Lump sum Investing

[Cheeseman]

Where would the good people of RJ put a lump sum of say ¥20,000,000 ?
Time span would be at least 10 years.

[N00bster]

Nothing fancy. As many contributors have shared in this forum, eMaxis slim all countries for the stock part (60 to 90% depending on risk tolerance), and an international bond fund like Tawara noLoad for the rest). Feel free a add a bit of REIT. Rebalance every year, keep the same strategy no matter what happens to the market.

Although the common wisdom would be to invest in one go, I would probably invest the sum in two to three years by buying monthly. Oh and of course max a NISA every year.

[KyushuWoozy]

As a Brit, I would spend the money on a buy-to-let house in the UK. Historically this has yielded 5% income and 5% capital growth annually. It's easier for me because I go back to UK each year but this isn't strictly necessary.

[OkiBum]

Nothing fancy. As many contributors have shared in this forum, eMaxis slim all countries for the stock part (60 to 90% depending on risk tolerance), and an international bond fund like Tawara noLoad for the rest). Feel free a add a bit of REIT. Rebalance every year, keep the same strategy no matter what happens to the market.

Although the common wisdom would be to invest in one go, I would probably invest the sum in two to three years by buying monthly. Oh and of course max a NISA every year.

I’ll second this. Simple and stress free.

[gaijinkun]

international bond fund like Tawara noLoad

what is it in SBI?

[Yokohama]

It is this one on SBI: Ｏｎｅ－たわらノーロード　先進国債券 (One-Tawara noLoad Developed Country Bonds)

[N00bster]

It is this one on SBI: Ｏｎｅ－たわらノーロード　先進国債券 (One-Tawara noLoad Developed Country Bonds)

Precisely! Of course do your due research before buying suggestions from random strangers on the internet.

[Sybil]

As a Brit, I would spend the money on a buy-to-let house in the UK. Historically this has yielded 5% income and 5% capital growth annually. It's easier for me because I go back to UK each year but this isn't strictly necessary.

Only those with substantial assets in other asset classes should even consider this. Real estate is illiquid. With all the potential issues, for most non-residents this will most likely become a major headache.

Regulations have tightened on landlords in recent years and market and nobody should be surprised if the trend continues (particularly if you a non-UK resident).

How does the quoted 5% income and 5% capital growth compare with the stock market?

[KyushuWoozy]

Yes, agree with a lot you say and it isn't for most investors. However OP did say wants to invest at least 10 years so illiquid doesn't seem a problem for him. Biggest tightening of regulations recently for buy to let landlords concerns mortgages which won't affect OP. Indeed in some ways this regulation change may benefit him/her because non-cash buyers are disadvantaged by the change and are more likely to leave the market. Not sure how it compares to the stock market but would be interested to know. I do know however that buy to let has a lot of investors and UK (unlike many other countries) allows foreigners to own 100% in their own name. Anyway, I was just putting it out there, not offering tailored financial advice. I'm looking at it myself.