RetireJapan

It just occurred to me that it might be a good idea to continue maxing out tax-advantaged accounts after retirement, even if you have to sell investments from taxable accounts to do so.

So max out tsumitate NISA and iDeCo (to the extent of paying kokumin nenkin even if you could get an exemption for lack of income), selling investments in taxable accounts if you don't have enough income do comfortably do this.

Does that make sense? Am I missing anything?

RetireJapan wrote: ↑Tue Jul 20, 2021 8:33 am It just occurred to me that it might be a good idea to continue maxing out tax-advantaged accounts after retirement, even if you have to sell investments from taxable accounts to do so.

So max out tsumitate NISA and iDeCo (to the extent of paying kokumin nenkin even if you could get an exemption for lack of income), selling investments in taxable accounts if you don't have enough income do comfortably do this.

Does that make sense? Am I missing anything?

It seems to make sense, assuming the market is cooperating. There may very well be some years where you do NOT want to sell, but wait out the market.

In fact I am sure there may be cheaper alternatives now, as you started investing before the days of super-low fund fees.

However, I assume you will NOT actually retire and will have enough of a revenue stream to fill your monthly 68,000 ideCo and 33,333 Tsumitate allotments. z

All the FIRE retrospectives seem to suggest people hate not working at something.

Kanto wrote: ↑Tue Jul 20, 2021 8:49 am However, I assume you will NOT actually retire and will have enough of a revenue stream to fill your monthly 68,000 ideCo and 33,333 Tsumitate allotments. z

Gah, busted. Planning to pay fuka nenkin too, so my iDeCo + tsumitate will be a nice even 100,000