【nisa おすすめ】50代から新NISAはどれが正解？人気5指数をデータで徹底比較

If you want to increase your assets through a small difference in the number of people, this high-

return, low-risk product is the best option. By

understanding each one in detail, you'll be able to

accurately identify the investment that will yield the most returns within your own circumstances.

Hello. I'm

Yutaka, a financial planner with 10 years of experience in investing. You often see

these five stocks mentioned when watching videos about NIS or asset management, right?

However, with people saying things like "Hang

Plus is the best" or "All-in-One S&P500 is the only

choice," there's a lot of conflicting

information out there, and I'm sure many people are wondering which one is actually the best

. In conclusion, if you

understand the contents and characteristics of each product, you will be able to choose the product that best suits your needs

without making a mistake

. This is because,

in investing, what's important isn't just which product you choose,

but ultimately how long you can hold onto it

. No matter

how excellent a stock may seem, if you buy it without knowing what's inside, you'll

inevitably panic and sell it off when the market crashes. To prevent

that from happening, the most

important thing is whether you can truly commit to it and stick with it. So

today, I will explain each of these five points in detail, and

thoroughly compare future return simulations, the risk of losing principal, and investment efficiency. This will help you

confidently choose the perfect watch for yourself,

so please read to the end

.

Okay, so let's start by looking at Japanese stocks

. Well, Japanese stocks, especially the

music stock, have been hitting record highs recently and have been in

the news every day, so I

think a lot of people are paying attention to them. Actually,

I also recently bought more Japanese stocks

. So, the most

well-known indices for Japanese stocks are the Nikkei

Average and the TOPIX. I think it's these two

, but looking at the recent returns, it's been 5 years

. In that case, the Nikkei 225 is up

17.4% and the TOPIX

is up 18.4%, and over 10 years, the Nikkei 225 is up

14.1% and the

TOPIX is up 13.8%. So, if you had

invested 1 million yen 10 years ago, the

Nikkei 225 would be up 3.73 million yen and the TOPIX would be up

3.63 million yen. In fact, even with

this, the current state of Japanese stocks is that they are

producing higher returns than the mainstream all-around or S&P 500

. So, while Japanese stocks are attracting a lot of attention

, to get straight to the point,

if you're going to make them your main investment, I recommend the TOPIX index

. The reason for this is that the Nikkei average is sometimes

said to be a distorted indicator

. The Nikkei Average, also known as the Nikkei 225

, is an index calculated based on the stock prices of 225 companies selected by the Nikkei Inc., and is

called a stock price-weighted index. To

put it very simply, the system is

designed to be heavily influenced by stocks with high share prices

. Some of you might be thinking, "But isn't that a good thing because it sounds like it would be profitable?" However,

this is where the

trap lies. Stock prices are

basically designed to rise when a company's profits increase

. In other words, when a company

's profits increase and investors see that this investment is likely to be

more profitable, they will buy shares. So, as the

overall value and

size of the company—which is called its capitalization—increases, the

stock price also tends to rise. That's how it

works

. In other words, if you want to increase your assets through investment, you

need to invest in companies that are expected to grow their profits and increase their capitalization, rather than companies whose stock prices are currently high

. In the case of the Nikkei average

, it is sometimes said to be a distorted indicator because it is easily influenced by companies whose stock prices are currently high

. The top 10 Japanese companies by total capitalization and the

top 10 stocks by weighting within the Nikkei 225 index

. This table shows them side by side

, and you can see that the facial features are completely different

. Companies like Mitsubishi UFJ and Sumitomo Mitsui have seen their stock prices rise

considerably recently due to interest rate hikes, but they are not among the

top 10 in the Nikkei average. Similarly,

Murata Policy Research Institute's stock price has grown about fivefold in a year

, but it is not among the top companies in the Nikkei average

. Moreover, the Nikkei average is

comprised of 40% of the total by the top 5 companies, meaning that

despite its name as an average, it is

heavily dependent on a select few companies

. Therefore, instead of simply

choosing a stock because you often see news about it hitting a new market high, it's

important to thoroughly understand its contents and characteristics when making long-term investments

. On the other hand, another

prime example is topics. This system

uses a weighted average based on total capitalization

. In other words, it's an index calculated based on the company's size, value, and capitalization, rather than its stock price

. In

simple terms, a capitalization-weighted average is an indicator that balances investments by

investing heavily in stocks with large capitalizations and only a small amount in

stocks with small capitalizations

. Why is the

capitalization-weighted average superior for music?

