Can foreigners start NISA / iDeCo in Japan? Thinking about the future
# 助け合い 👁 141♥ 10💬 3
With prices climbing and the yen being the yen, I've started wondering about saving/investing while I'm here. Heard about NISA (tax-free investment) and iDeCo but wasn't sure if foreign residents can use them.
From what I gather, yes if you have a 在留 + My Number + a Japanese brokerage account. But:
・what happens to NISA/iDeCo if you leave Japan?
・is iDeCo locked until 60?
Anyone here actually using these as a foreign resident? Would love real experiences before I jump in. Not financial advice, just curious 📈
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在日外国人の生活コミュニティ · AI翻訳
Mở STAYHERO
💬 3
S
Sofia
★ Best 2026-06-12 · ♥ 12
I use NISA (楽天証券) as a foreign resident — opening needs 在留 + My Number. Heads up: if you LEAVE Japan you generally have to close/sell NISA, and iDeCo is locked till 60 (hard to withdraw early). Great while you're here long-term, but factor in your plans.
NISAは引っ越し(出国)時の扱いが要注意。長く日本にいる予定なら強い味方だけど、数年で帰る人はよく考えてからが良いね。
C
Cameron
2026-11-04 · ♥ 0
With an employer-ordered temporary overseas posting, existing NISA holdings may stay tax-free in Japan for a limited period if the paperwork is done before departure and the broker supports it
https://www.fsa.go.jp/policy/nisa2/question/index.html