Investment Methods for Those Who Don't Want to Fail

 [Investment Methods for Those Who Don't Want to Fail]

"Investment methods for those who don't want to fail" is a challenge that many people can relate to.

In conclusion, while there are "investments that are less likely to fail," there is no such thing as an "investment that will absolutely not fail."

However, there are ways to steadily increase your assets while minimizing risk. The following explains this in a step-by-step format.

🌱 1. First, adopt a "defensive stance"

The purpose of investment includes not only "increasing assets" but also "protecting assets."

Investors who are less likely to fail prioritize **"not losing money."**

Key Points:

Do not invest with borrowed money (do not use leverage)

Do not try to make quick profits

Only invest "surplus funds"

📚 2. Gain Knowledge

The golden rule is "don't invest in what you don't understand."

First, understand the following three things:

Compound interest (the mechanism by which money grows over the long term)

Diversification (reducing risk by dividing investments across multiple assets)

Inflation (the risk of the value of money decreasing)

💰 3. "Low-Risk Investment Options" for Beginners

✅ ① Global Stock Index Funds (e.g., eMAXIS Slim Global Stock Index Fund)

Diversifies across stocks worldwide with a single fund

Captures the overall growth of the economy

Requires a long-term (10+ years) holding period

✅ ② Utilize Tsumitate NISA and iDeCo

Tax-free investment and low fees

Government-provided "beginner-friendly systems"

Automatic contributions reduce the influence of emotions

✅ ③ High-rated bonds and government bonds

Lower returns, but less risk of losing principal

Combine with stocks to increase stability

⚖️ 4. Leverage Diversification and Time

Maintain a balanced portfolio of stocks, bonds, and cash

Buy a little bit each month (dollar-cost averaging)

Think with a long-term perspective of 10 years or more

🧘‍♂️ 5. Don't Act on Emotion

Selling or buying based on emotions like "I'm afraid of a market crash" or "it might go up even more" will lead to failure.

It's important to set rules and continue mechanically and consistently. 🧩 6. Step Up When You Have More Resources

Once you're comfortable, you can consider the following:

ETFs (Exchange Traded Funds)

Real estate crowdfunding

High-dividend stock investing

🚫 Common Mistakes

Failure Pattern Example

Trying to get rich quick Investing all your money in cryptocurrencies or emerging stocks

Being swayed by other people's information Believing "This will make you money!" on social media

Emotionally buying and selling based on market fluctuations Selling when the price drops and locking in losses

✅ Summary: 3 Principles for "Avoiding Failure"

Let time work in your favor (long-term investment)

Diversify to reduce risk

Don't act on emotion