interessanter Artikel zum Verhalten japanischer Privatanleger
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Der Ausdruck bezieht sich auf Menschen, die aus Angst vor der Zukunft NISA-Investitionen so sehr priorisieren, dass sie ihre täglichen Lebenshaltungskosten zu stark kürzen und am Ende in finanzielle Schwierigkeiten geraten.
Ein Mitarbeiter eines Unternehmens in den Zwanzigern sagte, er nutze NISA und investiere derzeit etwa 30.000 Yen pro Monat, was etwa 20 % seines Gehalts ausmache.
Die Aufteilung der in NISA investierenden Personen betrug 39,7 % für diejenigen, die weniger als 3 Millionen Yen verdienen, 27,7 % für diejenigen, die zwischen 3 Millionen Yen und weniger als 5 Millionen Yen verdienen, und insgesamt 67,4 % für diejenigen mit einem Jahreseinkommen von weniger als 5 Millionen Yen.
https://share.newsai.space/share/3b83ab71-e0ba-59f0-a7c3-84e2f10228dc/young-people-fall-into-nisa-poverty
16 Kommentare
Cool that they have money to put into Nisa.
>Katayama said she was somewhat shocked by the term, adding that it is extremely important for people to receive proper and objective financial education and life-planning guidance.
?? So Finance Minister of Japan wants young people to be lavish and spend all their money so they don’t have savings for their future?
My family invests ¥80,000 per month into NISA and ¥20,000 into U.S. and Japanese blue-chip stocks, for a total of ¥100,000 per month, which accounts for about one-fifth of our monthly income.
everything is fine while mkt are going up
Let me guess, there will be a slew of documents teaching people how to invest within their means.
Must everything be spelt out in bold letters?
People in their 20s making ~200,000 yen a month shouldn’t be saving or investing to begin with.
> 30,000 yen a month, which amounts to 20% of his salary
Ouch.
10-15% would be fine too, but nothing wrong with building a nest egg. Many young Japanese people live with their parents too so 30% may be feasible in some cases.
Bro, it’s not a problem, many do it because they like it, leave us be and gtfo maybe raise the limit, thank you
Is NISA a good thing to do?
I think it’s shit but also commendable. Not like me that put it all in the Hookers&Blow index and YOLO stocks.
I was investing 30man into nisa (10 for tsumitate and 20 for nisa) monthly last year and 5 man in a different stock account to buy some gold silver fund. Well I went too far with it and now I’m struggling. Especially when stock market is stagnant and I don’t wanna sell them cheap.
„You should save for your future!“
„No, not like that!“
Old fucks will find literally anything to criticize younger generations.
Afaik NISA has monthly and yearly limits, which do not change by age and so. When I started iDeco too my natural incentive was also to start as early as possible and max out because you lose tax otherwise. So in some sense, it seems to me that this is a policy design problem, as basically who have more disposable income for saving have more tax advantage. In Japan, because of the seniority based payment, it makes total sense to 我慢 this period, as you will be only contribute the max tax-free amount even when you would have twice the disposable income.
Am I just misunderstanding, or are these numbers yet another case of AI doing something really stupid?
>The breakdown of people investing in NISA was 39.7% for those earning less than 3 million yen, 27.7% for those earning between 3 million yen and less than 5 million yen, and 67.4% in total for those with annual incomes below 5 million yen.
It looks like the AI somehow saw that 39.7% people earning less than 3M invested in NISA, than at the next level up, 27.7% invested, and somehow concluded that the sum of these two *percentages*, 67.4 „%“, was the proportion of all people in these two groups that invested in NISA.
That kind of innumeracy is normally stamped out at the junior high school level.
That said, yes, of course younger people and working-class people are going to save and invest as much as they can, because in the past 10-15 years the government has shown that they don’t care at all about them and are content to let the top 10-20% pull away from everyone else.
> 30,000
> 20% of his salary.
Found the problem