{"id":1605,"date":"2012-08-31T10:02:40","date_gmt":"2012-08-31T18:02:40","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1605"},"modified":"2013-01-09T23:21:34","modified_gmt":"2013-01-10T07:21:34","slug":"traditional-roth","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/traditional-roth\/","title":{"rendered":"Roth IRA\u3068Traditional IRA\u3000\u3069\u3061\u3089\u3092\u9078\u3076\uff1f"},"content":{"rendered":"

401(k)\u3068\u4e26\u3093\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u3088\u304f\u4f7f\u308f\u308c\u308bIRA(Individual Retirement Arrangements)\u3002IRA\u306b\u306f\u3044\u308d\u3093\u306a\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u4e2d\u3067\u3082\u3082\u3063\u3068\u3082\u3088\u304f\u4f7f\u308f\u308c\u308b\u306e\u306fRoth IRA\u3068Traditional IRA\u3067\u3059\u306d\u3002\u3053\u306e\u3075\u305f\u3064\u3001\u3069\u3061\u3089\u304c\u30d9\u30bf\u30fc\u304b\u30fb\u30fb\u30fb\u3068\u3044\u3046\u8cea\u554f\u3092\u3088\u304f\u8033\u306b\u3057\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u307e\u3055\u306b\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3002\u3069\u3061\u3089\u304c\u30d9\u30bf\u30fc\u304b\u3068\u3044\u3046\u524d\u306b\u3001\u53ce\u5165\u304c\u306a\u304b\u3063\u305f\u308a\u9006\u306b\u591a\u3059\u304e\u305f\u308a\u3057\u3066\u306f\u305d\u3082\u305d\u3082\u5229\u7528\u3067\u304d\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3067\u306f\u3001\u3069\u3061\u3089\u3082\u5229\u7528\u3067\u304d\u308b\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u3069\u3046\u3084\u3063\u3066\u9078\u3079\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u306d\u3002\u307e\u305a\u306f\u3001\u6bd4\u8f03\u8868\u304b\u3089\u30fb\u30fb\u30fb<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/td>\n\n

