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¥
Japanese Yen
JPY · Japan
24
Low
Risk
Risk
Historical Scores
What does this mean for you?
The Japanese Yen is one of the safest currencies in the world, scoring just 24 out of 100. Strong institutions, low inflation, and global trust make it a reliable store of value.
You only need about 4.7%/yr to stay ahead. A basic savings account is enough. Calculator ↓
Inflation
3.2%
Debt / GDP
Not available
GDP Growth
1.2%
FX Volatility
17.2
Governance
1.5
Reserves
14.0 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Strong institutions and rule of law
Healthy foreign currency reserves as a safety net
What to watch out for
No major concerns
Savings Impact Calculator
¥
Holding cash in JPY3.2% inflation
¥855−¥145 (14% purchasing power lost)
Your ¥1,000 buys 14% less in 5 years
What if you invested ¥1,000 instead? (5yr, in JPY terms)
Hold USD Cash
¥866
−¥134
-2.8%/yr net in JPY
S&P 500
¥1623
+¥623
range: ¥741–¥3198
10% USD return + 0.2% FX · ±16% vol
Gold
¥1481
+¥481
range: ¥423–¥4034
8% USD return + 0.2% FX · ±24% vol
Bitcoin
¥3073
+¥2073
range: ¥183–¥18.5k
25% USD return + 0.2% FX · ±54% vol
All values in JPY. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.2%/yr based on the inflation differential between Japan (3.2%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Holding other assets too? Calculate your full portfolio risk →
Recent News
All news →Bank of JapanOct 2
Japanese Government Bonds Held by the Bank of Japan
Bank of JapanSep 30
Quarterly Schedule of Outright Purchases of Japanese Government Bonds (Competitive Auction Method) (October-December 2026)
Bank of JapanSep 25
Japanese Government Bonds Held by the Bank of Japan
Bank of JapanSep 14
Japanese Government Bonds Held by the Bank of Japan
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how JPY ranks differently.