{"id":1382,"date":"2012-07-09T15:54:00","date_gmt":"2012-07-09T23:54:00","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1382"},"modified":"2012-06-27T09:42:07","modified_gmt":"2012-06-27T17:42:07","slug":"mutual-fund-fee1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/mutual-fund-fee1\/","title":{"rendered":"\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u306e\u624b\u6570\u6599\u306b\u304a\u6c17\u3092\u3064\u3051\u3092\uff01(1)\uff0dSales Load"},"content":{"rendered":"<p>401(k)\u3084529\u3001\u3042\u308b\u3044\u306f\u305d\u308c\u4ee5\u5916\u306e\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\uff08\u6295\u8cc7\u4fe1\u8a17\uff09\u3092\u304a\u4f7f\u3044\u306e\u65b9\u306f\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u3001\u8ab0\u304b\u3089\u3069\u3046\u3044\u3046\u5f62\u3067\u8cb7\u3046\u304b\u306b\u3088\u3063\u3066\u3001\u307e\u3063\u305f\u304f\u540c\u3058\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u306e\u3067\u3082\u3001\u6295\u8cc7\u7d50\u679c\u304c\u9055\u3063\u3066\u304f\u308b\u3053\u3068\u304c\u3042\u308b\u306e\u3092\u3054\u5b58\u77e5\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u308c\u306f\u3001\u8cb7\u3044\u65b9\u30fb\u9078\u3073\u65b9\u306b\u3088\u3063\u3066\u624b\u6570\u6599\u304c\u9055\u3063\u3066\u304f\u308b\u304b\u3089\u3067\u3059\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306b\u307e\u3064\u308f\u308b\u624b\u6570\u6599\u306b\u306f\u305f\u304f\u3055\u3093\u306e\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u4eca\u56de\u306f\u305d\u306e\u3046\u3061\u306e\u3072\u3068\u3064Sales Load\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/mutual-fund-fee-1.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1383\" title=\"mutual fund fee (1)\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/mutual-fund-fee-1.png?resize=495%2C368&#038;ssl=1\" alt=\"401\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000529\u3000\u30d5\u30a1\u30f3\u30c9\u3000\u624b\u6570\u6599\" width=\"495\" height=\"368\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/mutual-fund-fee-1.png?w=684&amp;ssl=1 684w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/mutual-fund-fee-1.png?resize=300%2C223&amp;ssl=1 300w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><\/p>\n<h2>Sales Load\u3068\u306f<\/h2>\n<p>Sales Load\u3068\u306f\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u3084\u305d\u306e\u4ed6\u3001\u682a\u3084\u50b5\u6a29\u306a\u3069\u306e\u6295\u8cc7\u5a92\u4f53\u3092\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3057\u3066\u8cfc\u5165\u3057\u305f\u5834\u5408\u306b\u304b\u304b\u308b\u624b\u6570\u6599\uff08\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\uff09\u3067\u3059\u3002\u30d6\u30ed\u30fc\u30ab\u30fc\u306e\u8ca9\u58f2\u6d3b\u52d5\u306b\u5bfe\u3057\u3066\u306e\u5831\u916c\u3068\u3057\u3066\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u5bfe\u3057\u3066\u652f\u6255\u308f\u308c\u307e\u3059\u3002\u30d6\u30ed\u30fc\u30ab\u30fc\u3068\u306f\u3001\u3042\u306a\u305f\u306e\u4f7f\u3046\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