[New Life Survey of 300 People] About 90% Consider Reviewing Fixed Costs; 'Savings' Most Common Use for Extra Funds, 'Investment' Ranks Second
According to a survey of 300 people conducted by Knowledge Art LLC during the new life season, approximately 90% are considering reviewing their fixed costs, with 'savings' being the most common use for the extra funds, followed by 'investment'.
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- 📰 Published: April 2, 2026 at 22:10
## The Reality of New Life and Household Budget Reviews
April marks the start of new beginnings with enrollments, job entries, and transfers. However, in recent years, rising prices due to increasing food and energy costs have continued to put a strain on household budgets.
An increasing number of people are thinking, "I want to review my expenses" and "I want to strengthen my financial management for the future." The movement to optimize household finances by reviewing fixed costs is expanding.
Our asset management media "Asset Knowledge (Asset Knowledge)" conducted a survey targeting men and women aged 20 and over nationwide to investigate the reality of fixed cost reviews and financial management during the new life season.
■ Survey Overview
Survey Name: Survey on the Reality of Fixed Cost Reviews and Financial Management
Survey Operator: Asset Management Media "Asset Knowledge (Asset Knowledge)" (Knowledge Art LLC)
Survey Method: Internet Survey
Survey Period: March 31, 2026 - April 1, 2026
Target: Men and women aged 20 and over nationwide
Valid Responses: 300
## Approximately 90% Are Positive About Reviewing Fixed Costs
When asked, "Did you review your fixed costs to coincide with the new life season in April?", 212 people (70.7%) answered 'Considering' and 56 people (18.7%) answered 'Reviewed', totaling 268 people (89.4%) who are positive about reviewing fixed costs.
Only 32 people (10.6%) responded 'Not reviewed', indicating that many people are strongly conscious of improving their household finances at the start of a new life.
This shows that reviewing fixed costs is becoming a primary household countermeasure for the new life season.
## Review Focuses on High-Impact Savings Methods
When asked, "What fixed costs are you reviewing or considering reviewing?", the most common answer was 'Communication costs' with 143 people (47.7%).
This was followed by 'Utility costs' with 115 people (38.3%), 'Subscriptions' with 110 people (36.7%), and 'Insurance' with 68 people (22.7%).
Expenses that occur monthly and are easy to review, such as smartphone plans, electricity/gas bills, and video streaming services, are the focus of reviews as high-impact saving measures.
Conversely, only 17 people (5.7%) considered 'Housing related' costs and 9 people considered 'Education expenses', indicating that not many people are reviewing spending on homes or children even amidst rising prices.
## 'Savings' Most Common Use for Extra Funds, 'Investment' Ranks Second
When asked, "What is the intended use of funds freed up by reviewing fixed costs? (including plans)", the most common answer was 'Savings' with 95 people (31.7%).
This was followed by 'Investment' with 77 people (25.7%), 'Living expenses' with 73 people (24.3%), and 'Leisure' with 34 people (11.3%).
While surplus funds generated by savings tend to be allocated to safe savings first, more than 1 in 4 people chose investment, showing a moderate increase in interest in asset formation.
## 'Investment Trusts' Most Considered Investment Method
When asked, "If you are investing, what investment methods are you considering?", the most common answer was 'Investment Trusts' with 107 people (35.7%).
There are also a considerable number of people (88 people, 29.3%) who answered 'Not decided yet', indicating a cautious approach to specific product selection despite interest in investment.
This is followed by 'Domestic stocks' with 43 people (14.3%) and 'Fixed deposits' with 40 people (13.3%), showing a preference for relatively low-risk investment methods such as diversification and small-lot regular investments.
Details on each asset management method are also explained in detail on our media, "Asset Knowledge (Asset Knowledge)".
