RetireJapan

But on saying all this....I'm livid with standard life total return after 25 years endowment payments. A poxy 33 grand after dropping in 75 pounds a months. Seriously, if this was a managed fund....I'd want to slap the manager for probably doing nothing. If he was any kind of a manager he could hav...

So what the "real difference" if I was to click the 特定 (とくてい). v 一般 (いっぱん) v T-NISA button? Are there any financial consequences if I just buy a spot What happens when you press the T-NISA button? I suspect it'll take you back to the Tsumitate NISA interface for you to make a regular purc...

I saw Ben speaking about financial literacy, and he mentioned that even when personal finance is taught at schools here, it is typically by using tools such as stock-picking games. My daughter, who is in junior high school, came home the other day with the prep for one of these lessons. She asked m...

Is it possible without moving into the catchment area of the school? I was under impression that only those who live in the area can attend public elementary and junior high. For our local city school you have to live in the area, but we have a couple of prefectural schools nearby open to anyone wh...

If i pay for my kids learn english probably will be at age 10...maybe they wanna learn chinese...the language my kids must learn is programming language, at home ill teach electronics. programming at begin using Python and if i see they like electronics ill teach C/C++, Assembly. IMHO in the future...

Private schools around us are pretty reasonable, but I'm hoping to send our son to a selective public JHS with an affiliated HS. Even though we're in a semi-rural area competition for the better public schools is still pretty fierce.

EmaxisSlim Cultist wrote: ↑Sun Nov 14, 2021 12:59 am One could up their equity allocation, and remain at 4% theoretically.

Because stocks are more volatile, safe withdrawal rates are actually lower for higher equity allocations.

My plan is to have a cash buffer and use a flexible withdrawal strategy.

According to Morningstar, a 4% withdrawal rate in retirement might be too optimistic. Because of lower projected stock and bond returns they're now talking about 3.3% instead, which means your investments should be 30X the amount you plan to withdraw each year. https://www.cnbc.com/2021/11/11/the-4p...

Are you talking about the SBI Net Bank?

According to this link, the foreign currency savings account is automatically opened when you purchase some of the target currency from within your SBI Net Bank account.

https://help.netbk.co.jp/faq_detail.html?id=5806

Really interesting thread here. I wonder if eMaxis Slim funds are doing this? https://www.reddit.com/r/JapanFinance/comments/qlkr51/double_taxation_on_japanese_etfs/ I don't think so. As far as I can see it only applies to funds that make distributions. https://www.jsda.or.jp/anshin/oshirase/files/...