{"id":1619,"date":"2012-09-03T10:27:37","date_gmt":"2012-09-03T18:27:37","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1619"},"modified":"2013-01-09T23:21:12","modified_gmt":"2013-01-10T07:21:12","slug":"roth-ira-conversion","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/roth-ira-conversion\/","title":{"rendered":"Traditional IRA\u3092Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\uff1f"},"content":{"rendered":"

Roth IRA \u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u3044\u3046\u3053\u3068\u3070\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u304b\uff1f\u30a2\u30e1\u30ea\u30ab\u3067\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u3064\u3044\u3066\u306e\u8a18\u4e8b\u3092\u8aad\u3093\u3067\u3044\u308b\u3068\u3001\u3053\u306eRoth IRA \u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306f\u3053\u3053\u6570\u5e74\u3088\u304f\u76ee\u306b\u3059\u308b\u3061\u3087\u3063\u3068\u3057\u305f\u30cf\u30e4\u30ea\u7528\u8a9e\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u624b\u6301\u3061\u306eTraditional IRA\u3092Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\uff08Traditional IRA\u304b\u3089\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066Roth IRA\u306b\u5165\u308c\u66ff\u3048\u308b\uff09\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002<\/p>\n

2010\u5e74\u306b\u7a0e\u6cd5\u304c\u5909\u66f4\u306b\u306a\u308a\u3001\u3088\u308a\u591a\u304f\u306e\u4eba\u304c\u3053\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002Roth IRA\u306f\u3001\u4eca\u7a0e\u91d1\u3092\u6255\u3063\u3066\u3057\u307e\u3048\u3070\u3001\u305d\u306e\u5f8c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u307e\u3067\u306e\u84c4\u7a4d\u671f\u9593\u3082\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3057\u3066\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u6642\u306b\u3082\u3001\u4e00\u5207\u7a0e\u91d1\u304c\u304b\u304b\u3089\u306a\u3044\u3068\u3044\u3046\u5229\u70b9\u304c\u3042\u308b\u306e\u3068\u3001\u56fd\u5bb6\u7684\u8ca1\u653f\u8d64\u5b57\u306e\u3086\u3048\u5c06\u6765\u7684\u306b\u306f\u7a0e\u91d1\u304c\u4e0a\u6607\u3057\u3066\u3044\u304f\u3060\u308d\u3046\u3068\u3044\u3046\u5371\u60e7\u3068\u304c\u3042\u3044\u307e\u3063\u3066\u3001\u4eca\u306e\u3046\u3061\u306bTraditional IRA\u3092Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u3066\u3057\u307e\u3046\u306e\u304c\u6709\u5229\u3060\u3068\u3044\u3046\u3059\u308b\u8003\u3048\u304c\u5e83\u307e\u308a\u307e\u3057\u305f\u3002\u3067\u3082\u3001\u3053\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3001\u3044\u3064\u3067\u3082\u8ab0\u306b\u3067\u3082\u6709\u5229\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u3044\u307f\u305f\u3044\u3067\u3059\u3002\u3088\u304f\u8003\u3048\u306a\u3044\u3067\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u3066\u3057\u307e\u3046\u3068\u3001\u5f8c\u3067\u30a2\u30ec\u30ec\uff1f\u306a\u3093\u3066\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u81ea\u5206\u306b\u3068\u3063\u3066\u306f\u3069\u3046\u306a\u306e\u304b\u3001\u3088\u304f\u541f\u5473\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u306e\u3088\u3046\u3067\u3059\u3002\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u3079\u304d\u304b\u3069\u3046\u304b\u3092\u6c7a\u3081\u308b\u4e8c\u5927\u8981\u7d20\u3092\u8003\u3048\u307e\u3059\u3002<\/p>\n

\uff11\uff0e\u305d\u3082\u305d\u3082\u3001Traditional\u3068Roth\u3069\u3063\u3061\u304c\u30d9\u30bf\u30fc\u304b<\/h2>\n

