Conditions are changing due to low growth, low interest rate, and aging.

To successfully manage assets in a changing environment and to achieve long-term objectives, you need asset management principles that are different from what you are used to.

• 01. Diversify your assets globally.

  Expected returns can be lowered due to low growth and aging if your portfolio is biased towards domestic assets. A global diversification is essential for a stable return on your investment.

• 02. Invest in quality assets with a long-term perspective.

  You must manage your assets over a long period of time, so it is important to select and invest in high-quality assets that can benefit from the changing social and economic trends.

• 03. Diversify your investment with a broad spectrum for stability.

  Concentrated investment portfolio can suffer a permanent loss of capital. For the stability of asset management, you must thoroughly diversify your assets in triplicate into 'among asset groups, within asset group, and by region'.

• 04. Protect your assets from economic losses due to illnesses or injury

  Illnesses and accidents are the critical causes that prevent the accumulation of assets and accelerate their exhaustion, so be sure to prepare for expenses incurred from illness or injury thoroughly with private health insurances.

• 05. Manage your assets from an integrated point of view, from accumulation to withdrawal.

  Extended life-expectancy and lower interest rates require new thinking in asset management.
  We need a new perspective that focuses on cash flow rather than asset size. We have to set up a withdrawal plan that suits each individual and manage assets accordingly from the early accumulation stage.