What attracted attention due to lifestyle changes such as the remote work of Corona was the growing interest in asset formation. Especially among young people in their 20s and 30s, the number of new NISA account openings has increased sharply.In such a situation, it can be said that it is the definitive edition of the NISA book that has just been picked up.“Choose the latest version of NISA from these 9”(Written by Haruhiro Nakano, Diamond) will be released on March 16th.In this series, for those who want to make long-term investment and asset formation using Tsumitate NISA, we will publish an excerpt from the same book on how to choose and buy Tsumitate NISA that will not fail.Even investment beginners who ask, “What is NISA?” Are okay. We will tell you from the basics in an easy-to-understand manner, so please do not hesitate to contact us.
The reason why “general NISA” was actively used was
He was an investor who bought and sold close to speculation !?
Although it is a time-limited legislation, it is a general NISA with a tax exemption limit of 1.2 million yen every year, but when the system actually started, a big irregularity occurred.
Perhaps the Financial Services Agency wanted to spread general NISA as an easy-to-use tax-exempt system for small investors who accumulate a fixed amount every month.
That is why we raised the tax exemption limit, which was initially 1 million yen a year, to 1.2 million yen from January 2016. As a result, we are now able to make a funded investment with a good amount of 100,000 yen every month. It was exactly a system revision to improve the convenience of those who make funded investments.
However, the result is that the use of general NISA by accumulation is less than 10% of the total number of accounts (Financial Services Agency “About Tsumitate NISA” June 2017).
In reality, it was investors who bought and sold more like speculation that actively utilized general NISA.
They do not have the idea of investing 100,000 yen each month within the limit of 1.2 million yen per year.
Leveraged ETFs that fluctuate twice, Blubea funds that make money by hitting the price up and down, small and medium-sized stocks that can be expected to increase in price in a very short period of time, etc. It was a completely different dimension from long-term asset formation, selling and receiving the gains from the rise without tax.
The Financial Services Agency has created a system that contributes to the formation of personal assets, but that feeling has been completely trampled.
