\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3068\u3044\u3046\u3068401(k)\u3060\u306eIRA\u3060\u306e\u306b\u8b70\u8ad6\u304c\u884c\u304d\u304c\u3061\u3067\u3001\u300c\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3092\u3069\u3046\u6226\u7565\u7684\u306b\u6d3b\u7528\u3059\u308b\u304b\u300d\u306a\u3093\u3066\u8a18\u4e8b\u306f\u3042\u307e\u308a\u76ee\u306b\u3082\u3057\u307e\u305b\u3093\u304c\u3001\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u3070\u304b\u306b\u3057\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002\u3042\u307e\u308a\u3088\u304f\u77e5\u3089\u306a\u3044\u307e\u307e\u8001\u5f8c\u306b\u7a81\u5165\u3057\u300c\u3082\u3089\u3048\u308b\u5206\u3060\u3051\u3082\u3089\u3048\u3070\u3044\u3044\u3084\u300d\u306a\u3093\u3066\u614b\u5ea6\u3060\u3068\u3001\u4f55\u5343\u30c9\u30eb\u3001\u3044\u3084\u4f55\u4e07\u30c9\u30eb\u3082\u306e\u640d\u306b\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u3053\u3067\u3001\u4eca\u56de\u306f\u300c\u3053\u3093\u306a\u30df\u30b9\u306f\u907f\u3051\u305f\u3044\u300d\u3068\u3044\u3046\u70b9\u3092\uff16\u3064\u30ea\u30b9\u30c8\u30a2\u30c3\u30d7\u3057\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n
\u8001\u5f8c\u306e\u751f\u6d3b\u306f\u3001\u300c\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5e74\u91d1\u3060\u3051\u306b\u983c\u3063\u3066\u3044\u305f\u306e\u3067\u306f\u6210\u308a\u7acb\u305f\u306a\u3044\u300d\u306e\u306f\u4e8b\u5b9f\u3067\u3059\u304c\u3001\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u305d\u308c\u306f\u3001\u300c\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306f\u5f53\u3066\u306b\u306a\u3089\u306a\u3044\u304b\u3089\u8a08\u753b\u306b\u5165\u308c\u308b\u3079\u304d\u3067\u306a\u3044\u300d\u3068\u3044\u3046\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u308c\u3060\u3051\u3067\u306f\u983c\u308a\u306b\u306a\u3089\u306a\u3044\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3067\u3059\u304c\u3001\u984d\u304c\u5c11\u306a\u3044\u3057\u30b7\u30b9\u30c6\u30e0\u306b\u4e0d\u5b89\u304c\u3042\u308b\u304b\u3089\u3068\u3001\u771f\u3063\u5411\u304b\u3089\u7121\u8996\u3059\u308b\u306e\u306f\u304b\u3048\u3063\u3066\u9ad8\u304f\u3064\u304d\u307e\u3059\u3002<\/p>\n
\u305f\u3068\u3048\u5341\u5206\u3067\u306a\u304f\u3066\u3082\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5e74\u91d1\u306f\u6bce\u5e74\u6bce\u5e74\u6b7b\u306c\u307e\u3067\u3082\u3089\u3048\u308b\u3082\u306e\u3067\u3059\u3002\u6708\u306b$2,000\u3067\u3082\u5e74\u306b\uff0424,000\u3067\u3059\u3002\u5e74\u91d1\u958b\u59cb\u5f8c30\u5e74\u9593\u751f\u304d\u305f\u3068\u3059\u308b\u3068\u3001$720,000\u306e\u7d66\u4ed8\u3067\u3059\u3002\u6c7a\u3057\u3066\u3070\u304b\u306b\u3067\u304d\u308b\u984d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u4ee5\u4e0b\u3067\u66f8\u304d\u307e\u3059\u300c\u6b63\u3057\u3044\u3082\u3089\u3044\u304b\u305f\u300d\u3092\u3059\u308b\u304b\u3001\u300c\u3046\u3063\u304b\u308a\u3057\u305f\u3082\u3089\u3044\u304b\u305f\u300d\u3092\u3059\u308b\u304b\u3067\u3001\u3082\u3089\u3048\u308b\u984d\u306b\u304b\u306a\u308a\u306e\u5dee\u304c\u751f\u307e\u308c\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u3042\u3089\u304b\u3058\u3081\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