3042\u3063\u305f\u308a\u3001\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u30fb\u30a2\u30c9\u30d0\u30a4\u30b8\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u9280\u884c\u306e\u62c5\u5f53\u8005\u3067\u3042\u3063\u305f\u308a\u3001\u5927\u304d\u306a\u6295\u8cc7\u30d6\u30ed\u30fc\u30b1\u30fc\u30b8\u4f1a\u793e\u3067\u3042\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u904b\u55b6\u3057\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u306e\u5185\u90e8\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3042\u3063\u305f\u308a\u3057\u307e\u3059\u3002<\/p>\n<p>Sales Load\u306f\u305d\u308c\u305e\u308c\u306e\u30d5\u30a1\u30f3\u30c9\u306eProspectus\uff08\u6295\u8cc7\u5a92\u4f53\u306b\u3064\u3044\u3066\u306e\u8aac\u660e\u66f8\uff09\u3067\u78ba\u8a8d\u3057\u307e\u3059\u3002\u3082\u3046\u3059\u3067\u306b\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3057\u3066\u3044\u308b\u306e\u3067\u3042\u308c\u3070\u3001Prospectus\u306f\u90f5\u4fbf\u3067\u304a\u624b\u5143\u306b\u5c4a\u304f\u3068\u601d\u3044\u307e\u3059\u3002\u306a\u304f\u3057\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3084\u3001\u4eca\u304b\u3089\u6295\u8cc7\u3059\u308b\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3082\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>Sales Load\u306f\u3001401(k)\u3084403(b)\u3001457\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30d7\u30e9\u30f3\u306a\u3069\u3092\u901a\u3057\u3066\u8cfc\u5165\u3057\u305f\u5834\u5408\u306f\u304b\u304b\u3089\u306a\u3044\u306e\u304c\u3075\u3064\u3046\u3067\u3059\u304c\u3001529\u3084IRA\u306a\u3069\u3092\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3057\u3066\u8cfc\u5165\u3057\u305f\u5834\u5408\u306f\u304b\u304b\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>SEC(\u30a2\u30e1\u30ea\u30ab\u8a3c\u5238\u53d6\u5f15\u59d4\u54e1\u4f1a)\u306f\u3001Sales Load\u306f8.5%\u307e\u3067\u3068\u5b9a\u3081\u3066\u3044\u307e\u3059\u30028.5%\u3068\u306f\u3001\u6295\u8cc7\u6b8b\u9ad8\u306e8.5%\u3068\u3044\u3046\u3053\u3068\u3067\u6c17\u5206\u304c\u60aa\u304f\u306a\u308b\u307b\u3069\u9ad8\u3044\u6570\u5b57\u3067\u3059\u3002\u901a\u5e38\u306eSales Load\u306f8.5%\u307e\u3067\u306f\u9ad8\u304f\u306a\u3044\u306b\u3057\u3066\u3082\u30013%\uff5e5%\u3068\u3044\u3046\u3088\u3046\u306aSales Load\u306f\u3088\u304f\u3042\u308b\u3088\u3046\u3067\u3059\u3002Sales Load\u306e\u304b\u304b\u308a\u304b\u305f\u306b\u306f\u3044\u308d\u3044\u308d\u306a\u7a2e\u985e\u304c\u3042\u308a\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u306e\u7acb\u5834\u304b\u3089\u3059\u308b\u3068\u3001\u308f\u3056\u308f\u3056\u308f\u304b\u308a\u306b\u304f\u304f\u3059\u308b\u305f\u3081\u306b\u8907\u96d1\u306b\u3057\u3066\u3044\u308b\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u7591\u3044\u305f\u304f\u306a\u308a\u307e\u3059\uff08\u5b9f\u969b\u305d\u3046\u3058\u3083\u306a\u3044\u304b\u306a\u3002\u3002\uff09\u3002\u3069\u3093\u306a\u3082\u306e\u304c\u3042\u308b\u304b\u3068\u3044\u3046\u3068\u3002\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3>Front End