Hi all,
I’m a German student finishing my degree in Japan and will start working here next year. I’m planning my long-term finances between Germany and Japan and would appreciate advice.

My situation:

• ~€800k in stocks in a German brokerage (inheritance)
• Will max out NISA in the following years
• Switching to a working visa next year
• My mother plans to gift me most of her assets in the following years given the 10 out of 15 year rule regarding foreign assets taxiation

I have two main questions:

1. Keep everything in Germany or move part to Japan?

Germany has better tax conditions (no tax on unrealized gains). Japan taxes capital gains more heavily and may eventually tax foreign income.
For people in a similar position: is it wiser to keep the bulk of assets in Germany and only invest NISA in Japan? Or is there a benefit to moving more funds here?

2. The 10/15-year rule and visa choice

Foreign income becomes taxable in Japan after 10 out of 15 years of residency or if you obtain PR.
Given that I may receive more gifts from my mother in the next years, is it smarter to:

• stay on a working visa as long as possible (in case rules change), or
• aim for PR?

Not really a big fan of japanese tax laws, so I want to keep my money as far as possible from the zaimusho as possible.
Any experience or advice would be appreciated!