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What is NISA & 積立NISA?
NISA (Nippon Individual Savings Account) and 積立NISA are Japanese government-sponsored tax-free investment accounts designed to encourage long-term investing. Both allow individuals to invest in stocks, mutual funds, and ETFs with tax exemptions on capital gains and dividends.
Key Features
- Tax-Free Growth: No taxes on capital gains or dividends within the annual limit.
- Annual Contribution Limits: NISA: ¥1.2 million/year, 積立NISA: ¥400,000/year (as of 2025).
- Eligibility: Japanese residents aged 20+.
- Investment Period: NISA: 5 years, 積立NISA: 20 years.
How to Open a NISA/積立NISA Account
- Choose a licensed securities company or online broker.
- Submit required identification and application forms.
- Select your preferred investment products.
Recommended Brokers (Affiliate Links)
- [Rakuten Securities](https://www.rakuten-sec.co.jp/) - User-friendly, low fees, extensive fund lineup.
- [SBI Securities](https://www.sbisec.co.jp/) - Top-rated for beginners, robust support.
- [Monex Securities](https://www.monex.co.jp/) - Innovative tools, global access.
Best Practices for 積立NISA
- Diversify: Invest in a mix of domestic and international funds.
- Automate: Set up monthly automatic investments.
- Review Annually: Adjust your portfolio based on performance and goals.
Frequently Asked Questions
Q: Can I have both NISA and 積立NISA?
A: No, you must choose one per year.
Q: Are there risks?
A: All investments carry risk. Past performance does not guarantee future results.
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This article is for informational purposes only and does not constitute financial advice. Please verify all details with official sources before investing.