RetireJapan

I'm not talking about timing the market based on day to day performance. More like, next January I'll compare the returns between all country and developed countries and say all country is doing way better, then I might put in a little money. Then if the trend continues, then I'll keep buying it. D...

So if you think about it, when retired, in a typical year, what and how much do you consume and how is that impafted by local and foreign markets. I think most basic products and services (except probably some food-related stuff) are local. Investing in e.g. TOPIX contains a smaller risk. That's th...

IDeco also pays out in many ways. A. Lump sum, B. Pension, C Mix. So you can pick the best strategy for yourself. I would not worry about currency fluctuations over the course of a 30+ year investment horizon. If you invest in an all-world and the USD gets very weak (let's say, within a single year...

IDeco also pays out in many ways. A. Lump sum, B. Pension, C Mix. So you can pick the best strategy for yourself. I would not worry about currency fluctuations over the course of a 30+ year investment horizon. If you invest in an all-world and the USD gets very weak (let's say, within a single year...

The all-world etfs have a currency risk. If the yen grows strong then you will lose purchase power. In my view, Japanese assets have a currency risk too - the yen itself. If the yen continues to weaken, then purchasing power may be lost (depending on whether Japanese stocks rise enough to compensat...

The funny thing is: your latter contributions have a higher net value because your rest life expectancy grows with your age. I.e. now, if you are 30, you might statistically live until 80 or so. But if you are 79, you statistically live until 90. (numbers are just examples). So, aside from tax consi...

To add one more thing: optimally, a yen hedged eMaxis All countries would be the better option for ideco, whereas a regular eMaxis All countries would be the better option for NISA, since hedging has a small price. But I don't think such a hedged emaxis exists, at least not for nisa/ideco accounts.

adamu wrote: ↑Wed Mar 27, 2024 6:22 am

Chizakura wrote: ↑Tue Mar 26, 2024 7:05 pm ETF

Just a nit: you are saying ETF when you mean Mutual Fund.
https://www.investopedia.com/articles/e ... erence.asp

That's correct, thanks. I'm lazy.

You can also mix them and use one in NISA and one in ideco. (better to use topix in ideco and all-world in nisa) May I ask your reasoning behind this? If I had to guess, I'd say it's because you consider the Topix slightly riskier, so it's better to play it on long-term, hence the iDeco, whereas th...

It depends a bit. Do you absolutely rely on this money to pay your rent etc. after you retire? If not, then you can take a bit of risk. I'd recommend either a very diversified, accumulating all-world ETF such as "emaxis slim all country" or a very domestically diversified ETF such as TOPIX...