[Must-See for Investment Beginners] A Super Basic Guide to NISA and Securities Accounts! Could You Be Losing Out by Starting Without Knowing This?

"I'm interested in investing, but where should I start?" For those of you thinking this

"I've heard of NISA, but it sounds difficult..."
"I've opened a securities account, but I don't know what to do next."

For those of you stumbling at that "first step of investing," this article will

💡explain the basics of the "New NISA" that started in 2024 and the first steps to take after opening a securities account in a super simple way.

The biggest waste in investing is "starting without really understanding it."
Conversely, if you grasp the key points, "anyone" can start with peace of mind!

First, what you need to know! What is NISA?

NISA is "a beneficial tax-exemption system where you don't have to pay taxes on profits earned from investments."

Normally, there is a tax of about 20% on profits from stocks and investment trusts, but if you use a NISA account, that becomes zero!

[Summary of NISA Basics]

• Investment profits are tax-free

• There is an annual limit (up to 3.6 million yen from 2024)

• You can start at any time

• The tax-free period is indefinite (New NISA)

What's different about the "New NISA" that started in 2024?

With the New NISA, you can now use two types of quotas to invest more flexibly👇

■ Tsumitate (Accumulation) Investment Quota (1.2 million yen per year)

• For those who want to accumulate steadily every month

• Targeted at investment trusts suitable for long-term, diversified investing

■ Growth Investment Quota (2.4 million yen per year)

• Can also be used for lump-sum investments and individual stocks

• Also suitable for intermediate to advanced investors

▶ The two quotas can be used together, allowing you to invest up to 3.6 million yen per year tax-free!

What does it mean that "you lose out if you don't use NISA"?

For example, if you make a profit of 1 million yen from your investment...

• If you use NISA → Zero tax, so you keep the full 1 million yen in your pocket

• If you don't use NISA → About 20% tax is applied, leaving you with about 800,000 yen

👉 You can't afford to miss out on a difference of as much as 200,000 yen just from this!

5 Things You Should Do First After Opening a Securities Account

There's no point in opening an account if you just leave it alone!
You can rest easy if you just follow these steps first.

[1] Deposit funds (starting from 10,000 yen is fine)

• Start with an amount you are comfortable with ◎

• With Rakuten Securities, instant deposits from Rakuten Bank are convenient and fee-free!

[2] Activate your NISA account (Most important!)

• You cannot use NISA just by opening a securities account

• Be sure to "apply for a NISA account" to activate your tax-free quota!

[3] Decide where to invest (Beginners should start with the classics)

"If you're unsure, these are the ones!"

• eMAXIS Slim Worldwide Equity (All Country)

• eMAXIS Slim US Equity (S&P 500)

▶ These are excellent funds that offer the three key benefits: long-term, diversified, and low-cost.

[4] Set up automatic contributions (Automation is key)

• Set up automatic, fixed-amount contributions with an amount that works for you, such as 10,000 yen per month

• This allows you to continue investing steadily without being swayed by emotions

[5] Briefly grasp the basics of investing

• Hold for the long term (10 years or more is the standard)

• Diversify (one fund is enough)

• Keep going (don't get caught up in the ups and downs of the market)

👉 “Hands-off management” is the secret to investment success for busy people!

Summary | NISA and securities accounts are a “gift to your future self”

Investing isn't just for special people. By making good use of the “tax-exempt system” called NISA and an online securities account,
anyone can build assets to prepare for the future.

✅ 3 steps you can take right now:

• Open a Rakuten Securities account

• Set up your NISA account

• Start investment contributions with a small amount!

Why not take the first step now so you don't regret it later, thinking, “I wish I had started sooner…”?

🗨️ Are you already using NISA? Let me know in the comments!

💬 If you found this article “helpful” or “easy to understand,”
please give it a like or leave a comment!

• What motivated you to start NISA, or what were you unsure about?

• Share your experience, like “I chose this fund!”

• Questions like “I'm still worried…” are also very welcome!

Let's turn financial anxiety into "peace of mind and action" through interaction with fellow readers🌱
I'm rooting for your investment debut!

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