Wealth management in Japan

Certain institutions such as Rakuten Securities or SBI are accessible, but they require a command of the language. International brokers offer suitable "offshore" solutions, although their tax treatment must be carefully audited to remain compliant locally.

If you save in yen but plan to spend in euros in the long run, you suffer a loss of purchasing power. We put in place hedging strategies and geographic diversification to balance your reference currencies.

Yes, as soon as you have a tax address in Japan you can open a NISA. It is an excellent way to begin building high-performing local savings and investments.

Rental income is taxable in France, but you must declare it in Japan (if you are a permanent tax resident). A tax credit is generally granted to avoid double taxation, although the rates may differ.

Wealth management in Japan is marked by a paradox: the country is finally emerging from its status as a dormant market to become a land of yield, yet its entry rules remain rigid.

Resident status: The distinction between Non-Permanent Resident (NPR) and Permanent Resident is the pivot of your strategy. During the first five years, you benefit from taxation limited to income received or repatriated to Japan.

Investment trends: In 2026, we are seeing a shift from "cash" savings towards financial investment in Japan, driven by moderate inflation and the State’s determination to reinvigorate the Tokyo Stock Exchange.

The technological barrier: Although financial technology in Japan is advancing, many procedures remain manual and require local support to navigate between Japan’s payment applications.

Japan has one of the most complex frameworks in the world, where anticipation is the only real protection.

• Worldwide taxation: After five years of residence, the Japanese tax authorities tax your worldwide income. Without sharp international tax advice, you risk double taxation on your French dividends or rental income.
• The inheritance challenge: This is the major point of vigilance. The tax rate can reach 55%. Moreover, the "10-year rule" means that even after leaving the country, you or your heirs could remain liable in Japan on your worldwide estate.
• The Japanese property market: Unlike in Europe, real estate here is often an asset for use rather than for capital appreciation, with buildings losing their value over time. The strategy must therefore focus on the value of the land and the location (Tokyo/Osaka).

Japan has one of the most complex frameworks in the world, where anticipation is the only real protection.

• Worldwide taxation: After five years of residence, the Japanese tax authorities tax your worldwide income. Without sharp international tax advice, you risk double taxation on your French dividends or rental income.
• The inheritance challenge: This is the major point of vigilance. The tax rate can reach 55%. Moreover, the "10-year rule" means that even after leaving the country, you or your heirs could remain liable in Japan on your worldwide estate.
• The Japanese property market: Unlike in Europe, real estate here is often an asset for use rather than for capital appreciation, with buildings losing their value over time. The strategy must therefore focus on the value of the land and the location (Tokyo/Osaka).

Optimisation rests on the intelligent use of local and international arrangements.

• Using the NISA and the iDeCo: We help you maximise the investment caps of these tax-free accounts, which are essential for your retirement planning.
• Financial education in Japan: We support expatriates in understanding local products so as to avoid the "hidden fees" of traditional banks.
• Transmission planning: To avoid a heavy tax hit, we favour the dismemberment of ownership (usufruct/bare ownership) or Luxembourg life insurance, while adhering to international tax advice to ensure the arrangement is valid in the eyes of the NTA (the Japanese tax authorities).

Yes, Japan has unique characteristics that directly influence your financial investment in Japan:

• Corporate governance reform: In recent years, Japanese companies have been courting their shareholders (share buybacks, higher dividends), making the local stock market far more attractive than in the past.
• Discipline vs flexibility: Legal structures are highly codified. Where Singapore or Dubai offer great flexibility, Japan demands strict compliance.
• Currency risk: Managing wealth in Japan means managing the yen. The volatility of the Japanese currency calls for hedging strategies that are less common in purely "Eurozone" wealth management.