Load<\/h3>\n<p>Front End Load\u306f\u901a\u5e38\u30af\u30e9\u30b9 A\u30b7\u30a7\u30a2\uff08\u30af\u30e9\u30b9\u306b\u3064\u3044\u3066\u306e\u8aac\u660e\u306f\u5f8c\u307b\u3069\u3002\u3002\uff09\u306b\u5bfe\u3057\u3066\u8ab2\u3055\u308c\u308bSales Load\u3067\u3042\u308a\u3001\u305f\u3060\u5358\u306bSales Charge\u3068\u3082\u547c\u3070\u308c\u307e\u3059\u3002\u30d6\u30ed\u30ab\u30fc\u3092\u4ecb\u3057\u3066\u30d5\u30a1\u30f3\u30c9\u306e\u30b7\u30a7\u30a2\u3092\u8cfc\u5165\u3057\u305f\u5834\u5408\u3001\u305d\u306e\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u5bfe\u3057\u3066\u652f\u6255\u308f\u308c\u308b\u8ca9\u58f2\u624b\u6570\u6599\u3067\u3059\u3002Front End Load\u306f\u6295\u8cc7\u3059\u308b\u5143\u672c\u3092\u76f4\u63a5\u7684\u306b\u6e1b\u3089\u3057\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001$10,000\u3092\u6295\u8cc7\u3059\u308b\u969b\u30015%\u306eFront End Load\u3092\u8ab2\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u3068\u3059\u308c\u3070\u3001$500\uff08$10,000\uff580.05\uff09\u306f\u8ca9\u58f2\u624b\u6570\u6599\u3068\u3057\u3066\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u652f\u6255\u308f\u308c\u307e\u3059\u3002\u305d\u308c\u3092\u5dee\u3057\u5f15\u3044\u305f\u6295\u8cc7\u5143\u672c\u306f$9500\uff08$10,000-\uff09\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/Front-End-Load.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1384\" title=\"Front End Load\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/Front-End-Load.png?resize=340%2C212&#038;ssl=1\" alt=\"401\u3000529\u3000\u6295\u8cc7\u3000\u624b\u6570\u6599\u3000\u30d5\u30a1\u30f3\u30c9\" width=\"340\" height=\"212\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/Front-End-Load.png?w=522&amp;ssl=1 522w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/Front-End-Load.png?resize=300%2C187&amp;ssl=1 300w\" sizes=\"auto, (max-width: 340px) 100vw, 340px\" \/><\/a>\u6295\u8cc7\u5143\u672c\u304c\u5c11\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u305d\u306e\u5f8c\u306e\u6295\u8cc7\u5229\u56de\u308a\u3082\u305d\u306e\u5206\u5c11\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u5e74\u52296.0%\u3092\u898b\u8fbc\u3081\u308b\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u3068\u304d\u3001Front End Load\u304c5%\u3067\u3042\u3063\u305f\u5834\u5408\u3068\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u652f\u6255\u3046\u624b\u6570\u6599\u304c\u306a\u3044\u5834\u5408\u3092\u6bd4\u3079\u308b\u3068\u3001\u6295\u8cc7\u671f\u9593\u304c\u9577\u304f\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u3001\u5229\u56de\u308a\u306b\u5dee\u304c\u958b\u304d\u3001\uff13\uff10\u5e74\u6295\u8cc7\u3057\u305f\u5834\u5408\u3067\u306f\u3001\u6295\u8cc7\u30d0\u30e9\u30f3\u30b9\u306b$57,435-$54,563\uff1d$2,872\u306e\u5dee\u304c\u3067\u307e\u3059\u3002$10,000\u306e\u6295\u8cc7\u3067$2,872\u306e\u5dee\u306f\u5927\u304d\u3044\u3067\u3059\u306d\u3002<\/p>\n<p>\u6295\u8cc7\u5143\u672c\u304c\u5927\u304d\u3044\u307b\u3069\u3001Front End