I have been really lucky and have accumulated about 600M JPY and want to retire in about 6 months once things finish vesting. I'm 30, so this will be a long retirement I hope.
In general I like the bogleheads philosophy, I want to keep things simple.
For most of the portfolio I'd like to invest mainly in RSSB for long term growth, but I have a few concerns which I'd like to address in the remaining portion of the portfolio.
Specifically, I'm worried about:
- The Yen strengthening, and the power of investments in RSSB declining
- Some sort of large crash early on in retirement
So I think to counter this I should have some cash-like instrument to act as a buffer to tide over a bad early few years, but money market in Japan seems like just terrible returns.
Also I think I ought to have some JPY exposure to draw from in the event of the yen getting stronger.
I'm thinking maybe Japanese REITs or commodities or cash, or maybe even global bonds like AGGG, but honestly I'm not too sure what instrument(s) is going to be the best for covering my areas of risk.
by SorryAstronomers