A Financial Services Agency report found that annual NISA purchases by people in their twenties reached ¥1.2648 trillion in 2025, roughly 17 times the amount recorded in 2014, the year the program launched. On the forum, reactions ranged from skepticism about whether the data matches real-world experience, to wariness of future tax hikes, to worries that the sharply risen stock market could crash at any time.
Fri, Aug 21, 15:13 JST
Kyodo News
Annual purchases under the tax-free NISA (Nippon Individual Savings Account) investment program by people in their twenties reached ¥1.2648 trillion in 2025, about 17 times the figure from 2014 when the program began, the Financial Services Agency reported on the 21st. Younger generations are said to feel more anxiety about rising prices and the pension system, a trend believed to be pushing more people to invest as a hedge against the future.
Source: news.yahoo.co.jp / Original article here
I'm over 60 but I started too
it's actually pretty fun
it's actually pretty fun
>>8
Starting risky stocks at 60? How long do you think you're gonna live?
Starting risky stocks at 60? How long do you think you're gonna live?
Show me where they got this data
there's no way even 5% of twenty-somethings in Tokyo are doing NISA
there's no way even 5% of twenty-somethings in Tokyo are doing NISA
>>11
Nah, my hairdresser said the same thing, so it's probably true
they said young people are doing it a lot these days
Nah, my hairdresser said the same thing, so it's probably true
they said young people are doing it a lot these days
>>11
NISA accounts at brokerages are all linked to your My Number (Japan's national ID)
and each year, the tax-free allowance used per NISA account should get reported to the Financial Services Agency
so the FSA can easily tally usage by age group
NISA accounts at brokerages are all linked to your My Number (Japan's national ID)
and each year, the tax-free allowance used per NISA account should get reported to the Financial Services Agency
so the FSA can easily tally usage by age group
Not many people are set for retirement on pension plus severance pay alone
and Gen Z's pension is looking shaky too
and Gen Z's pension is looking shaky too
>>13
Still better to have time to prepare than get blindsided at the last minute like the junior baby boomers were
Still better to have time to prepare than get blindsided at the last minute like the junior baby boomers were
>>40
A lot of people mistakenly think NISA = stocks, but you can also buy bonds and REITs within your NISA allowance (via mutual funds).
Bonds are lower risk than stocks (since they're backed by things like government bonds).
A lot of people mistakenly think NISA = stocks, but you can also buy bonds and REITs within your NISA allowance (via mutual funds).
Bonds are lower risk than stocks (since they're backed by things like government bonds).
>>82
The Japanese government bond ETF I bought through NISA a year ago is down about 10% now
it just keeps falling as bond yields keep rising
The Japanese government bond ETF I bought through NISA a year ago is down about 10% now
it just keeps falling as bond yields keep rising
>>97
Damn, that's brutal
you'd have been way better off buying individual JGBs (retail government bonds) in a regular taxable account
Damn, that's brutal
you'd have been way better off buying individual JGBs (retail government bonds) in a regular taxable account
>>97
I really don't feel like buying Japanese government bonds these days…
though a ~10% drop is probably still within what the prospectus disclosed.
You did read the prospectus before buying, right?
I really don't feel like buying Japanese government bonds these days…
though a ~10% drop is probably still within what the prospectus disclosed.
You did read the prospectus before buying, right?
They keep saying stocks are at postwar highs, but
isn't a crash coming?
Prices have shot up like a rocket these past two, three years.
And what goes up like a rocket comes down like a rocket.
isn't a crash coming?
Prices have shot up like a rocket these past two, three years.
And what goes up like a rocket comes down like a rocket.
>>112
The whole point of dollar-cost averaging is that a crash doesn't matter
The whole point of dollar-cost averaging is that a crash doesn't matter
>>112
You gotta look at stock charts on a log scale, otherwise it's meaningless lol
You gotta look at stock charts on a log scale, otherwise it's meaningless lol
Stock prices are supposed to be an economic indicator, but
they're cooling down the real economy just to prop up stock prices
it's honestly such a dumb situation
they're cooling down the real economy just to prop up stock prices
it's honestly such a dumb situation
>>123
Not sure what you mean by 'the real economy,' but listed companies' profits are at record highs, so it's normal for average stock prices to rise
Not sure what you mean by 'the real economy,' but listed companies' profits are at record highs, so it's normal for average stock prices to rise
>>131
Though that's in dollar terms, mind you
Though that's in dollar terms, mind you
>>131
Wait, you seriously don't know what that means?