\u305f\u3060\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u305f\u3089\u6709\u5229\u305d\u3046\u30fb\u30fb\u3068\u3044\u3046\u306e\u3067\u305d\u3046\u3059\u308b\u3068\u3044\u3046\u306e\u3067\u306f\u306a\u304f\u3001\u305d\u3082\u305d\u3082\u81ea\u5206\u306b\u306fTraditional IRA\u304bRoth IRA\u306e\u3069\u3061\u3089\u304c\u3074\u3063\u305f\u308a\u306a\u306e\u304b\u3092\u8003\u3048\u307e\u3059\u3002\u4e00\u756a\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u73fe\u5728\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\u3068\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\u3002\u4e00\u822c\u7684\u306b\u306f\u3001\u73fe\u5728\u306e\u6240\u5f97\u7a0e\u7387\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u6240\u5f97\u7a0e\u7387\u3088\u308a\u3082\u9ad8\u3044\u306a\u3089Traditional IRA\u304c\u3001\u53cd\u5bfe\u306a\u3089\u3070Roth IRA\u304c\u6709\u5229\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u81ea\u5206\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u3068\u3044\u3046\u3088\u308a\u306f\u3001\u5b50\u3069\u3082\u3084\u5b6b\u306b\u304a\u91d1\u3092\u6b8b\u3057\u305f\u3044\u3068\u3044\u3046\u30cb\u30fc\u30ba\u304c\u3042\u308b\u5834\u5408\u306b\u306f\u3001Roth IRA\u306e\u307b\u3046\u304c\u5229\u7528\u4fa1\u5024\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u4e8c\u3064\u306e\u70b9\u306b\u3064\u3044\u3066\u306f\u3001\u8a73\u3057\u304f\u306f\u3053\u3061\u3089<\/span><\/a>\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002<\/p>\n

 <\/p>\n

\uff12\uff0e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u305f\u3081\u306e\u8cc7\u91d1\u304c\u3042\u308b\u304b<\/h2>\n

\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3059\u308b\u3068\u304a\u91d1\u304c\u304b\u304b\u308b\uff1f\u3000\u3000\u305d\u3046\u3067\u3059\u3001\u304b\u304b\u308a\u307e\u3059\u3002Traditional IRA\u306f\u901a\u5e38\u3001\u6240\u5f97\u7a0e\u63a7\u9664\uff08\u7a0e\u91d1\u3092\u6255\u308f\u305a\u306b\uff09\u3067\u7a4d\u307f\u7acb\u3066\u307e\u3059\u304c\u3001Roth IRA\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3063\u305f\u5f8c\u3067\u7a4d\u307f\u7acb\u3066\u307e\u3059\u3002\u7d50\u679c\u7684\u306b\u3001\u4eca\u3042\u308bTraditional IRA\u3092Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u3068\u306a\u308b\u3068\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u984d\u306b\u5bfe\u3057\u3066\u6240\u5f97\u7a0e\u3092\u4e00\u5ea6\u306b\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002$10,000\u3092\u30b3\u30f3\u30d0\u30fc\uff84\u3059\u308b\u5834\u5408\u3001\u6240\u5f97\u7a0e\u304c25%\u3060\u3068\u3059\u308c\u3070$10,000×0.25\uff1d$2,500\u3092\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u305f\u5e74\u306b\u53ce\u3081\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u7a0e\u91d1\u3092\u6255\u3046\u306e\u306b\u306f\u30011) \u624b\u5143\u306b\u3042\u308b\u304a\u91d1\u304b\u3089$2,500\u3092\u6255\u3046\u30012)\u3000\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b$10,000\u306e\u4e2d\u304b\u3089$2,500\u3092\u6255\u3046\u306e\u3075\u305f\u3064\u306e\u65b9\u6cd5\u304c\u8003\u3048\u3089\u308c\u307e\u3059\u304c\u30012)\u306f\u6975\u529b\u907f\u3051\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u30022)\u306e\u5834\u5408\u3001Traditional IRA\u306e\u8cc7\u91d1\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4ee5\u5916\u306e\uff08\u7a0e\u91d1\u3092\u6255\u3046\u3068\u3044\u3046\uff09\u76ee\u7684\u306b\u5f15\u304d\u304a\u308d\u3059\u306e\u3067\u3001\u6240\u5f97\u7a0e\u306b\u52a0\u3048\u306610\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u304b\u304b\u3063\u3066\u3057\u307e\u3044\u307e\u3059\uff0810\uff05\u30da\u30ca\u30eb\u30c6\u30a3\u306e\u9069\u7528\u6761\u4ef6\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u306f\u3053\u3061\u3089<\/span>\uff09\u3002\u3064\u307e\u308a\u3001\u7a0e\u91d1\u3067$2,500\uff08$10,000×0.25\uff09\u3001\u30da\u30ca\u30eb\u30c6\u30a3\u3067$278(\u5408\u8a08$2,778\u306e10%)\u3068\u306a\u308a\u3001\u3053\u306e\u5408\u8a08\u984d$2,778\u304c\u5143\u672c\u306e$10,000\u304b\u3089\u5dee\u3057\u5f15\u304b\u308c\u305f\u3042\u3068\u306e\u3001\u6b8b\u308a\u306e\uff047,222\u304cRoth IRA\u306e\u6b8b\u9ad8\u3068\u306a\u308b\u308f\u3051\u3067\u3059\u3002\u305b\u3063\u304b\u304f\u8caf\u3081\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u5143\u672c$10,000\u304c$7,222\u306b\u6e1b\u3063\u3066\u3057\u307e\u3046\u308f\u3051\u3067\u3001\u6295\u8cc7\u5143\u672c\u304c\u5c11\u306a\u304f\u306a\u308c\u3070\u6295\u8cc7\u306e\u5229\u56de\u308a\u3082\u5c11\u306a\u304f\u306a\u308a\u3001\uff08\u305f\u3068\u3048\u5c06\u6765\u7684\u306b\u975e\u8ab2\u7a0e\u3068\u3044\u3046\u5229\u70b9\u304c\u3042\u3063\u305f\u3068\u3057\u3066\u3082\uff09\u30ea\u30ab\u30d0\u30fc\u3067\u304d\u306a\u3044\u6253\u6483\u3092\u53d7\u3051\u308b\u3053\u3068\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n