For example, consider a stock market with sales

of 1 billion yen and a Toyota dealership with sales of 100 billion yen

. Let's assume there are only these two options.

Well, a stock market like this is impossible,

but if both companies' sales increase by 10%

, the wealth-focused company's sales would increase by 100 million yen, while the focus company's sales would

increase by 10 billion yen.

This shows how the impact of capitalization can be

completely different.

In other words, the idea behind this capitalization-weighted average is that if you want to capture the growth of the entire Japanese stock market,

investing heavily in companies with large capitalization, such as Toyota, will allow you to

capture more of that growth

. In fact,

this table shows the top 10 stocks in the Topics ranking and the top 10 stocks in the Self-Capitalization ranking, and I

think the lineup is pretty much the same

. So, this company called Ima Kiokusha

[Music] is growing quite a bit, but due to the

restrictions on which stocks we can handle

, it's not yet included in the topics. However, as you can see, the other aspects are quite similar

. Even if you add this up, it only accounts for

23% of the total, so it's not strangely biased, and the

investments are properly balanced according to the total capitalization,

so it's structured in a way that allows it to capture the growth of Japanese stocks as a whole

.

Furthermore, the topics section is currently undergoing a

significant overhaul, scheduled to run from 2022 to 2028

. So, the key point is to

narrow down the number of stocks you're considering.

For example, the aim is to increase competitiveness by gradually removing companies that do not make efforts to raise their stock prices or

companies that give a negative impact to the index

. By 2028, the current 1600 stocks are

expected to be narrowed down to approximately 1050 stocks. As this happens, the index will consist

of a much more carefully selected group of companies, which is

expected to make it a much more favorable index for investors

.

Next up is the All Country Global Stock

Fund, or simply "All Country" for short

. When it comes to all-country funds, the

EMAXIS LIVE All Country Global Stock

Fund is probably the most well-known, but these

global stock indices are

investment trusts that track an index called the MSCI All Country World Index

. Looking at the actual recent returns

, it's roughly 12% over 5 years and 13.4% over 10 years. So,

if you had invested 1 million yen 10 years ago, it would now be around

3.5 million yen

[music], which

shows exceptional stability. In conclusion, the Orkan index can be considered the

most rational investment

index in any era. To put it

simply, the reason is that you

can invest in music by diversifying your investments across stocks all over the world

. Orkan invests in over 2,500 securities across 47 countries worldwide, including

23 developed countries and 24 emerging countries

. This

index, by simply investing in it, covers the market capitalization of global companies, that is, approximately 85% of the world's most valuable companies.

In other words, by simply buying this one bottle

, you can essentially bring the entirety of global economic growth

into your own pocket

. For that reason, I've actually

chosen Orcan as my main investment. So why do I

trust Orkan?

The reason is Orkan's

criteria for selecting the stocks it includes in its portfolio. Because this is extremely good

. First, they carefully select the countries and regions they control

.

For example, countries with underdeveloped stock markets,

countries with excessively high political risks

, and countries lacking mechanisms to protect investors' money are

excluded from investment targets

. For example, Russia was

previously included, but was

removed from the Orkan following the 2022 Ukraine invasion.

And the second point is that it's a capital-weighted index

. Similar to TOPIX, it has a

mechanism that changes the investment ratio according to the total market capitalization. Currently, the United States accounts for

roughly 65%,

so it makes up the majority

. This is simply because American companies have a

large total market capitalization. Well, for example, it means being able to

fully capitalize on the growth of companies like Apple, Microsoft, and Amazon

. And the third feature is that it

automatically replaces the contents

. Orkan does

n't just invest in the same country or company

indefinitely; it automatically changes its portfolio four times a year, in February, May, August, and November

