I was living outside Japan for a number of years and returned a couple of years ago. We ended up getting a full home loan, so the savings we had set aside for a deposit are now available to invest. I’ve recently started looking more seriously at using NISA.
We’re both turning 50 this year, so starting later than ideal. The current plan is to invest 2.4 million yen each upfront, and then aim to continue contributing around 1.2 million yen per person per year going forward.
For allocation, I was initially considering going 100% into a global index fund (e.g. all countries), but I’ve been thinking about splitting it roughly 70% global, 15% Japan, and 15% emerging markets. I understand that global funds already include exposure to Japan and emerging markets, so I’m interested in how people here think about adding (or not adding) extra weighting to those regions—particularly when starting later and balancing growth vs. risk.
I’m also thinking about contribution strategy across two accounts. One approach would be to fund both accounts evenly each year, while another would be to prioritise maxing one account first and then move to the second. Curious how others here have approached this in practice and what considerations mattered most.
Thanks for any advice/insight – I edited this post with AI as apparently I was asking for professional advice.
by liveintokyo2022