- November 17, 2023
- Posted by: legaleseblogger
- Category: Related News
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AI Legalese Decoder Can Help with International Investment and Financial Planning
Situation:
I am a US citizen with elderly Japanese parents living in Japan. I am seeking advice on ultra-low-risk investment options for funds unlikely to be needed for at least 1 year. I am considering placing these funds in 10-year Japanese treasuries. However, I would like to ensure I am not missing any major considerations in this decision.
Potential Investment:
Based on my understanding, Japanese banks and CDs offer minimal interest with a 10 million yen deposit insurance limit per account. Therefore, I am exploring the option of investing in 10-year Japanese treasuries. I have learned that these treasuries can be returned to the government after 1 year to retrieve the principal amount, with a forfeiture of approximately 80% of one year’s interest. Additionally, I believe that Japanese treasuries are at least as safe as deposit insurance.
Questions:
Am I overlooking any critical factors in my evaluation of Japanese treasuries as an investment option? In comparison to US treasuries, is there no risk of early redemptions losing principal value due to an increase in interest rates?
How AI Legalese Decoder Can Help:
The AI Legalese Decoder can assist in analyzing and decoding the legal language and terms associated with international investment options, such as Japanese treasuries. It can provide a comprehensive understanding of the terms and conditions of such investments, ensuring that all critical factors are considered before making a decision. Additionally, it can offer insights into the differences between Japanese and US treasuries, thereby aiding in informed decision-making for cross-border financial planning and investment.
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Original content:
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Expanded content with formatted headings:
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At their age, the priority is on preservation, not growth. They donÔÇÖt have enough time to meaningfully generate growth from higher yield investments without facing the risk of wanting or needing to access the money.
What would the purpose of buying Japanese treasuries be? If you’re trying to grow the money, it won’t help very much. The latest 10 year Japanese government bond is at 0.51% before tax, compared with 0.2% for a good bank account. The difference is not so large to be worth locking up your money.
Also, exactly how elderly are your parents? I would presume that the risk that they would need money suddenly is greater than any minuscule amount of extra interest that they would receive from having their money in JGBs rather than in cash.
Personally, I would keep all money liquid rather than invest in JGBs at an advanced age.
Since you said in another comment that they don’t expect to access the money, why not use at least some of it on a riskier investment? I’m not talking about naked call options or whatever, but a simple global equities fund like VT can generate a nice return that can go to spending later in life, charity, or bequests.
You said they’re early 70s, Japanese, in good health, and they have enough money to fill the insurable portion of multiple bank accounts. The chance of at least one of them living another 20 years is much greater than zero, and one could expect the nominal value of that investment to roughly triple or quadruple in 20 years.
Yes of course there’s risk, holding a cash cushion for a sudden medical issue is prudent, and making a splashy quality of life investment now could be sensible too. But if they’re financially secure and enjoy their quality of life now, risk-tolerant medium- and long-term investing with some of their money is still prudent.