Where should I put my money?

[notbreathing]

By the way, to put 0.02% into context. If you leave 1M there for a year, you would get 200 yen. Even at 0.1% you only get 1000 yen (790 after tax). Hardly worth thinking about. You could achieve the same by skipping a couple of cafe visits (one one visit, if it's Starbucks)

Holy shit. I've been miscalculating my percentages and thought that it'd be 20,000 interest. I wish. Thanks for the heads up

I'll look up on ways to increase the interest rate. I've tried linking the accounts but the names were different so they refused. I've sent in an application to change by name and its still 手続き中。Same with trying to link MoneyBridge, so I guess I just gotta wait it out. My name is long and usually doesn't fit into the spaces so this sort of thing always happens.

[notbreathing]

I think having to suddenly move/change jobs is what really catches people here. It can easily require 6 months + of savings. You just need so much cash suddenly, all at once. And you might not have an income stream for a few months.

I have seen it happen, and I believe we had a poster panicking about that a few months ago. (They said they HAD burned through six months savings in this scenario).

I think I'm most afraid of a natural disaster where ATMs stop working and only cash works. Low chance of that happening but I've been watching too many films

I doubt I would get fired, but wanting to change jobs and/or move houses is foreseeable. I do want to buy a home here so I'm looking to invest with what I have in the mean time. Totally willing to withdraw and sell my funds when the time comes.

[Haystack]

I think having to suddenly move/change jobs is what really catches people here. It can easily require 6 months + of savings. You just need so much cash suddenly, all at once. And you might not have an income stream for a few months.

I have seen it happen, and I believe we had a poster panicking about that a few months ago. (They said they HAD burned through six months savings in this scenario).

I think I'm most afraid of a natural disaster where ATMs stop working and only cash works. Low chance of that happening but I've been watching too many films

I doubt I would get fired, but wanting to change jobs and/or move houses is foreseeable. I do want to buy a home here so I'm looking to invest with what I have in the mean time. Totally willing to withdraw and sell my funds when the time comes.

Gotcha,

But I doubt most people who are let go, "expect" to be let go.

And these situations in Japan come in sets. A natural disaster could very well trigger them.

I doubt anyone would have wanted to draw down during the Lehman shock or Corona shock period.

However risk tolerance are different, and having a Japanese spouse tends to make people hold more cash as a compromise for different investing attitudes.