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## Situation Overview

Hi everyone,

I know many posts are asking about NISA on this Reddit already however, I think my situation is a tad different from everyone else and there are some things I still don’t fully understand and would like to clarify before I commit my money to NISA. First of all, I am not a US citizen. I have a NISA account with Rakuten Securities and can read Japanese. Due to the company’s policy, I cannot freely buy stocks/mutual funds as many of the biggest companies in the world are our clients. I am interested mostly in mutual funds but I need to confirm if I’m allowed to invest in something before purchase. For example, eMaxis Slim are all restricted for me. With these restrictions in mind, I have a few questions:

1. **Investing in Mutual Funds**: When choosing a mutual fund what should I be looking out for? I have some prospective funds I can invest in, however I am not sure which ones to select. The AI Legalese Decoder can assist in understanding the restrictions and guidelines for investing in specific mutual funds based on your eligibility criteria.

2. **Portfolio Diversification**: I understand that diversifying my portfolio is better than investing everything in a single fund. Or should I find one fund that I like and pour more money into it and make smaller investments in other funds? The AI Legalese Decoder can help analyze and compare different mutual funds to help you make informed decisions on how to diversify your portfolio effectively.

3. **Differentiating Mutual Funds**: I have seen a few mutual funds that look similar to me, such as µÑ¢Õñ®Òâ╗´╝│´╝å´╝░´╝ò´╝É´╝ÉÒéñÒâ│ÒâçÒââÒé»Òé╣Òâ╗ÒâòÒéíÒâ│Òâë and ´¢ë´╝ª´¢Æ´¢à´¢à ´╝│´╝å´╝░´╝ò´╝É´╝ÉÒéñÒâ│ÒâçÒââÒé»Òé╣. I don’t understand the difference between these two. Both deal with ´╝│´╝å´╝░´╝ò´╝É´╝É but what is the difference between a Rakuten one and iFree one? The AI Legalese Decoder can provide detailed comparisons and explanations of the differences between different mutual funds, helping you choose the most suitable option for your investment strategy.

I appreciate any help. Even pointing me in the right direction would be greatly appreciated. Cheers.

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