Roth IRA<\/strong><\/p>\n<\/td>\n

\n

Traditional IRA<\/strong><\/p>\n<\/td>\n<\/tr>\n

\u6240\u5f97\u7a0e\u9762\u306e\u512a\u9047<\/td>\n\u7a4d\u307f\u7acb\u3066\u306f\u6240\u5f97\u7a0e\u306e\u63a7\u9664\u306a\u3057\u3001\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u3082\u7121\u7a0e\u3002<\/td>\n\u7a4d\u307f\u7acb\u3066\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u3042\u308a\u3001\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u7a0e\u91d1\u304c\u304b\u304b\u308b\u3002<\/td>\n<\/tr>\n
\u8cc7\u683c(\u5e74\u9f62)<\/td>\n\u5e74\u9f62\u5236\u9650\u306a\u3057\u3002\u305f\u3060\u3057\u52e4\u52b4\u6240\u5f97\u304c\u3042\u308b\u3053\u3068\u3002<\/td>\n70\u6b73\u534a\u4ee5\u4e0b\u3067\u3001\u52e4\u52b4\u6240\u5f97\u304c\u3042\u308b\u3053\u3068\u3002<\/td>\n<\/tr>\n
\u8cc7\u683c(\u53ce\u5165)<\/td>\nMax\u3000Contribution(\u4e0a\u9650\u984d\u307e\u3067\u7a4d\u307f\u7acb\u3066\u53ef)\uff1aSingle File\uff1d$110,000\u307e\u3067\u3001Joint File\uff1d$173,000\u307e\u3067<\/td>\nMaximum\u3000Deduction(\u4e0a\u9650\u984d\u307e\u3067\u63a7\u9664)\uff1a\u8077\u5834\u306e\uff98\uff80\uff72\uff94\uff92\uff9d\uff84\uff65\uff8c\uff9f\uff97\uff9d\u3042\u308a\u2192Singl\uff1d$58,000\u3001Joint=$92,000\u3001\u8077\u5834\u306e\uff8c\uff9f\uff97\uff9d\u306a\u3057\u2192Single\/Joint =\u7121\u5236\u9650\u3001\u914d\u5076\u8005\u304c\u8077\u5834\u306e\uff8c\uff9f\uff97\uff9d\u3042\u308a\u2192$173,000<\/td>\n<\/tr>\n
Reduced\u3000Contribution(\u6e1b\u984d\u3067\u7a4d\u307f\u7acb\u3066\u53ef)\uff1aSingle File=$110,000\u304b\u3089$125,000\u307e\u3067\u3001Joint File=$173,000\u304b\u3089$183,000\u307e\u3067<\/td>\nReduced\u3000Deduction(\u63a7\u9664\u6e1b\u984d)\uff1a\u8077\u5834\u306e\uff98\uff80\uff72\uff94\uff92\uff9d\uff84\uff65\uff8c\uff9f\uff97\uff9d\u3042\u308a\u2192Single=$58,000\u304b\u3089$68,00\u30000\u3001Joint=$92,000\u304b\u3089$112,000\u3001\u914d\u5076\u8005\u304c\u8077\u5834\u306e\uff8c\uff9f\uff97\uff9d\u3042\u308a\u2192$173,000\u304b\u3089183,000<\/td>\n<\/tr>\n
Max\u3000Contribution(\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\u984d)<\/td>\n$5,000\u3001\u305f\u3060\u305750\u6b73\u4ee5\u4e0a\u306a\u3089$6,000\u3002\u6240\u5f97\u304c\u305d\u308c\u3088\u308a\u5c11\u306a\u3051\u308c\u3070\u3001\u6240\u5f97\u984d\u304c\u9650\u5ea6<\/td>\n<\/tr>\n
\u5f15\u304d\u51fa\u3057\u6642\u306e\u6240\u5f97\u7a0e<\/td>\n\u5143\u672c\uff1a\u3044\u3064\u3067\u3082\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u3057\u53ef\u80fd<\/td>\n\u5143\u672c\uff1a\u8ab2\u7a0e<\/td>\n<\/tr>\n
\u5229\u5b50\uff1a\u7a4d\u307f\u7acb\u3066\u304b\u30895\u5e74\u4ee5\u4e0a\u305f\u3061\u3001\u304b\u3064\u30011) 59\u6b73\u534a\u4ee5\u4e0a\u30012) \u6b7b\u4ea1\u30013) \u30c7\u30a3\u30b9\u30a2\u30d3\u30ea\u30c6\u30a3\u30014) \u521d\u3081\u3066\u306e\u6301\u3061\u5bb6\u3000\u306e\u3069\u308c\u304b\u306b\u5f53\u3066\u306f\u307e\u308c\u3070\u975e\u8ab2\u7a0e<\/td>\n\u5229\u5b50\uff1a\u8ab2\u7a0e<\/td>\n<\/tr>\n
10%\u30da\u30ca\u30eb\u30c6\u30a3<\/td>\n1) 59\u6b73\u534a\u4ee5\u4e0a\u30012) \u6b7b\u4ea1\u30013) \u30c7\u30a3\u30b9\u30a2\u30d3\u30ea\u30c6\u30a3\u30014) \u521d\u3081\u3066\u306e\u6301\u3061\u5bb6\u306e\u6761\u4ef6\u304b\u30015) \u9ad8\u984d\u533b\u7642\u8cbb\u30016) \u9ad8\u7b49\u6559\u80b2\u8cbb\u306a\u3069\u306e\u6761\u4ef6\u306e\u3069\u308c\u3082\u6e80\u305f\u3055\u306a\u3044\u5834\u5408\u306b\u306f\u3001\u8ab2\u7a0e\u5bfe\u8c61\u90e8\u5206\u306b10%\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u8ab2\u305b\u3089\u308c\u308b\u3002<\/td>\n<\/tr>\n
Min. Required Distributions(\u6700\u4f4e\u5f15\u304d\u51fa\u3057\u984d\uff09<\/td>\n\u306a\u3057<\/td>\n70\u6b73\u534a\u3088\u308a\u3001\u6700\u4f4e\u984d\u306e\u5f15\u304d\u51fa\u3057\u304c\u5fc5\u8981<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