. Recently, India has been growing rapidly, so we've seen a trend of

actively

hiring companies from there, while conversely, Chinese companies have been performing terribly, so we've seen a

movement to gradually remove them from our ranks

. The reason why this is so

amazing is that, ultimately, the

country that controls the world

changes with the times. For example, while

America is currently the strongest, in 1900

, Britain was number one on Hatsushima Island

. Then, gradually, the

deployment shifted to the United States, but Japan also experienced a period of economic

boom from 1990 to 2000. At that time, the

total value was actually the highest. So now it's

settled down in the US, and as you can see

, times change, so if you

invest in just one country, it will

adjust its contents according to the times

, so you won't have to make decisions like whether you should buy India now

, or whether the proportion of the US is

a little too high

. Moreover, making the wrong investment decisions can

lead to significant losses, but with Orkan, you don't have to

worry about that

. In other words, once you buy it, you can just sit back with a cup of

coffee and wait, and it will automatically

change things in the most efficient way possible. It is because of this [music]

system that many experts

and people knowledgeable about investing say, "If you're unsure

, just buy Orkan," and that is because of this

system.

Yes, next up is the S&P 500. Simply put, this is an

index that allows you to diversify your investments across approximately 500 leading American companies

. Looking at the recent returns, it's

about 13% over 5 years and 15.1% over 10 years.

If you had invested 1 million yen 10 years ago, it would now be

4.07 million yen, which

clearly reflects the strong performance of the US market

. While many people may vaguely know that the S&P

500

invests in the top 500 American companies, I

think there are quite a few who don't really understand what it's all about. So, let's take a closer look

.

First and foremost, its most distinctive feature is that it is designed to effectively capture the growth of the entire American economy

. Actually, the S&P 500 is

not simply an index that selects the top 500 largest American companies.

So how are they selected? They are

selected based on the sector ratios of all American companies.

Simply put, a sector refers to the type of business a company operates in

. For example, Apple and

Microsoft are in the field of information technology. For example,

Amazon sells general consumer goods,

while McDonald's sells food and beverages.

For example, if

information technology companies make

up 30% of all 3,000 American companies, the S&P 500 will similarly include

30% of those companies

. So, what's so

good about this? Simply put, it allows you to

fully capitalize on the growth of industries that are strong in that particular era

. For example, here's a look at the top 10 stocks of the S&P 500. The

left side shows the

ratio as of the end of May 2026, and this side shows the ratio as of 2015

. Currently, AI-related

stocks, as well as IT companies like Apple and

Microsoft, are

strong, and these stocks are performing very well

, creating a system that allows investors to capitalize on their growth

. On the other hand, in 2015,

financial companies were quite strong

. For that reason, the system is structured in such a

way that financial companies are firmly integrated

, and the growth of these financial institutions can also be

incorporated

. In other words, companies in industries that are strong in that era are

firmly incorporated, making it

easier to reap the benefits of their growth

. The second characteristic is that they have strict hiring standards

. There are several criteria for hiring

, but the main ones are that the company has a

large total capitalization, a

large number of shares that are easily traded on the market, and that it has been

generating solid profits recently. These three are its

main features. Specifically, the market capitalization is

over $22.7 billion, which translates to roughly 3.4 trillion yen

. To give you an idea of ​​just how big this is

, it's said that there are only about 70 companies in Japan with a market capitalization of 3.4 trillion yen

. By

focusing on such large companies, high-risk companies like venture companies, which can

grow incredibly fast when things go well but can also go bankrupt when things go badly, are essentially

excluded. However, just because a

company is large doesn't necessarily mean it's

safe, so another

hiring criterion is whether they are consistently generating profits, specifically during the sales period, which is roughly one year

. In short, to put it simply, they are already

generating profits above a certain scale. Well

, that's exactly it. Only the most prestigious companies are carefully selecting [music] talent, as they have good looks, can do sports

, and are good at studying

. However, there is one

point to note about the S&P 500, and that is that there was a

possibility that the inclusion criteria for the S&P 500 could change

. So, I've brought this article from the Nikkei Shimbun as a quote

, and it says that the S&P

500 only selects companies that are in the black,

but there have been

suggestions to make an exception and allow companies that are in the red to be included as well. The reason for this is that

companies with growth potential are often

those that are currently accumulating significant losses while investing heavily in equipment

. However, the S&P 500 only includes profitable companies

, so it has a structure that inherently misses out on the growth of companies that have the potential for growth

. Well, to use a

baseball analogy, the S&P 500 is like the

Giants, where they develop their own players, but rather they

acquire players who have already produced results from other teams, and then the goal is to

achieve a certain level of performance.

