How to get out of "many other people" with an annual income of less than 8 million yen
According to Nomura Research Institute, "annual income of less than 8 million yen and pure financial assets of less than 30 million yen" accounted for about 80 % of Japanese.Let's look at how to increase financial assets, increase household annual income, and rank up from 80 % of "many other people".
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"Pure financial assets" that define the wealthy to the mass layer
Pure financial assets are deducted from the total amount of financial assets, such as mortgages. Financial assets include deposits, stocks, bonds, investment trusts, as well as temporary life insurance and personal pension insurance. In other words, pure financial assets are different from real estate and other things that can be cashed immediately. In 2019, the Financial Public Relations Central Committee conducted a "public poll on household financial behavior". According to this survey, the average amount of financial assets in FY2019 is 6.45 million yen for single households and 11.39 million yen in households. The median is 450,000 yen for a single household and 4.19 million yen for two or more people. The median is all decreasing compared to the previous year, but from 2010 to 2019, single -person households are less than half of the peak, and two or more households are normal. By the type of financial product, both single -person and two or more households are "savings and savings", all of which account for more than 40 % of the total. Single households were later "securities" and "investment trusts", and two or more households followed "insurance" and "securities". The Nomura Research Institute, which is divided into five levels, classifies the following five layers in the following five layers in pure financial assets. The breakdown and total holding amount in FY2017 are as shown in [Chart 2]. In comparison with the survey published in 2018, the number of households of wealthy and super wealthy people increased by about 50,000 from the previous estimation in 2015. The company considers that some households have increased their assets due to the economic expansion of Abenomics policy and the rise in stock prices.
Marriage and dual -working are effective in raising ranks
Think about how to raise the rank.As mentioned earlier, pure financial assets can be cashed immediately.This means that if you can have a lot of current deposits, you will increase pure financial assets.In other words, as your income increases, pure financial assets have increased.So how many households do each level have?According to the Ministry of Health, Labor and Welfare's Basic Survey on People's Life (2019), two households with an annual income of 17 million yen or more are 2..1 %, 11 million yen or more and less than 11 million yen.12 % of households with 9 %, 8 million to less than 11 million yen, 78 below.It was 9 %.(The total is not 100 % due to the estimate), while calculating the ratio of households in each level with the pure financial assets mentioned above, it looks like [Chart 4].The wealthy and super wealthy people are 2.4 %, quasi -wealthy 6.0 %, Upper Mouth layer 13.4 %, mass layer 78.2 %.Compare the numbers in the two surveys.Each annual income and pure financial assets are rough but consistent.In order to shift to a quasi -wealthy, it is only necessary to have an annual income of 8 to 11 million to transfer to the upper mass layer.