Basic guide to iDeCo

Basic guide to iDeCo (individual-type defined contribution pension)

What is iDeCo?

iDeCo (individual-type defined contribution pension) is a system that supports asset formation in retirement. You can save up your own contributions while managing them and receive them as a future pension.

Main benefits


Full tax benefits


Contributions are fully tax deductible


Investment gains are tax-free


Tax benefits are also available when receiving the money


Flexible management


You can choose from a wide variety of products, including investment trusts, deposits, and insurance products

You can combine products according to your own risk tolerance


Who can join


Company employees and civil servants (up to 23,000 yen per month if they do not have a corporate pension)

Company employees with a corporate pension (up to 12,000 yen per month)

Full-time housewives and househusbands (up to 23,000 yen per month)

Self-employed people (up to 68,000 yen per month)


Points to note


Withdrawals are not permitted until age 60 as a general rule

Fees apply (account management fees, investment product fees, etc.)

Manage at your own risk

If you want to receive it as a pension, you need to receive it for 10 years or more


How to get started


Check the conditions for joining


Select a financial institution


Set the premium amount


Select an investment product


Application procedure


Investment points


Manage your investment from a long-term perspective


Be aware of diversification


Regularly check your investment status


Review your asset allocation if necessary


In conclusion

iDeCo is an effective tool for building assets for retirement, but it is important to consider it in accordance with your own financial situation and future plans. If you have any questions, we recommend that you consult a financial institution or an expert.


This text was created by a generative AI.

Hello and I am honored to meet you. I am one of the ordinary middle-aged men in Japan. I have a BBA. My intention is to spend my time lightly. But when things happen, the mood switches to prudential man rule mode. Of course, as you know PDCA, we will pursue the problem carefully and thoroughly. My favorite thing is listening to FM radio and CD music. thank you.

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