In short, they provide a poor return to Japan's increasingly international companies.
But, he said, "the personal accounts will themselves provide a significant return for those who hold them, so that they'll get a better deal."
The latter of which failed to provide an economic return.
Every individual or business is expected to keep records that allow them to provide a complete and accurate return.
While risky, such investments may even provide a high financial return.
Reserves of foreign currency provide a small return in interest.
Junk bonds provide a total return of at least 10 percent, she said.
"These units can provide a very profitable return on private investment."
They are intended to provide returns over a decade or more.
Sachs says the first step should be to increase foreign aid in a way that would provide a greater return to private investment.