1 in 10 NISA Users 'Forcing Investment' Amidst Rising Prices; Survey Reveals 1 in 4 Lack Sufficient Emergency Funds
Okaneko's latest survey shows that 28.2% of NISA users feel financially strained compared to last year, with 10% cutting daily expenses to continue investing and 25% holding less than 3 months of emergency cash.
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- 📰 Published: April 28, 2026 at 19:00
- 🔍 Collected: April 28, 2026 at 10:31
- 🤖 AI Analyzed: April 28, 2026 at 15:33 (5h 1m after Collected)
400F Co., Ltd. (Tokyo, CEO: Jin Nakamura), operator of the financial diagnosis service 'Okaneko,' conducted an emergency survey on 'The Reality of Household Financial Strain due to NISA' among 241 users.
Key Findings:
- Household Sentiment: 28.2% feel less 'financial leeway' than last year, primarily due to 'rising prices of daily necessities and utilities' (83.8%).
- Investment Status: 78.8% are continuing as planned, but 10.4% are 'forcing themselves to continue by sacrificing living expenses.'
- Emergency Funds: 24.9% of users have less than 3 months of monthly living expenses in cash (7.5% have less than 1 month, 17.4% have 1-3 months). This indicates a high risk during sudden expense surges or further price hikes.
- Portfolio Trends: While 37.3% are diversified across regions, 35.3% are concentrated in 1-2 types of US or global stock indices. Only 6.6% have considered switching to a more diversified model despite rising geopolitical risks.
- Mental Impact: 7.1% have consciously reduced checking their accounts due to the stress of seeing losses during market volatility. 8.3% lack confidence in holding through sharp declines.
- Future Needs: 42.3% of respondents desire an 'appropriate investment amount diagnosis' by experts to create a 'sustainable investment plan.'
Key Findings:
- Household Sentiment: 28.2% feel less 'financial leeway' than last year, primarily due to 'rising prices of daily necessities and utilities' (83.8%).
- Investment Status: 78.8% are continuing as planned, but 10.4% are 'forcing themselves to continue by sacrificing living expenses.'
- Emergency Funds: 24.9% of users have less than 3 months of monthly living expenses in cash (7.5% have less than 1 month, 17.4% have 1-3 months). This indicates a high risk during sudden expense surges or further price hikes.
- Portfolio Trends: While 37.3% are diversified across regions, 35.3% are concentrated in 1-2 types of US or global stock indices. Only 6.6% have considered switching to a more diversified model despite rising geopolitical risks.
- Mental Impact: 7.1% have consciously reduced checking their accounts due to the stress of seeing losses during market volatility. 8.3% lack confidence in holding through sharp declines.
- Future Needs: 42.3% of respondents desire an 'appropriate investment amount diagnosis' by experts to create a 'sustainable investment plan.'