The story of our family's savings, Part 59

~A word on the new NISA conspiracy theory~

A certain female celebrity on a TV show sparked a new NISA conspiracy theory by saying, "I don't do NISA. I feel like there's something fishy about what the government recommends."

Me: "Talking about the new NISA conspiracy theory, how ridiculous."

Wife: "What's the conspiracy theory? I don't think there's anything scary about NISA."

Me: "This is what the new NISA conspiracy theory being talked about in the streets is like."

[New NISA Conspiracy Theory ①] Suddenly withdraw the tax-exempt system and impose substantial taxation. Or freeze the securities account of the NISA account to offset Japan's deficit finance.

[New NISA Conspiracy Theory ②] Encourage many Japanese to invest in overseas assets such as US stocks, effectively channeling money to the United States, the de facto suzerain state.

[New NISA Conspiracy Theory ③] The Bank of Japan (BOJ) sells the ETFs it purchased, etc., and makes the Japanese investors invest for the exit strategy, then sells when the stock price goes up. Even if you do the new NISA, your assets will not increase, and there is a risk of loss.

Wife: "What are these people even saying? I don't understand the meaning."

Me: "I guess it's a story about people who don't invest, who are afraid of investing, who have an investment allergy."

Me: "People who have been investing and fully utilizing NISA don't say things like that."

Me: "The BOJ's ETF exit strategy is an interesting topic, but that would be impossible. With the new NISA, there is a lot of investment in U.S. stocks and global stocks, while ETFs held by the BOJ are Japanese stocks. It won't be an exit strategy, will it?"

Wife: "Didn't that celebrity also suffer heavy losses in stocks?"

Me: "It seems so. They must have been hit by the Lehman shock. Maybe that's where their investment allergy comes from."

Me: "We can ignore these conspiracy theories. This is what I think will happen in the future."

【My prediction for the future ①】Increasing taxes on taxable accounts. Currently, certain accounts are subject to about 20% tax on profits, but I predict that for the wealthy who exceed the tax-exempt limit of NISA, the tax will be increased by 25%, 30%, and 35%.

【My prediction for the future ②】Introduction of taxes and social insurance premiums based on asset holdings instead of income. Even people with large financial assets will have lower taxes and social insurance premiums if they have no income. I predict that this will be based on asset holdings, and people with significant assets will experience increased taxes and social insurance premiums.

Wife: "Your financial estimates are realistic and even scarier."

Me: "Ahaha, sorry sorry."

Me: "But it seems possible, right?"

Wife: "It seems possible, it seems possible. If we fully utilize NISA and iDeCo, we should be able to manage."

Me: "That's right, we should do something, right?"

Our household savings continue to grow.