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Re: December - Top of your NISA ASAP.

Posted: Fri Dec 11, 2020 8:59 am
by hoshimo
Thanks! i'm using rakuten securities.
i'll take a look!

Re: December - Top of your NISA ASAP.

Posted: Mon Dec 14, 2020 1:11 am
by eagleyes
I am all done for this year as well ! :D :D

Same amount every month and maximize.

Re: December - Top of your NISA ASAP.

Posted: Wed Dec 16, 2020 4:32 am
by Roger Van Zant
Is there a penalty if you are unable to put in a full 400,000 yen for the year (tsumitate-NISA)?
I can only afford to pay in 120,000 per year, after maxing out my iDeCo.

Re: December - Top of your NISA ASAP.

Posted: Wed Dec 16, 2020 4:50 am
by RetireJapan
Roger Van Zant wrote: Wed Dec 16, 2020 4:32 am Is there a penalty if you are unable to put in a full 400,000 yen for the year (tsumitate-NISA)?
I can only afford to pay in 120,000 per year, after maxing out my iDeCo.
Nope, the only downside is not being able to take advantage of the full allowance. You have no obligation to pay anything into the account.

Re: December - Top of your NISA ASAP.

Posted: Wed Dec 16, 2020 7:02 am
by Kanto
RetireJapan wrote: Wed Dec 16, 2020 4:50 am
Roger Van Zant wrote: Wed Dec 16, 2020 4:32 am Is there a penalty if you are unable to put in a full 400,000 yen for the year (tsumitate-NISA)?
I can only afford to pay in 120,000 per year, after maxing out my iDeCo.
Nope, the only downside is not being able to take advantage of the full allowance. You have no obligation to pay anything into the account.
It is bonus season, so a lot of folks forget to top-off.

There is no obligation. I think you are doing things in the right order.

6 months cash savings ->Ideco -> Nisa -> Taxable.