{"id":1625,"date":"2012-08-27T17:24:53","date_gmt":"2012-08-28T01:24:53","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1625"},"modified":"2017-11-30T12:43:08","modified_gmt":"2017-11-30T20:43:08","slug":"ira-basics","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/ira-basics\/","title":{"rendered":"IRA\u306e\u30ad\u30db\u30f3\u3000\u2013\u3000IRA\u3063\u3066\u4f55\uff1f"},"content":{"rendered":"

IRA\u306fIndividual Retirement Arrangements\uff08\u3042\u308b\u3044\u306fAccounts\uff09\u306e\u7565\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306e\u7a4d\u307f\u7acb\u3066\u30d7\u30e9\u30f3\u306e\u3053\u3068\u3067\u3059\u3002401(k)\u3068\u4e26\u3093\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u3088\u304f\u4f7f\u308f\u308c\u308b\u30c4\u30fc\u30eb\u3067\u3059\u3002\uff29\uff32\uff21\u306e\u4e3b\u306a\u5229\u70b9\u306f\u3001\u6295\u8cc7\u306e\u5229\u56de\u308a\u306b\u304b\u304b\u308b\u7a0e\u91d1\u304c\u3001\u8001\u5f8c\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u307e\u3067\u9045\u5ef6\u3055\u308c\u308b\uff08\uff54\uff41\uff58 \uff44\uff45\uff46\uff45\uff52\uff52\uff45\uff44\uff09\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u53cd\u5bfe\u306b\u3001IRA\u306e\u6b20\u70b9\u306f\u3001\uff15\uff19\u6b73\u534a\u306b\u306a\u308b\u524d\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u305f\u5834\u5408\u3084\u3001\u4e00\u5b9a\u6761\u4ef6\u3092\u6e80\u305f\u3055\u306a\u3044\u4f7f\u3044\u65b9\u3092\u3057\u305f\u5834\u5408\u306b\u306f\u3001\u30da\u30ca\u30eb\u30c6\u30a3\u30fc\u304c\u8ab2\u305b\u3089\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

IRA\u306f\u3001\u305d\u308c\u81ea\u4f53\u304c\u6295\u8cc7\u5a92\u4f53\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002IRA\u306f\u3001401(k)\u306a\u3069\u3068\u540c\u69d8\u3001\u8caf\u84c4\u30fb\u6295\u8cc7\u3092\u3059\u308b\u305f\u3081\u306e\u67a0\u7d44\u307f\u30d7\u30e9\u30f3\u3067\u3059\u3002IRA\u3068\u3044\u3046\u67a0\u7d44\u307f\u306e\u306a\u304b\u3067\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u63d0\u4f9b\u3059\u308b\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u629e\u3057\u3001\u8caf\u84c4\u30fb\u6295\u8cc7\u3092\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

401(k)\u306f\u96c7\u7528\u4e3b\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3055\u308c\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u901a\u5e38\u3088\u304f\u8a71\u306b\u51fa\u3066\u304f\u308bIRA\u306f\u96c7\u7528\u4e3b\u3068\u306f\u95a2\u4fc2\u306a\u304f\u3001\u9280\u884c\u53e3\u5ea7\u306e\u3088\u3046\u306b\u500b\u4eba\u304c\u81ea\u5206\u3067\u958b\u304f\u3082\u306e\u3067\u3059\uff08\u500b\u4eba\uff29\uff32\uff21\uff09\u3002\u9280\u884c\u3001\u8a3c\u5238\u4f1a\u793e\u3001\u4fdd\u967a\u4f1a\u793e\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306e\u591a\u304f\u304c\u3001IRA\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u304a\u308a\u3001\u6700\u8fd1\u3067\u306f\u7a93\u53e3\u307e\u3067\u51fa\u5411\u304b\u306a\u304f\u3066\u3082\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u81ea\u5206\u3067\u7c21\u5358\u306b\u53e3\u5ea7\u3092\u3064\u304f\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4e00\u822c\u7684\u306b\u3001401(k)\u3092\u901a\u3057\u3066\u9078\u629e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u6295\u8cc7\u5a92\u4f53\u306b\u6bd4\u3079\u3066\u3001IRA\u3092\u901a\u3057\u3066\u9078\u629e\u3067\u304d\u308b\u6295\u8cc7\u5a92\u4f53\u306e\u307b\u3046\u304c\u591a\u7a2e\u591a\u69d8\u3067\u3042\u308b\u3068\u3044\u3046\u5229\u70b9\u304c\u3042\u308a\u307e\u3059\u3002\u81ea\u5206\u306e\u4f1a\u793e\u306e401(k)\u306b\u306f\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305f\u6295\u8cc7\u5a92\u4f53\u304c\u898b\u3064\u304b\u3089\u306a\u3044\u5834\u5408\u306b\u306f\u3001IRA\u3092\u901a\u3057\u3066\u3074\u3063\u305f\u308a\u306e\u6295\u8cc7\u5a92\u4f53\u304c\u898b\u3064\u3051\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002\u305f\u3060\u3001\u3042\u307e\u308a\u306b\u591a\u304f\u306e\u9078\u629e\u80a2\u304c\u3042\u308a\u3059\u304e\u3066\u8ff7\u3063\u3066\u3044\u3057\u307e\u3046\u3053\u3068\u3082\u3042\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

