資産形成をする上で重要なのが、ポートフォリオの考え方です。基本的な戦略は、「お金を生まない資産は持たない」です。持ち家など不要です。持ち家があっても、お金は増えません。

基本的には賃貸を推奨します。そして、できる限り家賃の安い物件にしてください（家賃補助がある場合を除く）。できる限り生活コストを落として、余剰資金（預金・貯金）をつくります。それを、イデコ・NISA・高配当株に投資しましょう。

ただし、若いうちは、金融投資だけでなく、「自分のスキル成長への投資」も惜しまないようにしましょう。オッサン・オバサンになってからでは、新しいことを覚えるのが難しくなります。できるだけ若いうちに、IT・会計ファイナンス・マーケティングなどを勉強しておきましょう。

そして、金融資産が2000万円や3000万円になってくると、強気の姿勢を貫くことが可能になります。何か会社で理不尽なことがあっても（パワハラ・セクハラ）、堂々と戦うことができます。金融資産がないと、泣き寝入りせざるを得ないのが現状なのです。
※裁判費用はすごく高いですよ。転職のリスクを覚悟できるのも、蓄えがあってのことです。

ちなみに、投資先は、「円安の時は外債・外貨・外国株に投資しない」が鉄則だと考えています。基本的に外国投資は円高の時にやるものだと考えています。円安の時は、日本株が上がりやすいし、基本的には日本国内への投資で良いと思います。株式投資については、「長期投資」「暴落時に買う」が鉄則です。リーマンショックなどで暴落した時が絶好の買い場です。暴落時からの戻しで10倍以上に上がる銘柄もあります。そして、素人は短期売買では損をする可能性が高いので、配当金狙いの長期投資を狙ってください。

Building Your Wealth: The Portfolio Approach

Introduction

Achieving financial security is a goal shared by many. One of the key strategies for reaching this goal is through the creation and management of a well-diversified portfolio. This essay will explore the fundamental concepts of portfolio theory and provide practical advice for building a portfolio that aligns with your individual goals and risk tolerance.

The Core Principles

At its core, portfolio management revolves around the principle of "investing in assets that generate income". This means prioritizing investments that have the potential to grow your wealth over time, such as stocks, bonds, and real estate. Conversely, assets that do not generate income, such as a personal residence, should be carefully considered and may not be the best use of your capital.

Building a Diversified Portfolio

Diversification is a cornerstone of portfolio management. By spreading your investments across different asset classes, you can mitigate risk and increase the stability of your portfolio. A common approach is to allocate your investments among the following categories:

• Equities: Stocks represent ownership in companies and have the potential for high returns over the long term. However, they also carry higher risk.

• Bonds: Bonds are debt instruments issued by governments or corporations and offer lower risk and returns compared to stocks.

• Real Estate: Real estate can provide both income and appreciation potential but requires careful consideration of location, property type, and market conditions.

Additional Considerations

Beyond diversification, several other factors should be considered when building a portfolio:

• Investment horizon: Your investment horizon refers to the time frame you plan to hold your investments. This will influence the asset allocation and risk profile of your portfolio.

• Risk tolerance: It's crucial to understand your tolerance for risk and choose investments that align with your comfort level.

• Regular rebalancing: Periodically reviewing and rebalancing your portfolio is essential to maintain your desired asset allocation and risk profile.

Conclusion

Building a well-diversified portfolio is a foundational step towards achieving financial security. By understanding the core principles of portfolio management and considering your individual circumstances, you can create a strategy that aligns with your goals and helps you build wealth over time.

Remember: This essay provides general information and should not be considered financial advice. It's important to consult with a financial professional to develop a personalized investment plan that suits your unique needs and objectives.