BOSTON - The key to tapping into an estimated $10 trillion in retail assets in Japan is through women investors, according to a consultant in marketing in Japan.

Women make the decisions about how the typical Japanese household invests its assets, according to John Kochevar, president of Kochevar Research Consultants of Cambridge, Mass., a consulting firm that has been conducting market and social research in Japan for more than 20 years. When an estimated $10 trillion in certificate-of-deposit-style assets mature in Japan next year, it will be the women in households who decide whether those funds are invested in mutual-fund-style vehicles or some form of bank deposits, Kochevar said.

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