Good evening to all. Looking for some outside perspectives from people investing long term while living in Japan.
I’m 37, permanent resident. This year I’ve invested ¥2.73M YTD into NISA (mix of tsumitate + growth, mostly broad index funds like S&P 500 / all-country).
That leaves about ¥870k of remaining annual NISA capacity. I have enough cash reserve to cover it, but I’m hesitating ever so slightly due to market timing concerns (untimely dip, etc.).
For context:
Last year, due to some personal and financial situations, I didn’t max the full ¥3.6M. That was a conscious decision, not lack of interest (I was between jobs and had a family matter to attend back in my home country).
This year my income is higher and more predictable, which makes planning much easier.
From 2026 onward, my plan is to contribute ~¥300k/month into NISA consistently. I have been doing so from August 2025.
Long-term horizon (15–20+ years), not planning to touch it until I withdraw bit by bit as I near/enter retirement.
My questions:
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If you were in my position, would you deploy the remaining ¥870k before year-end regardless of short-term market conditions?
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Do you prioritize fully using NISA capacity when you can, or do you prefer pacing even if some space goes unused?
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For those around this age group, how aggressively are you using the NISA limits?
Just curious how others think about execution vs timing in Japan.
Appreciate any answers and advice I may receive, thank you.
by Froyo_Muted