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増額 option
Posted: Mon Dec 21, 2020 9:24 am
by Viralriver
Hey everyone - can anyone explain the zougaku option (attached screenshot)?
I was trying to change my NISA instructions to get ready for the new year, and saw this option when editing my current purchase request plan.
Re: 増額 option
Posted: Tue Dec 22, 2020 1:47 am
by OkiBum
There is no screenshot.
Re: 増額 option
Posted: Tue Dec 22, 2020 2:12 am
by Kanto
(Not certain on this)
Isn`t this like the Bonus feature? A one-time increase?
Re: 増額 option
Posted: Tue Dec 22, 2020 3:08 am
by fools_gold
Zougaku payments allow you to top up your regular tsumitate payments so that you can use your full 400,000 yen allowance. It's a bit different to the bonus which is a one time payment.
Re: 増額 option
Posted: Tue Dec 22, 2020 3:16 am
by Kanto
fools_gold wrote: ↑Tue Dec 22, 2020 3:08 am
Zougaku payments allow you to top up your regular tsumitate payments so that you can use your full 400,000 yen allowance. It's a bit different to the bonus which is a one time payment.
At that point, why not just cancel the reserve setting and remake it?
I suppose this is a convenience feature?
Re: 増額 option
Posted: Tue Dec 22, 2020 4:06 am
by fools_gold
Kanto wrote: ↑Tue Dec 22, 2020 3:16 am
At that point, why not just cancel the reserve setting and remake it?
I suppose this is a convenience feature?
I guess so. If you start your account part way through the year and do a monthly tsumitate you won't fill up the 400,000 yen just with your 33,333 yen monthly payments. So you can either fill up the rest with a bonus payment or choose to increase your monthly payments through zougaku.
I tsumitate daily and for some reason there's always a little bit left over that I can top up with zougaku. I'm not sure why, but it might be to do with fund holidays.
Re: 増額 option
Posted: Tue Dec 22, 2020 4:10 am
by Kanto
fools_gold wrote: ↑Tue Dec 22, 2020 4:06 am
Kanto wrote: ↑Tue Dec 22, 2020 3:16 am
At that point, why not just cancel the reserve setting and remake it?
I suppose this is a convenience feature?
I guess so. If you start your account part way through the year and do a monthly tsumitate you won't fill up the 400,000 yen just with your 33,333 yen monthly payments. So you can either fill up the rest with a bonus payment or choose to increase your monthly payments through zougaku.
I tsumitate daily and for some reason there's always a little bit left over that I can top up with zougaku. I'm not sure why, but it might be to do with fund holidays.
Daily Tsumitate? Is this an extreme form of dollar-cost averaging?