Are DC/iDeCo and NISA Rivals or Friends? (2026 Survey) - Approx. 80% of DC/iDeCo Users Positive About NISA
Key facts
- 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.
- Source: PR Times
- Date: May 26, 2026
Direct answer
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.
- Citation
- Are DC/iDeCo and NISA Rivals or Friends? (2026 Survey) - Approx. 80% of DC/iDeCo Users Positive About NISA (May 26, 2026), PR Times
- Source
- PR Times
- Date
- May 26, 2026
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)
**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
What percentage of people are engaged in asset formation according to this survey?
As of January 2026, approximately 56.7% of people aged 18 to 69 nationwide, or about 60%, are engaged in some form of asset formation.
How many people are using tax-advantaged systems like NISA or DC (iDeCo)?
27.0% of people use NISA or DC, which is about one in four. By system, NISA is used by 22.3% and DC by 13.5%.
Do DC (company DC and iDeCo) users tend to use NISA as well?
Yes. About 65% of DC users also use NISA, and including those who intend to use NISA, it reaches about 80%, significantly higher than the NISA usage rate among non-DC users (15.7%).
Is there a relationship between income and the use of NISA and DC?
Yes. The proportion of people using both systems increases significantly with higher income, with over 30% of those earning 10 million yen or more using both.
Are NISA users interested in iDeCo (individual defined contribution pension)?
Yes. The iDeCo usage rate among NISA users is 25.8%, more than ten times that of non-users. Interest is particularly high among younger people, with a strong majority being open to using it.