Column 9: Growing is "Sowing, Watering, and Cultivating" | Yuto's 3 Golden Rules

Introducing Yuto's core rules for moving forward with "growing" wealth. In line with the philosophy of the Asset Garden, we will explain the **3 Golden Rules—Don't let it wither, Focus on your own garden, and Use time as fertilizer**—in a simple, accessible way.

1. Choosing Your Seeds

Which financial product should I choose?

This is where many people get stuck.

Because the flowers look beautiful.
Because the fruit looks delicious.

It is natural to want to pick them for reasons like that.

What's more——

It is easy to get distracted by other people's gardens.

"I heard that person grew their wealth massively in no time."
"I could have made way more profit with that other product."

Hearing these voices can make your heart waver.

But every garden is unique.

The soil, the sunlight, and the way you care for it are completely different for everyone.

Staring at someone else's yard won't make your own trees grow.

Yuto decided to go with an all-country equity index fund.

It is a product that allows you to diversify your investments across companies all over the world.

Even if one specific region goes through a rough patch,
growth in another area helps balance it out.

To Yuto, this felt exactly like
having a "hardy plant that can grow anywhere."

If you find it absolutely impossible to choose your own seeds, using an automated robo-advisor mutual fund is another highly effective option.

He realized that the most critical part is simply getting started.

2. The Timing of Sowing

"When is the best time to start?"

A lot of people worry about this, too.

I want to buy when the prices drop.
It is completely natural to feel that way.

But——

Reading that perfect moment is incredibly difficult, even for seasoned professionals.

That is why the method of recurring, automated investments exists.

You sow a few seeds, bit by bit, every single month.

You don't need to plant a massive amount all at once.
Just keep going at a comfortable, steady pace.

That is the secret to nurturing a garden for the long haul.

3. Nurturing (Compound Interest)

Let's think about this in terms of plants.

Imagine planting a loquat or a persimmon tree.

During the very first or second year after planting,
no flowers bloom, and no fruit grows.

Even if you water it diligently, you won't see an instant transformation right away.

But——

Deep down beneath the surface where you can't see, it is spreading its roots and thickening its trunk.

After years of steady cultivation, the tree will eventually bloom and bear fruit year after year.

These flowers and fruits are just like dividends or distributions.

And——

Even while that is happening, the tree itself continues to grow larger and larger.

This is precisely how compound interest feels.

The more time you give it, the more magnificent the growth becomes.

Of course, there will be days with harsh winds and heavy downpours.

Even so, believing in your tree and continuing to care for it is the essential first step toward cultivating a whole forest.

Yuto thinks to himself:

"Even if it doesn't bear fruit immediately, as long as it's growing, that's more than enough."

Summary | Saving is a Core Element of "Crops Cultivation"

Choose your seeds,
plant them bit by bit,
and nurture them patiently over time.

By doing just that, your assets will steadily expand.
Growing your wealth through compound interest is also a form of steady accumulation.