FX Senshi Kurumi-chan - Vol. 2 Ch. 8
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Dex-chan lover
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People who tends to gaslighting should not be your friends ever. It's like making friends with a snake
Dex-chan lover
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This is like drugs at this point, just a lost cause that will go back to their old self again (and maybe lose everything).
Dex-chan lover
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Can't possibly go tits up
Dex-chan lover
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Lil lady, you have more than enough money to invest in some high quality, high growth/yield bonds. You do not need to gamble for money and you could make a good wage without any extra effort. Take the win! TAKE THE WIN!
DON'T GET NTRD BY THE MARKET!
DON'T GET NTRD BY THE MARKET!
Group Leader
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If you think 2 million yen is enough money then you ain't gonna make it, friend.
you need 100x that at least.
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I disagree. Bear with me and my math but:
On Average a typical job in Japan produces 53K (USD) a year, or a little over 7 million Yen. Now let's say 30% of her income was saved for investing. That's two million one hundred thousand per year to invest.
If she's investing every penny into a bond or stock that delivers AT LEAST 2 percent yield that's forty-two thousand USD or 5 million yen a year. Not much...
Unless....we remember two things.
1. Bonds and stocks with 2 percent yields do exist and many pay monthly (I don't know how many are Japanese, but she has an overseas account so it's not too much of an issue).
2. The average cost of living in Japan is estimated to be around 590K yen a month... FOR A FAMILY OF FOUR.
Meaning: If she were to simply invest in a safe, healthy stock or bond that paid a monthly dividend, with a 2 percent yield.... she'd be able to live a comfortable life in a few years with some basic savings. Would she be rich? No, but she'd be stable. This is not accounting for DRIPs or continual savings, but such things would only further help her.
The only thing I'd be worried about for her is taxes but even so, she could withstand about.....a max of 30% taxation (don't think the rate is that high but idk).
So yeah, she'd totally be fine if she thought it through. However like the "friend" of hers said, she's greedy and that greed will likely be her undoing.
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What kind of magical math is that?
Also 2% yield is piss low imagine being satisfied with that.
Bonds and dividend stocks work great only if you're already mega rich, where sub 10% yearly return is a lot because of nominally huge initial investment.
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1. 30 percent of 7 million is two million one hundred thousand. That's not magical math, that's basic percentiles.
2. That's two million one hundred thousand YEN. That's not as much as you seem to think it is, that's 15K USD. Most jobs earn a couple million yen a year.
3. I picked the 2% yield specifically because it was so low. It's meant to illustrate how far ahead she is.
4. She lives in Japan. Historically it's far cheaper to survive therein than places like America or Europe. She doesn't need as much as a westerner does because her national cost of living is lower, add onto this that there are even cheaper places to live IN Japan than, say, Tokyo which is one of the more expensive cities.
5. 2-4 percent yield is considered safe. Anything higher is generally unstable and potentially unsustainable unless it's something like a dividend aristocrat. Remember that the point of the scenario was that she could live a peaceful life with what she has. A simple 2% yield monthly stock/bond would supply her fine.
Western countries need massive amounts of cash to make use of dividends and bonds because they're on the same financial level, places with lower costs of living do not. For example, monthly payout of 40 bucks for a US westerner is 51K for a South Korean. For the westerner that's peanuts, for the south Korean that's half of the month's expenses dealt with.
It's fine and she's fine.
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Group Leader
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You typed a lot but said nothing
"a simple 2% yield MONTHLY" so 24% yield yearly? lol
Ok let's just say this magical bond with magical yield actually exist in your magical wonderland version of Japan.
How is 2.1 Mil x 2% yield monthly = 5 Mil yen a year? Read your own post. I even Bolded them for you. Your math doesn't make any sense
Also 2.1 mil yen is nothing. She isn't "far ahead" of anyone. Your post reeks someone who still has their living expenses paid by their parents.
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Oh....Oh I'm gonna have fun with this one. Imma throw some Imgur gifs in here and we're gonna have a blast.
Point Number 1:
Yields are calculated yearly, not monthly.
"Yield is the income returned on an investment, such as the interest received from holding a security. The yield is usually expressed as an annual percentage rate based on the investment's cost, current market value, or face value." - Investopedia I.E. the most basic place to learn anything about the market.
Even on monthly bonds/stocks, YIELD is generally considered and calculated by it's YEARLY outcome.
Did you spend all this time thinking she was getting 2 percent back per month?
If she was getting 2 PERCENT per month she'd be rich, and I explicitly said she wouldn't be.
BRO DID YOU REALLY THINK MONTHLY STOCKS AND BONDS PAID THEIR YIELDS MONTHLY!?
bro
"The dividend yield is calculated using the annual yield (every regular payout paid that year). It is not calculated by using quarterly, semi annual or monthly payouts"- dividend.com
POINT 2.