\u3053\u308c\u306b\u5bfe\u3057\u3066\u30011)\u306e\u5834\u5408\u3001\u624b\u5143\u306b\u3042\u308b\u4f59\u5270\u91d1\uff08\u8ab2\u7a0e\u5bfe\u8c61\u306e\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u306a\u3069\uff09\u304b\u3089$2,500\u3092\u652f\u6255\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u5143\u672c\u3092\u6e1b\u3089\u3059\u3053\u3068\u306a\u304f\u6295\u8cc7\u304c\u7d99\u7d9a\u3055\u308c\u3001\u5c06\u6765\u7684\u306b\u306f\u975e\u8ab2\u7a0e\u3068\u3044\u3046\u5229\u70b9\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306f\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306b\u5fc5\u8981\u3068\u306a\u308b\u7a0e\u91d1\u304c\u624b\u5143\u306b\u3042\u3063\u3066\u306f\u3058\u3081\u3066\u8003\u616e\u3059\u308b\u3079\u304d\u3082\u306e\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306d\u3002<\/p>\n

 <\/p>\n

\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u30fb\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf<\/h2>\n

\u81ea\u5206\u306e\u30b1\u30fc\u30b9\u306f\u3069\u3046\u306a\u306e\u304b\u541f\u5473\u3059\u308b\u306b\u306f\u3001\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u4e00\u756a\uff01\u3053\u3053\u3067\u3001\u4fbf\u5229\u306a\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf<\/span><\/a>\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u5165\u529b\u8981\u7d20\u306f\u4ee5\u4e0b\u306e\u3068\u304a\u308a\u3002<\/p>\n

Current Age\u3000\uff1a\u3000\u73fe\u5728\u306e\u5e74\u9f62<\/p>\n

Age when income should start \uff1a\u3000IRA\u304b\u3089\u5f15\u304d\u304a\u308d\u3057\u3092\u958b\u59cb\uff08\u30ea\u30bf\u30a4\u30e4\uff09\u3059\u308b\u5e74\u9f62<\/p>\n

Number of years to receive income\u3000\uff1a\u3000\u5f15\u304d\u304a\u308d\u3057\u3092\u3059\u308b\u5e74\u6570\uff08\u30ea\u30bf\u30a4\u30e4\u304b\u3089\u5bff\u547d\u307e\u3067\uff09<\/p>\n

Before-tax return on savings (%-accumulation phase)\u3000\uff1a\u3000\u30ea\u30bf\u30a4\u30e4\u307e\u3067\u306e\u7a0e\u524d\u5229\u56de\u308a<\/p>\n

Before-tax return on savings (%-distribution phase)\u3000\uff1a\u3000\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u304b\u3089\u306e\u7a0e\u524d\u5229\u56de\u308a<\/p>\n

Income tax bracket\uff08%-accumulation phase)\u3000\uff1a\u3000\u30ea\u30bf\u30a4\u30e4\u307e\u3067\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8<\/p>\n

Income tax bracket\uff08%-distribution phase)\u3000\uff1a\u3000\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u304b\u3089\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8<\/p>\n

Current IRA balance ($)\u3000\uff1a\u3000Traditional IRA\u306e\u6b8b\u9ad8<\/p>\n