**Explanatory Articles**
- Mutual Fund Rankings: Investment Trust Funds Expected to Rise
- Fixed Deposit Interest Rate Ranking
- US Bond ETF Recommended Yield Comparison Ranking
- Individual Corporate Bonds Yield Ranking
- Hedge Fund Ranking TOP 12
## Approximately 90% Consider Investment if They Have Over 1 Million Yen
When asked, "If you had substantial funds (e.g., over 1 million yen), would you consider investing?", 155 people (51.7%) answered 'Consider depending on conditions', and 117 people (39.0%) answered 'Actively consider'.
A total of 272 people (90.7%) are positively considering investment, while only 28 people (9.3%) are not.
While a cautious stance was observed with small amounts of funds, investment appetite significantly increases when substantial funds are available.
## New Life Financial Strategy: 'Cautious Review and Gradual Investment'
This survey found that about 90% of people are positive about reviewing fixed costs, with the focus being on high-impact saving measures such as communication costs, utility costs, and subscriptions.
The most common use for funds freed up by reviewing fixed costs was 'Savings', and over 1 in 4 people chose 'Investment', indicating a widening interest in asset formation.
Regarding investment methods, 'Investment Trusts' are considered most, followed by 'Domestic stocks' and 'Fixed deposits', but about 30% answered 'Not decided yet', showing a cautious approach to product selection.
It was also confirmed that about 90% would consider investing if they had over 1 million yen in surplus funds, and that investment intent greatly increases depending on the amount of funds.
It is clear that household budget reviews and asset management for new life stages are positioned not as 'aggressive expansion' but as 'gradual actions to prepare for the future'.
Our asset management media "Asset Knowledge (Asset Knowledge)" will continue to investigate changes in consumers' financial management and investment awareness and provide reliable information.
Company Name: Knowledge Art LLC
Head Office Address: 463 Sanwa-cho Nakade, Fukuchiyama City, Kyoto Prefecture
Representative: Tetsuo Yamashita
Business Description: SEO Consulting, Web Advertising Operations, Web Media Management
Established: November 2024
Official HP: https://knowledge-art.co.jp/
April marks the start of new beginnings with enrollments, job entries, and transfers. However, in recent years, rising prices due to increasing food and energy costs have continued to put a strain on household budgets.
An increasing number of people are thinking, "I want to review my expenses" and "I want to strengthen my financial management for the future." The movement to optimize household finances by reviewing fixed costs is expanding.
Our asset management media "Asset Knowledge (Asset Knowledge)" conducted a survey targeting men and women aged 20 and over nationwide to investigate the reality of fixed cost reviews and financial management during the new life season.
■ Survey Overview
Survey Name: Survey on the Reality of Fixed Cost Reviews and Financial Management
Survey Operator: Asset Management Media "Asset Knowledge (Asset Knowledge)" (Knowledge Art LLC)
Survey Method: Internet Survey
Survey Period: March 31, 2026 - April 1, 2026
Target: Men and women aged 20 and over nationwide
Valid Responses: 300
## Approximately 90% Are Positive About Reviewing Fixed Costs
When asked, "Did you review your fixed costs to coincide with the new life season in April?", 212 people (70.7%) answered 'Considering' and 56 people (18.7%) answered 'Reviewed', totaling 268 people (89.4%) who are positive about reviewing fixed costs.
Only 32 people (10.6%) responded 'Not reviewed', indicating that many people are strongly conscious of improving their household finances at the start of a new life.
This shows that reviewing fixed costs is becoming a primary household countermeasure for the new life season.
## Review Focuses on High-Impact Savings Methods
When asked, "What fixed costs are you reviewing or considering reviewing?", the most common answer was 'Communication costs' with 143 people (47.7%).
This was followed by 'Utility costs' with 115 people (38.3%), 'Subscriptions' with 110 people (36.7%), and 'Insurance' with 68 people (22.7%).
Expenses that occur monthly and are easy to review, such as smartphone plans, electricity/gas bills, and video streaming services, are the focus of reviews as high-impact saving measures.
