RetireJapan

Can I add a different question into the mix? I (and also my business) use a Visa card, initially issued by a local bank. It still has an annual charge (which isn't much but more than 0!), and the exchange rates for overseas purchases are pretty awful. I'm wondering if such rates are uniformly bad, o...

I can't remember the actual number, I think it was actually closer to 6%.

But anyway, as a guaranteed return, I think I'll remain rather jealous.

Then again, I'm not sure I'd want to be living in the UK.

Thanks, haha. I see.

I was just speaking with my sister at the weekend in the UK. She just put a seriously large amount of inheritance money in something giving over 5%. So jealous!!

I'll be interested to hear answers to this.

My local inaka bank offers an incredible 0.001% (or something similarly magnificent).

But... I note you "fixed-term deposit accounts" comment: do these exist? (Well, ones worth bothering with). Sorry, sort of off-topic.

If the goal is to encourage investing, it should be as simple and clear as possible. Even though I had a fund in the UK that was set up several decades back and was doing extremely well, I still knew next to nothing about it. For several reasons, I decided it was time to understand. I was fortunate ...

Rather naively perhaps, I just decided that I didn't want to spend time thinking about it, especially as there seemed to be no good answer. After getting to a certain level of knowledge, beyond that seems like a waste of time (and emotional energy) to me. And the money would have been sleeping in th...

I went with the 'as quickly as you can' 1st in the end, both for the tsumitate part and the full amount for the other bit, with new yen.

Glad I did now.

One extra benefit is not having to think about it anymore.

entdark wrote: ↑Mon Jan 08, 2024 12:40 pm Software updates usually include security bug fixes, personally I wouldn't skip upgrades.

And always best to be sure you have data backups before doing it.

Would be interesting to see the thinking behind the 3rd and the round numbers!

In an effort to minimise faffing about, "invest the money as quickly as you can" seems to be my default go-to.

I'll probably stick to that.

Thanks.

In my ongoing series of possibly stupid questions... I'm setting up my NISA 2024 tsumitate to max out every month, but wondering what date to specify. I'm guessing there isn't but, just in case, thought it might be worth asking: is there traditionally any cunning strategy to consider for this? (For ...