저자: kazuma · 외국인
요약 보기
FIRE 달성 후 1,000만원을 TECL(3배 레버리지 미국 IT ETF)에 투자해 매년 수익분만 인출하며 생활하는 방식을 2010~2021년 과거 수익률 데이터로 검증. 연평균 약 358만원 수익 인출 가능하다고 결론. 과거 수익률 기반 시뮬레이션이며 레버리지 특성상 하락기 손실 위험은 충분히 다루지 않음.
다듬은 글
Hello everyone, this is Kazuma. Thank you for watching again today. Today's theme is "Using Fire to Tech and Guaranteeing an Annual Income of Over 10 Million Yen and a Lavish Life." Let's get started. Today 's video is about not living a stingy Fire life, but using Tech to live a lavish life. This video is intended for those who currently own Tech, those aiming for Fire, and those who have achieved Fire but have wondered what to do next.
We hope this video will be helpful to you. If you found this video even a little interesting, please subscribe to the channel. So, here is the table of contents for today. With the theme of "An Annual Income of 10 Million Yen with Tech," we will see if an annual income of over 10 million yen can be achieved by simply investing a portion of your assets in Tech after Fire.
This channel documents the process of a 27-year-old civil servant seriously aiming for Fire. If you've read this, please subscribe to the channel. Now, let's get started, but first I'd like to give a quick introduction to Tekkuru. Its official name is Direction Daily Technology Stock Bible ETF, and it is a 3x leveraged ETF that tracks the US information technology sector.
It is managed by analysts based in the US and Hong Kong, and in addition to Tekkuru, it also manages many other leveraged products. Everyone's favorite, I love it too, it's a look-alike. Tekkuru's main holdings include Apple, Microsoft, Visa, Mastercard, Goldman Sachs, NBA, etc., but Apple and Microsoft alone account for more than 30%.
It also includes financial stocks such as Visa and Mastercard, which are not included in LeverageNAS, and although the market is currently crashing, this does not mean that these companies have lost their ability to earn, so we expect future increases. As for Tekkuru, its unrealized gains over the past 10 years have exceeded 100% in 2005.
That's 25 times in 10 years. 4 million yen has achieved a return of approximately 100% in 10 years. So, this is not the time to buy 4 million yen worth of Lotto 6 and aim for 100 million yen, right? With that said, I'll end my introduction to Tekuru here and move on to the main topic: after achieving Fire, I'd like to examine how to withdraw funds using Tekuru.
I wo n't explain Fire here, but let's assume that achieving Fire means 100 million yen. I'm not going to say that I'll just put all 100 million yen into Tekuru, so don't worry. After achieving 100 million yen, 90 million yen can be invested in the S&P 500 global stock balance or anything else, but I'd like to examine what happens if you deposit 10 million yen, which is one-tenth of your assets, into Tekuru.
How will you manage it? It's a method so simple that even a third grader could manage it. You deposit 10 million yen, and after one year, you don't get any of the principal back, but you sell all the profits and spend the money you get lavishly. If you have unrealized losses after one year, you do n't sell and hold onto it for another year, and if you have a profit at the end of the year, you sell only the profit.
That's all. For example, if you invest 10 million yen and it becomes 11 million yen after one year, you would sell 1 million yen and continue investing the principal of 10 million yen. If the principal of 10 million yen becomes 8 million yen after one year, you would not sell and would hold onto it for another year.
We will examine this verification starting from 2010. So let's go. At the beginning of 2010, 10 million yen was purchased and the unrealized profit/loss at the end of the year was 9.99%. One trade yielded 999,000 yen, so the profit of 999,000 yen was sold, and the daily profit was 716,450 yen. Is that 59,000 yen in pocket money for one month?
If it were me, I'd want to take a luxurious trip once a month. Hokkaido would be nice at this time of year. Now let's look at the following year as well. At the beginning of 2011, the investment principal was 10 million yen and the unrealized profit/loss at the end of the year was -202.03%. So, the principal of 707 was at a loss of 197,000 yen, so I didn't sell it this year and my allowance was 0 yen.
No allowance in the second year either. My wife is a real devil, as if to say there's no way I'm allowed to have an allowance, and I lived with a 0 yen allowance for a year, but I'd like to see what happens next year. At the end of 2012, the principal investment was 10 million yen and the amount invested was 77,970,000 yen, and the year-end unrealized profit/loss was 4.24%, resulting in an investment result of 10,424,000 yen.
So, I sold it for 424,000 yen and had a profit of 304,000,810 yen after taxes. I was able to get some allowance from my wife this year, which came to 25,340 yen. With an allowance like that, it seems like it would disappear in an instant on drinking parties and meals. Now let's see what happens next year.
Let's take a look at the investments at the beginning of 2013. The principal was 10 million yen, and the unrealized profit/loss at the end of the year was an astonishing 701.94%. The investment result was 7,194,000 yen per trade, and the profit of 7,194,000 yen was sold. After taxes, the amount remaining was 1,159,000,286 yen.
