Hoken Minaoshi Honpo Asset Formation and Household Balance Awareness Survey: Approximately 70% Engage in Asset Formation, Expanding Preparation for Future Anxiety
Hoken Minaoshi Honpo Group conducted an "Asset Formation and Household Balance Awareness Survey" targeting 837 men and women aged 20-60 nationwide. Approximately 70% are engaged in asset formation, primarily due to "anxiety about old age and the future." The new NISA is widely recognized, indicating that while asset formation is becoming common, some individuals are cutting living expenses to fund it, with implications for their life satisfaction.
📋 Article Processing Timeline
- 📰 Published: April 14, 2026 at 21:00
- 🔍 Collected: April 14, 2026 at 12:31
- 🤖 AI Analyzed: April 19, 2026 at 17:14 (124h 42m after Collected)
Hoken Minaoshi Honpo Group (Headquarters: Shinjuku-ku, Tokyo / Group CEO: Tomoki Usui), which operates insurance agency-related businesses, conducted an "Asset Formation and Household Balance Awareness Survey" targeting 837 men and women aged 20-60 nationwide through its subsidiary, Hoken Minaoshi Honpo Co., Ltd. (Headquarters: Shinjuku-ku, Tokyo / President: Takuma Toyama).
Since the launch of the new NISA, interest in asset formation as preparation for the future has been steadily increasing. On the other hand, amidst rising prices and increasing living costs, a certain number of people are believed to be prioritizing investment by cutting down on daily living expenses. How can one balance future security with the enrichment of current life? This survey explored the ideal approach to sustainable asset formation by examining the status of asset formation, methods of fund generation, and the impact on life satisfaction.
【Survey Overview】
Survey Period: November 21, 2025 – December 19, 2025
Target Audience: Men and women aged 20-60 who are official LINE users of Hoken Minaoshi Honpo
Survey Method: Internet survey via official LINE
Survey Organizer: Hoken Minaoshi Honpo Co., Ltd.
Valid Responses: 837 people
◆Survey Summary
＜TOPIC1＞Actual Status of Asset Formation and Background for Starting
Approximately 70% (72.4%) of the total responded that they "are engaged in asset formation." Asset formation has already become a common activity.
Approximately 60% (56.6%) cited "anxiety about old age and the future" as the trigger for starting asset formation.
As for asset formation products, approximately 80% (79.5%) first recalled "Tsumitate NISA / New NISA." This clearly shows that awareness and utilization of NISA are spreading, backed by institutional expansion.
＜TOPIC2＞Actual Status of Asset Formation and Fund Generation Methods
Among those engaged in asset formation, approximately 70% (70.3%) responded that they "allocate a portion of their surplus funds," while approximately 10% (11.6%) were found to be "cutting living expenses or entertainment costs to generate funds."
By age group, the proportion of respondents who "cut living expenses or entertainment costs to allocate to asset formation" was higher among those in their 40s (14.4%) and 50s (14.7%).
Top items reviewed for cutting living expenses included "food expenses (including dining out)" (43.7%), "monthly insurance premiums" (42.4%), and "communication/utility costs" (34.2%). This indicates an awareness of reviewing expenditures directly linked to quality of life.
＜TOPIC3＞Actual Status of Asset Formation and Changes in Life Satisfaction/Consumption Awareness
Regarding changes after starting asset formation, "no change" (41.7%) was the most common response overall, while a certain number also responded "more fulfilling than before" (26.9%).
However, among those who cut living expenses, responses such as "became more frugal than before" (42.9%) and "increased burden" (18.6%) were prominent, indicating a greater impact on life compared to those using surplus funds.
◆Detailed Survey Results
【Breakdown of Survey Participants】
20s: 92 people, 30s: 220 people, 40s: 215 people, 50s: 200 people, 60s and above: 110 people
(Male: 265 people / Female: 562 people / No response: 10 people)
＜TOPIC1＞Actual Status of Asset Formation and Background for Starting
Approximately 70% (72.4%) of the total responded that they "are engaged in asset formation." Asset formation has already become a common activity.
Approximately 60% (56.6%) cited "anxiety about old age and the future" as the trigger for starting asset formation.
As for asset formation products, approximately 80% (79.5%) first recalled "Tsumitate NISA / New NISA." This clearly shows that awareness and utilization of NISA are spreading, backed by institutional expansion.
