The government and ruling parties are making adjustments in the direction of making permanent the preferential tax system "NISA" for individual investors in the next fiscal year's tax reform, and making the period in which they can hold assets tax-free indefinitely.
In the future, the focus will be on how far the upper limit of the tax-free investment amount will be raised.
NISA is a tax exemption system for gains and dividends on the sale of stocks and investment trusts within a certain range.
As a measure with a time limit, the “general NISA”, which allows you to purchase stocks and investment trusts, has a maximum investment period of up to 2028 and a tax-free holding period of up to 5 years.
In addition, “Tsumitate NISA”, which is limited to investment trusts, has an investment deadline of up to 2042 and a tax-free period of up to 20 years.
Regarding this, the government and ruling parties are making adjustments in the tax system revision next fiscal year, creating a new NISA system, abolishing the investment period and making it permanent, and adjusting the tax-free holding period to indefinite. increase.
On the other hand, the focus of future discussions is the expansion of the amount of investment.
With Tsumitate NISA, the maximum investment amount is 400,000 yen per year, with a cumulative total of up to 8 million yen.
While there are calls within the government and ruling parties to raise the upper limit, there are also cautious opinions that if the upper limit is raised significantly, the benefits will be disproportionately distributed to the wealthy. It is expected that final adjustments will be made to see how far the upper limit will be raised.