return〉
【Real Estate】
There are two types of investments: capital gain investments, which aim for marginal gains when buying and selling properties, and income gain investments, which generate rental income,
There are two types of investments: capital gain investments, which aim for marginal gains from buying and selling properties, and income-gain investments, which generate rental income.
The purchase price is high and the real estate company’s profit is added to the purchase price,
The purchase price is high, and the real estate company’s profit is added to it,
The purchase price is high and the real estate company’s profit is added to the purchase price, which may result in a loss when the property is sold.
【Stock】
In order to make a profit, it is necessary to consider the company’s business situation and future growth.
In order to make a profit, it is necessary to take into account the company’s business situation and future growth rate,
It takes time and effort.
Starting with the idea that “it somehow looks profitable” is no different from gambling,
It is no different from gambling.
【Forex】
This is a method of earning a marginal profit by buying and selling foreign currencies.
It is a high-risk product that requires a thorough knowledge of world affairs and the economy,
It is a high-risk product that is very difficult to judge.
【Crypto Assets】
Some crypto assets such as Bitcoin are used for asset management,
However, it is basically a high-risk investment.
When investing in crypto assets, it is important to keep the percentage to a low level,
It is important to keep the percentage to a low level.
In order to obtain the desired return while minimizing risk,
The key point is how to combine these products to control risk.
the key is to control the risk.