NISA & 積立NISA Complete Guide 2025: Maximize Your Tax-Free Investmentsの最新情報と比較ポイントを紹介します。
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What is NISA & 積立NISA?
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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.
This article is for informational purposes only and does not constitute financial advice. Please verify all details with official sources before investing.