RetireJapan

Well, I'll have a go at 1. A simple 2-fund mix of All-Country stocks & developed bonds is a great way to go. As far as your overall balance between equities (stocks) & bonds goes, most people feel that the advice of your age or your age-10 in bonds is outdated and overly conservative (ie too...

I've been thinking about this topic's headline a lot lately. And maybe I should be moving my RRSP to Japan and putting my funds in NISA to grow tax free. Here is what I have come up with pros and cons. ... You should call the CRA help line to ask about this -- it's a pain in the ass with the time d...

On Rakuten you'll see a screen like this (on the buy/sell page and the holdings listing page): Image 時価評価額/評価損益 is your profit/loss. It's shown in yen by default; click on the % button to show as a percentage. In this case, the fund has gains (profit) of 23.37%. Capital gains tax is 20.315% of gain...

It would be nice to have a page about this on the wiki, because the explanation is not that complicated; it just seems that way when people have different underlying assumptions about how it works. If you just want to know how much capital gains tax you will pay when you sell some funds? On Rakuten ...

Yes, I'm contributing Y100,000/mo, so Y200,000 total in March, Y400,000 total for the year so far. So I don't think there's actually a monthly limit in either amount or number of contributions inherent to the tsumitate NISA system. The Y100,000/mo maximum is just part of the provider's interface.

At least with Rakuten. I had my tsumitate contribution date set to the beginning of the month, but I decided to change it to the middle of the month for various reasons. So around the 2nd week of march I changed the setting on Rakuten. I just assumed that the contributions worked on per-month basis,...

I’ve come to think of my emergency fund as part of my overall portfolio. Which may seem contradictory, as the whole point of an emergency fund is that it’s separate from your investments. But here’s how I see it. You have your traditional stocks/bonds target ratio. I think of it as growth/fixed. For...

Yatsushiro, I know a bit about this only because my own personal experience is similar to yours, not because I'm especially educated about these tax issues. First, I believe RRSPs are only a valid tax-avoidance instrument for residents of Canada. If your residency if going to change, you should find...

There are a few places to find this information. As is common with Rakuten & Japanese websites in general, there are multiple paths to get there and all of them are non-obvious. There's a screen specifically breaking down your capital gains taxes: Open "My Menu" (マイメニュー), click on &quo...

Quick beginner's question: When investing on Nisa, is there something with lower risk than an index fund (emaxis slim all country)? Well, all-country index funds are about as low-risk as you can get with equities. However, if you need/want lower risk, you could buy bond funds (債券) or balanced funds...