RetireJapan

banders wrote: ↑Sat Dec 28, 2024 9:03 am
You mean instead of letting them move to taxable? I'm not buying any new stocks, and once these go back into NISA, I'll still have the tsumitate part for new investments.

What I meant was instead of not re-buying them at all.
I understand that you are just buying again what you previously had. But since there is no rollover, you have locked in your gain by selling them.
You are buying back now at the current price, $255 or whatever.

Hence my question, do you still see Apple having future growth opportunities even at that price? They have been amazingly successful since the launch of the first iPhone, but I just wonder if we should expect that to continue?
I also have some individual stocks in my 'old' NISA that I will have to sell and lock in that gain, and I am not sure whether to re-buy at their new, higher prices, or be more conservative and go for more index funds.

beanhead wrote: ↑Sat Dec 28, 2024 11:20 pm But since there is no rollover, you have locked in your gain by selling them.

This will be the case whether they sell or not.

beanhead wrote: ↑Sat Dec 28, 2024 11:20 pm

banders wrote: ↑Sat Dec 28, 2024 9:03 am
You mean instead of letting them move to taxable? I'm not buying any new stocks, and once these go back into NISA, I'll still have the tsumitate part for new investments.

What I meant was instead of not re-buying them at all.
I understand that you are just buying again what you previously had. But since there is no rollover, you have locked in your gain by selling them.
You are buying back now at the current price, $255 or whatever.

Hence my question, do you still see Apple having future growth opportunities even at that price? They have been amazingly successful since the launch of the first iPhone, but I just wonder if we should expect that to continue?
I also have some individual stocks in my 'old' NISA that I will have to sell and lock in that gain, and I am not sure whether to re-buy at their new, higher prices, or be more conservative and go for more index funds.

OK, got you. My average cost is $45. A couple of weeks ago I sold just over 100 shares in 2020's NISA at $247 (ATH at the time). Since then (naturally), they've risen to $255. I've set a limit order at $247 to continue with the same number of shares and will keep that for a few months, I imagine. It's gone up so quickly there must be a correction at some point in the near future. So, yes, I expect it to rise and for now am long term-hold 'n' wait. However, if the limit order isn't fulfilled in a few months, I will take that as a sign to start thinking about moving those funds to All Country at that time.

banders wrote: ↑Sun Dec 29, 2024 3:14 am
OK, got you. My average cost is $45. A couple of weeks ago I sold just over 100 shares in 2020's NISA at $247 (ATH at the time). Since then (naturally), they've risen to $255. I've set a limit order at $247 to continue with the same number of shares and will keep that for a few months, I imagine. It's gone up so quickly there must be a correction at some point in the near future. So, yes, I expect it to rise and for now am long term-hold 'n' wait. However, if the limit order isn't fulfilled in a few months, I will take that as a sign to start thinking about moving those funds to All Country at that time.

Good stuff. Well, you certainly made a killing buying them once.

I am a huge Apple fan. Just think they may be so large that significant growth will be difficult in the future.
If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

beanhead wrote: ↑Wed Jan 01, 2025 8:57 am...If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

My first mac was the original profile, an SE, about '89. RAM might have been 128k (256?) and it was the version with one floppy and a whopping 20MB hard drive. Dial up (modem mating call) era. Some time after that there was HyperCard.

beanhead wrote: ↑Wed Jan 01, 2025 8:57 am I am a huge Apple fan. Just think they may be so large that significant growth will be difficult in the future.
If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

AAPL is currently 67% of my stock/iDeCo/NISA holdings. If nothing changed except maintaining my monthly investments, that would be 54% when I hope to retire in 7 years. A large position. If you hold any stocks you should know their business and their financial condition very well. There isn’t anything to make me want to sell now. But you alluded to an important point for all older people holding individual stocks: if and when they should sell and move to index funds. My opinion is that Apple has a massive ‘moat’, increasing services sector, a large cash balance (stock buybacks!) and I see a great future, so I’m not considering selling just yet. YMMV

captainspoke wrote: ↑Wed Jan 01, 2025 11:38 am

beanhead wrote: ↑Wed Jan 01, 2025 8:57 am...If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

My first mac was the original profile, an SE, about '89. RAM might have been 128k (256?) and it was the version with one floppy and a whopping 20MB hard drive. Dial up (modem mating call) era. Some time after that there was HyperCard.

I used to have the SE/30, with a 40GB hard drive.

It used to freeze on a regular basis with a system error bomb icon. Somehow, even though I'd paid the equivalent of the price of a small car for that computer, the frequent errors never really bothered me. Insanely great.

I'll soon be receiving a lump sum from a property sale and have calculated roughly how much of it I'll need in order to completely fill my and my wife's NISA and iDeCo over the next four years (fortunately 2024 is already full).The options seem to be:

1. Keep it all as cash in a Japanese bank account.
Pros: easy; won't lose value (except for inflation); available to invest in a market crash / correction
Cons: won't gain value

2. Invest it in a taxable account which mirrors the NISA portfolio, then sell as necessary to re-buy in NISA.
Pros: easy; potential growth
Cons: might lose value; might not have enough to fill NISA; capital gains tax on growth

3. Invest it in a taxable account using a growth fund and a high-dividend fund, then sell as necessary to transfer it to NISA.
Pros: potential growth; losses will offset dividends for tax purposes; dividend income will help fill NISA
Cons: might lose value; might not have enough to fill NISA; a bit more complicated

4. Change it to another currency then back again when necessary.
Pros: growth due to interest
Cons: exchange rate risk; fees

5. Something I haven't thought of.

A combination of these is also possible.

So... which option looks good do you think? If "5", please elaborate! I understand there is probably no right answer, just wondering what others would do or are doing in this situation. Thanks.

If you would be able to fill the NISA anyway, then stick to your original NISA plan and do whatever you want with the new money.

If you won't be able to fill the NISA from other income, 2 sounds good to me. You can even set up automated monthly sell/buy orders to drip feed it in over the year.

2 for me.