This is not pocket money, is it? Unbelievably, this is pocket money from my devilish wife. I wonder what happened in the year, as she's loosened her purse strings and given me over 5 million yen in pocket money. Should I buy a Lexus? If I'm going to buy a Lexus, I'd like to buy a better grade though.
Now let's look at the results for the next year. In 2014, my sister's investment principal was 10 million yen, and the unrealized profit/loss at the end of the year was 517.29%, and the investment result was 5,729,000 yen per trade. So the profit was 507 I sold it for 129,000 yen and the after-tax amount was 4,108,639 yen.
For the second year in a row, this is not pocket money, it's far more than my current take-home pay and annual income. If I ever lose money, I'll definitely invest 10 million yen in tech. So let's look at the results for the following year. In 2015, my sister's investment principal was 10 million yen and the year-end profit/loss was 4.98%, resulting in an investment of 498,000 yen.
So, I sold the profit of 49,108,000 yen and the after-tax amount was 357,149 yen. I've come back, but my wallet is too tight, so if I put it in monthly terms it's 29,000 yen. I ca n't even buy 3,000 Umaibo snacks. So let's look at the following year as well. In 2016, the investment principal was 10 million yen and the year-end profit/loss was 4.98%, resulting in an investment of 3.09%.
It was 14,309,002 yen, so I sold the profit of 400,309,000 yen, and the after-tax amount was 3,090,264 yen. By the way, let me say this again, this 10 million yen from the Tokyo Stock Exchange is for fun, not living expenses, it's for a lavish stay after the fire. I think the most expensive hotel in Hawaii costs over 3 million yen, so I might be able to stay there with this money.
Next, for 2017, the investment principal at the beginning of the year was 10 million yen, and the unrealized profit/loss at the end of the year was 1108.31%, resulting in 218,031,000 yen, so I sold the profit of 111,831,000 yen, and the after-tax amount was 8,480,478 yen. Finally, I've reached an annual income of over 10 million yen.
In Japan, there is a progressive tax system, so the more you earn, the more taxes are deducted, and for people with an annual income of 10 million yen... In this case, the net annual income is approximately 7 million to 7.8 million yen, but the profits earned from investments, in the case of US ETFs, are taxed at a flat rate of 20.315% in Japan after a 10 percent deduction in the US, so no matter how large the profit, the fact that the tax is fixed is attractive to Mr.
Wang. If I had 8.4 million yen in pocket money, I might buy a Porsche. What would you all buy? So, let's take a look at the results for 2018. Mr. Ren 's investment principal was 10 million yen, and the unrealized profit/loss at the end of the year was -20%, resulting in an investment result of 7,306,000 yen with a return of 6.94%.
The next investment after buying a Porsche would be with no pocket money, which is just too tough, considering the maintenance costs etc., it seems likely to fail. So, in 2018 there was an unrealized loss, so he ended the year without gaining anything. Now let's take a look at 2019. The investment principal at the beginning of the year was With an investment of 10 million yen, the total investment amount was 7,306,000 yen, and the profit/loss by the end of the year was 107.80%, resulting in an investment result of 180,000 yen.
I did it again! I sold 10,780,000 yen of the 10 million yen annual profit, and the after-tax amount was 7,731,039 yen. I could stay in a super luxury hotel in Hawaii, drive a Porsche, and have even more money to say, but what should I do with this 7 million yen? Maybe I should take a ride on the world's leading luxury cruise ship, the Queen Elizabeth?
It seems that you can ride in the lowest class for about 4 million yen, so with 7 million yen I could upgrade and enjoy myself to the fullest. So, I'd like to spend a year having fun on a large passenger ship and see what the unrealized profit/loss will be after a year. At the beginning of 2020, the investment principal was 10 million yen, and the unrealized profit/loss at the end of the year was 59.28%, resulting in an investment result of 15.92 million yen.
So, after selling the profit of 5,100,928,000 yen, the after-tax amount was 4,251,355 yen. If you can make this much profit from just riding around on a luxury cruise ship, Miyake will never stop. So, what should we do with this 4 million yen? Maybe we should go to the Maldives and relax. It's a place I'd like to go at least once.
Speaking of the Maldives, let's take a look at the results for the last year of 2021. Starting with an investment principal of 10 million yen at the beginning of 2021, the year-end profit/loss was 120%, a 3.35% return, resulting in an investment of 223,035,000 yen. Surprisingly, this is the third time in 12 years that we have exceeded 10 million yen, and after selling the profit of 11,335,000 yen, the after-tax amount was 880,462,310 yen.
So, the lavish spending game comes to an end. What did you think? The average return over 12 years after taxes was 3,587,439 yen. With an annual allowance of 3.5 million yen and then 190,000 yen, it's like having a working adult for free, right? In my own personal image, Fire is the beginning of a frugal lifestyle, so I think it would be nice to use Fire achievement to live it up.
On this channel, we do things like dividing up summer and testing so Excel and inheriting Fire. We also have a family where a 27-year-old civil servant is seriously aiming for Fire, so if you would like to work hard together as a Lever Folder, please subscribe to the channel and hit the like button.
That's all for this video. To all Lever Folders and those aiming for Fire, let's continue to work hard together. Thank you for watching until the end. See you in the next video.
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