Started in 2024New NISA (Small-Amount Investment Tax Exemption System)。
Amidst the shift from saving to investing, many people have begun managing their assets.
However, recently,"NISA poor"We're also starting to hear this phrase.
It seems that more and more people are finding their current lives difficult, even though they are investing for the future.
Today, let's take a look at the reality of "NISA poverty" occurring behind the scenes of the new NISA boom, and explore some practical ways to build wealth without overextending yourself.
Behind the investment boom, the "NISA poverty" phenomenon is spreading.
Under the government's policy of becoming a "nation built on asset management," the new NISA is rapidly gaining popularity.
As of the end of 2025
- Number of NISA accounts: Approximately 28.26 million accounts
- Total purchase amount: Approximately 71 trillion yen
And so, it expanded significantly in just two years.
However, this has also created some problems.
That's what's known as "NISA poverty."
In fact, a company employee in their 20s with an annual income of approximately 8 million yen,
Of the approximately 400,000 yen net income Invest 250,000 yen every month Cases where this is being done are presented.
Lunch consisted only of rice balls and instant miso soup.
He says he's even turned down drinking parties with friends and is drastically cutting back on living expenses to invest the money.
More and more people are sacrificing their "current lifestyle" in order to build wealth for the future.
Why do young people overinvest?
There are several factors that contribute to younger generations overinvesting.
- Conformity bias
People tend to want to do what everyone else is doing.
This trend is particularly strong among those aged 18-29.
It has been pointed out that people tend to act on the impulse of "everyone else is investing, so I should too."
• Anxiety about the future
– The 20 million yen retirement fund problem
- The value of money decreases due to inflation.
This kind of news is creating anxiety about investing.
The survey found thatApproximately 75% of people under 30 have no expectations of public pensions.The following results have also been obtained.
Investment information on social media
On social media
"You'll lose out if you don't fill up your NISA allowance as quickly as possible."
Such sensational information spreads easily, and some people rush into investing as if driven by an obsession.
Headline 3: What's truly important is "financial literacy"
Experts point out that there are things you should learn before you start investing.
That Financial literacy (knowledge about money) is.
It is said that true wealth building should be considered in the following order.
1. Understanding household finances
2. Understanding the Social Security System
3. Life plan design
4. Invest with surplus funds
In other words Investing is the final step That's right.
Also, in his younger years
- study
- Skill Acquisition
- experience
Such "self-investment" is also an important investment that will increase your future income.
It can be said that not only money, but also **how you use your time** is an investment.
Summary
The new NISA is a useful system for building assets,
The anxiety of thinking "I'll lose money if I don't invest" is dangerous.
The following three things are important:
- Invest with surplus funds.
– Consider household finances and life plans first.
– Invest not only in money but also in experiences.
Building assets for the future is important,
You don't need to sacrifice your current lifestyle or life experiences.。
Let's think about a balanced way of spending money that suits you, from a long-term perspective.
This book will be helpful.
