RetireJapan

KCLenny wrote: ↑Mon Apr 05, 2021 10:03 am As far as I’m aware they are the same. The main issue is I don’t know how to get money in the account. Where on the website do I go? Or is there an app?

To transfer money into your account first log in to your Rakuten securities account, then click on マイメニュー in the top right corner. From there select 入金 to transfer money from your bank account.

Once you can access your securities account, in your home section, top page there is an orange button on the right for 入金. That is how you 'deposit' money into the Rakuten Securities account. It then offers you a choice of banks they can link with easily, as long as you can do online banking. Sending a standard transfer 振り込み is also an option but I haven't done that.
Also, if you set up a Rakuten Bank account at the same time you should link the 2 accounts with their money bridge service.

beanhead wrote: ↑Tue Apr 06, 2021 12:58 am Once you can access your securities account, in your home section, top page there is an orange button on the right for 入金. That is how you 'deposit' money into the Rakuten Securities account. It then offers you a choice of banks they can link with easily, as long as you can do online banking. Sending a standard transfer 振り込み is also an option but I haven't done that.
Also, if you set up a Rakuten Bank account at the same time you should link the 2 accounts with their money bridge service.

I didn’t do it the same time, but I do have a Rakuten bank account and their credit card.
When that deposits into my securities account, does that mean it’s in the NISA? Or do I have to specify to deposit into the NISA? (I set up a Tsumitate NISA at the same time as the Rakuten securities account and the Tsumitate is the main thing I want to use. But it’s asking me to select funds and I have no idea what I’m doing)

KCLenny wrote: ↑Tue Apr 06, 2021 1:15 am
When that deposits into my securities account, does that mean it’s in the NISA? Or do I have to specify to deposit into the NISA? (I set up a Tsumitate NISA at the same time as the Rakuten securities account and the Tsumitate is the main thing I want to use. But it’s asking me to select funds and I have no idea what I’m doing)

For the Tsumitate purchasing will be done automatically each month based on your choices of products and taken from your credit card or bank account - however you set it up (Rakuten card gets you points so that may be the best way?).
Yes you have to select funds for the NISA to start. There are a bunch of threads on this forum about which funds people prefer, and Ben also made a NISA guide.
Rakuten has a long list of over 170 products for the tsumitate, below.
https://www.rakuten-sec.co.jp/nisa/tsum ... ducts.html
Rankings are here:
https://www.rakuten-sec.co.jp/web/fund/

What you choose will depend on factors such as your age, your objectives (is this for retirement? for school fees for kids? etc), your attitude to risk.
There are a series of articles on the RJ blog also about the different kinds of investment product. Well worth checking out.

I could suggest this US fund https://www.rakuten-sec.co.jp/web/fund/ ... 90C000GKC6, which is popular, but it may not be suitable for you. Don't just blindly follow the advice of some anonymous bloke on the Internet!
So, do a bit more reading about stock funds vs bond funds, US-market vs All-World vs Emerging vs Japan market. And try to figure out what suits you best. That's my suggestion.