JJapan Finance

In my case, what are my choices for my iDeCo, NISA, and 確定拠出年金?

  • May 25, 2026

I've been studying and working in Japan for about 22 years. I have maxed out NISA, iDeCo, and 確定拠出年金. I believe this iDeCo should have been merged into my 確定拠出年金, but I need to check what the current issue is. I plan to leave Japan within 2-3 years and move to Australia. I intend to live there until I die or retire in Indonesia. I'm single, have no kids, not divorced, and will turn 40 this year. My nationality is from an Asian country. I have no debt. I've been a regular employee with a salary, paying into the Japanese pension through my companies for over 15 years.

Here's my plan:

  1. Secure a job in Australia from Japan by the end of next year, most likely through an internal transfer.

  2. Liquidate all my investments, stocks, and RSUs by the end of 2027. I might keep the RSUs if possible.

  3. Move in early 2028.

  4. Transfer all my money from Japan to Australia.

  5. Rent forever or buy an affordable property.

Questions:

  1. What should I do with my NISA, iDeCo, and 確定拠出年金? I have quite a bit because I was lucky in the stock market.

  2. How much will it cost to transfer around 90 million yen, and what are the best methods? I prefer the cheapest option. I can split the transfer into smaller amounts if necessary.

  3. I believe I will receive a Japanese pension at age 65, around 1,400,000 yen per year. If I keep working until 65, I will also receive a pension from Australia. Is this correct?

by Successful_Crew_