Load\u306e\u7d76\u5bfe\u984d\u3082\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002\u6295\u8cc7\u984d\u304c\u4e00\u5b9a\u4ee5\u4e0a\u3067\u3042\u308c\u3070\u3001\u305d\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u304c\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\u3057\u3066\u3082\u3089\u3048\u308b\u3057\u304f\u307f\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u3067\u304d\u308c\u3070Frond End Load\u306f\u6975\u529b\u907f\u3051\u308b\u8cb7\u3044\u65b9\u3092\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3>Back\u00a0 End Load<\/h3>\n<p>Back\u00a0 End Load\u306f\u901a\u5e38\u30af\u30e9\u30b9 B\u30b7\u30a7\u30a2\u306b\u5bfe\u3057\u3066\u8ab2\u3055\u308c\u308b\u8ca9\u58f2\u624b\u6570\u6599\u3067\u3042\u308a\u3001Deferred Sales Charge\uff08\u9045\u5ef6\u8ca9\u58f2\u624b\u6570\u6599\uff09\u3068\u3082\u547c\u3070\u308c\u307e\u3059\u3002\u30d5\u30a1\u30f3\u30c9\u306e\u30b7\u30a7\u30a2\u3092\u8cb7\u3063\u305f\u3068\u304d\u3067\u306f\u306a\u304f\u3001\u58f2\u3063\u305f\u3068\u304d\u306b\u304b\u304b\u308b\u624b\u6570\u6599\u3067\u3001\u8cb7\u3063\u305f\u3068\u304d\u306e\u30d6\u30ed\u30fc\u30ab\u30fc\u306b\u652f\u6255\u308f\u308c\u307e\u3059\u3002\u8cb7\u3063\u305f\u3068\u304d\u306b\u3059\u3050\u304b\u304b\u308b\u624b\u6570\u6599\u306b\u96e3\u8272\u3092\u793a\u3059\u4eba\u304c\u591a\u3044\u305f\u3081\u3001\u8003\u6848\u3055\u308c\u305f\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/p>\n<p>\u6700\u3082\u5178\u578b\u7684\u306aBack End Load\u306fContingent Deferred Sales Load\uff08CDSL\uff09\u3068\u547c\u3070\u308c\u3001\u4f55\u5e74\u305d\u306e\u30b7\u30a7\u30a2\u3092\u6301\u3063\u3066\u308b\u304b\u306b\u3088\u3063\u3066\u5909\u5316\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u6700\u521d\u306e1\u5e74\u76ee\u306f5%\u3067\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u3053\u308c\u306f\u3082\u30571\u5e74\u76ee\u306b\u30b7\u30a7\u30a2\u3092\u58f2\u3063\u305f\u3089\uff08\u30d5\u30a1\u30f3\u30c9\u306b\u5bfe\u3057\u3066\u58f2\u308a\u623b\u3057\u305f\u3089\uff09\u304b\u304b\u308b\u624b\u6570\u6599\u3067\u3059\u30021\u5e74\u3054\u3068\u306b\u3053\u306e\u624b\u6570\u6599\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306f\u6e1b\u5c11\u3057\u3066\u3044\u304d\u30012\u5e74\u3081\u3067\u306f4%\u30013\u5e74\u76ee\u3067\u306f3%\u3068\u3044\u3046\u3050\u3042\u3044\u3067\u30016\u5e74\u305f\u3063\u305f\u6642\u70b9\u3067\u3001Back\u00a0 End Load\u306f0%\u3001\u3064\u307e\u308a\u30b7\u30a7\u30a2\u3092\u58f2\u3063\u3066\u3082\u8ca9\u58f2\u624b\u6570\u6599\u304c\u304b\u304b\u3089\u306a\u3044\u72b6\u614b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>Back End Load\u306f\u3001Front End Load\u306e\u3088\u3046\u306b\u6700\u521d\u306b\u5f15\u304b\u308c\u308b\u624b\u6570\u6599\u3067\u306f\u306a\u3044\u306e\u3067\u3001\uff08\u305d\u306e\u4ed6\u5225\u9014\u8ab2\u3055\u308c\u308bPurchase Fee\u306a\u3069\u304c\u306a\u3044\u3068\u3044\u3046\u524d\u63d0\u306a\u3089\uff09\u6240\u6301\u91d1\u306e100\uff05\u304c\u6295\u8cc7\u5143\u672c\u306b\u56de\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u5341\u5206\u9577\u304f(\u4e0a\u8a18\u306e\u4f8b\u3067\u3042\u308c\u30705\u5e74\u9593\u4ee5\u4e0a)\u30b7\u30a7\u30a2\u3092\u6301\u3061\u7d9a\u3051\u308c\u3070\u3001Back\u00a0 