[Supplementary Article] What to do with the money saved from reviewing your insurance? ─ Now is the time to start building assets with 'Tsumitate NISA'

When you review your insurance and find that you have saved 10,000 yen per month, how you use that money will significantly change your future peace of mind.

That is why we recommend utilizing the 'Tsumitate NISA' (the installment investment quota of the new NISA).

What exactly is Tsumitate NISA?

Tsumitate NISA is a system provided by the government to support 'long-term, installment, and diversified investment'.

It has the major benefit that any profits earned from steadily accumulating investments like mutual funds every month are tax-free.

Starting in 2024, it has been reborn as the 'New NISA' and renewed as follows.

✅ Key points of the New NISA (Installment Investment Quota)

• Annual investment limit: 1.2 million yen

• Lifetime investment limit: 18 million yen (of which up to 6 million yen can be in the installment quota)

• Investment gains are tax-free (for up to 20 years or more)

• Eligible products are low-cost, reliable mutual funds carefully selected by the Financial Services Agency

In other words, it is a 'super-preferential system' where you can accumulate 10,000 to 100,000 yen per month within a reasonable range, and the profits you earn are not taxed.

Why is Tsumitate NISA more effective than insurance?

Many insurance products claim to offer 'protection + savings,' but in reality, they generally involve 'high fees + low yields'.

On the other hand, if you utilize Tsumitate NISA, the image looks like this:

📈 [Example] Investing 10,000 yen per month for 20 years at an annual interest rate of 5%

→ Approximately 4.1 million yen (2.4 million yen principal + 1.7 million yen profit)

* This 1.7 million yen profit is completely tax-free!

Furthermore, it is also attractive that you can cancel during the investment period (depending on the product), providing high liquidity for your funds.

Who is this recommended for?

• People who have 'surplus funds' after reviewing their insurance

• People who want to save little by little for future education or retirement funds

• Investment beginners who want to start 'steadily' first

Getting started is easy!

1. Open a brokerage account (Rakuten Securities, SBI Securities, Monex, etc. are popular)

2. Apply for a Tsumitate NISA account

3. Choose products for monthly accumulation (balanced funds or global stock index funds are safe for beginners)

4. Set up credit card accumulation or automatic withdrawals, and you're good to go!

Summary

Insurance is for 'preparing for risks',

while Tsumitate NISA is for 'growing your future'.

If you are currently in a state where you 'don't know what you are spending and how much',

start by organizing your insurance and reviewing your household budget,

and gain 'proactive peace of mind' with Tsumitate NISA.

✅ Related Articles

→ 'Some people pay over 1 million yen a year!? The reality of Japanese people who love insurance'