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【まとめ】

投機はお金を短期的に主として稼ぐこと、投資は成長を期待して長期的に未来で利益を得ること

The differences between investment and speculation are explained in terms of people, things, money, and information.

Classification Investment Speculation

People Focus on people involved in the business, such as company executives and employees Focus on people involved in market price movements

Things Focus on things that contribute to the growth of the business, such as company products, services, and technology Focus on things with large price fluctuations, such as stocks, foreign exchange, and commodities

Money Investing funds for the purpose of long-term asset formation and company growth Investing funds for the purpose of short-term profit acquisition

Information Collecting and analyzing information to judge the future prospects of the business, such as the company's financial situation and industry trends Collecting and analyzing information to predict short-term price fluctuations, such as market price movements and technical analysis

Investment aims to achieve long-term profits through company growth and business success. On the other hand, speculation aims to achieve short-term profits by taking advantage of market price fluctuations.

Investment and speculation each have different purposes and methods, so neither is better than the other. However, it is important to understand the risks and returns of each and make a choice that suits your own situation and purpose.

Below are some specific examples of investment and speculation.

Examples of investment:
Stock investment: Hold shares of blue-chip companies for a long time and earn profits from dividends and rising stock prices
Real estate investment: Buy condominiums and apartments and earn rental income
Investment trusts: Diversify into multiple investment targets to aim for stable returns while reducing risk
Examples of speculation:
Day trading: Buy and sell stocks in a short period of time and earn profits from price differences
FX trading: Make a profit by taking advantage of fluctuations in exchange rates
Commodity futures trading: Make a profit by taking advantage of fluctuations in the prices of commodities such as gold and crude oil
If you would like to know more about investment and speculation, we recommend consulting a financial planner or a securities company representative.

The points to note when investing are as follows.

1. Invest within the scope of your own funds

Invest with surplus funds and avoid using funds for living expenses or emergencies. Investing to the point of borrowing money involves great risks.

2. Diversify your investments

If you concentrate your investments in one stock or asset, you may suffer large losses if that stock or asset falls. Diversifying your investments across multiple stocks and assets can help reduce risk.

3. Invest with a long-term perspective

It is important to invest with a long-term perspective, without getting too excited or upset about short-term price fluctuations. Good companies and assets are likely to grow over time.

4. Don't neglect to gather information

It is important to collect and analyze information about your investment target. By understanding the financial situation of the company and industry trends, you can make more appropriate investment decisions. Be sure to obtain information from reliable sources and be careful not to be misled by rumors or unreliable information.

5. Refer to the opinions of experts

If you are unsure about your investment, it is also effective to consult with experts such as financial planners and securities company representatives. By referring to the opinions of experts, you can create an investment strategy that suits your situation and purpose.

6. Understand your risk tolerance

Investment always involves risk. It is important to understand the level of risk you can tolerate, taking into account your age, income, asset status, etc. Avoid investing beyond your risk tolerance.

7. Avoid emotional trading

When the market is fluctuating rapidly, it is easy to lose your cool and make emotional trades. However, emotional trading can magnify losses. It is important to always remain calm and make trades based on rational judgment.

8. Understand taxes

Taxes are levied on profits earned through investments. It is important to understand what taxes will be levied before investing.

Keep these points in mind and make appropriate investment decisions to aim for long-term asset formation.