IRA\u306b\u306f\u3044\u308d\u3044\u308d\u306a\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u3053\u3067\u306f\u4e3b\u8981\u306a\uff15\u3064\u306b\u3064\u3044\u3066\u307f\u3066\u898b\u307e\u3057\u3087\u3046\u3002\u6700\u521d\u306e\u4e09\u3064\u306f\u500b\u4ebaIRA\u3001\u3042\u3068\u306e\u4e8c\u3064\u306f\u96c7\u7528\u4e3b\u306e\u63d0\u4f9b\u3059\u308b\uff29\uff32\uff21\u3067\u3059\u3002<\/p>\n

\uff1c\u500b\u4ebaIRA\uff1e<\/h2>\n

\uff11\uff0eTraditional IRA<\/h3>\n

\u7a4d\u307f\u7acb\u3066\u308b\u8cc7\u91d1\u306f\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u6240\u5f97\u7a0e\u30d6\u30e9\u30b1\u30c3\u30c8\u304c25%\u306e\u4eba\u304c$3,000\u3092\u7a4d\u307f\u7acb\u3066\u308b\u5834\u5408\u3001$3,000×0.25=$750\u5206\u3060\u3051\u6240\u5f97\u7a0e\u304c\u7bc0\u7d04\u3067\u304d\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002IRA\u3092\u901a\u3057\u3066\u6295\u8cc7\u3057\u305f\u682a\u306e\u914d\u5f53\u91d1\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30b2\u30a4\u30f3\u3001\u5229\u606f\u306a\u3069\u306e\u5229\u56de\u308a\u306f\u3001\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u307e\u3067\u8ab2\u7a0e\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u305b\u3093\uff08\u3053\u308c\u3092\u7a0e\u306e\u9045\u5ef6<tax deferred>\u3068\u3044\u3046\uff09\u3002\u5f15\u304d\u51fa\u3057\u6642\u306b\u3001\u305d\u306e\u6642\u70b9\u306e\u6240\u5f97\u7a0e\u7387\u306b\u3088\u3063\u3066\u7a0e\u91d1\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3082\u3057\u300159\u6b73\u534a\u524d\u306b\u5f15\u304d\u51fa\u3057\u305f\u308a\u3001\u305d\u306e\u4ed6\u4e00\u5b9a\u6761\u4ef6\u3092\u6e80\u305f\u3055\u306a\u3044\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3068\u300110%\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u8ab2\u305b\u3089\u308c\u307e\u3059\u3002\u307e\u305f\u300170\u6b73\u534a\u306b\u306a\u3063\u305f\u6642\u70b9\u3067\u3001\u5fc5\u8981\u306e\u6709\u7121\u306b\u304b\u304b\u308f\u3089\u305a\u3001\u5fc5\u305a\u6700\u4f4e\u984d\u3092\u5f15\u304d\u51fa\u3057\u59cb\u3081\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u898f\u5b9a\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

