I’m 32-ys-o, not a Japanese or American. I’m currently working in Japan and plan to stay here for the next 5 years, I still have a wait-and-see attitude towards to PR/Naturalization.
My parents want to give me some extra money (about 3.5M yen) to manage, and I feel a little bit uncertain about how to use it.
Here are some details about my finiancial situation:
* My salary covers my living expenses, with a small surplus.
* I have a small savings, which should be able to support my living expensese for 3-4 months without job.
I have few ideas about how to use this extra money:
* Since I don’t plan to retire in Japan, I think I can skip the iDeCo?
* Use my monthly surplus to fill the TSUMITATE NISA quota.
* 2.4M goes to the NISA Growth Quota.
* Should the remaining 1.1M be put into a fixed-term deposit in USD?
I am really clueless in this. May I know your thoughts？ Any suggestions would be helpful!
Thanks in advance.
​
by nightfalllily1900