Although this is only a hypothetical setup, the Nomura Web Loan and monthly-distributable investment trusts are examples of strategies for high-net-worth individuals to generate income without moving their assets. Nomura Web Loan and Monthly Dividend Investment Trust are examples of strategies that can generate cash flow with wisdom, with the growth of the global economy as an ally.
Overview of Nomura Web Loan
Nomura Web Loan provides funds at low interest rates secured by investment trusts and stocks ( Nomura Securities Co., Ltd. ). The collateral ratio of investment trusts is 60%, and the loan is free purpose. Example: Borrow 6 million yen for a 10 million yen investment trust and expand investment without selling the asset. Interest rate is about 1-2% per year (as of May 2025, confirmation required), flexible repayment is attractive. For the wealthy, it is a tool to create a source of income while preserving assets.
What is a monthly distribution investment trust?
Monthly distribution type investment trusts are characterized by variable distributions (0-300 yen/unit). AllianceBernstein D ( see details) and Nomura Future Trend Discovery D ( see details) invest in global equities and maintain a base price above 10,000 yen. Cash flow is attractive, but there is a risk of loss of principal or zero distribution. Suitable for those seeking stable income against a backdrop of global economic growth.
How to use the combination
Tentatively, borrow 6 million yen through Nomura Web Loan with 10 million yen investment trust (1 million units) as collateral. Buy AllianceBernstein D (600,000 units), deduct interest (1.5% per year, approx. 7,500 yen per month) from distributions (0-180,000 yen/month, average 90,000 yen), and have an average of 82,500 yen freely available. Next, the company borrows 3.6 million yen against the 6 million yen investment trust and purchases the investment trust (360,000 units). Distributions (0-108,000 yen/month, average 54,000 yen) minus interest (approx. 4,500 yen/month), leaving an average of 495,000 yen free. An initial 10 million yen investment trust generates distributions of 0-300,000 yen/month (average 150,000 yen). In total, approximately 282,000 yen/month (average) can be used for living and reinvestment. However, distributions fluctuate and may be zero.
| Steps | Collateral Investment Trust | Investment Amount | Distribution/month (average) | Interest/month | Free money/month (average) |
|---|---|---|---|---|---|
| Initial | 10 million yen | 10 million yen | Approx. 150,000 yen | 0 yen | Approx. 150,000 yen |
| 1 | 10 million yen | 6 million yen | Approx. 90,000 yen | Approximately 7,500 yen | Approx. 82,500,000 yen |
| 2 | 6 million yen | 3.6 million yen | Approx. 54,000 yen | Approx. 4,500,000 yen | Approx. 49,500,000 yen |
Cautions and Philosophical Perspectives
Beware of the risk of distribution fluctuations (0-300 yen), rising interest rates, and falling collateral assets ( interest rate details ). Additional collateral may be required. But asset management is a combination of “structure” and “playfulness. Wisdom manages risk and creates room to redirect funds to family time or aesthetic choices (e.g., Hermes Birkin). This strategy is a life-enhancing tool.
Conclusion
The combination of Nomura Web Loan and investment trusts is the fruit of wisdom to generate income without moving assets. While provisionally set up, the free funds of 282,000 yen per month (average) support family time and aesthetic choices. But the real value lies in the balance between “structure” and “playfulness. With the global economy as an ally, a strategy of using assets as a tool increases the freedom to design one’s life. Like choosing a Birkin at a Hermes boutique, we make choices with wisdom to build a prosperous future. That is the philosophy of Private Wisdom.
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