*\u9650\u5ea6\u984d\u306a\u3069\u306f2012\u5e74\u306e\u6570\u5b57<\/p>\n

\u3069\u3061\u3089\u3092\u9078\u3076\u306e\u304c\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002\u4ee5\u4e0b\u3001\u9078\u629e\u306e\u305f\u3081\u306e\uff13\u3064\u306e\u8981\u7d20\u3092\u8003\u3048\u307e\u3059\u3002<\/p>\n

\u53ce\u5165<\/h2>\n

\u53ce\u5165\u306b\u3088\u3063\u3066\u3001Roth IRA\u306f\u7a4d\u307f\u7acb\u3066\u53ef\u80fd\u306a\u984d\u304c\u6c7a\u307e\u308a\u307e\u3059\u3002Traditional IRA\u306f\u53ce\u5165\u306b\u304b\u304b\u308f\u3089\u305a\u7a4d\u307f\u7acb\u3066\u306f\u53ef\u80fd\u3067\u3059\u304c\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u304d\u308b\u984d\u304c\u5909\u5316\u3057\u307e\u3059\u3002\u9ad8\u984d\u6240\u5f97\u8005\u306f\u3001Roth IRA\u306f\u5229\u7528\u4e0d\u53ef\u3067\u3042\u308b\u3046\u3048\u3001Traditional IRA\u306b\u63a7\u9664\u306a\u3057\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u3057\u304b\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u63a7\u9664\u306a\u3057\u306b\u7a4d\u307f\u7acb\u3066\u308bTraditional IRA\u306fNon-deductible IRA\u3068\u547c\u3070\u308c\u307e\u3059\u3002Non-deductible\u3000IRA\u306f\u7a4d\u307f\u7acb\u3066\u6642\u3082\u63a7\u9664\u306a\u3057\u3001\u5f15\u304d\u51fa\u3057\u6642\u3082\u8ab2\u7a0e\u3067\u3044\u3044\u3068\u3053\u306a\u3057\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u305f\u3060\u904b\u7528\u5229\u56de\u308a\u306f\u5f15\u304d\u51fa\u3059\u3068\u304d\u307e\u3067\u8ab2\u7a0e\u3055\u308c\u306a\u3044\uff08\u7a0e\u9045\u5ef6)\u306e\u5229\u70b9\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3075\u3064\u3046\u306b\u5229\u56de\u308a\u304c\u8ab2\u7a0e\u3055\u308c\u308b\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u306b\u6bd4\u3079\u308b\u3068\u3001\u904b\u7528\u984d\u3092\u65e9\u304f\u5897\u3084\u305b\u308b\u3068\u3044\u3046\u5229\u70b9\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u6700\u8fd1\u3067\u306f\u6240\u5f97\u5236\u9650\u306b\u3072\u3063\u304b\u304b\u3063\u3066Roth IRA\u306b\u306f\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u306a\u3044\u5834\u5408\u306b\u3001\u3044\u3063\u305f\u3093Non-deductible\u3000IRA\u306b\u7a4d\u307f\u7acb\u3066\u3066\u3001\u305d\u308c\u3092Roth IRA\u306e\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306b\u300c\u7d4c\u7531\u5730\u300d\u3068\u3057\u3066\u4f7f\u308f\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8<\/h2>\n

