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Planning a fulfilling second life

完全元本保証のプランで、全く安心

Ideal for eliminating retirement anxiety

Introducing the Personal Pension Guarantee Plan!!!

There are many anxieties surrounding the second life of people, such as the financial crisis, prolonged ultra-low interest rates, and worries about unreliable public pensions. As the birthrate declines and the population ages, people can no longer rely on public pensions for post-retirement money as they have in the past. In order to live a long life with comfort, it has become extremely important to increase your own money and manage your assets.

If you invest in something with extremely low interest rates, such as a fixed term deposit, you will not be able to secure enough funds for your retirement.

It is becoming essential to actively manage investments in stocks and investment trusts with high growth potential, and to diversify investments not only domestically but also overseas.

As baby boomers are retiring one after another, our biggest concern is whether we will have enough money to last through our longer life expectancies. Recently, gasoline and food prices have risen, and inflation has been gradually increasing. With an inflation rate of 4%, $1,000 today will only be worth $456 in 20 years. It is necessary to prepare for this with inflation-resistant asset management.

Can fixed term deposits be enough to make a profit?

カナダでも日本でも、多くの人たちは、GIC(定期預金)、債券等の確定利回り物で運用しています。それらは、元本保証はしてくれますが、非常に低い利子しかくれず、しかも、一番高い税率が適用されます。

従って、預貯金では元本保証とは言っても、インフレと税金に食われてしまい、老後に必要な十分な資産を増やすどころか、目減りさえしてしまいます。

そこで、成長性の高い株、投資信託での運用が考えられます。それらは、元本保証はないかわりに、非常に高い値上がり益を上げる可能性もあり、大きな収益が期待できる一方で、マーケットの情勢に左右されるという”リスク“も加わります。しかも、最近の金融危機では、せっかく貯めた資産も激減する危険性さえあります。

寿命がのび、退職後の期間が延びて、長生きするのはいいけれど、老後資金が続くかどうかの不安が出てきます。

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