Non-Deductible portion of IRA balances ($)\u3000\uff1a\u3000\u4e0a\u8a18\u6b8b\u9ad8\u306e\u3046\u3061\u3001\u7a0e\u63a7\u9664\u306a\u3057\u3067\u7a4d\u307f\u7acb\u3066\u305f\u984d\u3002\u901a\u5e38\u306e\u63a7\u9664\u3042\u308a\u306e\u7a4d\u307f\u7acb\u3066\u306e\u307f\u306a\u3089\u3001\u5165\u529b\u306f\u30bc\u30ed\u3067\u3059\u3002<\/p>\n

How will you pay the conversion tax?\u3000\uff1a\u3000\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u6642\u306b\u5fc5\u8981\u3068\u306a\u308b\u7a0e\u91d1\u3092\u3069\u3046\u652f\u6255\u3046\u304b\u3002\u3000\u624b\u6301\u3061\u306e\uff08IRA\u4ee5\u5916\u306e\uff09\u8cc7\u91d1\u304b\u3089\u6255\u3046\u306a\u30891)\u3002Traditional IRA\u3092\u5f15\u304d\u51fa\u3057\u305f\u8cc7\u91d1\u304b\u3089\u6255\u3046\u306a\u30892)\u3092\u9078\u3073\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u305f\u3068\u3048\u3070\u3001\u4e0b\u8a18\u306f\u73fe\u572845\u6b73\u3067\u300165\u6b73\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4e88\u5b9a\u306e\u4eba\u304c\u3001$50,000\u3092\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u5834\u5408\u3002\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u73fe\u5728\u3088\u308a\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u307b\u3046\u304c\u4f4e\u304f\u306a\u308b\u3053\u3068\u3068\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u305f\u3081\u306e\u7a0e\u91d1\u3092\u6255\u3046\u8cc7\u91d1\u304c\u624b\u5143\u306b\u306a\u304fTraditional IRA\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u30ab\u30d0\u30fc\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u305f\u3081\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306b\u53d7\u3051\u53d6\u308b\u4e88\u60f3\u6708\u984d\u306f\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u305b\u305aTraditional IRA\u306e\u307e\u307e\u6301\u3061\u7d9a\u3051\u305f\u307b\u3046\u304c\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u3053\u308c\u306b\u5bfe\u3057\u3001\u540c\u3058\u4eba\u304c\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u4e0a\u304c\u308b\u3068\u4e88\u60f3\u3057\u3001\u307e\u305f\u52a0\u3048\u3066\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u6642\u306b\u5fc5\u8981\u3068\u306a\u308b\u7a0e\u91d1\u3092\u6255\u3046\u8cc7\u91d1\u304c\u4ed6\u306b\u7528\u610f\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3001\u6708\u3005\u306e\u53d7\u53d6\u984d\u306fRoth IRA\u306e\u307b\u3046\u304c\u591a\u304f\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u305f\u307b\u3046\u304c\u6709\u5229\u306a\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u3069\u3046\u3067\u3057\u3087\u3046\uff1f\u304a\u5f79\u306b\u305f\u3063\u3066\u3067\u3057\u3087\u3046\u304b\uff1f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3084\u3001\u5b9f\u969b\u306eRoth IRA\u3078\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u304a\u8003\u3048\u306e\u5834\u5408\u306f\u3001\u305c\u3072\u5c02\u9580\u5bb6\u306b\u76f8\u8ac7\u306e\u3046\u3048\u614e\u91cd\u306b\u306a\u3055\u3063\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

Roth IRA \u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u3044\u3046\u3053\u3068\u3070\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u304b\uff1f\u30a2\u30e1\u30ea\u30ab\u3067\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u3064\u3044\u3066\u306e\u8a18\u4e8b\u3092\u8aad\u3093\u3067\u3044\u308b\u3068\u3001\u3053\u306eRoth IRA \u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306f\u3053\u3053\u6570\u5e74\u3088\u304f\u76ee\u306b\u3059\u308b\u3061\u3087\u3063\u3068\u3057\u305f\u30cf\u30e4\u30ea\u7528\u8a9e\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u624b\u6301\u3061\u306eTraditional IRA\u3092Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\uff08Traditional IRA\u304b\u3089\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066Roth IRA\u306b\u5165\u308c\u66ff\u3048\u308b\uff09\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":1620,"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":[36,62,38],"tags":[47,50],"class_list":["post-1619","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-tax","category-retirement","tag-retire","tag-pension"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/08\/roth-conversion-simulation-1.png?fit=841%2C352&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-q7","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1619","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=1619"}],"version-history":[{"count":6,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1619\/revisions"}],"predecessor-version":[{"id":2064,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1619\/revisions\/2064"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/1620"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1619"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1619"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}