Hey there, it’s Hirokichi!
Here is my June 2026 update for my New NISA account (Japan’s tax-free investment account, expanded in 2024). At the end of the month my account was worth 4,900,054 yen, with an unrealized gain (the profit if I sold today) of +882,351 yen. That’s +169,753 yen from last month, and the 5-million-yen mark is finally coming into view. U.S. stocks had a slightly rough month, but my steady monthly investing keeps growing.
This Month’s Result: 4,900,054 yen (up 169,753 yen)
Let me start with the bottom line. As of the end of June 2026, my New NISA account was worth 4,900,054 yen, up 169,753 yen from 4,730,301 yen a month earlier.
My total cost basis is about 4.018 million yen, so that amount has now grown to 4.9 million. The unrealized gain of +882,351 yen works out to a return of about 22%.
Last August the account was worth about 3.57 million yen, and in ten months it has climbed to 4.9 million. On top of my monthly contributions, the shares I’ve been steadily adding in the growth quota have done a lot of the work. As the chart shows, it has risen almost without a serious setback the whole way.
Breakdown by Quota and Category
Here is the breakdown by category.
The tsumitate (regular monthly investment) quota funds, eMAXIS Slim S&P500 and All-Country, come to 1,485,095 yen, with an unrealized gain of +445,143 yen. This is my biggest earner.
The growth-quota funds, Rakuten SCHD, Tracers Nikkei High-Dividend 50, and S&P500, add up to 578,026 yen, with a gain of +5,912 yen. I only started buying these recently, so this is a bucket I’ll grow slowly from here.
The remaining 2,836,933 yen is made up of U.S. high-dividend ETFs (HDV, VYM) and Japanese individual stocks (Nintendo, Oriental Land, KDDI, Mitsui & Co., and others), all held in the growth quota. This group has an unrealized gain of +431,296 yen. The idea here is to collect dividends from high-dividend stocks and ETFs while also aiming for price appreciation.
Market Moves and Fund Prices This Month
Let me look back at June’s markets.
U.S. stocks pulled back a little. The S&P 500 fell about 1.3% for the month, closing at 7,499. It set a fresh record (above 7,600) mid-month before retreating, led mainly by mega-cap tech and AI names. Even so, it is up about 9.5% year-to-date, still solid.
Meanwhile the yen weakened. USD/JPY averaged around 160.7 for the month and drifted toward the 161 level by month-end. So even when U.S. stocks dip, a weaker yen cushions the value in yen terms, and my S&P500 fund held roughly flat.
Japanese stocks were volatile but strong, with the Nikkei 225 in the high-69,000 range near month-end. Since I hold Japanese high-dividend and individual stocks, that helped lift my account too. It was a month where a weak yen and strong Japanese stocks covered for the small dip in U.S. shares.
NISA Basics: The Growth Quota’s “2.4M/year, 12M lifetime” Rule
This time, a note on the growth quota. New NISA has two quotas: the tsumitate quota (1.2 million yen per year) and the growth quota (2.4 million yen per year), for a combined maximum of 3.6 million yen per year.
The key point: of the 18-million-yen lifetime tax-free limit, only up to 12 million yen can be used through the growth quota. The remaining 6 million can only be filled through the tsumitate quota. On the flip side, you can also buy tsumitate-eligible funds (like the S&P500) inside the growth quota, so remembering that “tsumitate-eligible funds can also be bought in the growth quota” makes it easier to design how you use your limits.
For someone like me who wants to hold individual stocks and ETFs, the growth quota is the tool for that, but it’s worth keeping in mind that this quota is capped at 12 million yen.
Plan for Next Month
Next month I’ll keep the settings unchanged and just keep going. My monthly contributions are 5,000 yen to eMAXIS Slim S&P500, 2,000 yen to Rakuten SCHD, and 3,000 yen to Tracers Nikkei High-Dividend 50. I’ve paused new contributions to All-Country for now but continue to hold it.
Whether the market is up or down, my stance is to never change the contribution amount. As we saw this month, even when U.S. stocks fall, currency moves or Japanese stocks can cover for it. Without trying to time the market, I’ll keep investing my set amount, steadily.
Wrap-Up
June 2026 for my NISA: 4,900,054 yen in value and +882,351 yen in unrealized gains. U.S. stocks corrected a bit, but a weak yen and strong Japanese stocks helped me lock in a month-on-month gain. Next up, the 5-million-yen milestone is finally in sight.
Let’s not get swayed by every market move, and keep going steadily. See you next time!
* This article is for informational purposes only and is not investment advice. Please invest at your own responsibility.
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