RetireJapan

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.

At least with Rakuten. I had my tsumitate contribution date set to the beginning of the month, but I decided to change it to the middle of the month for various reasons. So around the 2nd week of march I changed the setting on Rakuten. I just assumed that the contributions worked on per-month basis,...

I’ve come to think of my emergency fund as part of my overall portfolio. Which may seem contradictory, as the whole point of an emergency fund is that it’s separate from your investments. But here’s how I see it. You have your traditional stocks/bonds target ratio. I think of it as growth/fixed. For...

Yatsushiro, I know a bit about this only because my own personal experience is similar to yours, not because I'm especially educated about these tax issues. First, I believe RRSPs are only a valid tax-avoidance instrument for residents of Canada. If your residency if going to change, you should find...

There are a few places to find this information. As is common with Rakuten & Japanese websites in general, there are multiple paths to get there and all of them are non-obvious. There's a screen specifically breaking down your capital gains taxes: Open "My Menu" (マイメニュー), click on &quo...

Quick beginner's question: When investing on Nisa, is there something with lower risk than an index fund (emaxis slim all country)? Well, all-country index funds are about as low-risk as you can get with equities. However, if you need/want lower risk, you could buy bond funds (債券) or balanced funds...

Can't speak to mobile, but I think Rikaichan is no longer in active development and may no longer work with current browsers. It's been superseded by Yomichan which does the same thing.

I always think it's better avoid market timing, so I would say: If you already have the cash reserves to buy, then buy & sell on the same day. Otherwise just try to make your sell and buy dates as close together as possible.

mikele3 wrote: ↑Thu Aug 04, 2022 7:09 am

adamu wrote: ↑Wed Aug 03, 2022 1:25 pm Worth keeping in mind that Rakuten charge ¥0.25 to convert every USD, in addition to the exchange rate. So $1000 costs you ¥250, etc.

25% !!!

Read the figures again. ¥0.25, not ¥25 or $0.25.

Any recommendations on which bonds funds to buy through Rakuten/SBI ? I just got the eMaxis Slim developed country bond fund. I would second this recommendation (developed country bond fund). Probably the simplest and most effective (on average) way to get some bonds that do what you want them to d...