Personally, I was against including these loss-making companies, because the

S&P 500 has been able to

consistently achieve a certain level of performance up until now precisely because of these strict inclusion criteria

. In fact, as it says here, they were

soliciting opinions from market participants, and it seems that the decision to postpone

it was made in June.

However, I

think there is still a possibility that the criteria for inclusion in the index may change in the future, so I would like people who are investing in the S&P

500 or have already invested in it to pay

attention to the criteria for inclusion in the index going forward

. Up to this point, we've been

talking about the differences between the Orcan and S&P 500 in music

, and whenever I talk about these things, I'm

always asked which is better, the Orcan or the S&P

500. So

, here's a video that explains the differences between the Orcan and the S&P 500 in

more detail. We've

reached a conclusion here, so please check the description box for more details

.

Next, let's talk about the NA DA100, which has been attracting a lot of attention recently

. The

NASA100 is an index that selects the top 100 companies by market capitalization

among companies listed on the NASA stock exchange in the United States

. The most recent returns are as

follows: 16.9% in 5 years and

20.5% in 10 years. So,

if you had invested 1 million yen 10

years ago, it would have grown to a whopping

6.47 million yen. The

S&P 500 seems rather

cute in comparison; it's growing so fast it's almost exciting

. So, why are the

returns so high? It's simply because this index is a

more specialized version of the S&P 500

. So, I actually lined up the

top 10 stocks from the S&P 500 and the NSDA 100

, and the lineup is exactly the same

. But the composition ratio is different.

So, basically, I'm going to focus my investments more on the indices that the S&P 500 is leading

. One of the defining characteristics of the NASDA 100 is that it

focuses specifically on IT and information technology companies, and does not

invest in financial companies. In

today's world,

these kinds of stocks are experiencing explosive growth, which means that the

NASDA is

growing incredibly fast. And another key

feature of the NASDA100 is that even

companies operating at a loss adopt it

. Well, as I explained earlier when discussing the S&P 500

, the system is designed to capture the

growth of companies that are rapidly growing while accumulating massive losses

. And a prime example of this is

Elon Musk's Tesla

. Tesla was in the red from its IPO

until around 2020. So

, Tesla was selected for NASA100 around

2013, right around here

. Tesla experienced rapid growth from that point onward

, and in the case of NASDA100, we were able to

capture 50 times this growth of Tesla

. However, the S&P 500 does not include companies that are operating at a loss, so it was

around 2021 that it was

included. This means that it could only

capture 15 times Tesla's growth

. Well, after hearing all this

, it seems like the N&P 500 is definitely better than the N&P 500

. You might think this way, and the

returns are certainly very attractive, but the fact is, the

risks are also higher

. For example, I'd like you to look at this: the

recovery period after the decline of NASA100.

NSA100

plummeted by about 80% between 1999 and 2000 due to the IT bubble collapse

. Well, since I've focused specifically on IT and information technology

, I guess that means I've been quite influenced by it

. It

took 15 years and 1 month for him to recover from that

. Therefore, while it's possible to generate sharp returns, the

opposite is also true: the risks are also

higher. This means that

people in their 50s, in particular, need to be very cautious when investing

.

Next up, the fifth one, is the Fang Plus, which is even more extreme than the N-Sud 100

.

Fang Plus is probably getting a lot of attention right now because it gives off the vibe that if you just buy this, you can become a sender

.

The reason is that FangPlus's growth in

the last 5 years [music] was 30.9%, and in the

last 10 years. This backtesting is based on the

assumption that, since Fungus Plus only has 8 years of data, we would have invested for 10 years.

So, if you had invested over the past 10 years, that would be a

34% return

, and if you had invested 1 million yen 10 years ago, it would now be

18.9 million yen—a simple

one-dimensional figure. So, what exactly is this one-dimensional

Fang Plus? Well, it's

this

. FANG is an acronym for Facebook,

Amazon, Netflix, and

Google, with the "

plus" part representing six companies.

