Little Money will Change Your Life

英訳

Good evening. Buffett Imai is here.

As you know, I invest in stock in America.

Why?

Because I think it’s the best way to increase my fortune.

And because I believe another thing more than that.

It is ‘compound interest’.

99 percent of people don’t understand about it well.

Even I, who has experience of working at a finance company, know only a few people who take advantage of this ‘compound interest’ when they invest in stock.

People in this country, or all over the world, are luck of the idea of compound interest.

I guess the gap between the rich and the others will not get smaller.

But don’t worry about it.

It’s not impossible for us to make our fortune with compound interest.

Save one million yen and invest it in stock. 10 percent per a year.

For example, let us imagine that you save one million yen every year.

The target stocks yield is 10 percent.

The profit of the first year will be 100,000 yen while you study about stocks and make an account for it.

You may think “That’s it? Only 100,000 yen? It doesn’t worth making such effort.”

 

But it’s not true.

This 100,000 yen will change your future, your life.

In ten years, that will be 1.85 million yen.

 Imagine that you saved 1 million yen every year.

In 2nd year, your profit will be 2 million yen and in 3rd year it will be 3 million yen.

You can also obtain a yield of 10 percent and the “10% of profit” become profit of the next year, and your profit increase more and more every year.
If you continue this, your asset will be “18,530,000 yen” in ten years.

In other words the profit you receive 11 years later will be 1,850,000 yen (10% of 18,530,000 yen).
On the other hand, if you don’t do anything at all, your profit will be nothing.
The gap will be bigger and bigger.

What if you simply save money for 30 years…?

“I don’t want to take a risk”

“I’m afraid”

“Simply saving money is the best”

 

What’s going to happen to these people?

If you invest as I told you before, your assets will be 180 million yen.

You are rich.

 

There are many stocks you can get 4 percent of profit. So it means, every year, 7,200,000 yen will come to you with doing nothing. 

Just imagine that you get 7,200,000 yen without working.

You don’t have to work for getting money anymore.

This could happen if you start investment.

 

On the other hand, those who simply save money for 30 years, their assets will be 30 million yen.

That’s great. A bunch of money.

But 30 million yen is not enough for you to live when you get old. And even if you started investment then, the return of the investment is limited. (I don’t think those who never tried investment for 30 years would be interested in it after all though) It won’t change your life.

 

You would be still working to get money and count on pension to live.

Inflation will go on climbing because government are trying to improve it

When inflation go on climbing, prices go up.

It means the value of your 30 million yen will be smaller.

“The greatest hazard in life is to risk nothing.”

 The situation like this sating could be happened.

 

Don’t think like “I don’t try because anyone does.”

What’s important is to think about ‘what you want to be’ and ‘if you want to invest for it.’

 

Don’t worry about making mistakes at first.

To risk is to make mistakes.

You don’t need to worry about the loss of 300,000 or 500,000.

 

Later in your life, when you have more assets, more money will move.

So, you need to be able to think like “I don’t care about this amount of money, I can get it back soon.”

If you lost money, you work even harder and save more money and invest.

I think like “I’m going to get extra 300,000 yen as I lost it.”

I believe this is how you get the way how rich people think.

I will keep on investing.

My first target is 10 million yen.

And I will have 1 billion yen of asset by the age of 43.

And I want to do something good for the world with the money someday.

Investing is interesting.

If you are interested in it, why don’t you try it? You can start by investing a little money.

 

以前書いた今井バフェットさんの10%が起こす奇跡「10万円で人生は変わる」という記事の英訳バージョンです。

今回ココナラというサービスで訳して頂きました。たまには英語で記事を見るのも新鮮ですね。実験的な取り組みでした。

では、次回の記事もお楽しみに。

 

今井バフェット

今井バフェットアメリカ株長期投資家

投稿者プロフィール

アメリカ株に長期投資をしている33歳。

節約をして限界まで可処分所得を減らし、種銭をつくり、アメリカ株を買い増している。
年間300万円の貯金で年利8%の運用が目標。

投資スタイルはバイ・アンド・ホールド。一度買ったらずーっと売らないつもり。
目標資産、まずは1,000万円!

46歳で資産1億円をめざす。

近視眼的な投資では理性を失い、結果としてお金と時間を失う
(ウォーレン・バフェット)

■投資履歴
2015年5月スタート

毎月10万円を目標に資産を入れていく予定。
評価損は気にせず長期で投資していきます

今までに投資をした総額金額。
2015年
5月:1,300,000円
6月:2,500,000円
7月:2,600,000円
8月:2,700,000円
9月:2,800,000円
10月:4,350,000円
12月:4,900,000円
2016年
1月:5,300,000円
2月:5,550,000円
4月:5,700,000円
5月:6,050,000円
6月:6,150,000円
7月:6,400,000円
9月:6,500,000円
10月:6,800,000円
11月:7,250,000円
2017年
2月:8,500,000円
7月:9,100,000円

現在の保有銘柄(2017年6月)
■エルブランズ(LB) 489株 約2,500,000円
■メーシーズ(M) 810株 約2,000,000円

アメリカ株分析はこちら
日本株分析はこちら

1億円を貯めるまでのお話はこちら

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今井バフェット氏が、本当に買うべき日本株・買ってはいけない日本株を分析しています。

詳細は「2017年、日本株の株価分析一覧」ご覧下さい。

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