RetireJapan

Just to clarify, you can withdraw the term deposit at any time (EG for an emergency) but you would only get the original deposit back, and forfeit the interest.

I need to have contributed to my pension for two thirds of my eligible period I'm pretty sure that part refers to two thirds of the time you've been actually been enrolled in the pension scheme. The disqualifying problem here would be being enrolled in the pension scheme, but missing over 1/3 of yo...

I'm sure I saw it somewhere but can't find it now, the thread on what funds to choose in Rakuten iDeCo. Would appreciate some guidance on this. I started contributing around May this year (on the 12,000yen band)- 80% U.S and 20% Japan funds. I'd like to know what the cool guys are doing :D Thanks i...

1. Lifetime limit of JPY18mill Is the based on a certain end date, or age? I turned 55 this September, so is it tied to the current retirement age of 60? Literally your lifetime. You can contribute after retirement if you want/can. 2. Maximum annual amount For Tsumitate, does this have to be a regu...

While you can't do anything about the first-in/first-out system, there is a screen that will show you your holdings by year to at least clarify how much you can sell. As usual, it's pretty hard to find:

Well, I'll have a go at 1. A simple 2-fund mix of All-Country stocks & developed bonds is a great way to go. As far as your overall balance between equities (stocks) & bonds goes, most people feel that the advice of your age or your age-10 in bonds is outdated and overly conservative (ie too...

I've been thinking about this topic's headline a lot lately. And maybe I should be moving my RRSP to Japan and putting my funds in NISA to grow tax free. Here is what I have come up with pros and cons. ... You should call the CRA help line to ask about this -- it's a pain in the ass with the time d...

On Rakuten you'll see a screen like this (on the buy/sell page and the holdings listing page): Image 時価評価額/評価損益 is your profit/loss. It's shown in yen by default; click on the % button to show as a percentage. In this case, the fund has gains (profit) of 23.37%. Capital gains tax is 20.315% of gain...

It would be nice to have a page about this on the wiki, because the explanation is not that complicated; it just seems that way when people have different underlying assumptions about how it works. If you just want to know how much capital gains tax you will pay when you sell some funds? On Rakuten ...

Yes, I'm contributing Y100,000/mo, so Y200,000 total in March, Y400,000 total for the year so far. So I don't think there's actually a monthly limit in either amount or number of contributions inherent to the tsumitate NISA system. The Y100,000/mo maximum is just part of the provider's interface.