When asked if they are engaged in asset formation (such as NISA, investments, insurance), approximately 70% (72.4%) of the total responded "yes" 《Graph 1》.
This indicates that asset formation is no longer an endeavor for a select few, but a familiar activity for many.
《Graph 1》Are you engaged in asset formation (such as NISA, investments, insurance)?
(Single answer | n=837 people)
《Graph 1》Are you engaged in asset formation (such as NISA, investments, insurance)?
Furthermore, when asked about the trigger for starting asset formation, "anxiety about old age and the future" (56.6%) was the most common response.
Since the launch of the new NISA, interest in asset formation as preparation for the future has been steadily increasing. On the other hand, amidst rising prices and increasing living costs, a certain number of people are believed to be prioritizing investment by cutting down on daily living expenses. How can one balance future security with the enrichment of current life? This survey explored the ideal approach to sustainable asset formation by examining the status of asset formation, methods of fund generation, and the impact on life satisfaction.
【Survey Overview】
Survey Period: November 21, 2025 – December 19, 2025
Target Audience: Men and women aged 20-60 who are official LINE users of Hoken Minaoshi Honpo
Survey Method: Internet survey via official LINE
Survey Organizer: Hoken Minaoshi Honpo Co., Ltd.
Valid Responses: 837 people
◆Survey Summary
＜TOPIC1＞Actual Status of Asset Formation and Background for Starting
Approximately 70% (72.4%) of the total responded that they "are engaged in asset formation." Asset formation has already become a common activity.
Approximately 60% (56.6%) cited "anxiety about old age and the future" as the trigger for starting asset formation.
As for asset formation products, approximately 80% (79.5%) first recalled "Tsumitate NISA / New NISA." This clearly shows that awareness and utilization of NISA are spreading, backed by institutional expansion.
＜TOPIC2＞Actual Status of Asset Formation and Fund Generation Methods
Among those engaged in asset formation, approximately 70% (70.3%) responded that they "allocate a portion of their surplus funds," while approximately 10% (11.6%) were found to be "cutting living expenses or entertainment costs to generate funds."
By age group, the proportion of respondents who "cut living expenses or entertainment costs to allocate to asset formation" was higher among those in their 40s (14.4%) and 50s (14.7%).
Top items reviewed for cutting living expenses included "food expenses (including dining out)" (43.7%), "monthly insurance premiums" (42.4%), and "communication/utility costs" (34.2%). This indicates an awareness of reviewing expenditures directly linked to quality of life.
＜TOPIC3＞Actual Status of Asset Formation and Changes in Life Satisfaction/Consumption Awareness
Regarding changes after starting asset formation, "no change" (41.7%) was the most common response overall, while a certain number also responded "more fulfilling than before" (26.9%).
However, among those who cut living expenses, responses such as "became more frugal than before" (42.9%) and "increased burden" (18.6%) were prominent, indicating a greater impact on life compared to those using surplus funds.
◆Detailed Survey Results
【Breakdown of Survey Participants】
20s: 92 people, 30s: 220 people, 40s: 215 people, 50s: 200 people, 60s and above: 110 people
(Male: 265 people / Female: 562 people / No response: 10 people)
＜TOPIC1＞Actual Status of Asset Formation and Background for Starting
Approximately 70% (72.4%) of the total responded that they "are engaged in asset formation." Asset formation has already become a common activity.
Approximately 60% (56.6%) cited "anxiety about old age and the future" as the trigger for starting asset formation.
As for asset formation products, approximately 80% (79.5%) first recalled "Tsumitate NISA / New NISA." This clearly shows that awareness and utilization of NISA are spreading, backed by institutional expansion.
When asked if they are engaged in asset formation (such as NISA, investments, insurance), approximately 70% (72.4%) of the total responded "yes" 《Graph 1》.
This indicates that asset formation is no longer an endeavor for a select few, but a familiar activity for many.
《Graph 1》Are you engaged in asset formation (such as NISA, investments, insurance)?
(Single answer | n=837 people)
《Graph 1》Are you engaged in asset formation (such as NISA, investments, insurance)?
Furthermore, when asked about the trigger for starting asset formation, "anxiety about old age and the future" (56.6%) was the most common response.