What changes are tracked — NISA rules, brokerage fees, card programs, product additions/closures, iDeCo reforms — and why active maintenance matters.
This log tracks material changes to the facts behind the investing pages — NISA rule changes, brokerage fee changes, card-program changes, product additions and closures, and iDeCo reforms — each with a date and source, so readers can see the information is actively maintained.
Personal-finance facts are not static. This log exists to record material changes to the data behind the investing pages: NISA rule changes, brokerage fee and FX changes, credit-card and point-program changes, product additions and closures, and iDeCo and pension reforms. Each material update should carry the date it took effect and the source that confirms it, so a reader can distinguish current rules from superseded ones.
The point is transparency about freshness. A page that looks authoritative but silently carries an old fee or an expired NISA rule is misleading; a dated, sourced change record lets you trust what is current and see when it was last confirmed.
Some changes are already scheduled and should be verified on their effective dates rather than treated as current. Notably, iDeCo reforms from December 2026 broaden some contribution limits; anyone enrolling around that date should confirm the implemented figures. Future age-related NISA amendments and cryptoasset regulatory or tax changes should likewise be rechecked when they take effect.
Because these are forward-looking, pages describing them flag that the pre-change figures are not the implemented rules. Treat any "scheduled" reform as pending until its effective date, and reverify before relying on it.
Different facts age at different speeds. Promotional and fee data (point rates, campaign terms, exact commissions) change fastest and should be rechecked immediately before opening an account or placing a trade. Account features and product lineups change more slowly but still need periodic review. Stable educational definitions (what a PFIC is, how compounding works) change rarely.
So before you act on any specific number — a fee, a point rate, a NISA limit, a provider feature — confirm it against the official source, even if a page states it. The educational explanations here are durable; the volatile figures are snapshots that this log and the verification dates on each page help you keep current.
Brokerage (NISA/iDeCo) · Rakuten Securities
A leading low-cost brokerage for NISA and index-fund investing, integrated with Rakuten points and Rakuten Bank.
Fees: Many domestic funds and trades are low- or no-commission — verify current fee schedule.
Brokerage (NISA/iDeCo) · SBI Securities
Japan’s largest online brokerage by accounts, with a very broad low-cost fund lineup and full NISA/iDeCo support.
Fees: Many trades and funds are low- or no-commission — verify current fee schedule.
Brokerage (NISA/iDeCo) · Monex
An established online brokerage often chosen for US-stock access and research tools, with NISA and iDeCo support.
Fees: Commissions vary by product; some funds/trades are low-cost — verify current schedule.
This is education, not a recommendation. Most beginners research low-cost, broadly diversified index funds — for example all-country (全世界株式) or S&P 500 trackers — rather than picking individual stocks, because low fees and diversification are within your control while returns are not. Understand that values fall as well as rise, match the risk to your time horizon, and never invest money you may need soon.