\u57fa\u672c\u7684\u306b\u3001Roth IRA\u306f\u7a4d\u307f\u7acb\u3066\u3066\u308b\u3068\u304d\u306b\u6240\u5f97\u7a0e\u3092\u6255\u3044\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306f\u7121\u7a0e\uff08\u6240\u5f97\u306b\u6570\u3048\u3089\u308c\u306a\u3044\uff09\u3067OK\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001Traditional IRA\u306f\u7a4d\u307f\u7acb\u3066\u308b\u3068\u304d\u306b\u306f\u7121\u7a0e\uff08\u6240\u5f97\u63a7\u9664\u306b\u3088\u308a\u6240\u5f97\u7a0e\u3092\u6e1b\u3089\u3059\uff09\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3046\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u4e00\u751f\u61f8\u547d\u306f\u305f\u3089\u3044\u3066\u8caf\u3081\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u8cc7\u91d1\u3092\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306b\u4f7f\u3046\u3068\u3044\u3046\u5178\u578b\u7684\u306a\u30b1\u30fc\u30b9\u3067\u3044\u3051\u3070\u3001\u7a4d\u307f\u7acb\u3066\u6642\u306f\u52e4\u52b4\u6240\u5f97\u304c\u305d\u308c\u306a\u308a\u306b\u3042\u308b\u308f\u3051\u3067\u6240\u5f97\u7a0e\u7387\u306f\u76f8\u5bfe\u7684\u306b\u9ad8\u304f\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306f\u6240\u5f97\u304c\u305d\u308c\u306a\u308a\u306b\u4f4e\u4e0b\u3057\u3001\u6240\u5f97\u7a0e\u7387\u306f\u76f8\u5bfe\u7684\u306b\u4f4e\u304f\u306a\u308b\u3068\u3044\u3046\u306e\u304c\u3075\u3064\u3046\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u5834\u5408\u3001\u4ed6\u306e\u6761\u4ef6\u304c\u4e00\u5b9a\u3067\u3042\u308c\u3070\u3001Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u6642\u70b9\u3067\u7bc0\u7d04\u3067\u304d\u308b\u7a0e\u91d1\u306e\u307b\u3046\u304c\u3001Roth IRA\u3067\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u7bc0\u7d04\u3067\u304d\u308b\u7a0e\u91d1\u3088\u308a\u591a\u304f\u306a\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u305f\u307b\u3046\u304c\u6709\u5229\u3067\u3059\u3002<\/p>\n

\u53cd\u5bfe\u306b\u3001\u73fe\u5728\u5931\u696d\u4e2d\u3067\u3042\u308b\u3068\u304b\u3001\u3042\u308b\u3044\u306f\u4e00\u6642\u7684\u306a\u4e0d\u666f\u6c17\u306e\u305f\u3081\u6240\u5f97\u304c\u6fc0\u6e1b\u3057\u305f\u305f\u3081\u3001\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u4eca\u5e74\u306f\u4f4e\u304f\u3001\u5c06\u6765\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306e\u307b\u3046\u304c\u304b\u3048\u3063\u3066\u7a0e\u7387\u304c\u9ad8\u304f\u306a\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u5834\u5408\u306f\u3001Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u6642\u70b9\u3067\u7bc0\u7d04\u3067\u304d\u308b\u7a0e\u91d1\u306f\u6bd4\u8f03\u7684\u5c0f\u3055\u304f\u3001\u5c06\u6765Roth IRA\u3067\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u7bc0\u7d04\u3067\u304d\u308b\u7a0e\u91d1\u306e\u307b\u3046\u304c\u591a\u304f\u306a\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001Roth IRA\u306b\u7a4d\u307f\u7acb\u3066\u305f\u307b\u3046\u304c\u6709\u5229\u3067\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u9023\u90a6\u7a0e\u3060\u3051\u3067\u306a\u304f\u5dde\u7a0e\u3082\u8003\u616e\u306b\u5165\u308c\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4eca\u4f4f\u3093\u3067\u3044\u308b\u306e\u304c\u6bd4\u8f03\u7684\u3001\u5dde\u306e\u6240\u5f97\u7a0e\u306e\u9ad8\u3044\u5dde\uff08New York, New Jersey, California, Oregon\u3001Hawaii\u306a\u3069)\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306f\u6240\u5f97\u7a0e\u306e\u4f4e\u3044\u5dde\uff08Florida, Texas\u3001Nevada\u306a\u3069\u306f\u5dde\u306e\u6240\u5f97\u7a0e\u30bc\u30ed\u3067\u3059\u3063\u3066\uff01\u3046\u3089\u3084\u307e\u3057~\uff09\u306b\u5f15\u3063\u8d8a\u3059\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001Traditional IRA\u306e\u307b\u3046\u304c\u6709\u5229\u3001\u305d\u306e\u53cd\u5bfe\u3067\u3042\u308c\u3070Roth IRA\u306e\u307b\u3046\u304c\u6709\u5229\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u306d\u3002<\/p>\n

