Search found 12 matches

by Zanuhesu
Thu Aug 25, 2022 5:39 am
Forum: Legacy NISA (~2023)
Topic: NISA change proposals
Replies: 109
Views: 21863

Re: NISA change proposals

QUESTION: If they remove the time limit on both general/new NISA and tsumitate NISA then why have both systems. Is it just because tsumitate steers people towards regular investing and "safer" investment products? I would venture both that, and, since they are getting rid of Junior NISA, ...
by Zanuhesu
Fri Feb 04, 2022 3:12 am
Forum: General
Topic: What is your Savings Rate?
Replies: 11
Views: 2143

Re: What is your Savings Rate?

Wife is currently back in university, so with one income, we saved 52% of our post-tax income last year. Trying to tighten the belt a bit on several expenses this year to try and up that a bit, but there's only so much left to save without increasing income, which will come once my better half gradu...
by Zanuhesu
Fri Jan 14, 2022 1:09 am
Forum: Legacy NISA (~2023)
Topic: Simple Q&A - NISA
Replies: 396
Views: 664526

Re: Simple Q&A - NISA

Can you contribute to your spouse's NISA? Is there any rule that says contributions must come from earned income from the account holder? Forgive me if the question has been answered elsewhere. I don't think there's any problem there, but I do believe this money is construed as a gift for gift tax ...
by Zanuhesu
Mon Nov 01, 2021 8:38 am
Forum: Spending and Frugality
Topic: water bills
Replies: 19
Views: 4061

Re: water bills

Just my wife and myself, we have consistently paid 1300 yen/month for water the past 2 years. We never use the bath, only shower, and haven't topped 10 m3 a month in years, which is apparently when we leave the 基本料金 zone.
by Zanuhesu
Thu Jun 24, 2021 8:18 am
Forum: General
Topic: Occupations: What do you do?
Replies: 86
Views: 25840

Re: Occupations: What do you do?

I do administration at a private university.

I did teach at university as assistant prof for a while, but it didn't look like I was going to be able to break out of the 5-year contract cycle and I wanted the permanent contract stability.

Lots of higher ed people here.
by Zanuhesu
Fri Jun 11, 2021 2:40 am
Forum: General
Topic: How much was your car?
Replies: 19
Views: 3046

Re: How much was your car?

First car: 400,000 Nissan March. Wife used it mainly, wrecked the engine with overheating because I failed to keep up with oil changes (apparently) Second car: 1,800,000 Vezel hybrid. Bought second-hand, driving this myself today, very happy with it. Great mileage for the size, special order full le...
by Zanuhesu
Wed Apr 07, 2021 2:34 am
Forum: RetireJapan
Topic: Please share this article
Replies: 11
Views: 8088

Re: Please share this article

You may want to make a quick correction. I should mention briefly that U.S. citizens do not have many suitable options for investing in Japan due to US tax laws and regulations. Most people find it easiest to invest with a U.S. f broker . More on that later. Not sure how the F snuck in there. Ah, t...
by Zanuhesu
Fri Feb 26, 2021 1:40 am
Forum: Legacy NISA (~2023)
Topic: nisa lumpsum or tsumitate nisa
Replies: 57
Views: 13705

Re: nisa lumpsum or tsumitate nisa

some questions on this-you can front load the tsumitate?(pay year amount in lump sum ahead of time?) out of interest what are you investing the taxable 100k in?? You can't entirely, but you can practically frontload almost the entire amount through the bonus system. Say you only pay into one fund, ...
by Zanuhesu
Thu Feb 18, 2021 12:35 am
Forum: Legacy NISA (~2023)
Topic: Simple Q&A - NISA
Replies: 396
Views: 664526

Re: Simple Q&A - NISA

But you can go with a bonus payment. Set up the minimum payment of 100 yen per month for each security you want to invest in, then setup a bonus payment for the next month that equals 400k - (100 * #securities * #remaining months). Could you explain more about this? Tried my head to understand it b...
by Zanuhesu
Mon Feb 08, 2021 11:58 pm
Forum: Legacy NISA (~2023)
Topic: Simple Q&A - NISA
Replies: 396
Views: 664526

Re: Simple Q&A - NISA

But you can go with a bonus payment. Set up the minimum payment of 100 yen per month for each security you want to invest in, then setup a bonus payment for the next month that equals 400k - (100 * #securities * #remaining months). Genius! I changed my next payment this morning to do just that and ...