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BackこどもNISAが202027年1月開始、0～17歳対象に年60万円の非課税枠
こどもNISAが202027年1月開始、0～17歳対象に年60万円の非課税枠
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朝日新聞1 hour agoBusiness1 min readJapanView translation

こどもNISAが202027年1月開始、0～17歳対象に年60万円の非課税枠

こどもnisaつみたて投資枠非課税

Quick Look

NISAの年齢制限を撤廃し、0～17歳を対象とする「こどもNISA」が2027年1月から始まる。口座開設は10月1日から順次開始。つみたて投資枠と同様の仕組みで、月5万円・年60万円の投資上限があり、元本ベースで合計600万円まで非課税となる。証券業界は若年層への投資誘導の呼び水になると期待している。

AI-generated summary

Why It Matters

NISAは少額投資非課税制度で、投資利益にかかる税金（約2割）が非課税となる。現在のNISAにはつみたて投資枠（年120万円）と成長投資枠（年240万円）がある。

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NISA（少額投資非課税制度）の年齢制限をなくし、0～17歳を対象にした「こどもNISA」が2027年1月から始まる。これに先立ち、口座開設の受け付けが10月1日から順次スタートする。証券業界は若年層を投資に誘導する新たな「呼び水」になるとして、期待を寄せている。

投資信託や株式の売却益や配当益などには、本来約2割の税金がかかる。NISAはこうした税金がかからず、利益が全て手元に残る制度だ。

NISAには、定期的・継続的に低コストな投資信託を買う「つみたて投資枠」（上限年120万円）と、幅広い株式や投資信託を単発で買える「成長投資枠」（同年240万円）がある。

こどもNISAはつみたて投資枠と同じ仕組みで、投資の上限は月5万円、年60万円。元本ベースで合計600万円分が非課税（無期限）となる。

将来の進学などのために、親

What to Watch

AI outlook — possibilities, not facts

  • こどもNISAの口座開設数が開始初年度に100万口座を超える

    Possible · Within years

Open Questions

  • こどもNISAの口座管理者は誰になるのか（親か、本人か）
  • 出金時の制限や条件はあるか
  • 金融教育との連携策はあるか

Related Topics

こどもnisa
Organizations証券業界
Places日本
Topicsつみたて投資枠非課税投資信託株式証券業界若年層
This article was originally published by 朝日新聞.

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