Talking about money and health: Even the experts are surprised? What these three graphs tell us
Hello, I'm John! I'm here to help you solve your money and health questions in a gentle way. Today, I'd like to share some interesting data that made me say "Wow!" when I saw it. I'm sure you'll be surprised and say, "Wow, that's how it is." This is especially important for those of you who are thinking about money and your future. There's nothing difficult about it! Just relax and read it.
1. When do you start saving for retirement? The magic of "little by little"!
The first surprise was that people were thinking about money for retirement, i.e.Retirement fundsWhen you hear "I have to save money for my retirement," do you imagine a huge amount of money that makes you dizzy? You might be worried that you can't save that much every month.
However, if you look at a certain graph, you may be able to ease your worries a little.When and how much should I start saving and how much will it amount to in the future?The most surprising thing about this graph is thatThe power of starting early!
For example, if you start saving small amounts every month in your 20s, you may end up receiving a larger amount than if you start saving large amounts in your 40s.Compound interest" This is thanks to the magic of money generating more money. Interest also earns interest, so money grows like a snowball.
- point: 5,000 yen or 1 yen per month is fine! The important thing is to start "early" and continue "for a long time."
- advice: "NISA"Or"iDeCo" These are systems to support savings and investments that can help you save a little on taxes.
Instead of thinking, "Maybe it's too early for me," why not start with a small step for your future self?
2. Are you only looking at Japanese stocks? The hidden power of "global stocks"!
The next thing that surprised me was the story about stocks.Stock investmentWhen you hear the term, some people may have a scary image of it. Stock investment means supporting the growth of a company in exchange for owning a portion of that company (stocks). If the company does well, the value of the stock increases and you receive a reward (dividends).
Well, investing in Japanese companies is fine, but if you actually look at "global companies," you might find something even more interesting. One graph compares the performance of the Japanese stock market over the past few decades with the performance of stock markets in the United States and other countries (around the world). Looking at this,For a surprisingly long period of time, overseas stock markets have grown much faster than the Japanese market.There is a time!
Of course, no one knows what the future holds. But if you're thinking about starting to invest, instead of focusing only on Japanese companies, it might be a good idea to look around the world. Investing in stocks from various countries little by little is called "Diversification of investmentThis is the same idea as not putting all your eggs in one basket. If you drop one basket, the eggs in the other baskets will still be safe, right?
- point: There are many growing companies in the world! Let's look outside of Japan.
- advice: For beginners, there is a set of stocks from various countries called "Investment trust"Or"ETF(It's like a stock assortment pack) is recommended. With this, you can easily start international diversified investment with a small amount of money.
The world is big, so opportunities are everywhere!
3. What is AI and how does it relate to our lives and money?
The last surprise is a phrase I've been hearing a lot lately:AI",In other words"Artificial Intelligence" Artificial intelligence is a computer program that can learn and make decisions just like a human being. It is also used in cleaning robots and voice assistants on smartphones.
You may be thinking, "I know AI is great, but what does it have to do with our money?" In fact, it has a huge impact! Looking at some data,The speed at which AI technology is evolving and its potential to transform various industries (especially finance and healthcare)I am amazed.
For example, new services using AI may emerge one after another, changing the way we work and make money. Perhaps AI-related companies will grow significantly in the future, and their stocks may attract attention. However, while there are high expectations for new technologies, there are also many unknowns (risks).
- point: AI may change the way we live and work faster than we think.
- advice: While AI-related investments can bring big returns, they can also experience volatile price fluctuations. If you're interested, it's important to start with a small investment and think about it from a long-term perspective. It's also interesting to just keep an eye on the news to see how AI will change the world.
AI is a complex technology, but there is no doubt that it will play a major role in our future. Learning new information, even if only little by little, may help us adapt to changes more easily.
A word from the author, John
Wow, data is really interesting! In particular, I was reminded of the importance of starting early and the potential of looking at the world. The evolution of AI is also exciting, a little thrilling, and a mysterious feeling. I hope today's talk will inspire you to start something new!
This article is based on the following original articles and is summarized from the author's perspective:
3 Charts That Will Surprise You