\u305d\u306e\u4e2d\u5eb8\u3067\u3001\u73fe\u5728\u306e\u7a0e\u7387\u3068\u5f15\u304d\u51fa\u3057\u6642\u306e\u7a0e\u7387\u304c\u540c\u3058\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u7bc0\u7d04\u3067\u304d\u308b\u7a0e\u91d1\u306e\u3053\u3068\u3060\u3051\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u3059\u308c\u3070\u3001\u3069\u3061\u3089\u3067\u3082\u540c\u3058\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u6700\u8fd1\u3067\u306f\u30a2\u30e1\u30ea\u30ab\u306e\u56fd\u5bb6\u8d64\u5b57\u305f\u3081\u3001\u5c06\u6765\u306b\u308f\u305f\u3063\u3066\u7a0e\u7387\u306f\u4e0a\u304c\u308a\u7d9a\u3051\u308b\u3060\u308d\u3046\u3068\u3044\u3046\u8003\u3048\u65b9\u304c\u5f37\u304f\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u672c\u6765\u306a\u3089\u3070\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306f\u6240\u5f97\u304c\u4f4e\u304f\u306a\u308a\u7a0e\u7387\u304c\u4e0b\u304c\u308b\u306f\u305a\u3067\u3042\u308b\u3068\u3053\u308d\u3001\u56fd\u5bb6\u7684\u306b\u5168\u4f53\u306e\u7a0e\u8ca0\u62c5\u304c\u4e0a\u304c\u3089\u3056\u308b\u3092\u5f97\u306a\u3044\u305f\u3081\u3001\u81ea\u5206\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u7a0e\u7387\u306f\u3001\u4eca\u652f\u6255\u3063\u3066\u3044\u308b\u7a0e\u7387\u3088\u308a\u9ad8\u304f\u306a\u308b\u3067\u3042\u308d\u3046\uff08\u305f\u3068\u3048\u6240\u5f97\u304c\u4e0b\u304c\u3063\u3066\u3082\uff01\u3067\u3059\uff09\u3068\u3044\u3046\u5371\u60e7\u304c\u5b58\u5728\u3059\u308b\u308f\u3051\u3067\u3059\u3002\u306a\u3093\u3060\u304b\u3061\u3087\u3063\u3068\u8003\u3048\u308b\u3060\u3051\u3067\u6697\u304f\u306a\u308a\u305d\u3046\u3067\u3059\u304c\u3001\u3082\u3057\u305d\u3046\u4fe1\u3058\u308b\u306e\u3067\u3042\u308c\u3070Roth IRA\u306e\u307b\u3046\u304c\u6709\u5229\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u3042\u304f\u307e\u3067\u4e88\u60f3\u3067\u3059\u304b\u3089\u306a\u3093\u3068\u3082\u3044\u3048\u307e\u305b\u3093\u3002<\/p>\n

