<h2>After years of figuring things out</h2>
<p>I have tried a lot of different approaches over the years. I have gone through phases — crypto only, all stocks, even some pretty speculative bets. But after all that trial and error, I finally settled on something simple that works for me: the 90/10 portfolio.</p>
<h2>What 90/10 actually means</h2>
<p>It is pretty straightforward:</p>
<ul>
<li><strong>90% in stocks</strong> — I am talking global diversified ETFs here. Mainly US, but also some emerging markets. The idea is simple: stocks are the engine that makes money grow over time.</li>
<li><strong>10% in hard assets</strong> — This is my safety net. Half is gold (about 6% of total), half is Bitcoin (about 4%). Gold has been money for 6,000 years. Bitcoin is the new kid on the block, but I like what it brings to the table.</li>
</ul>
<h2>Why this works for me</h2>
<p>Let me be real with you. I sleep better at night knowing that 10% of my portfolio is something tangible. When the Fed prints money like there is no tomorrow, gold holds its value. And Bitcoin? It is like digital gold with optionality built in.</p>
<p>The 90% in stocks gives me the growth I need to actually reach my goal. Index funds are not sexy, but they work. Low fees, broad diversification, decades of data backing them up.</p>
<h2>Monthly contribution</h2>
<p>I put in ¥154,391 every single month. Yes, every month. Even when the market crashes. Even when everything looks scary. That is the whole point of dollar-cost averaging — you buy more when things are cheap.</p>
<h2>Rules I live by</h2>
<ul>
<li><strong>Consistency over intensity</strong> — It does not matter how much you invest if you do it every single month. Consistency wins.</li>
<li><strong>Do not put all eggs in one basket</strong> — Diversification is not just a fancy word. It is survival.</li>
<li><strong>Think 10+ years</strong> — If you are checking your portfolio every day, you are doing it wrong.</li>
<li><strong>Rebalance once a year</strong> — Set it and forget it. But check once a year to make sure you are not drifting too far from your target.</li>
</ul>
<h2>Where I am now</h2>
<p>Currently, my portfolio is spread across:</p>
<ul>
<li>Corporate DC Pension (Japanese defined contribution) — the foundation</li>
<li>Global Stock ETFs — the growth engine</li>
<li>xGold — my gold position in token form</li>
<li>Bitcoin — for the asymmetric upside</li>
<li>Some cash reserves — for opportunities and emergencies</li>
</ul>
<h2>The goal</h2>
<p>¥100M by 2038. That is the target. Is it ambitious? Absolutely. But having a number to chase keeps me focused.</p>
<p>This is what works for me. Not financial advice — just sharing what I am doing on my own journey.</p>