Currently, the stock is comprised of these 10 companies: Apple, Microsoft,

Nvidia, Micron,

Palantir, and Broadcom

. Well

, looking at it this way, it seems like a

10-point individual stock index is the best option, and I

personally think that calling this an index is a bit of a stretch. So, to

put it simply, while the US market has roughly

3,000 stocks with a total market capitalization of 97 trillion yen

, FangPlus

accounts for roughly 3,000 trillion yen. So

, the idea is that it would be far more efficient to focus investments solely on these super-major big tech companies in the US market. That's the kind of

indicator it's become

. And another key

feature of the Fan Class is that it's based on an

average of 10 companies, etc. So, the strategy is to

invest 10% equally in each of these 10 companies

.

Looking at it this way, you might think that 10% is a huge difference, but

stock prices are bound to fluctuate, so even if you

invest 10% each time, the number of

companies that grow will increase and the number of companies that fall will decrease

, so the balance will be

disrupted. So, with Ang

Plus, we rebalance it every three months, making sure to bring the balance

back to exactly 10%

. Well,

rebalancing means, for example,

selling off 8.52% of Mike Technology and

shifting the allocation to companies that don't account for 10% of the portfolio

. Now, when you

hear that, it might seem logical,

but actually, that's where the

pitfall of Fang Plus lies. This is because

typical indices

change their investment ratios according to the total capitalization,

so they basically follow the growth of companies that are growing, which is what is

known as a trend-following investment method

. However, in the case of Anglers, they

sell shares in companies where they have a large stake and invest in companies where they have a small stake. This means they

sell shares in growing companies and buy shares in companies that are not growing,

so it's like switching from riding the winning horse

to riding the losing horse, which is what's known as a

contrarian investment strategy

. This is

n't necessarily a bad thing, but beginners need to be very careful

. In the world of investing, you often hear the saying, "Don't pick up a falling knife." There

's a reason why stocks are falling, so

unless there's a reason for them to go up, there's no reason to buy them

. However, in

the case of Fang Plus, there's a rule to replace them in 10% increments,

so we're just mechanically

replacing them. Of course, if it

rebounds afterward, it might yield a large return,

but if it continues to

sink

, the money invested will be at considerable risk, and the

losses could also

become substantial

. In other words, I was

aiming to be a sender, but before I

knew it, I had left the market and I was just a sender, so I want you to keep in mind that

Fang Plus is something where you can become someone who sends things off to everyone

.

Well, there are five things to be careful about when investing in your 50s

, and I've explained them all in this past video,

so please check it out as well by clicking the

link in the description box. I

think it will significantly reduce the possibility of losing your assets through investing, so

please be sure to check it out

. So far

, I've

explained the characteristics of each index, but from here on, I'd like to

explain in detail which one you should choose based on your own conditions, by comparing them with actual numbers and considering future returns, risks, and so on

. So, here, I've

listed the metrics you should know and want to know about for the five points I've just explained

. So, looking at it this way, well,

Fang Plus's return is outstanding, and when you look at this

comparison, you can't help but think that

Fang Plus is the

better option, or if Fang

Plus is a bit risky, then

100 might be better, and I think you can see why this one looks so

attractive, but having

said that,

Japanese stocks have also performed quite well in recent years, and we tend to look at

returns like this,

but what we must never forget here is that

past returns do

not guarantee future returns. Well

, in other words, just because something has increased significantly in the past 10 years does

n't mean it will increase significantly again in the next 10 years.

So, especially for people in their 50s with limited investment time, I would advise against

choosing products based solely on returns

. In other words, when investing in your 50s, you need to

consider not only how much your money will increase, but also how much it could decrease in the worst-case scenario

. At that point,

risk becomes a crucial factor. When you

hear the word "risk," you might have an image of something dangerous or losing money,

but in the context of investing, "

disk" refers to the price fluctuation range of the product

. For example,

high-risk products mean that you might make a lot of money

, or you might lose a lot of money

. However, that doesn't mean that the

lower the risk, the better.

