Pension・iDeCo

Is 65 the right age to start receiving your pension? Actually, by utilizing strategies such as “deferring for only one spouse” or having spouses receive benefits separately, you can maximize your future pension payments while saving on taxes. We’ll provide a thorough explanation—from the pros and cons of taking early or delayed retirement to insider tips for avoiding loss of the public pension deduction!

If you leave periods of unpaid pension contributions unaddressed, your retirement benefits will be significantly reduced. This article provides an easy-to-understand explanation of remedial measures to make up for unpaid contributions, such as retroactive payments, voluntary enrollment, and transitional adjustments. We’ll also show you how to check your status on Nenkin Net and summarize steps you can take to avoid regrets in retirement.

A Comprehensive Guide to the 2026 (Reiwa 8) Public Pension Revisions! We provide a detailed explanation—complete with examples—of the Basic Old-Age Pension, which has reached a full amount of 847,300 yen; the practical calculation of specific pension amounts for men aged 65 and women aged 63 who become eligible this fiscal year; and the mechanism of the “In-Service Old-Age Pension,” to which the 500,000-yen suspension adjustment applies.

Can You Intentionally Reduce Your Pension to Qualify for Exemption from Resident Tax? A Tax Accountant Thoroughly Explains Tax Loopholes and Common Misconceptions! From the pitfalls of the “200,000-yen side job rule”—which many people misunderstand—to how to spot the “property tax calculation errors” that are rampant across local governments nationwide, this guide covers all the essential tips you need to know to avoid losing out.

Turning 60 marks a key milestone for restructuring your retirement plan. When is the deadline for enrolling in iDeCo, employer-sponsored DC plans, and DB (defined benefit) plans, and when can you start receiving benefits? In this article, we provide a comprehensive explanation based on the latest 2026 regulations, drawing on expert materials to cover the rules for continuing enrollment after age 60, the start dates for receiving benefits, and important considerations regarding total enrollment periods.

A Comprehensive Guide to the 2026 Pension Adjustment! Reflecting trends in prices and wages, the Basic Old-Age Pension will increase by 1.9% and the Employees' Pension by 2.0%. A key point to note is that the base amount for the In-Service Old-Age Pension will be raised to 620,000 yen. Based on the latest data, we provide a detailed overview of everything from the mechanism of adjustments via the macroeconomic slide to the outlook for future benefit levels.

When can you start receiving payments from a DC (Defined Contribution Pension) or DB (Defined Benefit Corporate Pension), and how long will they last? This article provides a clear explanation of the start dates for iDeCo, corporate DC, and DB plans (ages 60–75), the payment periods ranging from 5 to 20 years, and how lifetime annuities work. To plan for your retirement, start by fully understanding the rules of the plan you’re enrolled in.

What Is the Supplementary Pension? A comprehensive guide to this system, which boasts the “best return on investment” by increasing your future pension benefits with a monthly contribution of just 400 yen. From the pros and cons to how it differs from iDeCo and the National Pension Fund, and how to apply—we clearly explain the strategies for boosting your pension that freelancers and self-employed individuals should know.

How will matching contributions for corporate defined contribution plans change with the April 2026 (Reiwa 8) legal revision? We clearly explain the key point: the current restriction that “contributions must not exceed the employer's contribution” will be abolished. We summarize changes participants should know, including the benefits of the revision, contribution limits, and points to note during leave of absence.

What is the Employees' Pension Insurance? This guide clearly explains its structure, differences from the National Pension, and the latest premium calculation method for 2026. It also covers estimated benefit simulations for future payments and three key benefits every company employee should know. Get the essential knowledge to ease your retirement worries—all in one place.