Hello, my husband asked me to post this question on his behalf since he doesn't have reddit. I apologize if I make a mistake in relaying the information!
My husband (a Japanese citizen) invested in non-NISA stocks (tokutei kouzai account, E-maxis slim) a few years ago because he had maxed out his NISA at the time. The value has gone up and now he says we're up about 500,000 yen on them.
He is wondering if it's better to sell them now, pay the 20% tax on the capital gains, and then reinvest back into NISA, or just hold them until whatever time in the future we actually sell them (retirement time I guess?).
It seems like we'd pay 20% either way so it probably doesn't really matter which we do… But maybe there's another reason it's better to sell or to hold now?
And a related question, he also has a small amount of US stocks that are in the same tokutei kouzai account, however these stocks pay a small amount of dividends. He's not sure if he can sell these and rebuy in NISA or not so he's checking on that now, but if he can, same question, better to just sell and stick in NISA now, or not worry about them until later? He says he likes getting the dividends on those, so he'd like to rebuy the same stocks back if he sold them.
Thanks for any help! 🙂
by scarreddragon28