End Load\u304c\u5168\u304f\u304b\u304b\u3089\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u306e\u3082\u3044\u3044\u3067\u3059\u306d\u3002\u305f\u3060\u3001CDSL\u30bf\u30a4\u30d7\u306eBack\u00a0 End Load\u306e\u5834\u5408\u306f\u3001\u3075\u3064\u3046\u5225\u9014<span style=\"color: #ff6600;\">12b-1 Fee \uff08Operating Expenses, Distribution and\/or Service Fee \uff09<\/span>\u304c\u304b\u304b\u308b\u3088\u3046\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u306e12b-1 fee\u306f\u5e74\u3005\u304b\u304b\u308b\u624b\u6570\u6599\u3067\u3059\u3002\u3064\u307e\u308a\u3001Sales Load\u306f\u5b89\u304f\u3057\u3066\u304a\u304f\u3051\u3069\u3001\u5e74\u3005\u3042\u308b\u4e00\u5b9a\u984d\u306e\u624b\u6570\u6599\u306f\u3044\u305f\u3060\u304d\u307e\u3059\u3068\u3044\u3046\u8ca9\u58f2\u65b9\u6cd5\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u3082\u500b\u4eba\u6295\u8cc7\u5bb6\u306e\u76ee\u3092\u304f\u3089\u307e\u3059\u624b\u6cd5\u3067\u306f\u306a\u3044\u304b\u3068\u7591\u3044\u305f\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3>Low\u00a0 Load\/No Load<\/h3>\n<p>\u4e0a\u8a18\u306eCDSL\u306e\u671f\u9593\u304c\u77ed\u304f\u3001\u8cfc\u5165\u5f8c\u77ed\u671f\u9593\u3067Sales Load\u304c\u304b\u304b\u3089\u306a\u3044\u72b6\u614b\u306b\u306a\u308b\u3082\u306e\u3092Low Load\u3068\u3044\u3044\u3001\u307e\u305fSales Load\u304c\u5168\u304f\u306a\u3044\u30b7\u30a7\u30a2\u3092No Load\u3068\u3044\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u30bf\u30a4\u30d7\u306f\u30af\u30e9\u30b9 C\u30b7\u30a7\u30a2\u3068\u547c\u3070\u308c\u307e\u3059\u3002\u805e\u3053\u3048\u306f\u3044\u3044\u306e\u3067\u3059\u304c\u3001\u305d\u306e\u5206\u3001\u5148\u307b\u3069\u306e<span style=\"color: #ff6600;\">12b-1 Fee \uff08Operating Expenses, Distribution and\/or Service Fee \uff09<\/span>\u304c\u4e00\u756a\u9ad8\u3081\u3067\u3059\u3002\u3064\u307e\u308a\u3001Sales Load\u306f\u307b\u3068\u3093\u3069\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u5e74\u3005\u306e\u624b\u6570\u6599\u306f\u305f\u3093\u307e\u308a\u3044\u305f\u3060\u304d\u307e\u3059\u3068\u3044\u3046\u8ca9\u58f2\u65b9\u6cd5\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u4e0b\u306e\u8868\u3067\u3001\u30af\u30e9\u30b9A\u3001B\u3001C\u3092\u6bd4\u3079\u3066\u307f\u307e\u3057\u3087\u3046\uff08\u5b57\u304c\u5c0f\u3055\u304f\u3066\u3054\u3081\u3093\u306a\u3055\u3044\u3002\u30af\u30ea\u30c3\u30af\u3059\u308b\u3068\u82e5\u5e72\u5927\u304d\u304f\u306a\u308a\u307e\u3059\uff09\u3002\u3053\u308c\u306fPIMCO\u3000Total Return Fund\u3068\u3044\u3046\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30d7\u30e9\u30f3\u306a\u3069\u3067\u306f\u3088\u304f\u4f7f\u308f\u308c\u308b\u30dc\u30f3\u30c9\u30fb\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/PIMCO-total-return-fund-Sales-Load-by-class.