RetireJapan

I have a question about mortgage repayment. 10 years back, I have taken a mortgage for 25 years at a rate of 0.95, which has been refinanced to 0.85. Currently, I have around 15 years left with a rate of 0.85, however it`s a flexible rate, so there is a good chance it will increase in the near futur...

Thank you for suggestions, a trip to Tokyo it will be, it seems.

I wanted to change Euro into JPY to take advantage of this rate, though local exchange place (I live in Shizuoka City) accepts only up to 50 EUR notes. For 100 EUR notes, they offer only 90% of the rate, which is ridiculous. I tried a few banks but they did not offer change of EUR in JPY, only the o...

I have one question about repayment of mortgage. I will get into background a bit, so bear with me please. I took a mortgage when building a new house 8 years ago with a period of 25 years and rate of 0.95% ( I have managed recently to renegotiate the rate down to 0.82%). Recently starting the inves...

A small question in regards to NISA yearly allowance. It`s my first year of NISA, so I wanted to check whether I will be able to use the yearly allowance of 1,200,000 JPY immediately from 1st January? Or does it take some time for the allowance to "reset"? Yes, in theory. Bear in mind tha...

A small question in regards to NISA yearly allowance.

It`s my first year of NISA, so I wanted to check whether I will be able to use the yearly allowance of 1,200,000 JPY immediately from 1st January? Or does it take some time for the allowance to "reset"?

I have made further confirmations with the insurance companies to get a proper breakdown on the service fees as well as options of finishing the contract. The investment products are that of Pinebridge Investment and Fidelity and I`m enlisted in two active funds - Global(my primary) and US - chargin...

Is there any other demerit to these kinds of life insurance to keep mind on? Is term-life insurance the way to go? I think the benefit for these types of life insurance product is for people who really just don’t want to think about investing, and happy to delegate their own financial future to a l...

Thank you for reply. Is there any other demerit to these kinds of life insurance to keep mind on? You will be paying more, for a lot less.... These products are for those who have 0 risk tolerance for investing or special circumstances. I reckon this "pay more, for a lot less" goes for bot...

I have a question about whole-life insurance with investment aspect to it. I have been interested in getting into investing for a while, but did not really know how to get around to it, and since at that time, I was getting my insurance revised, the option of life insurance with investment caught my...