RetireJapan

Mostly it's about communication and being on the same page. A substandard plan that both of you are happy with will be better than a perfect one that one person has not bought into. My approach has alwasy been to save and invest first, then not worry about spending much after that. But it's harder t...

Wrote about this last year: https://www.retirejapan.com/blog/life-i ... ter-death/

I haven't gotten around to sorting this out yet, but Daniel (my co-host on RetireJapanTV) has.

The author of the article seems to be worried that mortgage rates might go up a lot. Of course, the rates have been pretty low in Japan for decades, so you shouldn't be too worried. On the other hand, it might be an idea to get a fixed rate mortgage if you're risk averse... Here's a historical char...

ChapInTokyo wrote: ↑Tue May 28, 2024 10:11 am NISA Growth quota of 14 million yen

Lifetime growth allowance is currently 12 million, but hopefully your investments will also grow over time

If you follow Ray Dalio on LinkedIn he posts frequent essays with his thoughts and predictions. I find them interesting but not particularly actionable

Thank you both for your response. The managed fees on my growth fund in NZ are .25% ($2.50 on $1000) Adamu so all good there thanks. I hadn't actually realised I had comments on my post and went ahead and pre-ordered your Guide to NISA 2024 Ben - lol. But am happy to learn about it all the same. Ch...

Really don't agree with this, at least for people who have a reasonable margin of safety with their mortgage payments. If any increase in your payments would put your finances in danger, you have an unaffordable mortgage :shock: How high are rates likely to go? From 0.29% (current lowest floating ra...

Going to depend on your situation (of course). I'm planning to have a barbell like allocation: large chunk of cash and world stock fund. But also hoping to have far more money than we need, which will give us a lot of flexibility (we should be able to live off our pensions more or less). You would p...

Hmm, well there are certainly people who maybe get sent over by their employer to work in Japan, so I guess they start full-time from day one, but many people come as a spouse of a Japanese person and look for work or come by themselves and look for an employer, so only people in the first case wou...

Gareth wrote: ↑Wed May 22, 2024 10:38 pm General election called for July the 4th.

Are you all registered to vote?

YES.