What is a New NISA account? Financial Services Agency Website
Many people are providing various explanations, but
the source of all information is the Financial Services Agency.
Let's trust the information from the Financial Services Agency.
Today's article contains none of my own comments,
and is a copy of the Financial Services Agency's website.
Everything below this point is a copy-paste from the Financial Services Agency ↓
What is NISA
Normally, when you invest in financial products such as stocks or investment trusts, a tax of approximately 20% is levied on the profits earned from selling them or on dividends received.
NISA is a system where profits earned from these financial products purchased within a certain annual amount inside a "NISA account (tax-exempt account)" become tax-exempt, meaning no tax is charged.
The nickname NISA (Nippon Individual Savings Account) was given as a Japanese version of the ISA (Individual Savings Account) modeled after the UK's ISA.
There are three types of NISA: General NISA and Tsumitate NISA, which can be used by adults, and Junior NISA, which can be used by minors.
General NISA allows you to purchase stocks, investment trusts, etc., up to 1.2 million yen per year, and you can hold them tax-free for up to five years.
Tsumitate NISA allows you to purchase certain investment trusts up to 400,000 yen per year, and you can hold them tax-free for up to 20 years.
Junior NISA allows you to purchase stocks, investment trusts, etc., up to 800,000 yen per year, and you can hold them tax-free for up to five years.
Details of each system can be viewed from the links below.
Note that in the 2020 system revision, it was decided that for Junior NISA, new account openings would be limited to 2023, and no new purchases would be possible from 2024 onwards.
Also, in the outline of the 2023 tax reform, a policy for the fundamental expansion and permanent establishment of the NISA system from 2024 onwards was indicated.
Key points of the new NISA
・Indefinite
tax-exempt holding period ・Permanent
account opening period ・Can be used in combination
with the Tsumitate Investment Quota and Growth Investment Quota ・Expansion of annual investment quota (Tsumitate Investment Quota: 1.2 million yen per year, Growth Investment Quota: 2.4 million yen per year, total maximum of 3.6 million yen per year can be invested.) ・The tax-exempt holding limit is
18 million yen in total. (Growth Investment Quota is 12 million yen. Also, the quota can be reused.)
Everything above this point is a copy-paste from the Financial Services Agency ↑
On the internet, there are many sites where YouTubers, who have no qualifications and take no responsibility—let alone being professionals or experts—are explaining the new NISA. Many of the thumbnails are excessive, designed to attract customers for the purpose of earning views.
Some YouTubers are correct and easy to understand. Therefore, I recommend that you watch them after you have internalized the official announcements from the Financial Services Agency.
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