My total assets at the end of May 2024 as a Japanese salaryman

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This blog post is the English version of a total assets at May of Japanese version.

Hello, I’m Uzumero as a Japanese salaryman (X account ).

I would like to disclose and analyze my total assets as of the end of May 2024.

I consider my health to be part of my assets, so I am also disclosing my monthly weight, body fat percentage and sleep time.


What is my total assets at the end of May 2024.

Summary of this issue (changes from last month)
  • Total assets: [ 51.95 million yen ] ⇒ [ 52.57 million yen ] (+618 thousand yen (+1.2% ))
  • Risk assets: [ 43.73 million yen ] ⇒ [ 44.14 million yen ] (+411 thousand yen (+0.9% ))
  • Valuation profit/loss: [ 10.83 million yen ] ⇒ [ 10.82 million yen ] (– 1 thousand yen (-0.09% ))
  • Risk-free assets: [ 5 million yen ] [ 5 million yen ] (±0円(±0%))
  • Standby funds: [ 1.71 million yen ] ⇒ [ 1.92 million yen ] (+207 thousand yen (+12.1% ))
  • Life defense fund: [ 1.5 million yen ] ⇒ [ 1.5 million yen ] (±0円(±0%) )
  • Weight (body fat percentage): [65.6kg(15.5%)] ⇒ [65.4kg(15.6%)]
  • Average sleep time: [7 h 48 min] ⇒ [7 h 56min] (data from Pokemon Sleep)

Total assets

Total assets as of the end of May 2024 were…

52,570,882 yen!

This is an increase of 618,499 yen over last month!

Converting total assets to dollars, it would be about $339,000 (converted to 155 yen to the dollar).

The comparison to last month is as follows.

The breakdown comparison to last month

The changes since January 2024 are as follows.

The changes in total assets since January 2024

Total assets increased from [ 51.95 million yen ] in Apr. to [ 52.57 million yen ], an increase of 618,499 yen (+1.2%) in one month.

The ratios of risk assets to total assets, risk-free assets, and cash are as follows.

ratio of risky and risk-free assets to total assets

The percentage of risk assets in total assets is 84%, a fairly high percentage. I am currently trying not to increase the percentage of risk assets too much.

Next, I will present the details of the change in the breakdown.

Change in Risk Assets in May.

Risk assets (valuation) increased about 411 thousand yen (+0.9%) from [ 43.7 million yen ] to [ 44.1 million yen ].

Changes in valuation of risk assets

The following chart shows the development of the major equity indices in May.

description or indexApr.Mayrate of return
(all country)
Nikkei Stock Averate3840638488+0.2%

Since eMAXIS Slim (all country) (+2.1%), the S&P 500 (+4.8%), and VYM (+3.0%) are all up significantly, the rise in foreign equities, which account for more than half of my risk assets, is likely what contributed to the increase in risk assets this month.

Change in Risk-Free Assets in March

Risk-free assets did not change from 500 million yen, but the breakdown changed.

Government bonds for individuals (10-Year Floating-Rate) increased by 500,000 yen and Rakuten Bank Money Bridge decreased by 500,000 yen.

I transfer 500,000 yen from Rakuten Bank Money Bridge to a Government bonds for individuals (10-Year Floating-Rate) every month.

  • Government bonds for individuals「10-Year Floating-Rate」【2.5 million yen 
  • Rakuten Bank Money Bridge2.5 million yen

The purchase amount and interest rate for my current holdings of Government bonds for individuals (10-Year Floating-Rate) are as follows.

Purchase amountInterest Rate
(before tax)
No.169 (Apr)500,000yen0.50%
No.170 (May)500,000yen0.57%

The following chart shows the change in the first interest rate from January 2023 (153rd) to 170th, and it has been slowly rising.

 change in the first interest rate of Govenment bonds for individuals from January 2023 (153rd)

Changes in Standby Funds

Standby funds (cash) increased from 1.71 million yen to 1.92 million yen ( + 207,000 yen ).

This month also saw an increase in standby funds, likely due to salary savings and dividends.

I intend to continue to increase my standby funds.

Health assets (weight, body fat percentage, sleep duration)


The most obvious indicators of health are considered to be [ weight ], [ body fat percentage ], and [ sleep duration ].

Bodyweight and body fat percentage are factors related to various diseases and lifestyle-related diseases. In addition, less [ sleep time ] can have a serious impact on physical and mental health, including daily vitality and mental health.

It is meaningless if you have saved money while in your 40s, but your health is compromised in your 50s and 60s. Therefore, I also disclose [weight], [body fat percentage], and [sleeping hours] as indicators of healthy assets.

Weight and body fat percentage

Weight and body fat changes through May were as follows.

Weight and body fat changes until apr

Weight and body fat percentage have remained virtually unchnaged since February.

In May, I have not been particularly conscious about weight management, etc. in my usual life, but I would like to keep it that way.

However, since I am here, I would like to introduce what I am paying attention to in terms of diet.

  • Eat three meals a day.
  • Finish dinner before 7:00 p.m.
  • Do not eat anything after dinner.
  • Eat carbohydrates, protein and vegetables at every meal.
  • Eat nuts as snacks.
  • Measure weight and body fat percentage daily.

I think the most effective diet that has helped me keep my weight in this category is not eating anything after 7:00 p.m. and being able to fast for 12 hours from 7:00 p.m. to 7:00 a.m. the next day.

After that, I think that measuring my weight and body fat percentage daily is also important for weight management.

Recently, there are many scales on the market that can be easily managed in conjunction with smartphone apps, which I think is convenient for daily management.

Weight fluctuates greatly within a day. To manage your weight on a daily basis, it is recommended to measure your weight at a time when it is stable. I measure my weight every day right after I wake up in the morning and go to the bathroom.

By the way, I use the previous version of ↓.

Sleeping Time

The average amount of sleep in March was [7 hours 56 minutes] per day. Compared to last month, this is an increase of 8 minutes. This data is from Pokemon Sleep, but I go to bed around 11:00 and wake up around 7:00 every day, so I don’t feel it is so wrong.

In April, there were some nights when I had difficulty sleeping due to congestion caused by hay fever, but recently the hay fever has calmed down and I think I am getting a good night’s sleep. I will continue to take care not to lose sleep.

Summary and Future Policies

In this issue, I have published our total asset situation as of the end of May.

Although the Nikkei 225 was not so good, the rise in global and U.S. equities resulted in a considerable increase in total assets and risk assets.

From June, I plan to make a slight change to my current policy and operate in such a way as to increase our cash ratio as much as possible. For now, 50,000 yen of the 100,000 yen NISA reserve limit will be used for the sale of similar stocks in the specified account.

In addition, since I plan to receive more dividends in June, we basically plan to save them as a standby fund to increase my cash ratio, instead of reinvesting them.

The reason for keeping new deposits low and increasing the cash ratio is not only to reduce risk, but also to prepare for the upcoming birth and raising of our child, as I plan to have a baby around September.

In terms of health assets, I believe that I am keeping both my weight (body fat percentage) and sleep time in good condition, and I will continue to make efforts to keep it that way. Currently, I am doing some muscle training to increase my muscle mass a little more.


Thank you again for reading this issue.