JJapan Finance

Investment Advice

  • October 31, 2025

I am in my early 30’s and started working in industry this year (wasted a lot of time in academia). I will have around ~200万円 in savings by the end of this year and planning to save ~350-400万円 from next year.

So I have never lived in my own house and my only mid-term (next 3-4 years) goal is to buy my own house. In western Tokyo it should be around ~6000万円 and for mortgage I would be able to get preferred fixed/non-fixed interest rate through my employer. So I am planning to save around ~1500万円 in next 3 years for downpayment and other expenses.

Now I have all my savings sitting in my SMBC bank account with inflation eating through it bit by bit. I have opened a NISA account at SBI, but am too sacred to invest since markets are at all time high and there is real chance for short term correction.

So, what is the least risky investment right now to get through next 6 months to 1 year? JGB bond rates are too low, Developed world bond rates are decent but there is risk of currency fluctuation.

Should I just keep my cash sitting in bank account or is there something else I failed to consider?

HELP ME!! 😅

by fuckmysadlife_69

4 comments

  1. If you’re unable to accept risks and need the money in the near term, cash is unfortunately the only option available to you.

    Also, even if you’re getting Japan bonds, if you’re able to, just put them in a NISA. I dunno if a NISA allows direct bonds, but you might be able to take up intermediate term composite Japanese bond index funds.

  2. Why not start investing small amounts regularly? Invest with cash that you can afford to lose, and familiarize yourself with investing while you are at it. You will still have the cash reserve if the market corrects itself. The market can always go higher, so unless you plan to pick stocks it’s advisable to just invest into the market steadily and forget about it.

  3. You can borrow up to 110% in Japan (the extra 10% is to cover fees and expenses) and with low interest rates it might be better to invest the downpayment and borrow the full amount. But of course that is something you will need to decide based on what you are comfortable with.

  4. Y60 million in west Tokyo would be a redonkulous house, very nice well-built homes are half that.

    If your time horizon is that short term, you have no real safe investment option.

    Even Jesus probably wasn’t too sacred to invest tho. Just sayin’.

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