投資

2024年 新NISA制度へむけて

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2022年12月25日 日曜日の朝は晴れて気持ちの良い天気です。本日の予想最高気温は13度。昨日も同じくらいだったのですが日差しがあり洗濯物が喜んでました(^^

昨日買い物に出たのですがいつもは10時過ぎに行くショッピングモールがお昼前とあってか家族ずれでにぎわっておりました。数時間違うだけで人の数が大きく違うようです。

衣料品をあれこれ見たのですが選択肢がたくさんありますね。ユニクロ、GU、無印良品、H&M、GAP。。。ファストファッション系だけでもいろいろ悩めまる幸せ。昨日の発見はユニクロのヒートテックは長袖だけでなく半袖もあるという事。確かにオフィスワーカーの場合ベストやチョッキで仕事をする場合もあるので袖はいらないという。体幹だけ半袖のヒートテックで温めておいてセーターやカーディガンで調整すればよいニーズもあると思います。少し気になるアイテムです。

最近オフィスで薄手のベストを着ている方が多いのでその辺も見てみると、断熱素材はダウンだけでなくポリエステルもあるんですね。あったかくなるポリエステル。ダウンは以前当ブログでも記事にしましたが、クリーニング代が結構かかるという暖かさの代償があります。その一方でポリエステルなら洗濯が気軽にできるメリットがありますよね。暖かさの違いはいくらかあるかもですが、便利さが気になります。ユニクロか無印良品で遠くならない将来挑戦したいなと思いました。

最近、地方自治体によってさまざまな消費促進キャンペーンをやっておりますね。自宅のある地域ではプレミアム商品券を発行してます。制度の内容は住民票のある人に最大で6万円分の商品券を5万円で買え、半年以内の期限に使ってもらうというもの。今住んでる地域では対象期間内のレシートを送ると20%分指定口座に返金されるというものがあります。

消費税アップ、値上げで冷え込んだ消費を何とか上げようと各自治体がんばっております。国の方はガソリン代や光熱費を補助した入り貯蓄から投資へという事で新しいNISA制度を発表しました。解説はYoutubeなどでも盛んにされているのでそちらを見た方も多いと思います。よいほうのサプライズとしてすでに投資に積極的であった人たちの間では特定口座をリセットして(売ってしまい)新制度のに全力投資!などのささやきも聞かれます。確かに税金のことだけを考えればその通りで反論の余地はないのですが、問題は市場動向です。

為替ドル円が今年の急展開で泡を食った人たちがいるように株価、債券もなかなかの暴れん坊?となるときがあります。2023年は新制度移管の準備期間と心得て2024年新制度へ臨みたいところです。NISAは損益通算ができないことを鑑みた投資戦略が肝要かと。

Toward the New NISA System in 2024

December 25, 2022 Sunday morning is sunny and pleasant. The forecast high for today is 13 degrees Celsius. It was about the same yesterday, but there was sunshine and the laundry was happy.

Yesterday, I went shopping at a shopping mall where I usually go after 10:00 a.m., but it was crowded with families just before noon. It seems that a few hours difference in time makes a big difference in the number of people.

I looked at many clothing items and found that there were many choices. Uniqlo, GU, Muji, H&M, GAP. I am so happy to be able to choose from a variety of fast fashion items alone. Yesterday I discovered that UNIQLO’s HEATTECH is available not only in long-sleeved but also in short-sleeved versions. It is true that office workers sometimes work with vests or vests, so they don’t need sleeves. There are needs where only the trunk can be kept warm with the short-sleeved HEATTECH and adjusted with a sweater or cardigan. This is an item I am a little concerned about.

Many people are wearing thin vests in the office these days, so I looked at that as well, and I found that insulating material is not only down, but also polyester. Polyester to keep you warm. Down has the price of warmth in that it costs quite a bit for cleaning, as we have written about in our blog before. On the other hand, polyester has the advantage of being easily washable. There may be some difference in warmth, but I am concerned about convenience. I thought I would like to try it in the not-too-distant future at either UNIQLO or MUJI.

Recently, various local governments have been running various campaigns to promote consumption. In the area where my home is located, premium gift certificates are issued. The program is that people with a certificate of residence can buy up to 60,000 yen worth of gift certificates for 50,000 yen and use them within a deadline of six months. In the area where I live now, there is a 20% refund to a designated account if you send in a receipt within the eligible period.

Local governments are working hard to somehow raise consumption, which has cooled down due to the consumption tax hike and price hikes. The national government has announced a new NISA system, which subsidizes gasoline and utility bills and encourages people to shift from savings to investments. Many of you may have seen the announcement on Youtube and other social media. As a good surprise, there are whispers among those who were already active in investing that they are going to reset (sell) their Specified Accounts and invest in the new system with all their might. Some are whispering that they are going to reset their specified accounts (sell them) and invest in the new system with all their might. While this is certainly true if you only consider the tax implications, the problem is the market trend.

Just as there are those who have been baffled by this year’s sharp rise in the dollar-yen exchange rate, there are also times when stock and bond markets are quite violent. We should keep in mind that the year 2023 will be a period of preparation for the transfer to the new system, and we should be ready for the new system in 2024.
*** Translated with www.DeepL.com/Translator (free version) ***