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YAML

NISA Investment Types - YAML

NISA (Nippon Individual Savings Account) is a tax-exempt investment system designed for individual investors in Japan. Since 2024, the new NISA system has been introduced with two investment frames: the Accumulation Investment Frame and the Growth Investment Frame. This article provides a detailed explanation of the types, features, and differences between the old and new NISA systems.

NISA Nippon Individual Savings Account tax-exempt investment accumulation investment growth investment asset building Japan 
- code: "01"
  slug: "tsumitate-investment-frame"
  name: "Accumulation Investment Frame"
  description: "A tax-exempt frame for investment trusts suitable for long-term, accumulation, and diversified investment."
  annualLimit: 1200000
  lifetimeLimit: 18000000
  investmentMethod: "Accumulation investment only"
  eligibleProducts: "Investment trusts and ETFs meeting FSA criteria"
  taxExemptPeriod: "Unlimited"
  targetInvestors: "Beginner investors, those seeking long-term management"
  applicablePeriod: "2024年〜"
- code: "02"
  slug: "growth-investment-frame"
  name: "Growth Investment Frame"
  description: "A flexible tax-exempt frame covering a wide range of products including individual stocks, ETFs, and investment trusts."
  annualLimit: 2400000
  lifetimeLimit: 12000000
  combinedLifetimeLimit: 18000000
  investmentMethod: "Both accumulation and lump-sum investment possible"
  eligibleProducts: "Listed stocks, investment trusts, ETFs, REITs, etc."
  taxExemptPeriod: "Unlimited"
  targetInvestors: "Experienced investors, those seeking flexible management"
  applicablePeriod: "2024年〜"
- code: "03"
  slug: "general-nisa-legacy"
  name: "General NISA (Legacy)"
  description: "The old NISA system until 2023. Up to 1.2 million yen annually with 5-year tax exemption."
  annualLimit: 1200000
  lifetimeLimit: 6000000
  investmentMethod: "Both accumulation and lump-sum investment possible"
  eligibleProducts: "Listed stocks, equity investment trusts, ETFs, REITs"
  taxExemptPeriod: "5 years (until 2027 at the latest)"
  targetInvestors: "Individual investors aged 18 and above"
  applicablePeriod: "2014年〜2023年（新規投資は終了）"
  note: "2024年以降は新規投資不可。既存保有分は非課税期間満了まで非課税。"
- code: "04"
  slug: "tsumitate-nisa-legacy"
  name: "Tsumitate NISA (Legacy)"
  description: "The old NISA system until 2023. Up to 400,000 yen annually with 20-year tax exemption."
  annualLimit: 400000
  lifetimeLimit: 8000000
  investmentMethod: "Accumulation investment only"
  eligibleProducts: "Investment trusts and ETFs suitable for long-term, accumulation, and diversified investment"
  taxExemptPeriod: "20 years (until 2042 at the latest)"
  targetInvestors: "Individual investors aged 18 and above"
  applicablePeriod: "2018年〜2023年（新規投資は終了）"
  note: "2024年以降は新規投資不可。既存保有分は非課税期間満了まで非課税。"
- code: "05"
  slug: "junior-nisa-legacy"
  name: "Junior NISA (Legacy)"
  description: "NISA system for minors until 2023. Up to 800,000 yen annually with tax exemption."
  annualLimit: 800000
  investmentMethod: "Both accumulation and lump-sum investment possible"
  eligibleProducts: "Listed stocks, equity investment trusts, ETFs, REITs"
  taxExemptPeriod: "5 years (tax-exempt possible in continued management account until age 18)"
  targetInvestors: "Minors aged 0-17 (account managed by parent/guardian)"
  applicablePeriod: "2016年〜2023年（制度終了）"
  note: "2023年末で制度終了。新規投資不可。18歳になるまでは継続管理勘定で非課税保有可能。"
- code: "06"
  slug: "tsumitate-frame-minor-2026"
  name: "Accumulation Investment Frame for Minors"
  description: "Accumulation investment frame for minors scheduled to be introduced from 2026."
  annualLimit: 600000
  lifetimeLimit: 6000000
  investmentMethod: "Accumulation investment only"
  eligibleProducts: "Investment trusts and ETFs meeting FSA criteria"
  taxExemptPeriod: "Unlimited"
  targetInvestors: "Minors under 18 (account managed by parent/guardian)"
  applicablePeriod: "2026年〜（予定）"
  note: "2026年度税制改正で導入予定。12歳から引き出し可能。"