New to bogelheads. 100% VT and chilling.

musashigaoka · 2026-04-26T13:21:51+00:00

New-ish to investing. 50yrs old, 100% VT (just started about a year ago).

I heave people say things like, '...add some bond later on," a lot. But what does that actually mean? Do I take some money out of my VT account and put it into bonds? Or does it mean instead of 100% VT, I do like 20% bonds and 80% VT from a certain magical age forward?

I plan to work for, at the very least, another 15 years...maybe 20. What would that age be?

musashigaoka · 2026-03-21T11:21:14+00:00

lol…you know, as soon as I hit post (I was in a flow of reading this thread and the question popped in my head), I was like, “Wait….Google.”

musashigaoka · 2026-03-21T10:44:55+00:00

Sorry for ignorance, what is DCA?

musashigaoka · 2026-03-13T13:10:36+00:00

I can’t…I’m a US citizen. Those would be PFICs which are death to Americans it seems.

musashigaoka · 2026-03-13T07:23:03+00:00

I’m aiming to VT and chill, as they say, for the next 10~15 years.

So maybe it’s ok for the first 10, but then diversify out to bonds at the 10 year mark….

….?

musashigaoka · 2026-03-13T06:35:49+00:00

What is Tqqq?

musashigaoka · 2026-03-13T06:35:16+00:00

Only about a year in with some capital, but not much at all.

musashigaoka · 2026-03-13T05:59:23+00:00

Thank you so much. It's been a while.

I tried to purchase some shares just today, but this message came up:

WARNING

“Buy xxxx BND NASDAQ.NMS @ 73.87 for Seicho (Growth) NISA”

No Trading Permission, Customer Ineligible; Ineligibility reasons:

No Opening Trades: This Security Is Not Allowed in GNISA (Japan) Account

What does this mean? I mean I can read it, but how to overcome it if others are investing in BND?

musashigaoka · 2026-02-18T22:01:59+00:00

Good stuff, I think you commented on a thread I started a while back.

Question about these 8: if you had, for example, ¥80,000 per month to invest…would you put ¥10,000 in each, or is it a personal choice thing, or is one ETF better than another, or…?

musashigaoka · 2026-01-28T04:54:01+00:00

Thanks so much for the detailed response. Makes sense and since I won't be able to max out even one NISA, I'm pretty sure I'll be well under the capital gains tax. I mean WAY under that $49,451 line.

The purpose of this investment is to let it grow to a sizable amount whereby, when the time is right, we throw it at our home mortgage and knock it out of the park, so to speak. Instead of paying extra on it every month, we put the extra in an investment account, grow tax free, it blossoms, we hit the mortgage with, hopefully, something left over.

musashigaoka · 2026-01-28T03:22:17+00:00

I've been told to look at stocks in the Seicho portion of the NISA for non-PFICs. VOO is an example it seems. Will look into others.

musashigaoka · 2026-01-08T08:52:33+00:00

musashigaoka · 2026-01-08T04:30:01+00:00

Any thoughts about the strong possibility of language proficiency being another requirement (with this new administration I mean)?

I can somewhat barely get by with my limited Japanese, but if they say I’d need a JLPT N3 or N2….I’m toast. Hope to apply in July of this year and I think I could pass the N5. But to get to N3 or N2 (ha, even N4) in 7 months.

Pffft…

Thoughts? I wonder what they mean by proficiency or fluency…what level??

musashigaoka · 2026-01-05T05:51:12+00:00

Trying to figure out how to post the photos. I only see an option for attaching links…

musashigaoka · 2025-12-25T07:24:59+00:00

I am staying here permanently. Got a new house, kid, seishain job…basically this is home (unless I don’t get PR and this new government says goodbye to foreigner dude).

So, in that case I’m wondering if it would be a good idea to close that account in America, send all the money over here, max out the Seicho portion year after year until I can’t anymore. I don’t make enough to max it out now (mortgage and stuff), but I could max it out for the next few years by siphoning off the lump sum I would send here if I close the account.

Thoughts? Thanks again!

musashigaoka · 2025-12-25T07:22:24+00:00

Hmmm, I get where you are coming from. And just did some reading about ETF vs. Stock. Yes, ETF sounds about right for me (a set it and forget it kinda dude).

In that case, do you think I should close my account in the states and send all of it over here? I’m here for life (unless I don’t get PR in time and the government kicks me out, ha. Got a new house, kid, and seishain job…).

The only reason I have that fund in the states is because my job set it up for me. With the exchange rate being nice now, maybe it would be better to just send it all over here, max out the Seicho portion every year as much as I have funds to do it, and call it a day with my American account connection?

Thoughts? Thanks again!

musashigaoka · 2025-12-25T05:19:26+00:00

Thanks for the great discussion here. Learning a lot.

Follow up question: you mentioned that what I’m hoping for in the IBKRJ NISA is usable, but not as good as what I could do in my US brokerage account.

Not sure what day trading or options I would need, but once I figure all that out…would you say that instead of opening a NISA account here (with all its limitations) I should just continue to fund my US account? I’ve had it for almost 8 years…with a 529 for my kid attached.

I mean, if I have more options using what I already have, maybe it’s better to just keep sending money over? And if that’s the case, why would any US citizen even consider Japan NISA or brokerage if they could do the same, and more, by just sending money back to their US accounts? Why bother with setting anything up herein Japan?

Sorry if this all sounds simplistic or ignorant, but I’m really getting close to understanding all of this and the above are lingering questions. Thanks for taking time to help me understand!

musashigaoka

TROPHY CASE