Are DC/iDeCo and NISA Rivals or Friends? (2026 Survey) - Approx. 80% of DC/iDeCo Users Positive About NISA
A survey of 10,000 people conducted in January 2026 by Sumitomo Mitsui Trust's Mirai Lab for Our Assets found that about 60% of Japanese are engaged in asset formation, with 1 in 4 using NISA or DC. Notably, about 80% of DC users are also positive about using NISA, showing the two systems are used complementarily rather than as rivals. The trend is stronger among high-income earners, and interest among young people is also high.
📋 Article Processing Timeline
- 📰 Published: May 26, 2026 at 18:00
- 🔍 Collected: May 26, 2026 at 09:31
- 🤖 AI Analyzed: May 26, 2026 at 10:09 (37 min after Collected)
The Sumitomo Mitsui Trust, Mirai Lab for Our Assets, established by Sumitomo Mitsui Trust Bank, Limited, conducted a survey of 10,000 individuals aged 18 to 69 across Japan in January 2026. The survey analyzed trends in asset formation and the use of tax-advantaged systems like Defined Contribution pensions (DC) and NISA.
**Key Points:**
- Roughly 1 in 4 people use tax-advantaged systems (Corporate DC/iDeCo, NISA).
- About 60% of DC users also use NISA; this rises to about 80% when including those intending to use it.
- Over half of young NISA users are also interested in iDeCo.
**1. Roughly 60% of People are Engaged in Asset Formation**
According to the survey, 43.3% of respondents said they are "not doing anything for asset formation," which conversely means 56.7% are engaged in some form of it. The most common methods were Japanese Yen savings (44.2%), followed by investment trusts (16.3%) and stock investments (12.5%).
**2. Roughly 1 in 4 Use Tax-Advantaged Systems**
The proportion of people using NISA or DC systems was 27.0%. By system, NISA users accounted for 22.3% and DC users for 13.5%, indicating NISA is relatively more popular. 8.7% of all respondents use both systems.
An analysis by income shows that as annual income increases, the rate of using both systems rises significantly, with over 30% of those earning ¥10 million or more using both. DC usage, in particular, markedly increases with income.
A three-year comparison from 2024 shows a decrease in non-users across many age groups, with the proportion of those using both DC and NISA increasing in all age groups except for those in their 60s.
**3. About 80% of DC Users are Positive About NISA**
While only 15.7% of non-DC participants use NISA, 64.7% of DC participants (either corporate DC or iDeCo) also use NISA. This rate is even higher, at around 70%, for users of iDeCo, which requires proactive enrollment.
Among corporate DC-only participants, NISA usage was highest for those aged 18-29. For iDeCo-only participants, it was highest among those in their 30s.
**4. Over Half of Young NISA Users Interested in iDeCo**
The iDeCo usage rate among NISA users is 25.8%, more than ten times higher than the 2.4% rate for non-NISA users. It became clear that, especially among younger generations, over half of NISA users are interested in iDeCo.
**Key Points:**
- Roughly 1 in 4 people use tax-advantaged systems (Corporate DC/iDeCo, NISA).
- About 60% of DC users also use NISA; this rises to about 80% when including those intending to use it.
- Over half of young NISA users are also interested in iDeCo.
**1. Roughly 60% of People are Engaged in Asset Formation**
According to the survey, 43.3% of respondents said they are "not doing anything for asset formation," which conversely means 56.7% are engaged in some form of it. The most common methods were Japanese Yen savings (44.2%), followed by investment trusts (16.3%) and stock investments (12.5%).
**2. Roughly 1 in 4 Use Tax-Advantaged Systems**
The proportion of people using NISA or DC systems was 27.0%. By system, NISA users accounted for 22.3% and DC users for 13.5%, indicating NISA is relatively more popular. 8.7% of all respondents use both systems.
An analysis by income shows that as annual income increases, the rate of using both systems rises significantly, with over 30% of those earning ¥10 million or more using both. DC usage, in particular, markedly increases with income.
A three-year comparison from 2024 shows a decrease in non-users across many age groups, with the proportion of those using both DC and NISA increasing in all age groups except for those in their 60s.
**3. About 80% of DC Users are Positive About NISA**
While only 15.7% of non-DC participants use NISA, 64.7% of DC participants (either corporate DC or iDeCo) also use NISA. This rate is even higher, at around 70%, for users of iDeCo, which requires proactive enrollment.
Among corporate DC-only participants, NISA usage was highest for those aged 18-29. For iDeCo-only participants, it was highest among those in their 30s.
**4. Over Half of Young NISA Users Interested in iDeCo**
The iDeCo usage rate among NISA users is 25.8%, more than ten times higher than the 2.4% rate for non-NISA users. It became clear that, especially among younger generations, over half of NISA users are interested in iDeCo.
FAQ
この調査で明らかになった、資産形成に取り組んでいる人の割合は？
2026年1月時点で、全国18歳～69歳の約56.7%、およそ6割の人が何らかの資産形成に取り組んでいます。
NISAやDC（iDeCo）といった税制優遇制度は、どのくらいの人が利用していますか？
NISAまたはDC制度を利用している人は全体の27.0%で、およそ4人に1人の割合です。制度別ではNISAが22.3%、DCが13.5%です。
DC（企業型DC・iDeCo）利用者は、NISAも利用している傾向がありますか？
はい。DC利用者のうち約65%がNISAも利用しており、NISAの利用意向がある人を含めると約8割に達します。これはDC非加入者のNISA利用率（15.7%）を大幅に上回ります。
年収とNISA・DCの利用状況に関係はありますか？
はい。年収が上がるにつれて両制度を併用する割合も大幅に上がり、年収1,000万円以上の層では3割以上が両立しています。
NISA利用者は、iDeCo（個人型確定拠出年金）に関心を持っていますか？
はい。NISA利用者のiDeCo利用率は25.8%と、非利用者の10倍以上です。特に若年層で関心が高く、半数強が利用に前向きです。