For example, bank deposits have virtually

no risk, but

even if you invest in such products, they don't

grow at all. So, what's

ideal is something that moves slowly but steadily

, and increases reliably, like the one on the

left here

. And the worst-case scenario is when the price fluctuates

wildly, but in the end, your investment doesn't increase

. Well, in this case, I'm talking about the one on the right

. Well, let's try not to choose this kind of

music. Therefore, the

important thing is to choose products that offer a fair return on the risks you take

. So, how do you choose an efficient product? This is where the

non-lower mean return per unit of risk

indicator comes in handy. Well, it's a bit of a

technical term, but you don't really need to

remember the name. This is an indicator of how

cost-effectively you were able to get a return on the risk you took. The

higher this number, the better the cost-effectiveness of the product

. It's easy to understand

, isn't it? I've rearranged it a bit to get this table

, and the result is that the S

&P 500 offered the best value for money during this period

. Well, I suppose one reason for this is that

US stocks have been strong recently

, and the fact that KopiX is also

doing quite well is that Japanese stocks have been

strong recently

. As for Dolcan

, it inevitably includes new advertising, and the

growth in that area was poor, so the

return on the risks taken was not really what we hoped for

. So

, what's ultimately important is to

invest in indices that are growing in that era, tailored to your investment period and other conditions. That's the

key point here.

Next,

using the past data we discussed earlier, I'd like to simulate which products to bet on in the future will offer the best

expected returns and

lower risks

. Here are the results, which are quite interesting

. To briefly explain how to interpret this

, first of all, the premise we are

using is the return and risk data from the past 30 years

. The reason we chose 30 years is that we wanted to

include past crashes such as the IT bubble collapse and the Lehman Shock. In other words, we wanted to include the risks of such crashes, not just the good times

,

so we chose 30 years. Therefore, we have

excluded Fang Plus, which does not have 30 years' worth of data

. So, we input the returns and risks for the past 30 years

into a computer and

simulate 10,000 possible future scenarios.

In other words, it involves 10,000 simulations,

so we simulate things like the range of price fluctuations and

how many times out of 10,000 the probability of the principal being returned

. The first thing I want you to notice is the central area of ​​this model

. The median is the

indicator that represents the highest probability and middle position among all possible combinations. If you invest in any of these stocks over

this 10-year investment period, the

median return will be

positive. This shows that in this day and

age, it's quite important to invest in things like stocks rather than just saving money

. Looking at the actual figures, Copics yielded a

profit of 180,000 yen, Orkan yielded a profit of

1,400,000 yen, S&D P500 yielded a profit of

1,870,000 yen, and NASDA 100 yielded a profit of

2,260,000 yen. Next, I'd like you to look at the

vertical fluctuation range of this resistance graph

. This range of fluctuation indicates a case where the lower side was in

particularly bad condition. In the worst-case scenario, this would mean that

this particular combination occurred 500 times with a probability of approximately 5%

. And this upper part

represents the top 5% of results from when things were exceptionally good. For example, in the

case of Topics, the range of fluctuation could be as low as

-260,000 yen in the worst-case scenario

. However, at its best, it reached a profit of

830,000 yen

. The same applies to Orkan. For leftists, the loss is

-310,000 yen. Up to 4 million yen in profit. With the S&

P 500, there was no loss of principal, with a

maximum loss of 4.72 million yen

. In the worst-case scenario, the N role could result in a loss of 540,000 yen. The maximum price is

7.62 million yen, which explains this price range

. This one is the largest. And

here's the most important point: if you

only look at the returns, you'll naturally want to choose the Nasda 100, but

that -540,000 yen loss is the

probability that it's the biggest loser among these four stocks. If

Fang Plus had been included here, the

fluctuation range would have been considerably larger, so I

think it's possible that in the worst-case scenario, we could have seen figures like -1 million or -2 million. Looking at the actual probability of losing principal, it is

19.49% for OPIX

, 6.85% for Orkan, 0% for S&P50

, and 7.23% for N-role. However, what I want you to be

aware of here is that from here on, it's not impossible that the

100% peak could fall below the principal amount

[music]

. In short, what we've learned from this prediction is that the

most efficient way to increase your assets is to choose a self-capitalization-weighted index that invests in the strong countries of the time while also investing in the overall economy

. So, I've

summarized everything we've covered so far in a flowchart, and I hope you'll be able to

easily choose the perfect one for you

. The first thing to

consider is whether to focus on one country and choose a

single investment strategy that will allow you to grow your assets more efficiently

. In other words, based on this

data, you're going to choose something like the S&P 500

. For example, if you decide to

invest in the United States, the

S&P 500 is a good choice, and if you decide to invest in Japan,

choosing CopiX will

generally allow for quite

efficient investment management as long as those countries continue to grow.