5e74\u91d1\u3092\u8a08\u753b\u306e\u3046\u3061\u306b\u3044\u308c\u3001\u4ed6\u306e\u8cc7\u91d1\u6e90\u3068\u306e\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30b7\u30e7\u30f3\u3092\u8a08\u3063\u3066\u3001\u306a\u308b\u3079\u304f\u305f\u304f\u3055\u3093\u3082\u3089\u3048\u308b\u3088\u3046\u306b\u8a08\u753b\u3059\u308b\u3053\u3068\u304c\u5f97\u7b56\u306a\u306e\u3067\u3059\u3002\u3042\u3066\u306b\u3057\u306a\u3044\u304b\u3089\u305d\u3082\u305d\u3082\u8003\u3048\u306b\u3044\u308c\u306a\u3044\u3068\u3044\u306e\u306f\u3001\u75db\u3044\u5931\u6557\u306b\u3064\u306a\u304c\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n
23\u6b73\u304b\u3089\u50cd\u304d\u59cb\u3081\u3001\u9014\u4e2d\uff13\u5e74\u9593\u5927\u5b66\u9662\u306b\u623b\u3063\u3066\u307e\u305f\u4ed5\u4e8b\u306b\u623b\u308a\u3001\u4eca\u5e7460\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3057\u3088\u3046\u3068\u601d\u3044\u307e\u3059\u30fb\u30fb\u30fb\u3053\u306e\u30b1\u30fc\u30b9\u306f60\u6b73\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3068\u3042\u3063\u3066\u3001\u30ad\u30ea\u304c\u3044\u3044\u611f\u3058\u304c\u3057\u307e\u3059\u304c\u3001\u5b9f\u306f\u3068\u3066\u3082\u30ad\u30ea\u304c\u60aa\u3044\u306e\u3067\u3059\u3002\u3053\u306e\u5834\u5408\u300134\u5e74\u9593\u50cd\u3044\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u3042\u30681\u5e74\u4f59\u5206\u306b\u50cd\u304f\u3060\u3051\u3067\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u984d\u3092\u3001\u4e00\u5e74\u3067\u6570\u5343\u30c9\u30eb\u3082\u30a2\u30c3\u30d7\u3055\u305b\u308b\u3053\u3068\u304c\u53ef\u80fd\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n
Benefits\u7b97\u51fa\u306e\u8a08\u7b97\u306b\u306f\u3001\u904e\u53bb35\u5e74\u306e\u53ce\u5165\uff0835\u5e74\u4ee5\u4e0a\u50cd\u3044\u305f\u5834\u5408\u306f\u3001\u3082\u3063\u3068\u3082\u9ad8\u3044\u307b\u3046\u304b\u308935\u5e74\u5206\uff09\u306e\u5e73\u5747\u5024\u304c\u4f7f\u308f\u308c\u307e\u3059\u3002\u50cd\u3044\u305f\u5e74\u6570\u304c 35\u5e74\u306b\u6e80\u305f\u306a\u3044\u5834\u5408\u3067\u3082\u3001\u5272\u308a\u7b97\u306e\u5206\u6bcd\u306f35\u3067\u3059\u304b\u3089\u3001\u53ce\u5165\u306e\u306a\u3044\u5e74\u304c\u3042\u308c\u3070\u3042\u308b\u307b\u3069\u3001Benefits\u306e\u984d\u304c\u5f15\u304d\u4e0b\u3052\u3089\u308c\u308b\u7d50\u679c\u306b\u306a\u308a\u307e\u3059\u3002\u7d50\u679c\u7684 \u306b\u3001\u3067\u304d\u308b\u3060\u3051\u9577\u304f\u3001\u3067\u304d\u308b\u3060\u3051\u591a\u304f\u53ce\u5165\u3092\u5f97\u308b\u3053\u3068\u304c\u3001Benefits\u306e\u984d\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u81ea\u5206\u304c\u4f55\u5e74\u50cd\u3044\u305f\u304b\u3092\u77e5\u3063\u3066\u3001\u8a08\u753b\u7684\u306b\u30ea\u30bf\u30a4\u30e4\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n
<\/p>\n