Real fancy economic commentator you are
Consumption, and the production needed for it — that's the real economy
Wait, you seriously don't know what that means?
Real fancy economic commentator you are
Consumption, and the production needed for it — that's the real economy
Aren't people mixing up NISA with index investing or something?
>>124
I think they mean doing index investing within the NISA allowance…
I think they mean doing index investing within the NISA allowance…
>>124
These days investing basically means index investing, so does it even matter?
These days investing basically means index investing, so does it even matter?
It's tax hikes and rising burdens everywhere — NISA is about the only tax shelter left.
>>151
Since when did you think NISA wouldn't get watered down?
Pretty sure it'll happen eventually
Since when did you think NISA wouldn't get watered down?
Pretty sure it'll happen eventually
>>199
Didn't Kishida let it slip once that they'd start taxing it?
Didn't Kishida let it slip once that they'd start taxing it?
They probably don't know that the tax rate was 10% up until 2014, and 0% before that. Back then the whole allowance was tax-free like NISA.
>>156
The past doesn't matter much, but
they've also decided to start taking insurance premiums from 2028
apparently it'll be phased in — starting with the elderly, then extending to the working generation too
The past doesn't matter much, but
they've also decided to start taking insurance premiums from 2028
apparently it'll be phased in — starting with the elderly, then extending to the working generation too
>>156
That was an outrageous perk for the wealthy (though the government probably also wanted to encourage investing). Rich people get hit with progressive income tax that takes half their earnings, yet back then capital gains tax on stock sales was capped at 10% — what a great era that was.
I got a bit of a benefit from it myself.
Even now the cap is 20%, so depending on the amount, it's still more favorable than income tax.
That was an outrageous perk for the wealthy (though the government probably also wanted to encourage investing). Rich people get hit with progressive income tax that takes half their earnings, yet back then capital gains tax on stock sales was capped at 10% — what a great era that was.
I got a bit of a benefit from it myself.
Even now the cap is 20%, so depending on the amount, it's still more favorable than income tax.
Is this
a sign of a huge crash coming?
a sign of a huge crash coming?
>>178
It's already dropped several times
look at the chart from last month, lol
It's already dropped several times
look at the chart from last month, lol
>>178
If you're in your twenties, you can bounce back even from a huge crash
if anything, that's exactly when to buy the dip (averaging down)
If you're in your twenties, you can bounce back even from a huge crash
if anything, that's exactly when to buy the dip (averaging down)
India is currently the least popular stock market in Asia among fund managers worldwide.
https://pbs.twimg.com/media/HQEmVjfbEAISkHY.jpg
↑
Indian stocks that were hyped up so much about ten years ago have ended up like this lol
Looking at the SENSEX and NIFTY 50, Indian stocks peaked years ago.
Meanwhile Japanese stocks, written off as a lost cause ten years ago, broke past the bubble-era Nikkei high of ¥39,000 in 2024, and hit ¥72,000 this June.
https://pbs.twimg.com/media/HQEmVjfbEAISkHY.jpg
↑
Indian stocks that were hyped up so much about ten years ago have ended up like this lol
Looking at the SENSEX and NIFTY 50, Indian stocks peaked years ago.
Meanwhile Japanese stocks, written off as a lost cause ten years ago, broke past the bubble-era Nikkei high of ¥39,000 in 2024, and hit ¥72,000 this June.
Feels like it's always Trump causing a big drop, then it bounces back again — over and over.
I'm in S&P and Oru-Kan (a popular Japanese all-world index fund), by the way.
I'm in S&P and Oru-Kan (a popular Japanese all-world index fund), by the way.
>>201
Couldn't you also say Trump's the one pushing it up?
Couldn't you also say Trump's the one pushing it up?
>>201
People whose understanding is stuck at 'feels like' shouldn't be buying mutual funds
People whose understanding is stuck at 'feels like' shouldn't be buying mutual funds
*This article is compiled from excerpts and a summary of the 5ch (Breaking News Plus) thread “[Investing] NISA Purchases by Twenty-Somethings Up 17-Fold Since Program’s 2014 Launch, as People Prepare for the Future”.
Leave a Reply