\u307e\u305f\u3001\u8ffd\u52a0\u3067\u3059\u304c\u3001\u30ab\u30ec\u30c3\u30b8\u306a\u3069\u306e\u9ad8\u7b49\u6559\u80b2\u306e\u305f\u3081\u306b\u306f\u3069\u3061\u3089\u306eIRA\u304b\u3089\u3082\u30da\u30ca\u30eb\u30c6\u30a3\u30fc\u306a\u3057\u3067\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u7a0e\u91d1\u306f\u6255\u308f\u306d\u3070\u306a\u308a\u307e\u305b\u3093\uff08Roth IRA\u306e\u5834\u5408\u306f\u5229\u5b50\u306e\u307f\u306b\u5bfe\u3057\u3066\uff09\u3002\u3053\u306e\u5834\u5408\u306f\u3001\u7a4d\u307f\u7acb\u3066\u6642\u306e\u7a0e\u7387\u3068\u30ab\u30ec\u30c3\u30b8\u306e\u305f\u3081\u306b\u5f15\u304d\u51fa\u3057\u6642\uff08\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u3067\u306f\u306a\u304f\u3066\uff09\u306e\u7a0e\u7387\u306e\u6bd4\u8f03\u306b\u306a\u308a\u3001\u5f53\u7136\u5f8c\u8005\u306e\u307b\u3046\u304c\u9ad8\u3044\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u3048\u307e\u3059\u3002\u305d\u3046\u306a\u308b\u3068\u3001Roth IRA\u306e\u307b\u3046\u304c\u6709\u5229\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u3064\u307e\u308b\u3068\u3053\u308d\u3001Roth IRA\u3068Traditional IRA\u3069\u3061\u3089\u304c\u6709\u5229\u304b\u306f\u3001\u7a4d\u307f\u7acb\u3066\u6642\u306b\u6255\u3046\u7a0e\u91d1\u3068\u5f15\u304d\u51fa\u3057\u6642\u306b\u6255\u3046\u7a0e\u91d1\u306e\u3069\u3061\u3089\u304c\u5c11\u306a\u3044\u304b\u306e\u554f\u984c\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306d\u3002\u3002<\/p>\n

 <\/p>\n

\u30a8\u30b9\u30c6\u30a4\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\uff08\u76f8\u7d9a\u5bfe\u7b56\uff09<\/h2>\n

