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.
NISAを始めたいです。
I want to start a NISA.
NISAで投資しています。
I'm investing through NISA.
Specifically means 'NISA account'. Use when you need to distinguish the account from the system.
NISA口座を開設しました。
I opened a NISA account.
The formal Japanese name for NISA. Used in official documents or explanations, but rarely in everyday conversation.
少額投資非課税制度は2014年に始まりました。
The NISA system started in 2014.
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.
一般NISAは2023年で終了しました。
The General NISA ended in 2023.
Tsumitate NISA, focused on long-term, regular investments in funds. The name comes from 'tsumitate' meaning 'accumulation'.
つみたてNISAで毎月積み立てています。
I'm making monthly contributions with Tsumitate NISA.
The new NISA system starting from 2024, which combines features of the previous types.
新NISAでは非課税枠が拡大されました。
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.
成長投資枠で株式を購入できます。
You can buy stocks in the growth investment portion.
The 'accumulation investment portion' of the new NISA, for regular investments in approved funds.
つみたて投資枠は年間120万円までです。
The accumulation investment portion is up to 1.2 million yen per year.
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.
今年からNISAを始めました。
I started NISA this year.
To open a NISA account. The formal verb for account opening.
ネットでNISA口座を開設できます。
You can open a NISA account online.
To manage/invest through NISA. Refers to the ongoing management of investments.
NISAでインデックスファンドを運用しています。
I'm managing index funds through NISA.
To make regular contributions through NISA. Often used with Tsumitate NISA.
毎月3万円をNISAで積み立てています。
I'm contributing 30,000 yen monthly through NISA.
To use the tax-free allowance. Refers to utilizing the annual tax-free investment limit.
非課税枠を最大限使いたいです。
I want to use the tax-free allowance to the fullest.
Other terms often encountered when discussing NISA.
Tax-free. A key concept of NISA.
NISAの利益は非課税です。
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).
一般NISAの資産を新NISAにロールオーバーできますか？
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.
NISA is recommended even for investment beginners.
Securities company/brokerage. Where you open a NISA account.
どの証券会社でNISA口座を開きましたか？
Which brokerage did you open your NISA account with?