Filled Your 3.6M Yen NISA? Don't Make This Mistake With Your Extra Cash

Описание: Have you managed to max out your 3.6 million yen NISA allocation for 2025? Congratulations! But what should you do with extra money you still want to invest?

With the 2026 NISA allocation just a few months away, you face a common dilemma:

Invest that extra money NOW in a taxable (tokutei) account?

Hold it in cash and wait to invest it in your 2026 NISA in January?

In this video, we (RetireJapan) explore the pros and cons of both strategies. We discuss the importance of "time in the market" versus the psychological risk of investing when markets are at all-time highs. We'll also cover the "sell and rebuy" strategy if you choose to invest now.

Ultimately, the best choice depends on your personal comfort with risk and your long-term goals. This same logic can also be applied to investing a lump sum—should you invest it all at once or spread it out over time?

What would you do? Let us know your strategy in the comments!

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Disclaimer: This video is for informational and educational purposes only. It does not constitute financial, investment, or tax advice. Please conduct your own research and consult with a qualified professional before making any financial decisions.

Gear:

Sony ZV-E10 camera: https://amzn.to/3w6Xvlb
Sony ECM-B1 mic: https://amzn.to/3GPXOa8
Sigma 16mm 1.4 lens: https://amzn.to/3IAKR5c

#Japan #investing #personalfinance #retirement #lifeinjapan #naturalization #naturalizationprocess

0:00 - Intro: Maxed Out Your 2025 NISA?
0:19 - A Common Question from a Coaching Client
0:54 - Why You MUST Use NISA First (Tax-Free Investing)
1:14 - The Big Dilemma: Invest Now or Wait for 2026?
1:41 - Option 1: Invest Now in a Taxable Account
2:09 - The "Sell and Rebuy" Strategy for January
2:47 - The Counterargument: Markets are at All-Time Highs
3:23 - Why a Market Crash Isn't Always a Bad Thing
3:38 - Which Strategy Makes You Less Stressed?
4:06 - Option 2: Wait in Cash Until January
4:22 - Which Approach is Statistically "Better"?
4:50 - Analogy: Investing a Lump Sum vs. Spreading it Out
5:45 - For Most People: Just Keep Investing in NISA
6:00 - What Would YOU Do? (Let Us Know!)