Firstly, I introduce myself. It looks roughly like the following.
Age : completed master’s degree in 2021 (late 20s) Major : Chemical Engineering Occupation : Research and development job at a chemical manufacturer Income : Late 200,000 yen Investment policy : Focusing on index investment via NISA, and trying out various investments Target : Millionaire
Assets amount disclosure (May 2025)
Total assets amount
Amount of Zen’s total assets in May 2025 is 14,943,219 yen. (104,600 USD) The achievement rate to become a millionaire is 10%. I still have a long way to go before I reach my goal of becoming a millionaire.
The breakdown is as follows.
In terms of Japanese yen, assets except Japanese yen and bonds were up compared to last month, so the overall balance was +306,116 yen. In dollar terms, also assets except Japanese yen and bonds were up compared to last month. The overall balance was +2,798 USD.
Let’s check the breakdown of each financial asset.
Japanese stocks
The Japanese stocks held by Zen were 2,156 USD compared to last month. The trend of the Nikkei Average in dollar terms was as shown in the image below.
Charts provided by TradingView
May was a relatively good month for the Nikkei, mostly due to recovery from the drop triggered by President Trump’s comments and tariff plans.
One area I’m closely watching is Nippon Steel’s attempted acquisition of U.S. Steel. President Trump’s statements on this matter have been constantly changing, so we cannot yet feel at ease.
Investment trust (S&P500)
I have accumulated the following investment trusts using the new NISA investment limit. ・三菱UFJ-eMAXIS Slim 米国株式（S&P500） 33,333 yen ・三菱UFJ-eMAXIS Slim バランス（8資産均等型） 10,000 yen
The investment trust I held was +1,659 USD compared to last month. This stock has also recovered since last month and its valuation has increased.
The trend of S&P500 was as shown in the image below. The blue line is the value in Japanese yen terms, and the orange line is the value in dollar terms.
Charts provided by TradingView
The S&P500 made a strong recovery—up nearly 10%—after the Trump-related downturn.
The April “Trump Shock” was caused by announcements of significant new tariffs on autos and semiconductors, creating:
Inflation concerns
Rising trade tensions with China and Europe
General investor uncertainty
I plan to keep dollar-cost averaging through these turbulent times.
Bonds
As for bonds, I hold iShares Core U.S. Aggregate Bond Market ETF (AGG). The bonds I hold decreased by 61 USD compared to last month.
This month’s AGG trend was as shown in the image below.
Charts provided by TradingView
While less volatile than stocks, AGG still fluctuated slightly in response to economic indicators and interest rate expectations.
After ignoring bonds during the inflation-heavy years, I’m now appreciating their stability in uncertain markets.
Exchange rate
This month’s USD/JPY trend was as shown in the image below.
Charts provided by TradingView
Japanese yen appreciated in May, moving from around 148 to 143 per dollar. This was likely due to weaker U.S. economic data and rising speculation about rate cuts from the Fed.
This month’s expenses
This month’s credit card payment amount was 519,620 yen (3,637 USD).
Over half a million yen… The biggest expense? Two suits.
I was invited to a friend’s wedding in April. Up to now, I’d always worn my old “recruit suit” from job-hunting days. But as I near 30, I realized… maybe it’s time to level up.
So, I bought a proper suit from Paul Smith (around ¥200,000), and while I was at it, added a second for work.
Biggest expense I’ve ever made on clothing. Do I regret it? Not at all.
This May, I made a quiet promise to myself: to become someone who wears a Paul Smith suit — and truly owns it.
