{"id":1368,"date":"2012-06-13T09:00:29","date_gmt":"2012-06-13T17:00:29","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1368"},"modified":"2012-06-04T09:10:07","modified_gmt":"2012-06-04T17:10:07","slug":"retirement-workpaper","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirement-workpaper\/","title":{"rendered":"\u5b89\u5fc3\u8001\u5f8c\u3078\u306e\u9375\u306f\uff1f\u3000-\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u5e95\u3092\u3064\u304b\u306a\u3044\u3088\u3046\u306b"},"content":{"rendered":"<p>\u3054\u81ea\u5206\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u81ea\u4fe1\u304c\u3042\u308a\u307e\u3059\u304b\uff1f\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3068\u304f\u308c\u3070\u3001\u601d\u3044\u6d6e\u304b\u3079\u308b\u306e\u306f\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u3068\u3044\u3046\u3053\u3068\u3070\u3067\u3059\u3002\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u3068\u304f\u308c\u3070\u3001\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u3044\u3046\u306e\u304c\u304a\u304d\u307e\u308a\u306e\u30b3\u30fc\u30b9\u3067\u3059\u304c\u3001\u30dc\u30b9\u30c8\u30f3\u30fb\u30ab\u30ec\u30c3\u30b8\u306e<a target=\"_blank\" href=\"http:\/\/crr.bc.edu\/working-papers\/how-important-is-asset-allocation-to-financial-security-in-retirement\/\" >Center for Retirement Research\u306e\u6700\u8fd1\u306e\u30ec\u30dd\u30fc\u30c8<\/a>\u3067\u306f\u3001\u300c<a href=\"http:\/\/smartandresponsible.com\/blog\/model-asset-allocation\/\" title=\"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3078\u306e\u6295\u8cc7\u3000-\u3000\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30fc\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u9078\u3076\" >\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3<\/a>\u306f\u9a12\u304c\u308c\u3066\u3044\u308b\u307b\u3069\u91cd\u8981\u3067\u306f\u306a\u3044\u300d\u3068\u3044\u3046\u7d50\u8ad6\u3092\u767a\u8868\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u3068\u3044\u3048\u3070\u3001\u307e\u305a\u306f\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u3092\u601d\u3044\u6d6e\u304b\u3079\u308b\u4eba\u306f\u591a\u304f\u3001\u591a\u304f\u306e\u4eba\u304c\u300c\u4f55\u306b\u6295\u8cc7\u3059\u308b\u304b\u300d\u304c\u975e\u5e38\u306b\u5927\u5207\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u30d1\u30fc\u30bd\u30ca\u30eb\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u96d1\u8a8c\u306a\u3069\u3092\u624b\u306b\u3068\u3063\u3066\u3082\u3001\u3069\u3053\u306e\u4f1a\u793e\u306e\u682a\u304c\u4f38\u3073\u305d\u3046\u304b\u3001\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u5546\u54c1\u306b\u6295\u8cc7\u3059\u3079\u304d\u304b\u3001\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u6700\u9069\u306a\u5272\u308a\u632f\u308a\u65b9\u306f\u3069\u3046\u304b\u306a\u3069\u306e\u8a18\u4e8b\u3092\u975e\u5e38\u306b\u591a\u304f\u76ee\u306b\u3057\u307e\u3059\u3002\u30ef\u30f3\u30e9\u30f3\u30af\u4e0a\u306e\u6295\u8cc7\u6210\u7e3e\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u3001Actively Managed Fund\uff08\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u304c\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u6a5f\u3092\u898b\u3066\u3001\u30d5\u30a1\u30f3\u30c9\u306e\u4e2d\u306e\u682a\u3084\u50b5\u5238\u306a\u3069\u3092\u983b\u7e41\u306b\u58f2\u308a\u8cb7\u3044\u3059\u308b\u3053\u3068\u3067\u3001\u5f93\u6765\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30fb\u30d5\u30a1\u30f3\u30c9\u4ee5\u4e0a\u306e\u5229\u56de\u308a\u3092\u72d9\u3046\u30d5\u30a1\u30f3\u30c9\uff09\u306b\u6295\u8cc7\u3092\u3057\u305f\u308a\u3001\u30a4\u30f3\u30d9\u30f3\u30b9\u30c8\u30e1\u30f3\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u96c7\u3063\u305f\u308a\u3059\u308b\u3072\u3068\u3082\u3044\u307e\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u30b5\u30fc\u30d3\u30b9\u306b\u306f\u4f59\u5206\u306a\u624b\u6570\u6599\u304c\u5fc5\u8981\u3067\u3059\u304c\u3001\u305d\u308c\u3092\u30ab\u30d0\u30fc\u3057\u3066\u3042\u307e\u308b\u6295\u8cc7\u6210\u7e3e\u304c\u5f97\u3089\u308c\u308b\u3068\u8003\u3048\u308b\u304b\u3089\u3067\u3057\u3087\u3046\u3002<\/p>\n<h2>\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306f\u91cd\u8981\u3067\u306f\u306a\u3044\uff1f<\/h2>\n<p>\u3057\u304b\u3057\u3001\u4eca\u56de\u306e\u30dc\u30b9\u30c8\u30f3\u30fb\u30ab\u30ec\u30c3\u30b8\u306e<strong>\u30ea\u30b5\u30fc\u30c1\u306b\u3088\u308b\u3068\u3001\u300c\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306f\u305d\u308c\u307b\u3069\u91cd\u8981\u3067\u306f\u306a\u3044\u300d<\/strong>\u3001\u3064\u307e\u308a\u4f55\u306b\u6295\u8cc7\u3057\u3066\u3069\u306e\u304f\u3089\u3044\u306e\u5229\u56de\u308a\u3092\u5f97\u308b\u304b\u3088\u308a\u3082\u3063\u3068\u5927\u5207\u306a\u8981\u7d20\u304c\u5b58\u5728\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3089\u3057\u3044\u3067\u3059\u3002<\/p>\n<p>\u8abf\u67fb\u5bfe\u8c61\u4e16\u5e2f\u304c\u73fe\u72b6\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u6e96\u5099\u3092\u7dad\u6301\u3057\u305f\u5834\u5408\u3001<strong>62\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3059\u308c\u307074%\u304c\u300167\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3059\u308c\u307047\uff05\u304c\u3001\u5bff\u547d\u3092\u5168\u3046\u3059\u308b\u524d\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u5e95\u3092\u3064\u304f<\/strong>\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002\u3002<\/p>\n<p>\u305d\u3053\u3067\u30ea\u30b5\u30fc\u30c1\u30e3\u30fc\u306f\uff13\u3064\u306e\u30b7\u30ca\u30ea\u30aa\u3092\u8003\u3048\u307e\u3057\u305f\u3002\uff11\uff09\u3000\u7406\u60f3\u7684\u306a\u30a2\u30bb\u30c3\u30c8\u30fb\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u3001\u30ea\u30b9\u30af\u306a\u30576.5\uff05\u306e\u7406\u60f3\u7684\u306a\u30ea\u30bf\u30fc\u30f3\u3092\u5f97\u7d9a\u3051\u308b\u3001\uff12\uff09\u3000\u30ea\u30d0\u30fc\u30b9\u30fb\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7d44\u3080\u3001\uff13\uff09 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