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1385\" title=\"PIMCO total return fund Sales Load by class\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/PIMCO-total-return-fund-Sales-Load-by-class.png?resize=528%2C200&#038;ssl=1\" alt=\"\u6295\u8cc7\u3000529\u3000401\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u3000\u624b\u6570\u6599\" width=\"528\" height=\"200\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/PIMCO-total-return-fund-Sales-Load-by-class.png?w=989&amp;ssl=1 989w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/06\/PIMCO-total-return-fund-Sales-Load-by-class.png?resize=300%2C114&amp;ssl=1 300w\" sizes=\"auto, (max-width: 528px) 100vw, 528px\" \/><\/a><\/p>\n<p>\u30af\u30e9\u30b9\u3068\u3044\u3046\u306e\u306f\u3001Sales Load\u3084Fee\u306a\u3069\u306e\u3068\u308a\u65b9\u3001\u304b\u304b\u308a\u65b9\u306e\u9055\u3044\u306b\u3088\u3063\u3066\u5b9a\u7fa9\u3055\u308c\u308b\u3082\u306e\u3067\u3001\u8cfc\u5165\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u81ea\u4f53\u306b\u306f\u4f55\u306e\u5dee\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3069\u306e\u30af\u30e9\u30b9\u3067\u8cfc\u5165\u3057\u3066\u3082\u3072\u3068\u3064\u306e\u30b7\u30a7\u30a2\u306e\u6295\u8cc7\u5185\u5bb9\u306f\u307e\u3063\u305f\u304f\u5909\u308f\u308a\u304c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u8cb7\u3044\u65b9\u306b\u3088\u3063\u3066\u305f\u3060\u3068\u3089\u308c\u308b\u624b\u6570\u6599\u304c\u9055\u3046\u306e\u3067\u3059\u3002PIMCO Total Return Fund\u306b\u306f\u3053\u308c\u4ee5\u5916\u306b\u3082\uff15\u30af\u30e9\u30b9\u306e\u8a2d\u5b9a\u304c\u3042\u308a\u3001\u3064\u307e\u308a\u5168\u90e8\u3067\uff18\u30af\u30e9\u30b9\u3042\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u4eca\u56de\u306f\u3001Sales Load\u306e\u9055\u3044\u306b\u7126\u70b9\u3092\u3042\u3066\u3066\u3001\u306e\u30af\u30e9\u30b9A\u3001B\u3001C\u3060\u3051\u3092\u6bd4\u8f03\u3057\u3066\u307f\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30af\u30e9\u30b9A\u306f\u3001Front End Load\u304c\u975e\u5e38\u306b\u9ad8\u304f\u3001\u5e74\u3005\u306e12b-1Fee\u304c\u6bd4\u8f03\u7684\u4f4e\u3044\u30b7\u30a7\u30a2\u3067\u3059\u3002\u30af\u30e9\u30b9B\u306f\u3001Fron End Load\u306e\u4ee3\u308f\u308a\u306bBack End Load\u304c\u9ad8\u304f\u3001\u52a0\u3048\u3066\u5e74\u3005\u306e12b-1\u3000Fee\u306e\u8a2d\u5b9a\u3082\u3042\u308a\u307e\u3059\u3002\u30af\u30e9\u30b9C\u306fFront\u3084Back\u306eSales Load\u304c\u307b\u3068\u3093\u3069\u306a\u3044\u4ee3\u308f\u308a\u3001\u5e74\u3005\u306e12b-1\u304c\u975e\u5e38\u306b\u9ad8\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>Sales Load\u3092\u3069\u3046\u3068\u3089\u3048\u308b\u304b<\/h2>\n<p>\u3055\u3066\u3001\u3067\u306f\u3069\u308c\u3092\u8cb7\u3046\u304b\u3002\u3002\u3002\u3069\u306e\u30af\u30e9\u30b9\u3092\u8cb7\u3063\u3066\u3082\u3001Sales Load\u308412b-1 Fee\u3067\u305f\u3093\u307e\u308a\u3068\u3089\u308c\u3066\u3044\u304d\u307e\u3059\u306d\u3002\u3069\u3046\u3057\u3066\u3082\u3001\u3053\u306e\u4e2d\u304b\u3089\u8cb7\u3044\u65b9\u3092\u9078\u3070\u306d\u3070\u306a\u3089\u306a\u3044\u306e\u306a\u3089\u3001\u9577\u671f\u7684\u306b\u6295\u8cc7\u3059\u308b\u306a\u3089A\u304bB\u3001\u77ed\u671f\u3057\u304b\u3082\u305f\u306a\u3044\u3064\u3082\u308a\u306a\u3089C\u3068\u3044\u3046\u3068\u3053\u308d\u3067\u3057\u3087\u3046\u304c\u3001\u7a76\u6975\u306e\u9078\u629e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3002<\/p>\n<p>\u3068\u3053\u308d\u3067\u3001Sales