A bond/stock that pays you every month is common. In fact, let's pick the one literally titled "Income"
Realty INCOME Corporation. Pay monthly dividends every month and it has a 4 percent Yield.
Let me try to explain this again, this time will use Realty as a baseline because they're pretty expensive all things considered and will prove my point further. Alright? I'm really gonna dumb it down for you.
Realty Income Corp is currently at 66.08 per share. Their next payment will be 25 cents per share. With the basic 15K (USD) that she could invest, she could get about 200 shares. That's fifty dollars a month. If she were to continue yearly, as I said, in 5 years she'd make 250 USD a month, or a little over 33K Yen.
33K Per month means she's getting 300K a year in dividends. We're not gonna take Yield into account because you got a little turned around last time. OK, baby? Alright.
Keep in mind that Realty Income Corp is a dividend aristocrat, meaning they have not failed to increase their pay per share in at least 25 years and have not paid less even once. What does that mean? That means every year she is essentially doubling her income simply by holding those shares. What was 250 a month becomes 260, then 270, 280, 290, 300 and so on every year.
She's single (and likely will be for some time to come). As a single person her cost of living goes down from 590K yen (The expense for a family of four) to 120K per month. 120K minus 33K comes out to 88K in expenses left. That is not small. That's what, a 25-26 percent decrease in monthly living expenses? From a comparatively expensive stock, cutting your monthly requirements by 25 percent is not a small thing. Cheaper stocks and bonds do exist, but that's what you get on 15K yearly...or....2.1 MILLION YEN.
This is assuming she doesn't even have a DRIP (Dividend Reinvestment Plan) or a broker that does Fractional Shares and simply stops after five years and never increased how much she put in. These factors would change these number significantly and we don't wanna confuse you any more.
Point 3.
I'm sorry, what? 15K is nothing? That's significant money. Most people would murder you over that. What world do you in where that's nothing? Ohh...Ohh I got it. You think 15K is 1,500...don't you? No, bro. 15K is 15,000. Fifteen THOUSAND dollars.... That's huge. Not a worker in America or Europe looks at 15K and says "Man, that's nothing."
You...you don't have any grasp on money, do you? Like I've never met a man who says 15K is nothing, and I've talked with millionaires (let's just say they frequent my area of life for "certain" reasons). I ask one of them for 15K they'd look at me, laugh and say "You got jokes" and then immediately ask how I'll make it back for them.
Your lack of monetary comprehension aside, that's not meant to be livable wage. That's investment money. A low pick of investment money if I can be so bold. 30% of her income if she were to work an average job. I mean I don't know how I can say it any other way.... The amount you invest isn't meant to break your bank, my brother....what are you on? Have you ever made money on stocks before? Talked to a financial advisor? Taken basic financial literacy courses? My man, come on now...
.....
Jokes aside, it is honestly hilarious that the dude who thinks he knows financing comes out here saying I smell like my parents money. meanwhile he spent the entire conversation thinking a Monthly, 2 percent Yield stock paid 24 Yield a year. And then had the courage to say 15 THOUSAND dollars, was nothing.
You sound like a child and it is very clear that you have no clue what you're even talking about. Take your broke, tired wall streets bets ass out of here and go read a book. Yes, it can have pictures, I know you struggle, and don't come back till you got some financial literacy.
Edit: You know I wanted to make something clear before I left this as is.
So I did some calculations, all the real nasty and tough stuff that you have a hard time with. OK?
So I took Realty Income and used them for this.
With a 15,000 annual contribution (buying more stocks), with a DRIP account, with an increase in share appreciation of 3 percent per year (conservative number), a 3.5% tax, then after 25 years (this is the minimum you're supposed to hold your stocks/bonds) she would have a yearly dividend income of.... $38,275.27 USD...OR 5,153,497.18 YEN. Amazing what you could do with some basic money skills.
Good thing she's also young and can afford such a time luxury, being ahead of her seniors and all....Alright I've had my fun. Toodles.
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Group Leader
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another wall of text of nothing 🥴
No shit. but you were the who literally said it was 2% monthly. re-read your own post.
yes
Ok. now help me find this "after 25 years" in your initial post.
sheesh re-read your own post first before posting a huge wall of pointless argument, smartass
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Another point of you lacking reading comprehension.
You mean "A simple 2% yield monthly stock/bond would supply her fine." that? You're literally trying to say...your idea came from...a missing comma? lol my dude...please...
If you knew anything about stocks and bonds then you know damn well aint no stock giving two percent per month and you should've had the basic reasoning to understand I knew that as well. You made a weird assumption without any attempt to clarify, and then you put that on me only to learn it wasn't as you assumed (supposedly). So if you take that as "24 yield a year from a 2 percent yield stock," that's your lack of familiarity with the situation or scenario. That's on your ability to use reason and logic. If your word is missing a letter I'm nt gonna assume you intentionally said "NT" and didn't mean "NOT" because I have a familiarity with english.
