Search found 128 matches

by pfdsa
Mon Feb 05, 2024 2:50 am
Forum: Case Studies/Asking for Advice
Topic: Advice: Keep investing on Nisa or not
Replies: 6
Views: 1395

Re: Advice: Keep investing on Nisa or not

Thank you all for the replies. Very insightful. Added some extra context. I'm buying emaxis slim all country and would need to pay the house in euros. Nobody knows if the exchange rate will improve in the next 5 years, but I'm feeling tempted to let the money sit on the Nisa account, and then withdr...
by pfdsa
Mon Feb 05, 2024 2:44 am
Forum: Stock market investing
Topic: Simple Q&A - Stock market investing
Replies: 249
Views: 128753

Re: Simple Q&A - Stock market investing

Index funds are by their nature very diversified, so good for lowering risk. EMAXIS slim all country puts your money into thousands of companies around the world (mostly the US and other developed markets though). Still, if equities globally meltdown, which happens every decade or so I guess, they ...
by pfdsa
Sun Feb 04, 2024 10:54 pm
Forum: Stock market investing
Topic: Simple Q&A - Stock market investing
Replies: 249
Views: 128753

Re: Simple Q&A - Stock market investing

Quick beginner's question:
When investing on Nisa, is there something with lower risk than an index fund (emaxis slim all country)?

EDIT: Will need the money in 5 years to buy an house in euros.
by pfdsa
Sun Feb 04, 2024 6:16 am
Forum: Case Studies/Asking for Advice
Topic: Advice: Keep investing on Nisa or not
Replies: 6
Views: 1395

Advice: Keep investing on Nisa or not

Hello everybody Context: I'm from Europe, been living here for about 7 years and my plan was to stay in Okinawa until the end. My wife and I always wanted to buy a house due to our hobbies and what we enjoy in life, but houses here just keep on getting more expensive and smaller, and are completely ...
by pfdsa
Mon Sep 04, 2023 2:54 am
Forum: Legacy NISA (~2023)
Topic: Simple Q&A - NISA
Replies: 396
Views: 665806

Re: Simple Q&A - NISA

Since I started my tsumitate NISA 2 years ago only checked it twice, so been away for a while from the forum... THIS IS THE WAY :D (eMaxis Slim All-Country still a fine option, they have lowered the fees a couple of times while you were away) Thank you Ben, as always :D That is great to know, will ...
by pfdsa
Mon Sep 04, 2023 2:34 am
Forum: Legacy NISA (~2023)
Topic: Simple Q&A - NISA
Replies: 396
Views: 665806

Re: Simple Q&A - NISA

My wife finally decided to open a tsumitate NISA account this year!
Is the emaxis slim all country still the index fund most recommended in this forum?
Since I started my tsumitate NISA 2 years ago only checked it twice, so been away for a while from the forum...
by pfdsa
Mon Oct 31, 2022 1:13 am
Forum: Spending and Frugality
Topic: Keeping a car in Japan for 20+ years
Replies: 29
Views: 15275

Re: Keeping a car in Japan for 20+ years

I been driving a 1988 pickup (Nissan with 235,000km) for the past 3 years. It is a diesel 小型貨物車(4ナンバー), so the annual taxes only cost around 17,000 yen. Plus, always do the User shaken and maintenance myself, so thats around 30,000 yen plus the parts that I need to replace. Therefore, if it is a Jap...
by pfdsa
Wed Apr 06, 2022 2:40 am
Forum: Spending and Frugality
Topic: getting keitai bill down...MVNO providers...
Replies: 19
Views: 9563

Re: getting keitai bill down...MVNO providers...

Sorry if this seems like a dumb question, but I am not sure how this all works exactly. I paid 3300 yen yesterday to have an old iPhone 6s unlocked by Softbank. Now, I am looking at companies like Iijmio for a cheap monthly deal. Do I just order a SIM card from their website, insert it into the old...
by pfdsa
Mon Mar 28, 2022 11:27 pm
Forum: Spending and Frugality
Topic: Reduce the grocery bill
Replies: 18
Views: 4854

Re: Reduce the grocery bill

have a son starting at uni in tokyo and was wondering how much is a reasonable amount to allocate for food a month. has own kitchen facilities.. is 2man too low?? Guess that different universities have different prices, but where I studied in Nagoya they had meals for less than 500 yen. Sometimes w...
by pfdsa
Mon Mar 28, 2022 11:13 pm
Forum: Spending and Frugality
Topic: getting keitai bill down...MVNO providers...
Replies: 19
Views: 9563

Re: getting keitai bill down...MVNO providers...

I use IIJmio too. Also, just learned how to pronounce it thanks to Captainspoke :lol: Have the 20 gb data plan, and pay around 2000 yen for it. Very satisfied with it. Was using LINE mobile before, changed to IIJmio and kept the same phone number. If you can read Japanese it`s very easy to do everyt...