Expansion of NISA
Chief Cabinet Secretary Yoshihide Suga said at a press conference on the evening of the 24th that he would like to positively consider expanding the number of eligible people for the Nippon Individual Savings Account (NISA). He has already announced his intention to double the current annual tax exemption limit of 1 million yen, and he also mentioned the reduction of the target age, which is currently “20 years old and over”.
There was a report that.
I think NISA is a good tool for the asset formation of the younger generation, but it seems that the spread of NISA is not progressing.
I think there are various reasons, whether you feel that you are far from yourself or you are not interested in it, but to make a large amount of funds such as making individual pensions and purchasing your own home, and using NISA as an investment entrance. I think this is a very advantageous system for the younger generation.
As an example, if you think about the accumulation of investment trusts using online securities, you can leave it alone for a fixed amount every month, so you can save time and effort (it does not interfere with your main business), and the price is high. Then, in situations where small quantities and prices are low, it is possible to utilize a large amount of UNIT (dollar cost averaging method), it is easy to easily build assets because it can be done even from a small amount, and if you become familiar with investment with NISA as an entrance, you can improve financial literacy. I think you can expect it.
Also, if you are uncertain about choosing a stock (or have no time to do so), let us press the three points of no-load (free of charge), index fund (low trust fee and linked to the index), and distribution reinvestment type. You won’t miss it too much.
For example, if you think “It’s Japanese and Japanese stocks,” choose “Index Fund 225” as a pillar, or if you think “It’s an emerging country in the long run,” “eMAXIS Emerging Country Equity Index.” If you think that the center of the world is the United States, you can choose from “SMTAM Dow Jones Index F”.
Also, even if there are some fluctuations, if you have a long-term reserve, you can have a lot of UNITs in the situation where it has decreased, so I think that you do not have to be so nervous about volatility.
The points to be aware of when accumulating investment trusts over the long term are “costs (commissions / trust fees)”, “reasonable amount”, “don’t worry (think in the long run)”, and “choose a distribution reinvestment type”. If you are interested, you can take the plunge and start.
The younger generation can give time to their allies, so it is easier to use the “dollar cost averaging method” firmly, and I think that it is the most suitable generation to make effective use of NISA.
* When making an investment, be sure to make your own judgment and responsibility.
We are not responsible for any decisions made using this information.
By Admin|2014-07-26|2014,News Release|