Likewise any familiarity you have with a subject would lead you to either enquire or use basic comprehension to understand the meaning. Nothing changed, you're still the one at fault.
Spoken like someone who has never had a job.
It wasn't in the initial post because I wasn't referring to Realty Income then lol. Don't compare two completely different sets of calculations asking how you can get from one to the other. One was made using a fictitious scenario the other was using a realistic one. I also shouldn't have to tell you that 25 years is a minimum to hold a bond or stock for long-term gains. YOU should already know that.
"A long-term investor has a minimum of a 20-year time horizon; this time frame enables them to avoid playing it safe and to instead take measured risks, which can ultimately pay off in the long run." - Investopedia, AGAIN. This site is literally made for beginning investors. You should already know this stuff, even if you always intended to be something like a scalper.
The more you talk on this subject, the more it makes me question if you've ever actually studied the market. I don't mean dabbled in it, I mean studied it. Learned about what it takes to be a trader in both short and long-term situations. Learning measured risks and financial analytics. That's what I question....if you ever actually cared beyond a basic Robinhood account.
sheesh re-read your own post first before posting a huge wall of pointless argument, smartass
This is a nice attempt to save face, but this still all comes back to you lacking the ability to comprehend how certain things in the financial market work. You wanna keep going though then feel free.
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You really need to re-read your own post. The first one. Carefully this time. Word by word. Before shitting on others for interpreting it like how you wrote it, clown.
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You really need to re-read your own post. The first one. Carefully this time. Word by word. Before shitting on others for interpreting it like how you wrote it, clown.
Translation:
Conversations are a two way street, bud. Don't pass your failing onto others.
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You wrote an incoherent posts, got questioned/called out for it, and you retaliated by posting literal thousand words essays of making excuses and adding new information that you didn't provide in your initial post.
I don't know what else to say besides re-read your own post and post a coherent post next time.
Here. I'll help you quote and break down some of questionable lines from your initial post
Here's what was on my mind: "Invest 2.1 mil a year... to get a return of 5 million a year. how?"
Then you followed up with these points
Brah, how am I supposed to know you were talking about investing for 25 years?
Whose arbitrary rule is that? why do you assume everyone has the same perspective on how long is long-term investing? also you didn't say anything about long-term investing in your initial post. You simply said "invest 2.1mil a year with 2% yield, get 5 mil a year". that's it. Don't just assume that everyone would know every detail of extra information that you didn't even convey.
Here's another point where the interpretation went wild
You wrote "2% yield monthly". I assumed you were saying that Kurumi could be earning 2% return every month from a dividend stock/bond from the way you wrote it, which doesn't make any sense. It would've been way clearer if the sentence was "A simple 2% yield stock/bond that pays monthly dividend/coupon payment".
You don't need to reply. Just re-read your initial post and think really hard why someone could misunderstood/misinterpreted that.
Holy fuck I hate wall of text and I'm writing it. ironic huh.
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A theoretical situation where she one, it was actually very coherent.
According to you, you assumed something based on a missing comma. That's not the content of the post, that's you.
It's called clarification because you clearly were confused. The intent was to make you understand because you seemed not have a clue what I was talking about. I then created a secondary situation based on a real company because I assumed that would be much easier for you to comprehend.
You can say that "I steambedbuninvasion will take responsibility for my actions" next time you think a comma is the main factor.
Please do.
We're talking about long term investing. I talked about several years of saving, bonds/stocks you should've known the kind of style of investing I was talking about because dividends and stocks DO take long periods of time to work.
Because the stock market isn't Youtube. You don't get to do your own thing and be special, everyone has a category and style of trading/investing based on what exists and what is mathematically feasible for the most possible gains. Long Term investing always assume LONG periods of time since Investing, in and of itself, is a long haul form of dealing with the market.
You're arguing with me on the stock market, thinking I'm calling a 2 percent yield bond/stock a 24 Yield and insulting me for it (again, according to you, based on a comma). I have the right to assume you have a basic knowledge of investing and trading and that you can comprehend when someone is clearly referring to long term investing.
It was fine the way it was. When you came to that part, you didn't ask me to clarify anything, you didn't use what knowledge I assume you have of the market to come to an understanding, you didn't ask for more information on the hypothetical situation, you didn't ask for the numbers I was using in my head, you didn't ask for the growth or appreciation etc. You should have, but you didn't.
You assumed something.
When we don't understand something we ask for clarification before we start hurling insults.
A bit. I think it's ironic because I love this manga because I'm nuts about the stock market, yet I'm arguing with the guy translating it. It's like, "Thanks mom and dad for the present" then pulling out a glock. Honestly this whole conversation is more than a bit tiring because we're just pointing fingers at this point now that the matter was settled.
I've got no problem saying "we both made mistakes" and leaving this thing to die because I just wanna be a weeb.
