RetireJapan

Hi, I'm 40 and married to a Japanese man. I do freelance but rely on my husband for insurance coverage. (扶養）
My freelance income is limited because I'm under 扶養 and also because freelance work is not constant every month.
I'm worried that I won't have enough for my retirement. I currently invest in one fund in Tsumitate Nisa.
Should I invest more? I'm already 40. Would it be high risk to put more into Tsumitate and have less cash flow?
My husband earns a stable income but I prefer to be more financially independent.

Whether it would be high risk or not depends on you and your husband’s attitude to your finances. As a dependent, you are by definition somewhat beholden to your husband financially, as the lack of obligation to pay nenkin and health insurance is saving you around 300k a year. And your husband will also be benefiting from the dependent tax deduction. My point is that under the dependent system your finances are interlinked, and with your husband likely to be building up a superior pension to yours through his shakai hoken, it doesn’t seem unreasonable if as a couple you decide that it is fair to build up more pension savings for you as an individual.

If your husband in amenable, invest your money to the max; iDECO, NISA, others, and live on his income.

If you're still together, he'll get the benefit when you both retire