JJapan Finance

Only doing NISA now. Not sure if I should also do iDeCo (already stuck with company DC…)

  • February 25, 2026

I’m currently investing only through NISA (using Rakuten Securities). I haven’t started iDeCo because honestly, I’m not sure about my long-term future in Japan. I don’t know if I’ll retire here or move to another country eventually, so locking money until 60 feels a bit risky.

However… I made a small “mistake” recently 😅

I chose to enroll in my company’s DC (defined contribution pension), and apparently I can’t switch it back to lump sum anymore. So now I’m already contributing there.

Given that situation:

  1. Do you think it still makes sense to open iDeCo on top of company DC or should I just stick with NISA + company DC and keep things simple?

  2. If I do open iDeCo, is it better to use Rakuten as well since my NISA is there? Or does it not really matter?

by __turu2