\u592b\u3068\u59bb\u3067\u3001\u305d\u308c\u305e\u308c\u304c\u53d7\u3051\u3089\u308c\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3092\u3001\u500b\u5225\u3067\u8003\u3048\u308b\u306e\u306f\u5371\u967a\u3067\u3059\u3002\u305d\u308c\u305e\u308c\u500b\u5225\u3067\u306f\u306a\u304f\u3066\u3001\u592b\u5a66\u3075\u305f\u308a\u306e\u53d7\u3051\u308b\u5e74\u91d1\u3092\u30bb\u30c3\u30c8\u3067\u8003\u3048\u3001\u592b\u5a66\u30ec\u30d9\u30eb\u3067\u3044\u304b\u306b\u591a\u304f\u3082\u3089\u3048\u308b\u3088\u3046\u306b\u3059\u308b\u304b\u3068\u3044\u3046\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u5fc5\u8981\u3067\u3059\u3002\u3053\u308c\u3092\u3059\u308b\u304b\u3057\u306a\u3044\u304b\u3067\u3001\u592b\u5a66\u3075\u305f\u308a\u3067\u53d7\u3051\u308b\u751f\u6daf\u5e74\u91d1\u7dcf\u984d\u306b\u3001\u4f55\u4e07\u30c9\u30eb\u3082\u306e\u5dee\u304c\u3067\u3066\u304f\u308b\u3053\u3068\u3082\u3057\u3070\u3057\u3070\u3067\u3059\u3002<\/p>\n
\u592b\u5a66\u306e\u5e74\u9f62\u5dee\u3001\u30b7\u30f3\u30b0\u30eb\u30fb\u30a4\u30f3\u30ab\u30e0\u3060\u3063\u305f\u304b\u30c0\u30d6\u30eb\u30fb\u30a4\u30f3\u30ab\u30e0\u3060\u3063\u305f\u304b\u3001\u5065\u5eb7\u72b6\u614b\u3084\u5bff\u547d\u4e88\u6e2c\u306a\u3069\u3092\u8003\u3048\u5408\u308f\u305b\u3066\u53d7\u7d66\u8a08\u753b\u3092\u3057\u307e\u3059\u3002\u4e00\u822c\u7684\u306b\u306f\u3001\u592b\u5a66\u306e\u3046\u3061\u53ce\u5165\u304c\u4f4e\u304b\u3063\u305f\u307b\u3046\u306f\u3001\u53d7\u7d66\u304c\u53ef\u80fd\u306b\u306a\u308a\u6b21\u7b2c\u53d7\u7d66\u3092\u958b\u59cb\u3057\u3001\u53ce\u5165\u304c\u9ad8\u304b\u3063\u305f\u307b\u3046\u306f70\u6b73\u307e\u3067Retirement Benefits\u306e\u53d7\u7d66\u3092\u4f38\u3070\u3059\u3068\u3044\u3046\u306e\u304c\u3001\u3075\u305f\u308a\u306e\u751f\u6daf\u53d7\u7d66\u984d\u3092\u5927\u304d\u304f\u3059\u308b\u3059\u308b\u65b9\u6cd5\u3060\u3068\u8003\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u6700\u4f4e\u5e74\u9f62\u306f62\u6b73\u3067\u3059\u304c\u300162\u6b73\u306b\u306a\u3063\u305f\u304b\u3089\u3068\u3044\u3063\u3066\u3055\u3063\u305d\u304f\u53d7\u7d66\u3092\u958b\u59cb\u3059\u308b\u3068\u3001\u9577\u671f\u7684\u306b\u898b\u305f\u5834\u5408\u975e\u5e38\u306b\u640d\u306a\u7d50\u679c\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002Full Retirement Age\uff08\u751f\u307e\u308c\u305f\u5e74\u306b\u3088\u308a\u6c7a\u307e\u308a\u300165\u6b73\u304b\u308967\u6b73\u306e\u9593\uff09\u4ee5\u524d\u306b\u53d7\u7d66\u3092\u958b\u59cb\u3059\u308b\u3068\u3001\u53d7\u7d66\u984d\u306f\u6e1b\u984d\u3055\u308c\u3001\u6e80\u984d\u3042\u308b\u3044\u306f\u57fa\u672c\u984d\u3088\u308a\u5c11\u306a\u3044\u5e74\u91d1\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u3057\u3066\u3053\u306e\u6e1b\u984d\u306f\u4e00\u751f\u3001\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u9593\u305a\u3063\u3068\u7d9a\u304d\u307e\u3059\u3002<\/p>\n
\u5b89\u6613\u306b\u958b\u59cb\u3057\u3066\u3057\u307e\u3063\u305f\u306e\u3067\u3001\u3061\u3087\u3063\u3068\u53d7\u7d66\u3092\u6b62\u3081\u305f\u3044\u3068\u601d\u3063\u305f\u5834\u5408\u300112\u30f6\u6708\u4ee5\u5185\u306a\u3089\u3070\u53d7\u3051\u305f\u5168\u984d\u3092\u6255\u3044\u623b\u305b\u3070\u3001\u958b\u59cb\u3057\u306a\u304b\u3063\u305f\u3053\u3068\u306b\u3057\u3066\u3082\u3089\u3048\u307e\u3059\u3002\u3057\u304b\u3057\u3002\u305d\u308c\u4ee5\u964d\u306f\u3082\u3046\u3084\u308a\u76f4\u3057\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u3044\u3063\u305f\u3093\u53d7\u7d66\u958b\u59cb\u3057\u306612\u30f6\u6708\u304c\u904e\u304e\u305f\u3089\u3001\u5f8c\u6094\u5148\u306b\u7acb\u305f\u305a\u3002\u6e1b\u984d\u3055\u308