RetireJapan

Tkydon wrote: ↑Fri Oct 28, 2022 1:57 pm See what I wrote about Compound Interest in this other thread

viewtopic.php?p=26616#p26616

trajan wrote: ↑Fri Oct 28, 2022 5:53 am
My issue is with the assumption. What has been your experience return-wise over the last few years?

beanhead wrote: ↑Sat Oct 29, 2022 8:53 am

trajan wrote: ↑Fri Oct 28, 2022 5:53 am
My issue is with the assumption. What has been your experience return-wise over the last few years?

In one of my accounts I have eMaxis Slim S&P500 and the All-Country (ex-Japan).
Started about 1 year ago, mixture of lump sum at a rather bad time, and monthly regular contributions.

S&P500 up almost 8%
All-Country (ex-Japan) up just over 6%

As mentioned elsewhere, part of this paper 'gain' is due to the weak yen.

trajan wrote: ↑Thu Nov 03, 2022 3:46 am

beanhead wrote: ↑Sat Oct 29, 2022 8:53 am

trajan wrote: ↑Fri Oct 28, 2022 5:53 am
My issue is with the assumption. What has been your experience return-wise over the last few years?

In one of my accounts I have eMaxis Slim S&P500 and the All-Country (ex-Japan).
Started about 1 year ago, mixture of lump sum at a rather bad time, and monthly regular contributions.

S&P500 up almost 8%
All-Country (ex-Japan) up just over 6%

As mentioned elsewhere, part of this paper 'gain' is due to the weak yen.

Sorry, I just do not get notifications for some reason.

And thank you for the details.

If 8% holds, that's a doubling over 15 years (pure compound interest and reinvestment). I wonder how much is lost to taxes.

Tkydon wrote: ↑Thu Nov 03, 2022 5:51 am

trajan wrote: ↑Thu Nov 03, 2022 3:46 am

beanhead wrote: ↑Sat Oct 29, 2022 8:53 am

In one of my accounts I have eMaxis Slim S&P500 and the All-Country (ex-Japan).
Started about 1 year ago, mixture of lump sum at a rather bad time, and monthly regular contributions.

S&P500 up almost 8%
All-Country (ex-Japan) up just over 6%

As mentioned elsewhere, part of this paper 'gain' is due to the weak yen.

Sorry, I just do not get notifications for some reason.

And thank you for the details.

If 8% holds, that's a doubling over 15 years (pure compound interest and reinvestment). I wonder how much is lost to taxes.

Nothing is lost to taxes until you sell.

If in normal accounts

If you sell at a loss, you can lock in or 'Harvest' the losses and off-set them against other gains to reduce or eliminate taxes on those gains.

If you sell at a gain, you will have to pay Capital Gains taxes at 20.315% of the Gain.

If in NISA

Nothing. There are not taxes on the Gains from a NISA.

If in iDECO

Nothing. There are not taxes on Asset Switches within the iDECO.