Arigato, {{ first name | dear investor }},
Most people believe becoming a millionaire requires a six-figure salary.
It doesn't.
What matters far more is when you start and how fast your money compounds.
Let's look at the numbers.
Assuming your goal is to retire with $1 million by age 65, and you earn an average 9% annual return by investing in a low-cost index ETF like SPY...
Here's how much you'd need to invest every month:
Start at age 20: ~$140/month
Start at age 30: ~$340/month
Start at age 40: ~$900/month
Start at age 50: ~$2,650/month
Notice what happened?
The goal didn't change.
The retirement age didn't change.
Only your starting age changed.
Yet someone who waits until 50 has to invest almost 20 times more every month than someone who started at 20. 🤯
That's the hidden cost of procrastination.
But here's something even more interesting.
Most people only focus on how much they need to invest.
But there’s a more important question to ask:
"How can I improve my returns?"
Because the higher your long-term returns, the less money you need to put in every month.
For example, if you could increase your annual returns from around 9% to 20% by combining long-term ETF investing with options, the numbers change dramatically.
Instead of investing:
$140/month at age 20, you'd need around $4/month
$340/month at age 30, you'd need around $26/month
$900/month at age 40, you'd need around $162/month
$2,650/month at age 50, you'd need around $1,060/month
That's the power of compounding.
It's to help your money compound more efficiently over time.
This is exactly why I don't rely on ETFs alone.
For years, I've combined long-term ETF investing with options strategies to generate additional cash flow and enhance my overall returns.
It's the same approach that helped me build my investment portfolio to over $1 million, while still keeping ETFs as the foundation of my portfolio, without me having to worry about individual stock picks. 😉
If you've always thought investing was just "buy SPY and wait," there are actually ways to make your portfolio work harder—provided you understand the risks and apply them correctly.
That's exactly what I'll be teaching in my FREE ETF & Options Masterclass this Thursday!
In this live 2-hour class, I'll walk you through:
✅ How to build a simple ETF portfolio for long-term wealth
✅ How I use options to enhance returns and generate additional cash flow
✅ The step-by-step framework that's helped me build my portfolio over the past decade
Many people found my live masterclass incredibly valuable, and I'd love for you to join us too at 8pm this Thursday (2 July)!
P.S. This masterclass will be conducted live on Zoom, and due to Zoom's capacity, we can only accommodate 300 live attendees.
If you'd like to ask questions, interact with me live, and get the full experience, make sure you register now before all the spots are taken!
Arigato!
Chloe
Arigato Investor
Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛
The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛
