What this quota is for
It is not the quota for picking any listed stock. It is for products, mainly funds, that meet the Financial Services Agency’s criteria for long-term recurring diversified investing. Fees and the ongoing charge are part of those criteria. Whether a fund is actually offered is a question for the institution.
How the ¥18 million lifetime holding limit works, and whether a sale restores room in the same year, is on the limits and rules page.
The annual ceiling, with an example
¥1.2 million is the most you can buy in this quota during the year. A flat monthly amount that uses the whole ceiling is ¥1.2 million ÷ 12, or ¥100,000 a month. A larger contribution in a bonus month is still inside the quota if the year’s total stays within ¥1.2 million.
Unused annual room does not carry into next year’s annual quota.
Swipe horizontally to see the full table.
| Item | Tsumitate quota |
|---|---|
| Annual investment quota | ¥1.2 million |
| Usual way to buy | Recurring contributions |
| Main products | Funds that meet the long-term recurring diversified criteria |
| Individual stocks | Not in this quota |
Eligible products
The list is built around funds that pass the long-term, installment, and diversification tests. Low-cost index funds are common for that reason. An index in the name does not by itself make a fund eligible.
Can it be used with the Growth quota?
Yes, in the same year. The ¥1.2 million and the Growth quota’s ¥2.4 million are counted separately. One pattern is a fund contribution in Tsumitate and stocks or ETFs in Growth.
Which one leads depends on the product you need and how much research you will do. The side-by-side comparison is on the compare page.
Common misunderstandings
Listed shares belong to the Growth quota. Tsumitate is centered on eligible funds.
Unused annual quota does not carry forward. Reuse of the lifetime holding limit is explained on the rules page.
Spreading purchases changes the entry points. It does not stop the fund price from falling.
Questions on this page
What is the annual Tsumitate limit?
¥1.2 million. It is counted separately from the Growth quota’s ¥2.4 million.
Can I use both quotas in one year?
Yes. Each quota keeps its own ceiling and product rules.
Is there a required monthly amount?
The system does not fix a monthly figure. You set a pace whose yearly total stays within ¥1.2 million.
Related pages
When the answer depends on your situation
Residency, length of stay, which quota you want, and the amount are personal. After the published explanation, you can put those facts into a question.
Official sources: Japan Financial Services Agency, NISA site, National Tax Agency, No. 1535 NISA
This page is general information, not tax, legal, or investment advice. Amounts and procedures can change. Before you trade or file, check the latest material from the Financial Services Agency, the National Tax Agency, and your financial institution.