\u5f15\u304d\u51fa\u3057\u306b\u95a2\u3057\u3066\u306e\u5927\u304d\u306a\u9055\u3044\u306f\u3001Minimum Required Distributions\u3000(\u6700\u4f4e\u5f15\u304d\u51fa\u3057\u984d\uff09\u306e\u8a2d\u5b9a\u306e\u6709\u7121\u3067\u3059\u3002Traditional IRA\u306e\u5834\u5408\u300170\u6b73\u534a\u306b\u306a\u3063\u305f\u6642\u70b9\u3067\u3001\u6700\u4f4e\u9650\u5f15\u304d\u51fa\u3055\u306d\u3070\u306a\u3089\u306a\u3044\u984d\u3068\u3044\u3046\u306e\u304c\u767a\u751f\u3057\u307e\u3059\u3002\u3053\u306e\u984d\u306f\u3001\u305d\u306e\u6642\u70b9\u3067\u306e\u4e88\u60f3\u5bff\u547d\u304b\u3089\u5272\u308a\u51fa\u3055\u308c\u308b\u3082\u306e\u3067\u3059\u3002\u30ea\u30bf\u30a4\u3084\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u3075\u3093\u3060\u3093\u3042\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u30fb\u30d9\u30cd\u30d5\u30a3\u30c8\u3067\u306f\u30ab\u30d0\u30fc\u3057\u304d\u308c\u306a\u3044\u751f\u6d3b\u8cbb\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3067\u307e\u304b\u306a\u3046\u3053\u3068\u304c\u5fc5\u8981\u306a\u5834\u5408\uff08\u3064\u307e\u308a\u3001\u5927\u591a\u6570\u306e\u30d5\u30c4\u30a6\u306e\u4eba\u305f\u3061\u306b\u3068\u3063\u3066\uff09\u306f\u3001\u3053\u306eMinimum Required Distributions\u306f\u5927\u304d\u306a\u554f\u984c\u306b\u306a\u3089\u306a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u3042\u306a\u305f\u304c\u5bcc\u88d5\u5c64\u3067IRA\u304b\u3089\u306f\u7279\u306b\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3055\u306a\u304f\u3066\u3082\u8001\u5f8c\u306e\u751f\u6d3b\u304c\u306a\u308a\u305f\u3063\u3066\u3044\u304f\u3088\u3046\u306a\u5834\u5408\u306f\u3001\u3053\u306eMinimum Required Distributions\u306f\u9762\u5012\u306a\u3082\u306e\u3067\u3059\uff08\u305d\u3093\u306a\u7acb\u5834\u306b\u306a\u308a\u305f\u3044\u3067\u3059\u3051\u308c\u3069\u3082\u30fb\u30fb\u30fb\uff09\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3082\u3057\u3001Roth IRA\u3067\u304a\u91d1\u3092\u8caf\u3081\u3066\u3044\u305f\u3068\u3057\u305f\u3089\u3001\u3053\u306eMinimum Required Distributions\u304c\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u4e00\u751f\u6daf\u3001\u975e\u8ab2\u7a0e\u306e\u307e\u307e\u304a\u91d1\u3092\u8caf\u3081\u3066\u7f6e\u3051\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f\u3001IRA\u306e\u304a\u91d1\u306f\u305d\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30b7\u30e3\u30ea\u30fc\uff08\u53d7\u76ca\u8005\u3001\u76f8\u7d9a\u8005\uff09\u306b\u5f15\u304d\u6e21\u3055\u308c\u307e\u3059\u304c\u3001Traditional IRA\u306e\u5834\u5408\u306f\u3001\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u305f\u3068\u304d\u306b\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u304c\u81ea\u5206\u306e\u53ce\u5165\u3068\u3057\u3066\u7a0e\u91d1\u3092\u6255\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001Roth IRA\u306e\u5834\u5408\u306f\u3001\u3059\u3067\u306b\u6b7b\u4ea1\u3057\u305f\u672c\u4eba\u304c\u7a0e\u5f15\u304d\u5f8c\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u308f\u3051\u3067\u3059\u304b\u3089\u3001\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u304c\u5f15\u304d\u51fa\u3059\u6642\u70b9\u3067\u7a0e\u91d1\u3092\u6255\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u8a00\u3044\u63db\u3048\u308c\u3070\u3001\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u306b\u4ee3\u308f\u3063\u3066\u7a0e\u91d1\u3092\u6255\u3063\u3066\u3042\u3052\u305f\u3046\u3048\u3067\u3001\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u304c\u3044\u3064\u5f15\u304d\u51fa\u3057\u3066\u3082\u975e\u8ab2\u7a0e\u3067\u4f7f\u3048\u308b\u8cc7\u91d1\u3092\u6b8b\u3057\u3066\u3042\u3052\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001Roth IRA\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u7a4d\u307f\u7acb\u3066\u3068\u3044\u3046\u672c\u6765\u306e\u76ee\u7684\u306b\u52a0\u3048\u3066\u3001\u76f8\u7d9a\u7a0e\u5bfe\u7b56\u306b\u3082\u4f7f\u308f\u308c\u308b\u3053\u3068\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Roth IRA\u3068Traditional IRA\u3001\u3069\u3061\u3089\u304c\u30d9\u30bf\u30fc\u304b\u30fb\u30fb\u30fb\u3068\u3044\u3046\u8cea\u554f\u3092\u3088\u304f\u8033\u306b\u3057\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u307e\u3055\u306b\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3002\u3069\u3061\u3089\u304c\u30d9\u30bf\u30fc\u304b\u3068\u3044\u3046\u524d\u306b\u3001\u53ce\u5165\u304c\u306a\u304b\u3063\u305f\u308a\u9006\u306b\u591a\u3059\u304e\u305f\u308a\u3057\u3066\u306f\u305d\u3082\u305d\u3082\u5229\u7528\u3067\u304d\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3067\u306f\u3001\u3069\u3061\u3089\u3082\u5229\u7528\u3067\u304d\u308b\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u3069\u3046\u3084\u3063\u3066\u9078\u3079\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u306d\u3002\u307e\u305a\u306f\u3001\u6bd4\u8f03\u8868\u304b\u3089\u30fb\u30fb\u30fb <\/p>\n","protected":false},"author":1,"featured_media":4028,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[62,38],"tags":[47,60],"class_list":["post-1605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax","category-retirement","tag-retire","tag-60"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-succulan.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-pT","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1605","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=1605"}],"version-history":[{"count":14,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1605\/revisions"}],"predecessor-version":[{"id":1607,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1605\/revisions\/1607"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4028"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}