RetireJapan

I have a mortgage at a very low interest rate. I have investments which are growing at a much higher rate. I hope this will continue for another 20 years, but understand that there will be ups and downs along the way. Isn't this normal? Yes! That's what most (?) people do and what I assume I will e...

Deep Blue wrote: ↑Sun May 26, 2024 7:22 am If you are worried about interest rates rising the absolute last thing you should be doing is investing in JGBs whose value falls as interest rates rise.

Thanks! Yes, I've heard similar before. I can't say a 0.57% return is particularly attractive either

Consider the source. However, someone who cannot accept risk should not be investing. https://finvest.jp/ 松岡 賢治 Financial planner/money writer Born in 1963. Graduated from the Faculty of Law, Tokyo Metropolitan University in 1989. After working in the research department of a securities company, he...

So what’s your plan? Could you afford to see the investment portfolio go down 50% and still be able to keep servicing a variable-rate mortgage? Thanks! The plan (as such) is simply to stick to a mortgage that doesn't charge us more per month than we pay on rent now (we're (1) in Tokyo and (2) upsiz...

Really don't agree with this, at least for people who have a reasonable margin of safety with their mortgage payments. If any increase in your payments would put your finances in danger, you have an unaffordable mortgage :shock: How high are rates likely to go? From 0.29% (current lowest floating r...

Read an article (at the bottom; Japanese) recently saying that with the current rise in mortgage interest rates, it's a big risk for most households with mortgages to invest in NISA; rather they should be using that money to repay the mortgage and do any saving in government bonds. Thoughts? I'm pro...

Hi all, I'm guessing the answer is going to be No to the above, but thought I would ask on the off-chance. Have had a look through the forum but couldn't see this exact question answered. I work part-time for 3 universities and wonder if I can claim any deductions from my tax for work expenses relat...

Fantastic, thanks so much!

RetireJapan wrote: ↑Mon Mar 27, 2023 9:13 am Check out RJTV S01E03 for a quick summary of his presentation at a real estate event.

Sorry to bother you again but could you give me the title of that episode? Been looking on RetireJapan TV but couldn't seem to find the one you were talking about, sorry!

RetireJapan wrote: ↑Mon Mar 27, 2023 9:13 am We'll be talking to Emil Gorgees on RetireJapan TV on April 17. He has an agency in Tokyo that does this.

Check out RJTV S01E03 for a quick summary of his presentation at a real estate event.

Wonderful, thanks very much! I'll be checking that out very shortly