Search found 4420 matches

by RetireJapan
Sun Jun 02, 2024 10:16 pm
Forum: Real Estate
Topic: Buying an old home. Loan.
Replies: 11
Views: 248

Re: Buying an old home. Loan.

Yep, I am sure there is a large discrepancy between prime, urban, suburban and rural. But even rural land might at least hold most of its value, unless you’re buying in a place with no future (seems unlikely but .. ?) My impression is that Japan is likely to abandon many of its towns and villages. ...
by RetireJapan
Sun Jun 02, 2024 4:16 am
Forum: General
Topic: Accessing NISA Guide on via Gumtree
Replies: 1
Views: 64

Re: Accessing NISA Guide on via Gumtree

Thank you for preordering the new NISA Guide. It will be published on June 30, and you'll get a copy by email. You'll also get a free copy of any future editions :D

https://retirejapan.gumroad.com/l/sLEXJ
by RetireJapan
Sat Jun 01, 2024 3:20 am
Forum: General
Topic: Budgeting as a Couple - Advice
Replies: 4
Views: 143

Re: Budgeting as a Couple - Advice

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...
by RetireJapan
Fri May 31, 2024 4:10 am
Forum: Insurance
Topic: Life insurance vs inheritance
Replies: 14
Views: 383

Re: Life insurance vs inheritance

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.
by RetireJapan
Thu May 30, 2024 7:56 am
Forum: Stock market investing
Topic: NISA a bad idea for mortgage holders?
Replies: 16
Views: 720

Re: NISA a bad idea for mortgage holders?

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...
by RetireJapan
Tue May 28, 2024 10:56 am
Forum: New NISA (2024~)
Topic: NISA - portfolio for the longest term
Replies: 39
Views: 1554

Re: NISA - portfolio for the longest term

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 😀
by RetireJapan
Mon May 27, 2024 12:50 pm
Forum: Stock market investing
Topic: Ray Dalio Nikkei interview “ more inflation and higher gold prices”
Replies: 8
Views: 411

Re: Ray Dalio Nikkei interview “ more inflation and higher gold prices”

If you follow Ray Dalio on LinkedIn he posts frequent essays with his thoughts and predictions. I find them interesting but not particularly actionable :D
by RetireJapan
Sun May 26, 2024 9:28 am
Forum: Banking
Topic: Saving/Investing options
Replies: 4
Views: 281

Re: Saving/Investing options

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...
by RetireJapan
Sun May 26, 2024 12:17 am
Forum: Stock market investing
Topic: NISA a bad idea for mortgage holders?
Replies: 16
Views: 720

Re: NISA a bad idea for mortgage holders?

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...
by RetireJapan
Sat May 25, 2024 11:04 pm
Forum: New NISA (2024~)
Topic: NISA - portfolio for the longest term
Replies: 39
Views: 1554

Re: NISA - portfolio for the longest term

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...