Set your children up for financial success with the new NISA

Japan offers some of the best tax-advantaged investment plans around, particularly if you’re investing for retirement. What’s more, the government is now planning to expand the Nippon Individual Savings Account (NISA) program to allow parents to start investing tax-free on behalf of their children.

Details are not yet final, but plans indicate a contribution limit of ¥600,000 per year and ¥6 million in total, using the NISA’s tsumitate (reserve) quota for monthly contributions to designated mutual funds. Withdrawals would be allowed after the child turns 12.

If you’re wondering how to set your child up for financial success, here’s some tried-and-true wisdom to start 2026 off on the right fiduciary foot.