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NISA definition
NISA is Japan's tax-free investment account scheme, formally the Nippon Individual Savings Account. It lets eligible residents hold approved investments and keep the gains free of tax within set limits.
A NISA account can hold approved products such as listed stocks, mutual funds, ETFs, and REITs, depending on the account type. Capital gains and dividends earned inside the account are exempt from Japan's investment tax, within the scheme's annual contribution limits. The New NISA framework, in force since January 2024, raised those limits and splits into a growth investment account and a tsumitate accumulation account.
NISA is a Japanese scheme and should not be confused with the UK's ISA or Junior ISA, which are separate accounts under UK tax rules. The name echoes the UK ISA that inspired it, but NISA eligibility, limits, and products are set by Japanese law and apply only to residents of Japan.
NISA Example
You invest JPY 1,000,000 in eligible mutual funds through a NISA account in Japan. The investment later rises to JPY 1,200,000.
Your capital gain is:
JPY 1,200,000 - JPY 1,000,000 = JPY 200,000
That JPY 200,000 gain is tax-free, provided the holding follows NISA rules and stays within the account's limits.
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