NISA or Tsumitate Nisa? Help me choose

[MBK]

Is there a reason you don't want to do mutual funds for your wife as well?

If you want to have "play" money, you can just do it in a taxable account to get it out of your system.

Haha, read me well. Yes, there is a little bit of that eagerness to "play the market", though I`m doing my best to play it down.

So you would suggest going with index also for regular NISA? I mainly read about indexes in association with Tsumitate and more long-term investments, so that`s why I`m curious if mid-term options like NISA also make sense with same approach.

[zeroshiki]

Is there a reason you don't want to do mutual funds for your wife as well?

If you want to have "play" money, you can just do it in a taxable account to get it out of your system.

Haha, read me well. Yes, there is a little bit of that eagerness to "play the market", though I`m doing my best to play it down.

So you would suggest going with index also for regular NISA? I mainly read about indexes in association with Tsumitate and more long-term investments, so that`s why I`m curious if mid-term options like NISA also make sense with same approach.

I think mutual funds in Japan are the way to go. There's been a couple of calculations on this board about going for mutual funds with regular NISA and the answer is that with rollovers, its a viable strategy. NISA, whether regular or tsumitate, should be for your long term investments. The tax-free nature of it implies that you should go for the best returns with the least volatility which IMO is index funds.

[MBK]

Is there a reason you don't want to do mutual funds for your wife as well?

If you want to have "play" money, you can just do it in a taxable account to get it out of your system.

Haha, read me well. Yes, there is a little bit of that eagerness to "play the market", though I`m doing my best to play it down.

So you would suggest going with index also for regular NISA? I mainly read about indexes in association with Tsumitate and more long-term investments, so that`s why I`m curious if mid-term options like NISA also make sense with same approach.

I think mutual funds in Japan are the way to go. There's been a couple of calculations on this board about going for mutual funds with regular NISA and the answer is that with rollovers, its a viable strategy. NISA, whether regular or tsumitate, should be for your long term investments. The tax-free nature of it implies that you should go for the best returns with the least volatility which IMO is index funds.

Thanks for the reply. I will also look into these additional topics on the board. Mutual funds are certainly the most convenient of options, so that makes it even better.