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Yen Sensei: Personal Finance in Japan

Johannes Mario

Investing, credit cards, money management, saving hacks, and much more for residents of Japan!

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Latest Issues

Credit card tsumitate is getting better!

DALL-E’s attempt to create a credit card tsumitate diagram.

Credit card tsumitate is a popular system to fill your investment account with a monthly recurring order that goes through your credit card. The main benefit is that you receive a...

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We’ve all heard of the miraculous Furusato Nozei. You send your money to other prefectures around Japan, they reward you with lovely gifts, and in exchange you pay less tax. While not without its critics1, the system is often praised for he...

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5 reasons why you shouldn't use foreign currency fixed term deposits in Japan

USD fixed term deposit advertisement by SBI Shinsei Bank

These days, it's very easy to come across ads for foreign currency fixed deposits (外貨定期預金 - gaika teiki yokin). The promises of 5% or even 10% annual interest rates are incredibly te...

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What index funds should you buy in your NISA?

So you have set up a broker and created a NISA account, and are ready to get started. But what should you buy? There’s so many different options available, it’s easy to get lost. Hopefully this post can help you narrow down the choices.

If...

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Japan's NISA tax-free investing account is getting much better in 2024

Executive summary: With the new NISA in effect starting January 2024, the investable amount limits are significantly increased, and the time limitation for tax-free growth has also been removed.

Introduction

In Japan, capital gains are...

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    Machine Learning Engineer based in Tokyo.

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