Search found 12 matches

by Chris D
Thu Oct 31, 2019 2:20 pm
Forum: RetireJapan
Topic: Personal Finance Hacks in Japan
Replies: 12
Views: 7000

Re: Personal Finance Hacks in Japan

Purchasing coupon tickets for transportation (where a monthly pass wouldn't apply). Either in batches for regular travel directly from the ticket machine or individually from discount ticket shops at a slight mark-up. Different services have different systems but saving 25-35% on weekend or holiday ...
by Chris D
Wed Sep 25, 2019 12:46 am
Forum: iDeCo
Topic: iDeCo performance
Replies: 7
Views: 4038

Re: iDeCo performance

I've broken it down by fund:
DCニッセイ日経225インデックスファンドA - 4.20%
EXE-i 先進国株式ファンド - 2.82%
EXE-i 新興国株式ファンド - 0.08%
iFree NYダウ・インデックス - 3.10%

That's for 12 months, Oct '18 to Sep '19. Definitely time to get rid of those EXE-i funds I guess.
by Chris D
Wed Sep 18, 2019 1:57 pm
Forum: iDeCo
Topic: iDeCo performance
Replies: 7
Views: 4038

Re: iDeCo performance

That's a great point! AUD has certainly been weakening against the yen. I absolutely need to take that into consideration, thanks for the reminder.
by Chris D
Tue Sep 17, 2019 12:40 pm
Forum: iDeCo
Topic: iDeCo performance
Replies: 7
Views: 4038

Re: iDeCo performance

Thanks for the feedback. I bought a parcel of VANGUARD MSCI INDEX INTERNATIONAL SHARES ETF around the same time that I opened my iDeCo (late Jul) and that's done over 12% since (including divs). And my iDeCo should have been buying through the lows in Dec/Jan (monthly contributions) so I guess I jus...
by Chris D
Tue Sep 17, 2019 5:11 am
Forum: iDeCo
Topic: iDeCo performance
Replies: 7
Views: 4038

iDeCo performance

I'd just like to check in about my fund choices for iDeCo. I created my account about a year ago and I have been trying to follow the advice of just letting it do its thing. I logged in only a couple of times just to make sure money was going where it was supposed to and nothing obviously weird was ...
by Chris D
Fri Feb 22, 2019 7:13 am
Forum: Taxes
Topic: Submitting a tax adjustment
Replies: 9
Views: 2482

Re: Submitting a tax adjustment

I want to thank everyone for their advice. I followed it all, created spreadsheets to smooth things out, printed all my sources, even was able to explain about the tax I had already paid on my bank interest and get the appropriate deduction. I went to the tax office on Tuesday, had to wait 3 hours b...
by Chris D
Thu Jan 17, 2019 1:48 pm
Forum: Taxes
Topic: Submitting a tax adjustment
Replies: 9
Views: 2482

Re: Submitting a tax adjustment

Oooof. No, I don't sell anything abroad and all my funds are accumulation rather than distribution (because I didn't want to deal with tax stuff) :) I am not sure how much detail the tax office will want. In the comments on that post someone mentioned using a bank rate (as that tends be be better f...
by Chris D
Fri Jan 11, 2019 10:32 am
Forum: Taxes
Topic: Submitting a tax adjustment
Replies: 9
Views: 2482

Re: Submitting a tax adjustment

Thanks, I did read through that post. So I'll need the exchange rate for both the day of purchase and the day of sale? Is there an official source of exchange rates that can be used for this purpose? Also, I broke my sale up into two lots, that which is covered by capital gains and that which is not...
by Chris D
Fri Jan 11, 2019 3:13 am
Forum: Taxes
Topic: Submitting a tax adjustment
Replies: 9
Views: 2482

Submitting a tax adjustment

I'm looking to submit a tax adjustment at the tax office this year. Previously I've been able to have it done by my employer but my foreign income for 2018 is borderline on the 200,000 yen mark and I turned over my portfolio so I have a ton of capital gains to report. Also, I opened an iDeco last ye...
by Chris D
Tue Oct 30, 2018 5:13 am
Forum: Legacy NISA (~2023)
Topic: NISA account on SBI, tax options?
Replies: 6
Views: 1274

Re: NISA account on SBI, tax options?

Also check out step 4 from RetireJapan's Start Here post: http://www.retirejapan.info/blog/start-here The first step is to open the accounts. We recommend using the big online stockbrokers (Monex, SBI, Rakuten). You can open all the accounts with one company or spread them around. Most people shoul...