Conversely, only 17 people (5.7%) considered 'Housing related' costs and 9 people considered 'Education expenses', indicating that not many people are reviewing spending on homes or children even amidst rising prices.
## 'Savings' Most Common Use for Extra Funds, 'Investment' Ranks Second
When asked, "What is the intended use of funds freed up by reviewing fixed costs? (including plans)", the most common answer was 'Savings' with 95 people (31.7%).
This was followed by 'Investment' with 77 people (25.7%), 'Living expenses' with 73 people (24.3%), and 'Leisure' with 34 people (11.3%).
While surplus funds generated by savings tend to be allocated to safe savings first, more than 1 in 4 people chose investment, showing a moderate increase in interest in asset formation.
## 'Investment Trusts' Most Considered Investment Method
When asked, "If you are investing, what investment methods are you considering?", the most common answer was 'Investment Trusts' with 107 people (35.7%).
There are also a considerable number of people (88 people, 29.3%) who answered 'Not decided yet', indicating a cautious approach to specific product selection despite interest in investment.
This is followed by 'Domestic stocks' with 43 people (14.3%) and 'Fixed deposits' with 40 people (13.3%), showing a preference for relatively low-risk investment methods such as diversification and small-lot regular investments.
Details on each asset management method are also explained in detail on our media, "Asset Knowledge (Asset Knowledge)".
**Explanatory Articles**
- Mutual Fund Rankings: Investment Trust Funds Expected to Rise
- Fixed Deposit Interest Rate Ranking
- US Bond ETF Recommended Yield Comparison Ranking
- Individual Corporate Bonds Yield Ranking
- Hedge Fund Ranking TOP 12
## Approximately 90% Consider Investment if They Have Over 1 Million Yen
When asked, "If you had substantial funds (e.g., over 1 million yen), would you consider investing?", 155 people (51.7%) answered 'Consider depending on conditions', and 117 people (39.0%) answered 'Actively consider'.
A total of 272 people (90.7%) are positively considering investment, while only 28 people (9.3%) are not.
While a cautious stance was observed with small amounts of funds, investment appetite significantly increases when substantial funds are available.
## New Life Financial Strategy: 'Cautious Review and Gradual Investment'
This survey found that about 90% of people are positive about reviewing fixed costs, with the focus being on high-impact saving measures such as communication costs, utility costs, and subscriptions.
The most common use for funds freed up by reviewing fixed costs was 'Savings', and over 1 in 4 people chose 'Investment', indicating a widening interest in asset formation.
Regarding investment methods, 'Investment Trusts' are considered most, followed by 'Domestic stocks' and 'Fixed deposits', but about 30% answered 'Not decided yet', showing a cautious approach to product selection.
It was also confirmed that about 90% would consider investing if they had over 1 million yen in surplus funds, and that investment intent greatly increases depending on the amount of funds.
It is clear that household budget reviews and asset management for new life stages are positioned not as 'aggressive expansion' but as 'gradual actions to prepare for the future'.
Our asset management media "Asset Knowledge (Asset Knowledge)" will continue to investigate changes in consumers' financial management and investment awareness and provide reliable information.
Company Name: Knowledge Art LLC
Head Office Address: 463 Sanwa-cho Nakade, Fukuchiyama City, Kyoto Prefecture
Representative: Tetsuo Yamashita
Business Description: SEO Consulting, Web Advertising Operations, Web Media Management
Established: November 2024
Official HP: https://knowledge-art.co.jp/
FAQ
Who were the main respondents for this survey?
The survey targeted 300 men and women aged 20 and over nationwide.
How many people are considering reviewing their fixed costs?
Approximately 90% (89.4%) of respondents are considering or have already reviewed their fixed costs.
What is the primary use of money saved from reviewing fixed costs?
The most common use is 'savings' (31.7%), followed by 'investment' (25.7%) and 'living expenses' (24.3%).