JJapan Finance

Max out new NISA with lump sum in Nov 2025 or spread it out?

  • November 9, 2025

Debating whether to:

  1. Lump-sum all ¥3.6 M within Nov 2025.
  2. Split ¥1.8M over Nov and Dec 2025.
  3. Or just partial lump sum of ¥2.4M in Nov and then 200k monthly for first half of 2026.

Plan on contributing between 50-100k monthly after putting ¥3.6 M.

Background:

  • Mid-late 30s, income in yen, have 6 months of savings. Plan to leave NISA money untouched for at least 5 years as I'm applying for PR. Nervous because it is the first investment.

Questions

  • If doing full lump sum, does it matter how I max out the Tsumitate portion especially if the daily limit is 100k? Should I just set it to deduct 200k over 2 days and the remainder 1.1mil as a bonus deduction?
  • Beyond managing emotions, is there a practical reason to combine lump sum and DCA based on recent market environment and risk signals?

Any advice is appreciated. Thank you for your time.

by Quirky_Knowledge5711

7 comments

  1. Standard advice would be to put in as much as you can as early as you can.

    > If doing full lump sum, does it matter how I max out the Tsumitate portion especially if the daily limit is 100k? Should I just set it to deduct 200k over 2 days and the remainder 1.1mil as a bonus deduction?

    Sounds great if you can do that.

    > Beyond managing emotions, is there a practical reason to combine lump sum and DCA based on recent market environment and risk signals?

    Objectively no. Personally I see signs of a crash approaching, but they’re the kind of signs that have heralded 7 of the last 2 crashes, and even if there’s a crash coming it’s unclear that there’s anything better to do than invest.

  2. for tsumitate there should be a bonus option.

    be sure to properly set it before december especially if you plan to use credit card.

  3. Here is a another thought. If you think there is a crash coming then why even invest this year? There is no need to Max out NISA every year. Unlike old NISA the limit is now LIFE TIME limit which opens up if you sell assets later.

    So effectively it doesn’t matter much if you don’t max out every year.

  4. You can’t lump sum the 1.2m yen part, or at least Rakuten doesn’t allow you (only 100k yen per month). I tried to do the same this year a week or two ago since I don’t plan on touching that money for years and found out that.

  5. > Or just partial lump sum of ¥2.4M in Nov and then 200k monthly for first half of 2026.

    This is confusing. Are you contributing for 2025 or 2026?

    If you are contributing for 2025, there is only November and December when you can contribute. How much do you expect to gain or lose till year end? If you are jittery about market being high, wait till Dec and do lump sum.

    IMO, Upside is limited till year end, while downside risk is higher. Even if market goes up till year end, your gains will be very limited. Markets take stairs/escalators to go up and take elevator to come down.

    If you were deciding at the start of the year for 2026, spread out your investment over the year.

    The important thing is to utilize the yearly limit as much as possible. If you have 3.6m now, invest that by end of year so that you can do another 3.6m next year.

  6. From a practical standpoint, I think the cutoff to invest in 2025 NISA is like mid December. We should get emails soon about from our securities bank about it. So it’s better to get it done in November IMO.

    If you don’t care about maxing out 2025 specifically, then you can ignore this.

  7. Sorry to piggyback on this thread.

    Noob question about NISA: does the holder need to purchase an approved NISA ETF or can the cash just “sit” in the NISA?

    Asking this because I want to max out my NISA room for this year too

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