c\u305f\u984d\u304c\u5c11\u306a\u3059\u304e\u308b\u306e\u3067\u3001\u3084\u3063\u3071\u308a\u3082\u3046\u5c11\u3057\u5f85\u3063\u3066\u304b\u3089\u53d7\u7d66\u3092\u3057\u305f\u3044\u3068\u601d\u3063\u3066\u3082\u3084\u308a\u76f4\u305b\u307e\u305b\u3093\u3002\u3068\u308a\u3042\u3048\u305a62\u6b73\u3067\u53d7\u7d66\u3092\u59cb\u3081\u305f\u3051\u3069\u300163\u6b73\u306b\u306a\u3063\u305f\u3089\u30d1\u30fc\u30c8\u306e\u53ce\u5165\u304c\u5165\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u306e\u3067\u3001\u3057\u3070\u3089\u304f\u53d7\u7d66\u3092\u30b9\u30c8\u30c3\u30d7\u3057\u305f\u3044\u3068\u601d\u3063\u3066\u3082\u3001\u305d\u308c\u3082\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n
\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u53d7\u7d66\u958b\u59cb\u306f\u3053\u306e\u610f\u5473\u3067\u4e00\u751f\u30e2\u30ce\u306e\u9078\u629e\u3067\u3059\u304b\u3089\u3001\u3042\u3089\u304b\u3058\u3081\u3088\u304f\u8003\u3048\u3001\u4ed6\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3084\u52b4\u50cd\u53ce\u5165\u3068\u5408\u308f\u305b\u3066\u8a08\u753b\u7684\u306b\u958b\u59cb\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n
\u4ed5\u4e8b\u3092\u5b8c\u5168\u306b\u306f\u6b62\u3081\u306a\u3044\u3067\u3042\u308b\u7a0b\u5ea6\u306e\u53ce\u5165\u3092\u5f97\u306a\u304c\u3089\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3082\u53d7\u3051\u3064\u3064\u3001\u5feb\u9069\u306a\u66ae\u3089\u3057\u3092\u9001\u308a\u305f\u3044\u30fb\u30fb\u30fb\u3046\uff5e\u3093\u3001\u7406\u60f3\u7684\u306a\u304b\u3093\u3058\u304c\u3057\u307e\u3059\u306d\u3048\u3002\u3067\u3082\u3001\u3053\u308c\u3001\u3061\u3083\u3093\u3068\u8a08\u753b\u306b\u57fa\u3065\u304b\u306a\u3044\u3068\u9ad8\u304f\u3064\u304d\u307e\u3059\u3002<\/p>\n
Full Retirement Age\u306b\u3044\u3063\u305f\u3093\u9054\u3057\u3066\u3057\u307e\u3048\u3070\u3001\u3069\u308c\u3060\u3051\u50cd\u3044\u3066\u53ce\u5165\u3092\u5f97\u3088\u3046\u304c\u305d\u308c\u306f\u554f\u984c\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057Full Retirement Age\u4ee5\u524d\u306b\u52b4\u50cd\u53ce\u5165\u3092\u5f97\u308b\u306e\u306f\u3061\u3087\u3063\u3068\u3070\u304b\u308a\u306e\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u3053\u306e\u5834\u5408\u306b\u306f\u3001\u3042\u308b\u4e00\u5b9a\u4ee5\u4e0a\u306e\u53ce\u5165\u3092\u5f97\u308b\u3068\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u5e74\u91d1\u984d\u304c\u6e1b\u3089\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u305f\u3068\u3048\u3070\u30012012\u5e74\u306e\u5834\u5408\u306a\u3089\u3001$14,640\u4ee5\u4e0a\u306e\u5e74\u53ce\u304c\u3042\u308b\u3068\u3001\u3053\u308c\u3092\u8d85\u3048\u308b\u53ce\u5165\uff04\uff12\u306b\u3064\u304d\u3001\u5e74\u91d1\u304c\uff04\uff11\u6e1b\u3089\u3055\u308c\u307e\u3059\u3002$20,000\u306e\u53ce\u5165\u304c\u3042\u3063\u305f\u3068\u3057\u305f\u3089\u3001\uff08$20,000-$14,640)\u00f7\uff12\uff1d$2,680\u3082\u5e74\u91d1\u304c\u6e1b\u3089\u3055\u308c\u307e\u3059\u3002\u3044\u3063\u305f\u3093\u53d7\u7d66\u3055\u308c\u305f\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3092\u3001\u3042\u3068\u3067\u6255\u3044\u623b\u3059\u306a\u3093\u3066\u3053\u3068\u306b\u3082\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n
