RetireJapan

TBS wrote: ↑Thu Jul 21, 2022 12:37 am

TokyoBoglehead wrote: ↑Thu Jul 21, 2022 12:21 am

TBS wrote: ↑Wed Jul 20, 2022 3:02 pm
In a peerless feat of marketing, the edge of daily tsumitate in the example appears to come from the fact that a) the total amount invested via daily tsumitate is slightly higher, b) they are comparing against investments made at the end of the month, so the daily investments actually spend longer in the market.

In option B from your earlier post, which matches the total investment amount, comparing immediate monthly investments vs slightly delayed daily investments made over the following month, I suspect the answer may be different.

Most Tsumitates and sweeps do hit at the end of the month, to ensure the withdrawals happens after payday.

Yes, but in their monthly tsumitate example they are effectively sweeping at the end of the month, then buying at the end of the following month. They are holding onto the cash for a month doing nothing! It is nonsense.

TokyoBoglehead wrote: ↑Thu Jul 21, 2022 1:26 am I agree, the system is annoying. But is there a tsumitate / sweep setup that does not have a long delay to setup/start?

I was able to start ASAP, buy setting up this way.

a. Tsumitate funded by Sec account
b. Bank account sweep at the end of the month (Defaulted to this date, I couldn't seem to modify this)
c. Manual transfer of 1st months balance security account.

Bubblegun wrote: ↑Fri Jul 22, 2022 6:10 am ..........
So I have used up all my Nisa and TNISA, allocation for this year............

Bubblegun wrote: ↑Fri Jul 22, 2022 6:10 am I'll pop my question here.
So I have used up all my Nisa and TNISA, allocation for this year. So is it still worth putting money in those funds, even though they will be taxed on any profits?

gnakarmi wrote: ↑Fri Jul 22, 2022 6:44 am Am I missing something?

TokyoBoglehead wrote: ↑Fri Jul 22, 2022 6:58 am

Bubblegun wrote: ↑Fri Jul 22, 2022 6:10 am I'll pop my question here.
So I have used up all my Nisa and TNISA, allocation for this year. So is it still worth putting money in those funds, even though they will be taxed on any profits?

Of course it is still worth investing in a taxable account. Why would you think otherwise? Can you explain your logic?

Bubblegun wrote: ↑Fri Jul 22, 2022 8:02 am

TokyoBoglehead wrote: ↑Fri Jul 22, 2022 6:58 am

Bubblegun wrote: ↑Fri Jul 22, 2022 6:10 am I'll pop my question here.
So I have used up all my Nisa and TNISA, allocation for this year. So is it still worth putting money in those funds, even though they will be taxed on any profits?

Of course it is still worth investing in a taxable account. Why would you think otherwise? Can you explain your logic?

Well I don't have a ton of cash, like 100,000s of yen to drop in every month and I think I was just thinking of the tax, and wondered if it was really worth it. Of course I can see the benefits. But I just wondered if it really was worth it instead of waiting for next years NISA allowance. But as every one else say.... things seem cheap.Plus I always thought investing outside the NISA etc was more for professionals, reinforced by others who talk about 401Ks,ISA, NISA TNISA, but we dont talk much about buying funds outside these vehicles.

TokyoBoglehead wrote: ↑Fri Jul 22, 2022 9:11 am

Bubblegun wrote: ↑Fri Jul 22, 2022 8:02 am

TokyoBoglehead wrote: ↑Fri Jul 22, 2022 6:58 am

Of course it is still worth investing in a taxable account. Why would you think otherwise? Can you explain your logic?

Well I don't have a ton of cash, like 100,000s of yen to drop in every month and I think I was just thinking of the tax, and wondered if it was really worth it. Of course I can see the benefits. But I just wondered if it really was worth it instead of waiting for next years NISA allowance. But as every one else say.... things seem cheap.Plus I always thought investing outside the NISA etc was more for professionals, reinforced by others who talk about 401Ks,ISA, NISA TNISA, but we dont talk much about buying funds outside these vehicles.

Generally speaking, with some exceptions, one should follow the same investment plan throughout all their accounts.

If you have all the basics covered and a decent emergency fund, continue investing in your taxable account. Remember only the PROFIT is taxed.

Other countries have MUCH larger tax-free accounts also. Taxable investing is much more of a necessity in Japan imo.

Bubblegun wrote: ↑Fri Jul 22, 2022 10:47 am

TokyoBoglehead wrote: ↑Fri Jul 22, 2022 9:11 am

Bubblegun wrote: ↑Fri Jul 22, 2022 8:02 am


Well I don't have a ton of cash, like 100,000s of yen to drop in every month and I think I was just thinking of the tax, and wondered if it was really worth it. Of course I can see the benefits. But I just wondered if it really was worth it instead of waiting for next years NISA allowance. But as every one else say.... things seem cheap.Plus I always thought investing outside the NISA etc was more for professionals, reinforced by others who talk about 401Ks,ISA, NISA TNISA, but we dont talk much about buying funds outside these vehicles.

Generally speaking, with some exceptions, one should follow the same investment plan throughout all their accounts.

If you have all the basics covered and a decent emergency fund, continue investing in your taxable account. Remember only the PROFIT is taxed.

Other countries have MUCH larger tax-free accounts also. Taxable investing is much more of a necessity in Japan imo.

Thanks for that advice. I'll do that. In for a penny in for a pound...I suppose that should be yen. I'll just keep dropping I'm my regular amount into the e maxi fund plus any spare as a spot purchase. I suppose one part of my thinking that made me use up my allocation was the 20% drop in the S%P 500.
I suppose we never know where the bottom is but we know where the TOP WAS, so hopefully I would have locked in that 20% when it does go up.
It's just come to my mind that every time I read an article, watch a news program, or listen to some investor, they always talk about where the bottom is, even when they don't know where it is, but they never really talk about the TOP and buying to lock in those future gains. By always talking about the bottom, it just seems to make me a little anxious about putting in even more money, and probably it's a way for them to feel more powerful.
Trying to keep my thinking simple when investing sometimes has its challenges.