Search found 238 matches

by EmaxisSlim Cultist
Thu Jan 13, 2022 2:19 am
Forum: General
Topic: Spending in retirement poll
Replies: 19
Views: 1762

Re: Spending in retirement poll

[I expected to pay until 65, then reduce my work if need be, for a couple of years until my uk pension kicks in. My wife told me about paying an extra 400 yen a month to the JP pension service. Although I’m not sure how much I’d get back in return for that. I don’t know how all those people who wil...
by EmaxisSlim Cultist
Wed Jan 12, 2022 11:00 pm
Forum: RetireJapan for Dummies
Topic: Where to put my emergency fund
Replies: 10
Views: 1846

Re: Where to put my emergency fund

In my mind, there are two primary ways you can define what constitutes the "emergency" that you are keeping this money around for. The most common one is as a backup in case, say, you were to suddenly lose your job or have a (very) large unexpected expense (ie. USD10,000+). It's there to ...
by EmaxisSlim Cultist
Wed Jan 12, 2022 10:10 am
Forum: General
Topic: JP financial data source/API?
Replies: 4
Views: 700

Re: JP financial data source/API?

Perhaps you might find some of these link useful? (at the bottom).

It lists the research organizations that are connected to the TSE.

https://money-bu-jpx.com/etf/
by EmaxisSlim Cultist
Wed Jan 12, 2022 10:02 am
Forum: RetireJapan for Dummies
Topic: Investment Timing and Account Allocations?
Replies: 21
Views: 2779

Re: Investment Timing and Account Allocations?

I was a bit confused when you said before that the average volatility was 1-2%. You can see just by looking at the chart it's clearly much more than that. It seems we agree with the data, but have different conclusions. When in the accumulating phases either the hedged, or unhedged products reduce ...
by EmaxisSlim Cultist
Wed Jan 12, 2022 6:07 am
Forum: Insurance
Topic: Life Insurance Basics
Replies: 9
Views: 2502

Re: Life Insurance Basics

I don't want to make a new thread, so I am using this one. I had similar questions as expat2011 and the replies from everyone was helpful. I started by looking at what company insurance was available (I have a contract with Rakuten) and they do have an employee term life insurance plan. https://www...
by EmaxisSlim Cultist
Wed Jan 12, 2022 6:03 am
Forum: Spending and Frugality
Topic: Times Car Share
Replies: 25
Views: 6292

Re: Times Car Share

Would Times Car Share make sense for a week-long rental of a larger car (SUV or van)? Cheap K cars can be had weekly, but the bigger ones end up ¥8,000/day or more. It depends, is this a one-time thing? Then no, probably not worth paying 800 yen monthly. It is an ongoing thing? Perhaps, members als...
by EmaxisSlim Cultist
Tue Jan 11, 2022 2:40 pm
Forum: Banking
Topic: Credit card for retirees
Replies: 7
Views: 1283

Re: Credit card for retirees

bunbunaz wrote: Tue Jan 11, 2022 3:07 am I do still have one Saison credit card from when I used to live in Japan. As retirees is getting a credit card a no go in Japan?
This is an active card? That will help your case a lot.
by EmaxisSlim Cultist
Tue Jan 11, 2022 10:47 am
Forum: RetireJapan for Dummies
Topic: Investment Timing and Account Allocations?
Replies: 21
Views: 2779

Re: Investment Timing and Account Allocations?

Firstly, Vanguard's foreign bond offerings in Japan (through Rakuten) are also currency hedged. Secondly, the range of options open to US investors isn't really relevant. What we're talking about here is whether we should be concerned about currency risk or not. I view it as relevant. When you are ...
by EmaxisSlim Cultist
Tue Jan 11, 2022 1:12 am
Forum: RetireJapan for Dummies
Topic: Investment Timing and Account Allocations?
Replies: 21
Views: 2779

Re: Investment Timing and Account Allocations?

So, are you saying that the overall net effect of currency fluctuations would be zero? Do you have a credible source for this? My problem is that I've learned that currency risk is not good because it adds unwanted volatility. It is for precisely this reason that Vanguard only offer hedged foreign ...
by EmaxisSlim Cultist
Sat Jan 08, 2022 4:28 am
Forum: Legacy NISA (~2023)
Topic: jnisa age and tsumitate
Replies: 12
Views: 1463

Re: jnisa age and tsumitate

thanks to all i now have these accts set up.. just to ck how do i put money into the childs acct-is there a problem with it being a different name where the money will be sent from?) or is this not a problem..?? thanks Each child needs their own bank account. Take your koseki down to Yucho and open...