http://diamond.jp/articles/-/154533
Unfortunately the annual limits do not seem to have been increased this time -which would be much more interesting

Seems you have covered the topic already. Missed reading this post.RetireJapan wrote: ↑Fri Apr 13, 2018 11:52 pm Seems to be mainly a way of 'topping up' an account with the unused allowance -ie you are not allowed to front-load it by paying everything in January (the only slightly interesting option, in my opinion) but instead can overpay any unused allowance (so pay nothing Jan-May, for example, then pay 6 months' worth in June) later.