Wife got a promotion and a raise at work. We don't use much of her income as it is. She's currently putting 30,000 yen a month into NISA (through Rakuten banking).

But now that there's more excess income, I want to get her a dedicated investment account (probably Interactive Brokers?) that offers more control. Then have chunks of her paycheques automatically transferred on a schedule from her bank (MUFJ) and into the investment account (IBKR) and then also automatically invested inside IBKR.

• Is it possible? Anyone else doing this smoothly?
• What are some healthy ETF's that she could buy?
• Can she buy US ETF's? Or as a Japanese national, is she restricted to TSE?

I've invested quite a lot back home. But I'm a total noob when it comes to investing here in Japan. I just know that we should be putting this extra income somewhere better than a savings.

Any tips on how not to squander the opportunity would be greatly appreciated.

Edited: corrected NISA max contribution error

Hi there,

just found this article, which if true would completely derail my understanding of taxation of non remitted oversea capital gains as a non-permanent resident.

They distinguish between securities acquired before FY2017 and after.

For securities bought after April 1 2017 they wrote:

②-2 If you were a non-permanent resident at the time of acquisition:
Capital gains from the sale of such overseas securities fall under domestic source income and are taxed regardless of whether the funds are remitted to Japan.
The most important point is that if a person was a non-permanent resident at both the time of acquisition and the time of sale, the principle of remittance-based taxation does not apply to securities acquired on or after April 1, 2017.

And an example:

Case 2: Example of taxable income
While residing in Japan as a non-permanent resident in 2022, you newly purchased US stocks through a US brokerage account. You sold these stocks in 2025 using the same account. The profits from the sale are currently held in a US bank account.
Determination: Since the acquisition was made on or after April 1, 2017, and during your period as a “non-permanent resident,” the capital gains are considered domestic-sourced income (for Japanese tax purposes) and are therefore subject to taxation in Japan, even if there is no remittance to Japan.

So according to my understanding of this only non remitted oversea gains ate not taxable of bought before April 2017. Is that right?

EDIT:

The wiki has that indeed covered and what they wrote is right: WIKI

Hello, I recently moved to Kyoto as a student. Not earning in Japan via baito yet, but have foreign income from the UK, and therefore I believe I have to pay or at least file for remittance tax here in Japan.

How do I go about finding a tax accountant that can help file for 2026 in this area please (ideally familiar with UK taxation)?

Please help redirect if not the correct subreddit. Thank you. 🙏🏼