\uff12\uff0eRoth IRA<\/h3>\n

\u7a4d\u307f\u7acb\u3066\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3063\u305f\u4e0a\u3067\u884c\u3044\u307e\u3059\u304c\u3001\u5229\u56de\u308a\u306f\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3055\u308c\u307e\u3059\uff08tax deferred\uff09\u3002\u5143\u91d1\u306f\u3044\u3064\u3067\u3082\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u305b\u307e\u3059\u3002\u5229\u56de\u308a\u306f\u300159\u6b73\u534a\u4ee5\u964d\u306e\u5f15\u304d\u51fa\u3057\u3067\u3042\u308c\u3070\uff08\u3042\u308b\u3044\u306f\u305d\u306e\u4ed6\u306e\u4e00\u5b9a\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\uff09\u3001\u8ab2\u7a0e\u3055\u308c\u307e\u305b\u3093\u3002\u7a4d\u307f\u7acb\u3066\u6642\u306b\u7a0e\u91d1\u3092\u6255\u3063\u3066\u3057\u307e\u3048\u3070\u3001\u305d\u306e\u5f8c\u4e00\u5207\u975e\u8ab2\u7a0e\u3068\u3044\u3046\u9b45\u529b\u304c\u3042\u308b\u305f\u3081\u3001\u6700\u8fd1\u30d5\u30a9\u30fc\u30ab\u30b9\u3055\u308c\u3066\u3044\u308b\u30d7\u30e9\u30f3\u3067\u3059\u3002<\/p>\n

\uff13\uff0eNondeductible Traditional IRA\u3000(\u63a7\u9664\u306a\u3057\u306eTraditional IRA)<\/h3>\n

\u7a4d\u307f\u7acb\u3066\u6642\u306b\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u306a\u3044Traditional IRA\u3067\u3059\u3002\u6240\u5f97\u304c\u4e00\u5b9a\u3067\u3042\u308b\u3068\u3001Roth IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u8a31\u3055\u308c\u306a\u3044\u3046\u3048\u3001Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3082\u63a7\u9664\u3082\u53d7\u3051\u3089\u308c\u306a\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u7406\u7531\u3067\u3001\u63a7\u9664\u3042\u308a\u3067Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u8a31\u3055\u308c\u306a\u3044\u3051\u308c\u3069\u3082\u3001\u305d\u308c\u3067\u3082\u6562\u3048\u3066IRA\u306b\u7a4d\u307f\u7acb\u3066\u304c\u3057\u305f\u3044\u3068\u3044\u3046\u5834\u5408\u306b\u4f7f\u308f\u308c\u307e\u3059\u3002\u6700\u8fd1\u3067\u306f\u3001\u9ad8\u6240\u5f97\u8005\u304c\u3001\u3044\u3063\u305f\u3093Nondeductible Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u3092\u884c\u3044\u3001\u3053\u308c\u3092\u5f8c\u65e5Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u3053\u3068\u3067\u3001\u9ad8\u6240\u5f97\u3067\u3082Roth IRA\u306e\u5229\u7528\u3092\u53ef\u80fd\u306b\u3059\u308b\u3068\u3044\u3046\u65b9\u6cd5\u3082\u4f7f\u308f\u308c\u3066\u3044\u307e\u3059\u3002Nondeductible Traditional IRA\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3063\u305f\u5f8c\u3067\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u306e\u3067\u3001\u5f15\u304d\u51fa\u3057\u6642\u306b\u306f\u8ab2\u7a0e\u3055\u308c\u307e\u305b\u3093\u3002<\/p>\n

\uff1c\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308bIRA\uff1e<\/h2>\n

