“Money is always eager and ready to work for anyone who is ready to employ it.”― Idowu Koyenikan

Tsumitate NISA

Tsumitate NISA is a tax-exempt system that supports long-term, installment, and diversified investment, especially from a small amount.You can invest in investment trusts that meet certain criteria, with an upper limit of 400,000 yen each year . Dividends and gains on sale (transfer gains) for up to 20 years from the year of investment are exempt from tax, and the 20.315% tax that is normally charged in the account is not charged. The total amount that can be invested tax-free is up to 8 million yen (400,000 yen per year x 20 years).


Residents aged 20+ (18+ from 2023)

Term of investments

20 years
For each year of investing, that year’s investments are tax free for 20 years

Maximum annual investment


tax exempt

Dividends/dividends and gains on sales of target products.

Investment options

Investment trusts that meet national standards. Mutual funds

Withdrawals possible?


Account opening period

Until 2042 start