Small Investments and Big Returns: RIZAP Yields 30%! Top Stocks Under 50,000 Yen

A combined yield of over 10% from both benefits and dividends is the target!

When it comes to stock investment, people may imagine profiting by buying and selling stocks. However, another valid investment style is holding stocks long-term and earning profits through dividends and shareholder benefits from the invested company.

Stocks that offer benefits with a small investment tend to have a higher benefit yield, and when combined with dividends, it becomes easier to recover the investment simply by holding the stock. Some stocks even offer a combined yield of over 10%.

With such high-yield stocks, it’s quite possible to recover your investment just by holding them. While there’s a risk of losses if stock prices fall, investing a few tens of thousands of yen may feel manageable.

Particularly noteworthy are popular companies like NTT (9432) and SoftBank (9434), which have become more affordable through stock splits. With the growing number of new investors starting through NISA, stock splits aimed at expanding the investor base have become common, making many popular company stocks more accessible.

With that in mind, here are six popular Japanese stocks with shareholder benefits that can be purchased for 50,000 yen or less.

Too popular, leading to changes in shareholder benefits? Yield exceeding 30%! “RIZAP Group” (2928)

Convenience gym “chocoZAP” is once again drawing attention to RIZAP Group (2928), the company behind the once-popular “RIZAP” gym commercials.

The key highlight of RIZAP Group’s shareholder benefits is the “chocoZAP usage fee at half price.” Shareholders with 100 or more shares receive half-price usage for six months, while those with 200 or more shares get a full year at half price. At the closing price on March 5, an investment of 48,600 yen for 200 shares offers a yield of 36.79%.

For shareholders with 400 or more shares, one additional person can also enjoy half-price chocoZAP usage for a year. This benefit is paired with discount vouchers and points for RIZAP Group’s online store. An investment of around 100,000 yen for 400 shares achieves a yield of 52.22%.

RIZAP Group has revised its shareholder benefit program, effective for shareholders as of March 2025. Previously, 200 or more shares provided six months of “free” chocoZAP usage, but this has been changed to half price for a longer one-year period.

While monthly costs will now apply, the extended period means the total benefit value remains unchanged. At the current stock price, the benefit is equivalent to approximately 17,880 yen — achievable with an investment under 50,000 yen — resulting in a yield exceeding 30%. For those already using or planning to use chocoZAP, this is an appealing offer.

chocoZAP’s monthly fee is already affordable at 2,980 yen (excluding tax). Even with the half-price discount, the cost is only 1,490 yen (1,639 yen including tax). Paying a small amount may even encourage consistent attendance. Additionally, those joining chocoZAP using this benefit will have their registration fee (3,000 yen including tax) and administrative fee (2,000 yen including tax) waived (excluding re-enrollment).

Some have criticized this change as a downgrade. While it’s true that solo users can no longer enjoy chocoZAP for free, it’s worth noting that last year’s “chocoZAP Japan No.1 Achievement Commemoration Special Benefit” was initially intended as a one-time offer. Converting it into a regular benefit should be seen as a positive move. The previous free benefit had a significant negative impact on RIZAP Group’s earnings, so this adjustment seems necessary for sustainable business operations and ongoing benefits.

Lastly, RIZAP Group (2928) is listed on the Sapporo Securities Exchange (SSE). Since some brokers, such as Rakuten Securities, do not handle SSE-listed stocks, investors should be cautious.

Benefit yield over 15%! “MH Group” (9439)

M.H. Group (9439), which operates salons like “Mod’s Hair,” issues shareholder benefit vouchers for its online store “M.H. GROUP WEB STORE” to shareholders holding 100 or more shares.

Eligible products include hair care items such as shampoos and treatments, styling products, hair dryers, irons, and makeup products. Many hair care and styling products are suitable for both men and women.

With 100 shares costing around 20,000 yen, shareholders receive a voucher worth 3,500 yen once a year, giving a benefit yield of over 15%. For those who hold shares for more than three years, the benefit amount increases by an additional 1,000 yen, raising the yield to 20%.