Vivinavi : World : () World

• 都築
• mail
• 2022/05/31 12:20

The period has been extended until the end of June ！.

• 千鶴
• mail
• 2022/05/31 12:13

Water lilies are at their best at Ayameike Park in Yurihama-cho.
This is a wonderful park where you can enjoy various flowers in each season.

• ぴぴ
• mail
• 2022/05/31 12:09

A tree planting-themed event will be held.
https://www.pref.shiga.lg.jp/syokujusai-shiga2021/

June 5, 1 pm
Kabuka Dream Forest
507-2 Okubo, Koka-cho, Koka City

• 風見鶏
• mail
• 2022/05/31 12:01

I saw an article in which Ms. Shuri Kimura of Kusatsu was introduced as a Women's Go player.
I am very happy.

• ピーマン
• mail
• 2022/05/31 11:55

This is a semi-annual event at Sasaraya Tateyama main store.

May 27 to June 5
https://www.sasaraya-kakibei.com/

I want to eat a mitarashi dango ！

• ウサギ
• mail
• 2022/05/31 11:51

You can compare 18 kinds of sake from the prefecture ！.

• 柿
• mail
• 2022/05/31 11:37

SL will run on June 4, 12, and 19.
You can also enjoy local specialties.

https://www.chichibu-railway.co.jp/

• 正人
• mail
• 2022/05/31 11:24

Kyary and Tsutenkaku have collaborated on a product.
https://store-localpowerjapan.com/

Colorful.

• ひらひらひらり
• mail
• 2022/05/31 11:20

On July 29th, Chiba Kenmin no Hi (Chiba Prefecture Citizens' Day), the Hotel New Otani Makuhari is offering a discount for dinner.
There are likely to be prefectural residents' discounts elsewhere as well.
https://www.newotani.co.jp/makuhari/stay/plan/kenmin/

• 教えて下さい。
• mail
• 2022/01/11 10:12

Until recently, I have been living paycheck to paycheck, so I have not invested much in the way of investments. I started a side business last year that allows me to earn a steady income every month, so I am now studying to invest my surplus money.

The quickest investment I could think of was life insurance.

However, I am somewhat skeptical about life insurance because I strongly remember advice I heard from someone about 10 years ago that life insurance and investments should not be mixed, and that life insurance is not an investment.

I have seen online and Youtuber's explanations that Whole life insurance has a real annual interest rate of about 1.5-2% after deducting commissions and expenses, as the premium in the monthly amount you pay increases with age and the amount going to investments decreases as you get closer to maturity. Another disadvantage is that in the event of the death of the insured person, the insured person only receives the Death Benefit, not the accumulated money.

I have a wife and children, so I need the Death Benefit, so I think it would be better to have a Death Benefit of about 100 million yen in Term Life Insurance and invest the other money in ETFs, BOND, SP500, Roth IRAs, Crypto, etc. I think it is better to invest other money in ETF, BOND, SP500, Roth IRA, Crypto, etc. at this stage.

Is life insurance a good investment, although each individual is different depending on family circumstances and income?
Please let me know.