\u3044\u3064\u307e\u3067\u3069\u306e\u304f\u3089\u3044\u50cd\u304f\u304b\u3068\u3001\u3044\u3064\u304b\u3089\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u3082\u3089\u3044\u59cb\u3081\u308b\u304b\u3082\u304d\u3061\u3093\u3068\u8a08\u753b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3060\u3051\u304c\u53ce\u5165\u6e90\u3060\u3068\u3044\u3046\u306e\u306a\u3089\u7a0e\u91d1\u306f\u304a\u305d\u3089\u304f\u30bc\u30ed\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u3001\u7d66\u6599\u3084\u30d5\u30ea\u30fc\u30fb\u30e9\u30f3\u30b9\u306a\u3069\u304b\u3089\u306e\u52b4\u50cd\u53ce\u5165\u3001\u5229\u5b50\u3084\u914d\u5f53\u91d1\u306a\u3069\u306e\u6295\u8cc7\u53ce\u5165\u306a\u3069\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e\u4e00\u90e8\u306b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u6700\u9ad8\u3067\u3001\u53d7\u3051\u53d6\u3063\u305f\u5e74\u91d1\u306e85\uff05\u306b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059<\/p>\n
\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1$30,000\u3001\u52b4\u50cd\u53ce\u5165$15,000\u3001\u5229\u5b50\u3068\u914d\u5f53\u91d1$5,000\u3001401(k)\u304b\u3089\u306e\u5f15\u304d\u304a\u308d\u3057$20,000\u3067\u751f\u6d3b\u3057\u3066\u3044\u308b\u3054\u592b\u5a66\u304c\u30b8\u30e7\u30a4\u30f3\u30c8\u3067\u30bf\u30c3\u30af\u30b9\u30fb\u30ea\u30bf\u30fc\u30f3\u3092\u3059\u308b\u5834\u5408\u3001\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u53ce\u5165\u306e\u4e0a\u9650\uff08\u53ce\u5165\u3068\u8a08\u7b97\u306e\u4ed5\u65b9\u306f\u8fbc\u307f\u5165\u3063\u3066\u3044\u307e\u3059\u306e\u3067\u5272\u611b\u3057\u307e\u3059\uff09\u3092\u8d85\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e$30,000\u306e85%\u306b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u6240\u5f97\u7a0e\u309225\uff05\u3068\u3059\u308b\u3068\u3001$30,000×0.85×0.25\uff1d$6,375\u3082\u306e\u7a0e\u91d1\u3092\u7d0d\u3081\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n
\u4e0a\u306e\u4f8b\u3067\u3001401(k)\u304b\u3089\u306e\u5f15\u304d\u304a\u308d\u3057\u3092$9,000\u306b\u3068\u3069\u3081\u3001\u5dee\u984d\u306e$11,000\u3092Roth-IRA\u304bAnnuity\u304b\u3089\u5f15\u304d\u304a\u308d\u3057\u305f\u3068\u3057\u307e\u3057\u3087\u3046\uff08\u30c8\u30fc\u30bf\u30eb\u306e\u53ce\u5165\u984d\u306f\u540c\u3058\u3067\u3069\u3053\u304b\u3089\u5f15\u304d\u304a\u308d\u3059\u304b\u3092\u5909\u3048\u305f\u3060\u3051\uff09\u3002\u305d\u3046\u3059\u308b\u3068\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u6240\u5f97\u7a0e\u306f$3,750\u3068\u306a\u308a\u3001$2,625\u3082\u306e\u7bc0\u7a0e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u3068\u3044\u3046\u3068\u304a\u91d1\u3092\u8caf\u3081\u308b\u3068\u3053\u308d\u306b\u7126\u70b9\u304c\u884c\u304d\u304c\u3061\u3067\u3059\u304c\u3001\u8caf\u3081\u305f\u3082\u306e\u3068\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3068\u3092\u7dcf\u5408\u7684\u306b\u3068\u3089\u3048\u3001\u3069\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u4f7f\u3063\u3066\u3044\u304f\u304b\u3082\u91cd\u8981\u306a\u30d7\u30e9\u30f3\u30a4\u30f3\u30b0\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
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