【Virtually Experience an Investor's Life】Is Saving Alone Enough? Peek into the Future of Your Assets
Many people want to start investing but hesitate, thinking, "I'm scared to buy stocks," "I don't know what to invest in," or "I hate losing money."
Putting complex theories aside, this simulator allows you to realistically experience the future trajectory of your assets.
We have developed the "Investor's Life Simulator", which lets you try out your life's asset management without taking any risk, especially for those who are new to investing.
★ By simply entering your annual expenses, the simulator automatically calculates your FIRE Target Amount*.
*FIRE: Financial Independence, Retire Early. Although definitions vary, a common target is 25 times your annual expenses.
★ The simulator reproduces "random fluctuations" similar to real markets, allowing you to experience the true challenge and potential return of investing.
★ Everything except your starting age is always modifiable!
You can freely reflect life events such as "increasing investment amount due to a raise or job change," "withdrawing funds for a wedding," "changing the expected rate due to a change in investment strategy," "incurring hospital fees due to an accident or illness," or "increasing investment after inheriting an estate." The flexible specifications make it enjoyable even for experienced investors.
I encourage you to simulate all the events of your life and envision a rich and fulfilling investor's life.
If you found this simulator even slightly "interesting" or "useful," please consider supporting T-Kuma's activities via the link at the bottom of the page. Your small support will be a great source of strength for my survival.
Simulator Status
Asset Transition Chart
🎯 Simulator Specifications and How to Play
This simulator is designed for investment beginners to reflect "life decisions" in their investing and experience long-term asset building.
3.1. Basic Operation Rules
- "Advance 1 Year" Button
- Each time you press this button, your age increases by one year, and your asset amount is updated based on a random market return.
- Initial Age Setting: The age can only be changed once initially. It will be locked the moment the button is pressed for the first time, and cannot be changed thereafter.
- Free Modification of Values (Replicating Life Events)
- All numerical values—"Current Asset Amount," "This Year's New Investment," "Expected Rate of Return," "Volatility," and "Annual Living Expense"—can be manually modified at any time.
- Example: Increase "This Year's New Investment" after a promotion, or manually decrease the "Current Asset Amount" if expenses increase due to marriage, to reflect life decisions.
- Continuation of New Investment
- The "This Year's New Investment" amount, once entered, will be automatically included in the calculation for subsequent years unless you manually change it (simulating regular, sustained contributions).
- Calculation Premise
- Taxes and fees are not considered. This assumes the use of tax-advantaged accounts (e.g., Roth IRA, 401k, ISA) common in many countries.
3.2. Asset Calculation Logic (Random Element)
- The core of this simulator is the random determination of the annual return, allowing you to experience the reality of uncertainty in the market.
- Return Determination: The annual return is determined based on a Normal Distribution where the user-set "Expected Rate of Return" is the mean, and "Volatility" (the intensity of market fluctuations) is the standard deviation.
- Formula: (Previous Asset Amount + This Year's New Investment) × (1 + Annual Return)
3.3. Evaluation Criteria (FIRE Achievement Display)
- Goal Setting: The goal asset amount (FIRE Target) is automatically calculated and displayed (top right) based on the early retirement benchmark: 25 times the Annual Living Expense.
- Moment of Achievement: The moment your current asset amount exceeds the FIRE Target asset amount during the simulation, a special achievement message will be displayed in a fixed area. The message will remain even after the simulation advances, without being overwritten by the return information.
- This simulator does not account for inflation. In reality, actual living expenses may increase by a few percent annually due to inflation.
Thank you for trying the simulator 😊
If you found this simulator helpful, interesting, or relatable, would you consider supporting my survival and activity?
You can support my survival challenge through two ways:
1. U.S. Amazon Affiliate: If you are outside Japan, or prefer another way to support me, please click my Amazon link below. It doesn't matter what you buy; simply clicking the link and purchasing any item on Amazon helps sustain my life. I will be genuinely grateful for any commission received.
2. Japanese Banner:Please click the support banner below (Japanese ad). Every click contributes approximately one Japanese yen to my necessary living funds.
Purchase on Amazon here (Image not displayed)
Crystal Geyser, Alpine Spring Water Natural, 30pk
T-Kuma is a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by linking to Amazon.co.jp and affiliated sites.
※I created Version 2.1 which displays the Total Cumulative Investment!
Click here for Investor's Life Simulator Version 2.1
