「もう遅い」は誤解｜50代からのiDeCoが最強な理由【2026年12月改正】【きになるマネーセンス1188】

[Free Trial Session] First Steps with iDeCo → https://money-sense.net/first-ideco/?... [Free] Money Sense College Trial Session | See the Actual Member Site → https://money-sense.net/first-moneyse... [Trial Session List] Retirement Funds, Investment Trusts, iDeCo…Solving Your Concerns → https://money-sense.net/seminarlist?u... "I think it's too late for iDeCo for people in their 50s with short investment periods"—have you given up thinking that? In fact, with the system reforms in December 2026, those in their 50s and 60s will benefit most from iDeCo. The key is "tax savings" rather than "investment." This article explains why iDeCo is "the best" option even for those in their 50s, along with tax-saving simulations based on income levels. [Membership Service] Money Sense College → https://money-sense.net/lp/team7/?utm... [Booklet] Purchase Here → https://money-sense.net/booklet-top/?... ◆Table of Contents 0:00 Start 3:13 Review of the 2026 System Changes 6:47 Review of the iDeCo System 9:30 How Contributing to iDeCo Reduces Taxes 11:29 Simulation of Deduction Amounts by Annual Income 16:13 People in their 50s Should Use iDeCo 19:42 Points to Note about iDeCo 21:32 Summary 22:45 Bonus ◆Related Videos ・[Attention to those only using NISA!] Why not using iDeCo is a loss even if retirement income deduction is zero [Money Sense 840] 【NISAだけの人、要注意！】退職所得控除がゼロでもiDeCoを使わないと損する理由... 🗒️The content of this video is also available in text format https://money-sense.net/18003?utm_sou... ■Premise: It's "not too late" even in your 50s In response to the sentiment that "it's too late because the investment period is short," Money Sense College's view is that if you have a 10-year investment period, there is basically no problem, and iDeCo has great value not only in "investment" but also in "initial tax savings (income deduction)." Those in their 50s have about 10 years until retirement, and the actual use will be even further in the future, so there is ample time for investment. ■ System Revisions in December 2026 Effective from December 1, 2026 (applicable from January 2027 withdrawals), the following changes will be made: ① The eligible age for enrollment will be expanded from under 65 to under 70 (provided that the recipient is not receiving the basic old-age pension or iDeCo old-age benefits), and ② The contribution limit will be increased. For Category 1 insured persons, the limit will increase from 68,000 yen per month to 75,000 yen per month, and for company employees, etc., the limit will be 62,000 yen per month when combined with other schemes (an additional 7,000 yen per month). There will be no change for Category 3 insured persons at 23,000 yen per month. ■ iDeCo Tax Saving Mechanism (Three Stages) iDeCo offers preferential treatment at the time of contribution (full income tax deduction = small business mutual aid contribution deduction), during investment (tax-free), and at the time of withdrawal (retirement income deduction or public pension deduction). Specific accounts are taxed at entry, investment, and exit; NISA is tax-free at investment and exit, but there is no income tax deduction at entry. One of iDeCo's strengths is that the entire contribution is tax-deductible (in contrast to life insurance premium deductions, which have a limit). ■ Reasons why those in their 50s are at an advantage (simulation by annual income) Tax savings = Contribution × (Income tax rate + Resident tax rate). Those in their 50s have high annual incomes, with a median of approximately 5 million yen and an average of approximately 6 million yen, and a tax rate of 20% (10% income tax + 10% resident tax) is a guideline. With the revised full contribution amount (744,000 yen per year), tax savings would be approximately 148,000 yen per year, or approximately 1.5 million yen over 10 years. Even with an annual income of 4 million yen, the revised full contribution amount would save approximately 110,000 yen per year, or approximately 1.11 million yen over 10 years. The higher the income, the higher the tax rate and the greater the benefit. Since there are principal-protected products, it is more advantageous than saving in a bank account even for those who do not want to invest. ■ Points to note Since withdrawals cannot be made until age 60, be careful not to overspend, and have at least a rough retirement asset plan (financial plan). When receiving the funds, be sure to check the tax implications, such as the "10-year rule" regarding retirement benefits, beforehand. Fees are approximately 3,000 yen upon account opening and around 100-something yen per month. ...