However, if you are willing to take on risks and aim for high returns, then,

for example, in the

United States, you might be able to

achieve efficient returns while also aiming for high returns by choosing specialized indices such as the NASDAQ or FANG+

. On the other hand, if you feel

unsure about narrowing your choice down to just one country in response to the first question,

or if you can't predict which country will grow, then it's perfectly

fine to simply choose Orkan. Orkan is a

method that distributes investments globally using a capitalization-weighted average. Therefore,

rather than focusing on one particular country, it is

designed to diversify into countries and regions that are strong at any given time, and to capture their growth. So, if the US becomes

stronger, the US share will increase, and if

Japan becomes stronger, the Japanese share will increase. If you want to avoid big misses

, this is the option for you

. So

, basically, you can just

choose from the flowchart I showed you earlier

, but if you can see from the beginning what might happen in the worst-case scenario with each stock you choose, or

how much you might increase if things go well, I

think it will give you a sense of security and make it easier to choose. So,

here are your ages and your

target amount. If you enter the target amount you want to achieve, the

age at which you want to achieve that amount, and the return

and risk figures for each product, it will tell you the

age at which you can actually achieve your goal. In the best-case

scenario, it might say you can achieve it very quickly with [music],

or in the worst-case scenario, it might say you won't be able to

achieve your target amount at all

. Also, regarding the price fluctuations

, I have a future prediction simulator that automatically calculates them in one minute,

so I'd like to

give this to everyone for free

. I can promise that by visualizing your future, you will be able to take that crucial first

step without hesitation and without making mistakes

. However, there

is a limit to the number of copies that can be distributed through the system, so once

that limit is reached, distribution will end.

Therefore, please be sure to get it now by

tapping the link at the top of the description box, or by

scanning this QR code

. If you can

thoroughly understand the contents of each product and then confidently

choose one without hesitation, your asset building will be

99% perfect. The remaining point is simply making

a promise to yourself to confidently believe in the product and continue to hold onto it. If you can

keep this promise, then it will be perfect. I've been

investing for 10 years now, and

honestly, at first I was just going along with

whatever people recommended, like "this one seems good" or "that one seems good," and I ended up

buying things without much thought. And to be

honest, I've actually lost about 1 million yen in the form of valuations. Well

, at that time, I was still in my twenties

, so I think it was a good learning experience.

However, having

accumulated so many embarrassing failures and regrets, I've come to deeply realize that when it comes to

investing, it's

much more important to avoid big losses than to try to hit the jackpot

. Ultimately, I think the reason everyone wants to work hard to build wealth is to

have time to spend peacefully with their loved ones, to

go on trips, and to live their lives in a way that is true to themselves and without worry

. So, increasing your money and building assets are

means to fulfill your goals and dreams, and

I want to continue to provide useful information to help you achieve your dreams and goals, even if only a

little. If even

one person who watched this video today feels confident enough to take a step forward, nothing would make me

happier. I would be very

happy if you could share in the comments the one product you chose, or the reasons why you actually buy a particular product. I

think it would also be helpful for others, so please feel free to write in the comments

.

Furthermore, when building assets from your 50s onward, it's

not just about choosing the right products; exit strategies are also crucial, such as how to receive your pension

or how to

draw down the assets you've accumulated through NIS or other investments

. We are currently holding a limited-time online study session on "5 Steps to Steadily Preparing for Retirement Funds from Your 50s," which explains the entire process of

building assets from start to finish in one

2-hour session.

Please

check it out via the link in the description box

. However, this is a

limited-time offer and may end without notice, so be

sure to check it out while it's still available

. This channel's concept is "The

NIS Textbook for People in Their 50s," and we will continue to

deliver information on how to build wealth without making mistakes, specifically tailored for people in their 50s

. If you found today's video helpful in any way,

please give it a thumbs up and

subscribe to the channel.

Thank you for watching until the very end today

. See you in the next video!