New Proposal for Japan's 1,000 Trillion Yen in Savings: Generating Over 20 Trillion Yen in Interest Through Bond Investment. IFA Kiyofumi Noto Advocates for an 'Interest-Based Lifestyle.'

Quality Life Co., Ltd. (HQ: Shiga Prefecture, CEO: Kiyofumi Noto) continues to provide information on the importance of not just growing, but 'preserving and utilizing' assets in response to rising costs of living and the '100-year life' era.

■ Financial Concerns in the Era of Inflation

With rising consumer price indices, many households in Japan are feeling the pressure of increased living costs. Meanwhile, personal financial assets remain heavily concentrated in bank savings, meaning many are underutilizing their capital. Noto frequently receives inquiries from people who are unsure about keeping their retirement funds in banks, seeking ways to live without depleting their capital, or feeling uneasy about stock investments but worried about savings alone.
Based on over 22 years of experience at the forefront of the financial industry, Noto states that the focus must shift from maximizing asset growth to preserving capital while generating stable income.

■ 50 Billion Yen in Supported Assets and 15,000+ Consultations

Since establishing Quality Life in 2007, Noto has worked as an Independent Financial Advisor (IFA), not affiliated with any single institution. He has handled over 15,000 consultations for approximately 1,500 clients, with total assets under management reaching 50 billion yen. Many of his clients are retirees, business owners, or employees in their 50s to 70s seeking 'peace of mind in retirement' rather than aggressive asset growth. In this context, Noto advocates for the 'Interest-Based Lifestyle.'

■ The Potential of 1,000 Trillion Yen in Savings: The '20 Trillion Yen Interest Initiative'

Noto is concerned that much of Japan's savings remain stagnant at low interest rates. He estimates that if half of the 1,000 trillion yen in personal deposits were invested in US Treasury or dollar-denominated corporate bonds yielding 4-5%, it could generate 20 to 25 trillion yen in annual interest. This amount is comparable to major Japanese tax revenues. Noto believes this income could circulate into the economy through elderly spending on travel, hobbies, healthcare, and education, thereby revitalizing Japan.

■ Moving from 'Depleting Assets' to 'Utilizing Interest'

Noto focuses on bond management techniques used by the global wealthy. He encourages people to pursue a life of enjoyment by living off interest income rather than slowly draining their savings. He shares these insights through his YouTube channel, 'Kiyofumi Noto [Money School] Noto Chan,' and platforms like Voicy.

■ Over 60,000 Books Published

Noto has published nine books with a total circulation exceeding 60,000 copies. In November 2025, he released his latest work, 'The Textbook on the World’s Safest US Treasury and Dollar-Denominated Corporate Bonds: Latest Edition.'