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The current Nisa age is 18 years or older.
Therefore, children under the age of 18 are not allowed to create a new NA account. If you plan to invest in educational funds, it will be aテーマ theme how to use the parent NA, tax account, and deposit.
Under 18 years old are not eligible for New Nisa
Nisa from 2024 is 18 years old or older.
In the past, there was a Junior NA for minors, but the system has ended in the end of 2023. Therefore, it is an error that considers that there is a new NA framework for under 18 years.
In the development of education funds, you need to push this premise first.
Can I prepare education funds in NA?
It is possible to calculate education funds using the parent NA framework.
NA is a long-term investment plan. There is a risk to turn all the money you spend like a university enrollment.
| Time to use funds | Simple location |
|---|---|
| Within 1-3 years | Deposit Center |
| 5 years ago | Cash and some investments are carefully |
| Over 10 years | Easy to consider long-term investment in Nで |
Because the education costs are clear when necessary, we consider the risks that cannot be sold when the value falls.
Use of parent NA and tax account
Parental post-age funds and child education funds are difficult to manage when mixed with the same NA account.
It is easy to organize by purpose.
| Purpose | How to place |
|---|---|
| Parent’s Post-Old Fund | Easy to operate for long term |
| Children's University | Increase cash ratio as close to use |
| Long-term education preparation with marginal funds | The choice of using part of the parent NA framework |
It is the priority that education funds are "sufficient" than "increase".
Existing Junior NA
If you were investing in Junior NA by 2023, please check the handling of existing shares with the financial institution.
New investments are closed, but the products purchased in the past are subject to systematic handling. The terms of sale and payment must be confirmed by financial institution guidance and institutional information.
- Current Nisa is 18 years old or older
- There is no new Nisas framework for under 18
- Junior NA ends at the end of 2023
- Enhancing the cash ratio as the time of use is close
- When using the parent NA framework, manage the post-age funds and purposes separately.
In education funding, it is important to use it when necessary than the tax-free benefits. New NA is convenient, but it is not a system to leave all the educational funds for children.
出典
This article is based on information about the NA system and the financial agency for the end of the Junior NA.
- Date: 2026-05-23