\uff14\uff0eSEP (Simplified Employee Pension) IRA<\/h3>\n

\u30d3\u30b8\u30cd\u30b9\u30fb\u30aa\u30fc\u30ca\u30fc\u304c\u81ea\u5206\u81ea\u8eab\u3068\u96c7\u7528\u8005\u306e\u305f\u3081\u306b\u3001Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002Traditional IRA\u3084Roth IRA\u306b\u6bd4\u3079\u308b\u3068\u3001\u8a31\u3055\u308c\u3066\u3044\u308b\u7a4d\u307f\u7acb\u3066\u984d\u304c\u9ad8\u984d\uff08\u6240\u5f97\u306b\u3088\u308b\u304c\u3001\u6700\u9ad8$50,000(2012)\u307e\u3067\uff09\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u3001\u81ea\u55b6\u696d\u8005\u3001\u30b9\u30e2\u30fc\u30eb\u30fb\u30d3\u30b8\u30cd\u30b9\u30fb\u30aa\u30fc\u30ca\u30fc\u306b\u4f7f\u308f\u308c\u308b\u3053\u3068\u304c\u591a\u3044IRA\u306e\u4e00\u7a2e\u3067\u3059\u3002\u904b\u7528\u306fTraditional IRA\u3068\u307b\u307c\u540c\u3058\u3067\u3059\u3002<\/p>\n

\uff15\uff0eSIMPLE\uff08Savings Incentive Match Plans for Employees\uff09IRA<\/h3>\n

\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30d7\u30e9\u30f3\u3067\u3001\u96c7\u7528\u8005\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306e\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u306e\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u96c7\u7528\u4e3b\u304c\u96c7\u7528\u8005\u306e\u305f\u3081\u306b\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u3001401(k)\u3068\u4f3c\u3066\u3044\u307e\u3059\u3002401(k)\u540c\u69d8\u3001\u6240\u5f97\u7a0e\u524d\u306e\u7d66\u4e0e\u5929\u5f15\u304d\u3067\u306e\u7a4d\u307f\u7acb\u3066\u3067\u3001\u96c7\u7528\u4e3b\u304b\u3089\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u7a4d\u307f\u7acb\u3066\u3082\u63d0\u4f9b\u3057\u307e\u3059\u3002\u5229\u56de\u308a\u306f\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3055\u308c\uff08tax deferred\uff09\u3001\u5f15\u304d\u51fa\u3057\u6642\u306b\u306f\u8ab2\u7a0e\u3055\u308c\u307e\u3059\u3002\u8a31\u3055\u308c\u3066\u3044\u308b\u7a4d\u307f\u7acb\u3066\u984d\u306f\u3001Traditional IRA\u3084Roth IRA\u306b\u6bd4\u3079\u308b\u3068\u9ad8\u3044\u3067\u3059\u304c\u3001401(k)\u306b\u6bd4\u3079\u308b\u3068\u4f4e\u3044\u984d\u3067\u3059\u3002<\/p>\n

\u500b\u4ebaIRA\u3078\u306e\u7a4d\u307f\u7acb\u3066\u30eb\u30fc\u30eb<\/h2>\n

\u500b\u4eba\u3067\u958b\u304fIRA\uff08Traditional\u3001Roth\u3001Nondeductible IRA\uff09\u3078\u306e\u7a4d\u307f\u7acb\u3066\u306f\u5408\u8a08\u3067<\/span>\u3001\u4e00\u5e74\u306b\u3064\u304d$5,000\uff082012\u306e\u9650\u5ea6\u984d\u3002\u305f\u3060\u3057\u300150\u6b73\u4ee5\u4e0a\u3067\u3042\u308c\u3070\u3001$6,000\uff09\u307e\u3067\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u53ce\u5165\u304c\u3053\u308c\u4ee5\u4e0b\u3067\u3042\u308b\u5834\u5408\u3001\u53ce\u5165\u304c\u9650\u5ea6\u984d\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u50cd\u3044\u3066\u3044\u306a\u3044\u914d\u5076\u8005\u306f\u3001\u672c\u6765\u306a\u3089\u53ce\u5165\u304c\u306a\u3044\u306e\u3067\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u4e00\u5b9a\u306e\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305d\u306e\u6761\u4ef6\u3068\u306f\u30011)\u3000\u53ce\u5165\u306e\u3042\u308b\u914d\u5076\u8005\u3068\u5a5a\u59fb\u95a2\u4fc2\u306b\u3042\u308b\u3053\u3068\u3001\uff12\uff09\u30bf\u30c3\u30af\u30b9\u30fb\u30ea\u30bf\u30fc\u30f3\u306f\u3001\u30b8\u30e7\u30a4\u30f3\u30c8\u30fb\u30ea\u30bf\u30fc\u30f3\u3092\u3057\u3066\u3044\u308b\u3053\u3068\u3001\uff13\uff09\u3000\u53ce\u5165\u306e\u3042\u308b\u914d\u5076\u8005\u306e\u53ce\u5165\u304c\u3001IRA\u306e\u7a4d\u307f\u7acb\u3066\u984d\uff08\u3075\u305f\u308a\u306e\u5408\u8a08\u984d\uff09\u3088\u308a\u591a\u3044\u3053\u3068\u30014)\u3000Traditional IRA\u306e\u5834\u5408\u306f\u3001\u50cd\u3044\u3066\u3044\u306a\u3044\u914d\u5076\u8005\u304c70\u6b73\u534a\u4ee5\u4e0b\u3067\u3042\u308b\u3053\u3068\uff08Roth IRA\u306f\u4f55\u6b73\u3067\u3082OK\uff09\u3002<\/p>\n

