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Glossary term

iDeCo

Individual-type defined contribution pension (Japan)

🇯🇵Japan · Tax Year 2026Reviewed Plain-English
Definition

What is iDeCo?

iDeCo is Japan's voluntary individual pension. Contributions are fully deductible from income tax and inhabitant tax (up to ¥816k/year for a company employee without a corporate DC plan). Funds grow tax-free; withdrawals from age 60 are taxed favourably as retirement or lump-sum income.

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