RetireJapan

In a taxable account though, I'd probably give the ETFs the edge, since there is no way to get a tax credit for the US withholding tax paid by a non distributing Mutual Fund. I'm pretty certain most funds recovers those taxes internally. They changed the law in 2020 to prevent mutual funds from bri...

In a taxable account though, I'd probably give the ETFs the edge, since there is no way to get a tax credit for the US withholding tax paid by a non distributing Mutual Fund. I'm pretty certain most funds recovers those taxes internally. They changed the law in 2020 to prevent mutual funds from bri...

Choose the mutual fund. The spreads that a larger broker can get on USD/YEN are better than an individual investor can hope to get. It is all set and forget. No leaky NISA balloons! Keep those dividends in. For taxable? Pretty much a tossup, but Japanese funds are easier. Remember when you do go to ...

As I understand it, these inflation-linked bond funds only work if inflation rises more than expected. If inflation rises as expected, you lose out because regular bonds/bond funds are already discounted for inflation expectations, and the premium you pay for inflation protection from JGBi funds is...

Ah I guess one of those is this fund https://www.am.mufg.jp/pdf/koumokuromi/252189/252189_20231026.pdf So unlike a single TIP or JGBi, you are not guaranteed an amount at maturity. You get whatever the market thinks your fund is worth. I had a TIPs ETF but gave up as I figured the cost of inflation...

So....why bother? Most new research data {It may be worth considering an index that tracks inflation linked government bonds} Thanks I I have now moved part of my emergency fund out of cash and into JGBi. Are you going to hold them 10 years until maturity? I thought about parking some of my spare c...

Well my conversation went about as well as I expected. She laughed, she cried, she flipflopped, contradicted herself, dismissed my issues, tried the waterworks to get me to give up. Tried to say that she couldn’t have staff taking time off whenever they liked (despite that being illegal). I explain...

JGB'S = return free risk. Upside is meagre, downside is massive. Any sensibile long term investment portfolio is zero weighted in JGBs. I think "cash/cashlike positions" would do well in an Inflation indexed JGB bond fund. Better than a bank account. https://www.rakuten-sec.co.jp/web/fund...

TJKansai wrote: ↑Wed Apr 24, 2024 4:42 am 1,000,000 food

That seems high.... are they a professional athlete?

I guess it's algorithm can only allow so much variance in the portfolio because of my shortish time horizon (I'm going to start drawing my pension in a couple of years time ;-) I think I'll take Ben's advice and look at this ideco as simply one bucket into which I'll put something which has more up...