IRA\u3078\u306e\u7a4d\u307f\u7acb\u3066\u306f\u3001\u4e00\u5e74\u3092\u901a\u3057\u3066\u3044\u3064\u3067\u3082\u3067\u304d\u307e\u3059\u3002\u7de0\u3081\u5207\u308a\u306f\u901a\u5e38\u3001\u7fcc\u5e74\u306e4\u670815\u65e5\uff08\u5e74\u306b\u3088\u3063\u3066\u306f\u591a\u5c11\u305a\u308c\u308b\u3053\u3068\u3082\u3042\u308a\uff09\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u30012012\u5e74\u306eIRA\u3078\u306e\u7a4d\u307f\u7acb\u3066\u306e\u7de0\u3081\u5207\u308a\u306f2013\u5e744\u670815\u65e5\u3067\u3059\u3002\u3064\u307e\u308a\u3001Traditional IRA\u306e\u5834\u5408\u30012013\u5e74\u306e4\u670815\u65e5\u306b$5,000\u7a4d\u307f\u7acb\u3066\u305f\u3068\u3057\u3066\u3082\u30012012\u5e74\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30ea\u30bf\u30fc\u30f3\u3067\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

IRA\u306fIndividual Retirement Arrangements\uff08\u3042\u308b\u3044\u306fAccounts\uff09\u306e\u7565\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306e\u7a4d\u307f\u7acb\u3066\u30d7\u30e9\u30f3\u306e\u3053\u3068\u3067\u3059\u3002\uff14\uff10\uff11\uff08\uff4b\uff09\u3068\u4e26\u3093\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u3088\u304f\u4f7f\u308f\u308c\u308b\u30c4\u30fc\u30eb\u3067\u3059\u3002\uff29\uff32\uff21\u306e\u4e3b\u306a\u5229\u70b9\u306f\u3001\u6295\u8cc7\u306e\u5229\u56de\u308a\u306b\u304b\u304b\u308b\u7a0e\u91d1\u304c\u3001\u8001\u5f8c\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u307e\u3067\u9045\u5ef6\u3055\u308c\u308b\uff08\uff54\uff41\uff58 \uff44\uff45\uff46\uff45\uff52\uff52\uff45\uff44\uff09\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u53cd\u5bfe\u306b\u3001\uff29\uff32\uff21\u306e\u6b20\u70b9\u306f\u3001\uff15\uff19\u6b73\u534a\u306b\u306a\u308b\u524d\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u305f\u5834\u5408\u3084\u3001<\/p>\n","protected":false},"author":1,"featured_media":4003,"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":[47,50,60],"class_list":["post-1625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-tax","category-retirement","tag-retire","tag-pension","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-lots-of-dollar-bills.jpeg?fit=495%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-qd","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1625","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=1625"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1625\/revisions"}],"predecessor-version":[{"id":1634,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1625\/revisions\/1634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4003"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}