Translation guide
NISA (Nippon Individual Savings Account) is a tax-exempt investment account system in Japan. This guide explains how to refer to it in Japanese, including the account itself, related terms, and common expressions.
Referring to the NISA tax-exempt investment system or a specific NISA account.
The standard term used in Japanese. It is an acronym for 'Nippon Individual Savings Account' and is widely understood.
I want to start a NISA.
I'm investing through NISA.
Specifically means 'NISA account'. Use when you need to distinguish the account from the system.
I opened a NISA account.
The formal Japanese name for NISA. Used in official documents or explanations, but rarely in everyday conversation.
Referring to the different types of NISA accounts: General NISA, Tsumitate NISA, and the new NISA.
The original General NISA (before 2024). Allows investment in both stocks and funds.
The General NISA ended in 2023.
Tsumitate NISA, focused on long-term, regular investments in funds. The name comes from 'tsumitate' meaning 'accumulation'.
I'm making monthly contributions with Tsumitate NISA.
The new NISA system starting from 2024, which combines features of the previous types.
The tax-free allowance was expanded in the new NISA.
The 'growth investment portion' of the new NISA, for investing in individual stocks and funds.
The 'accumulation investment portion' of the new NISA, for regular investments in approved funds.
Common verbs and phrases used when talking about using a NISA account.
To start (using) NISA. A general phrase for beginning to invest through NISA.
I started NISA this year.
To open a NISA account. The formal verb for account opening.
You can open a NISA account online.
To manage/invest through NISA. Refers to the ongoing management of investments.
I'm managing index funds through NISA.
To make regular contributions through NISA. Often used with Tsumitate NISA.
I'm contributing 30,000 yen monthly through NISA.
To use the tax-free allowance. Refers to utilizing the annual tax-free investment limit.
Other terms often encountered when discussing NISA.
Tax-free. A key concept of NISA.
Profits from NISA are tax-free.
Investment. General term for investing.
Rollover. Transferring assets from an old NISA account to a new one (relevant for pre-2024 accounts).
Can I roll over assets from General NISA to the new NISA?
NISA is pronounced 'ニーサ' (nee-sa) in Japanese, not 'ナイサ' or 'ニサ'. The long vowel is important.
Avoid trying to translate 'NISA' into a Japanese phrase like '日本個人貯蓄口座'. The acronym 'NISA' is the standard term. Using the full formal name '少額投資非課税制度' is only for official contexts.
The NISA system started in 2014.
You can buy stocks in the growth investment portion.
The accumulation investment portion is up to 1.2 million yen per year.
I want to use the tax-free allowance to the fullest.
NISAは投資の初心者にもおすすめです。
NISA is recommended even for investment beginners.
Securities company/brokerage. Where you open a NISA account.
Which brokerage did you open your NISA account with?