クレカ積立

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riro.invest
Newbie
Posts: 6
Joined: Tue Jan 09, 2024 4:06 pm

クレカ積立

Post by riro.invest »

Are you guys familiar with クレカ積立?

Im kinda confused if this only applies to NISA and if its can only be created to one company. For example: I have NISA in SBI. Im wondering if I can still set クレカ積立 in Rakuten.
zeroshiki
Veteran
Posts: 888
Joined: Thu May 27, 2021 3:11 am

Re: クレカ積立

Post by zeroshiki »

It just means tsumitate with a credit card.

To answer your questions:
1. It doesn't need to be NISA but its probably a good idea to use it there
2. All 3 of the popular low cost brokers have their own version of this and you can have all 3 (obviously only 1 for NISA).
Bonus1: Each broker has a card you need to use (Rakuten Card for Rakuten, SMBC card for SBI, Monex card for Monex)
Bonus2: You can only tsumitate 50k a month through credit card (Rakuten can do 100k with Rakuten cash)
beanhead
Sensei
Posts: 1214
Joined: Sat Jan 30, 2021 1:24 pm
Location: Kanto

Re: クレカ積立

Post by beanhead »

I do this with Rakuten and also with Monex.
Automatic, set and forget.
It is a great way to invest as long as you choose something sensible and low-cost.
Aiming to retire at 60 and live for a while longer. 95% index funds (eMaxis Slim etc), 5% Japanese dividend stocks.
Tkydon
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Posts: 1398
Joined: Mon Nov 23, 2020 2:48 am

Re: クレカ積立

Post by Tkydon »

You can only have one NISA with one company in any one year. You can change NISA Providers from one year to the next.

You can do クレカ積立 to a regular taxable Investment Account or a Tokutei (Taxable by Withholding at Source) Account, with the same or a different provider if you want, but not a second NISA.
:
:
This Guide to Japanese Taxes, English and Japanese Tai-Yaku 対訳, is now a little dated:

https://zaik.jp/books/472-4

The Publisher is not planning to publish an update for '23 Tax Season.
riro.invest
Newbie
Posts: 6
Joined: Tue Jan 09, 2024 4:06 pm

Re: クレカ積立

Post by riro.invest »

Thank you all for you reply. I decided to put my budget of index fund!!!
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