Load\u308212b-1Fee\u3082\u30bc\u30ed\u3067\u8cb7\u3046\u3053\u3068\u304c\u3067\u304d\u305f\u3089\u3069\u3046\u3057\u307e\u3059\uff1f\u305d\u3046\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3055\u305a\u306b\u8cfc\u5165\u3059\u308c\u3070\u3001\u53ef\u80fd\u306a\u306e\u3067\u3059\u3002\u5148\u307b\u3069\u3082\u66f8\u304d\u307e\u3057\u305f\u3088\u3046\u306b\u3001401(k)\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u5834\u5408\u306f\u304a\u305d\u3089\u304f\u3053\u306e\u3088\u3046\u306a\u8cb7\u3044\u65b9\u3082\u591a\u304f\u306e\u5834\u5408\u53ef\u80fd\u3067\u3057\u3087\u3046\u3002529\u3084IRA\u306e\u5834\u5408\u306a\u3089\u3070\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3055\u306a\u3044\u3067\u3001\u81ea\u5206\u3067\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3073\u76f4\u63a5\u30d5\u30a1\u30f3\u30c9\u306e\u30b5\u30a4\u30c8\u306b\u884c\u3063\u3066\u53e3\u5ea7\u3092\u958b\u304f\uff08\u30b7\u30a7\u30a2\u3092\u8cfc\u5165\u3059\u308b\uff09\u624b\u7d9a\u304d\u3092\u3059\u308c\u3070\u3001\u4f4e\u624b\u6570\u6599\u306e\u8cb7\u3044\u65b9\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3082\u3053\u306e\u8cb7\u3044\u65b9\u304c\u3067\u304d\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3057\u3066Sales Load\u3092\u6255\u3063\u3066\u3067\u3057\u304b\u8cb7\u3046\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u304c\u3042\u308b\u306e\u3082\u4e8b\u5b9f\u3067\u3059\u3002\u3057\u304b\u3057\u3001Sales Load\u3092\u6255\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u30d5\u30a1\u30f3\u30c9\uff08Load \u30d5\u30a1\u30f3\u30c9\uff09\u306f\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3055\u306a\u3044\u306e\u3067Load\u308212b-1 Fee\u3082\u8ab2\u305b\u3089\u308c\u306a\u3044\uff08Pure No Load\u30d5\u30a1\u30f3\u30c9\uff09\u306b\u6bd4\u3079\u3066\u3001\u305d\u3093\u306a\u306b\u3059\u3070\u3089\u3057\u3044\u30d5\u30a1\u30f3\u30c9\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u4f59\u5206\u306a\u624b\u6570\u6599\u3092\u6b63\u5f53\u5316\u3067\u304d\u308b\u307b\u3069\u5132\u304b\u308b\u3082\u306e\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<p>&nbsp;<\/p>\n<h2>Load\u30d5\u30a1\u30f3\u30c9\u3000vs\u3000No\u3000Load\u30d5\u30a1\u30f3\u30c9<\/h2>\n<p>\u904e\u53bb\u306e\u69d8\u3005\u306a\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u898b\u308b\u5834\u5408\u3001Load \u30d5\u30a1\u30f3\u30c9\u3068No\u3000Load\u30d5\u30a1\u30f3\u30c9\uff08\u3053\u3053\u3067\u3044\u3046No Load \u30d5\u30a1\u30f3\u30c9\u3068\u306f\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3092\u901a\u3055\u306a\u3044\u3067\u8cb7\u3046\u3082\u306e\u3067\u3001Load\u308212b-1 Fee\u3082\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308a\u3001\u53b3\u5bc6\u306b\u306fPure No 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