[Net Worth Update] July 2026: JPY 10,606,609 — Up JPY 194,719 to a New All-Time High Despite the AI Chip Selloff

Hey there, it’s Hirokichi!

My total net worth for July 2026 came in at JPY 10,606,609. That is up JPY 194,719 (+1.87%) from last month, my third straight month above the 10 million yen mark, and a new all-time high.

Honestly, I was braced for a loss this month. AI chip stocks sold off hard around the world in July, and the Nikkei 225 dipped into the 61,000s at one point. Let me walk through why the number still ended up in the black.

The Result: JPY 10,606,609, Up JPY 194,719 From June

Starting with the conclusion. My net worth at the end of July was JPY 10,606,609, up JPY 194,719 from JPY 10,411,890 at the end of June. In percentage terms, that is +1.87%.

As the chart shows, I have added about JPY 2.48 million in the twelve months since August 2025, when the total was around JPY 8.13 million. There were some rough months in there, but smoothed out the line keeps climbing.

A year ago, at the end of July 2025, the total was JPY 7,960,392. So year over year that is +JPY 2,646,217 (133.2%). Even I think that pace is better than I deserve.

The Breakdown: iDeCo at 34.9%, Japanese Stocks Up to 12.7%

Next, what is actually inside the portfolio.

As the pie chart shows, iDeCo (Japan’s individual defined-contribution pension plan) is still the biggest block at 34.9% of the total. It holds a single fund: eMAXIS Slim US Equity (S&P 500).

Here is the breakdown by amount:

(1) iDeCo (SBI Securities): JPY 3,703,284 (34.9%)
(2) US ETFs (Rakuten Securities, NISA growth allowance): JPY 2,441,255 (23.0%)
(3) Japanese individual stocks (Rakuten Securities, NISA growth allowance): JPY 1,344,462 (12.7%)
(4) Mutual funds (Rakuten Securities, NISA accumulation allowance): JPY 1,272,053 (12.0%)
(5) Junior NISA (for my two kids): JPY 1,120,977 (10.6%)
(6) Bond ETFs (SBI Securities, taxable account): JPY 724,578 (6.8%)

New NISA is Japan’s tax-free investment account, split into an accumulation allowance for regular monthly investing and a growth allowance for stocks and ETFs. Junior NISA was the version for children, now closed to new contributions but still growing tax-free.

The biggest change from last month is that Japanese individual stocks went from 9.0% to 12.7%, overtaking mutual funds to become my third-largest holding.

What Moved the Needle: The Nikkei Fell About 7% on the AI Chip Selloff

July was even rougher than June.

It started with the selloff in AI semiconductor stocks. Reports that hyperscalers (the giant tech firms running large-scale data centers) might dial back AI capital spending, combined with signs of progress in Chinese advanced chipmaking, sent overheated speculative money running for the exit. On July 17 the Nikkei 225 dropped 2,694 points to 64,141, and on July 29 it sank as far as 61,434. Against the 70,062 close at the end of June, that is roughly a 7% loss for the month. (On July 31 it bounced back above 65,000 intraday, helped by a rebound in US tech.)

US stocks told a similar story. The S&P 500 finished July at -0.79%. That looks small, but it broke an 11-year streak of positive Julys running back to 2015.

Then there was the currency. The yen weakened to the high-163 range against the dollar on July 27, its weakest in about 39 years and 8 months. But on the night of July 30 it snapped back to the 157.90 area, a roughly 6-yen move overnight. For most of the month the weak yen was a tailwind for my dollar assets, and right at the finish line that tailwind disappeared.

This chart makes the shape of the month clear: my US assets (iDeCo +0.74%, US ETFs +0.43%) essentially held flat, and the only holding that grew meaningfully was Japanese individual stocks.

Quick Notes on Each Holding: Only Japanese Stocks Grew

Japanese individual stocks went from JPY 933,905 to JPY 1,344,462, up JPY 410,557 (+43.96%). That was not price appreciation. I added new money and bought more. I topped up names like NTT, Oriental Land, Nintendo and KDDI while Japanese stocks were being sold off.

Mutual funds, on the other hand, fell from JPY 1,535,311 to JPY 1,272,053, down JPY 263,258 (-17.15%) and the only large minus this month. The four funds are S&P 500, an all-country index, Rakuten SCHD and Tracers Nikkei High Dividend 50, and the Japanese selloff plus the late-month yen strength both landed here.

iDeCo (+JPY 27,323) and US ETFs (+JPY 10,417) were basically flat, with the mild US decline and the stronger yen offsetting each other. The US ETF sleeve is unchanged: 215 shares of HDV (iShares Core High Dividend), 53 shares of VYM (Vanguard High Dividend Yield) and 4 shares of SPCX. Bond ETFs were -JPY 12,222 (-1.66%) and Junior NISA was +JPY 21,902 (+1.99%).

The Plan Ahead: Keep Contributions at JPY 15,000 a Month and Fix the Household Budget

My contribution settings have not changed since last month: JPY 10,000 a month into NISA and JPY 5,000 into iDeCo, for a total of JPY 15,000. Cram school fees for my daughter’s high school entrance prep and my son’s junior high entrance prep are heavy right now, so in April I cut NISA from JPY 35,000 to JPY 10,000 and iDeCo from JPY 20,000 to JPY 5,000, and I have left it there.

This chart lines up my net worth at the end of each July. From JPY 2,974,130 in July 2021, it is roughly 3.6x in five years. Seeing that line still pointing up even while my contributions are throttled back is the biggest encouragement I have.

That said, the household budget is still running a monthly deficit, so next month I am going to do a serious audit of our fixed costs. Before I try to invest more, the right order is to stop money from leaking out.

Wrapping Up: On a Wild Month, Look at the Whole Portfolio

July 2026 closed at JPY 10,606,609, up JPY 194,719 (+1.87%), a new all-time high. That is a positive result in a month when the Nikkei fell about 7% and the yen swung 6 yen at the end.

If there is one takeaway this month, it is this: even in a month with a violent selloff, the portfolio as a whole may not have lost much at all. Headlines shout about historic single-day drops, but my iDeCo and my US ETFs finished roughly flat. When you hold several asset classes, a crash in one of them tends not to hit the total as hard as you fear. Before you panic-sell on a scary headline, check the number for your whole portfolio first.

No rush, just keep at it. See you next time!

Last month’s record: [Net Worth Update] June 2026: JPY 10,411,890 – Up JPY 186,730 to a New All-Time High

See every net worth update since 2021 here

日本語版はこちら → 【総資産公開】2026年7月は10,606,609円！AI半導体ショックの月に前月比+194,719円で過去最高を更新

* This article is for informational purposes only and is not investment advice. Please invest at your own responsibility.

日本株を始めるなら【DMM 株】！(PR)