{"id":2607,"date":"2013-05-23T09:26:46","date_gmt":"2013-05-23T17:26:46","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2607"},"modified":"2013-05-23T21:35:33","modified_gmt":"2013-05-24T05:35:33","slug":"annuity101","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/annuity101\/","title":{"rendered":"\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u653b\u7565\u6cd5\u3000-\u3000\u5931\u6557\u3057\u306a\u3044\u5951\u7d04"},"content":{"rendered":"

\u300c\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u5951\u7d04\u3057\u305f\u3082\u306e\u306e\u3001\u305d\u306e\u5f8c\u51e6\u7406\u306b\u56f0\u3063\u3066\u3044\u308b\u30fb\u30fb\u300d\u3068\u3044\u3046\u8a71\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3001IRA\u306a\u3069\u306e\u6295\u8cc7\u3068\u540c\u3058\u3088\u3046\u306b\u3068\u3089\u3048\u3001\u300c\u5c06\u6765\u3078\u306e\u5099\u3048\u3060\u304b\u3089\u3044\u3044\u3082\u306e\u306b\u9055\u3044\u306a\u3044\u3002\u3002\u300d\u3068\u8003\u3048\u5951\u7d04\u3057\u305f\u3082\u306e\u306e\u3001\u3069\u3046\u3082\u6e80\u8db3\u3057\u3066\u3044\u306a\u3044\u30fb\u30fb\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300c\u3075\u3064\u3046\u306e\u6295\u8cc7\u300d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3059\u3002\u3088\u304f\u7406\u89e3\u3057\u306a\u3044\u3067\u6c17\u8efd\u306b\u5951\u7d04\u3059\u308b\u3068\u3001\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304f\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u7d10\u89e3\u3044\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u306f\u30fb\u30fb<\/h2>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u306f\u3001\u5e74\u3005\u3001\u6708\u3005\u306a\u3069\u4e00\u5b9a\u671f\u9593\u3054\u3068\u306b\u4e00\u5b9a\u984d\u304c\u652f\u6255\u308f\u308c\u308b\u3057\u304f\u307f\u306e\u3053\u3068\u3067\u3001\u4fdd\u967a\u5546\u54c1\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u5165\u308c\u305f\u304a\u91d1\u306f\u3001\u5c06\u6765\u308f\u305f\u3063\u3066\u6708\u3054\u3068\u3001\u5e74\u3054\u3068\u306e\u8907\u6570\u56de\u306e\u5b9a\u984d\u53d7\u3051\u53d6\u308a\u306b\u5909\u63db\u3055\u308c\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u53d7\u3051\u53d6\u308a\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u5206\u3051\u308b\u3068\u30fb\u30fb<\/h3>\n

Immediate Annuity<\/b>\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u304a\u91d1\u3092\u5165\u91d1\u3057\u3066\u304b\u3089\u3059\u3050\u306b\u53d7\u3051\u53d6\u308a\u304c\u59cb\u307e\u308b\u30bf\u30a4\u30d7\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u6295\u8cc7\u3067\u5897\u3084\u3057\u3066\u304d\u305f\u8cc7\u91d1\u3067\u3001Immediate Annuity\u3092\u8cfc\u5165\u3057\u3001\u30ea\u30a4\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u6708\u3005\u306e\u5b9a\u984d\u53d7\u3051\u53d6\u308a\u3092\u3064\u304f\u308a\u3060\u3059\u3088\u3046\u306a\u5834\u5408\u306b\u4f7f\u308f\u308c\u307e\u3059\u3002<\/p>\n

Deferred Annuity<\/b>\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u308b\u84c4\u7a4d\u671f\u9593\u304c\u3042\u308a\u3001\u84c4\u7a4d\u671f\u9593\u306e\u306e\u3061\u306b\u53d7\u3051\u53d6\u308a\u304c\u59cb\u307e\u308b\u30bf\u30a4\u30d7\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u9577\u5e74\u304b\u3051\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u7d9a\u3051\u308b\u3088\u3046\u306a\u5834\u5408\u306b\u4f7f\u308f\u308c\u307e\u3059\u3002<\/p>\n

\u904b\u7528\u306e\u7a2e\u985e\u3067\u5206\u3051\u308b\u3068\u30fb\u30fb\u30fb<\/h3>\n

Fixed Annuity<\/b>\uff1a\u3000\u7a4d\u307f\u7acb\u3066\u3089\u308c\u305f\u8cc7\u91d1\u306b\u5bfe\u3057\u3066\u4e00\u5b9a\u306e\u56fa\u5b9a\u5229\u56de\u308a\u304c\u9069\u7528\u3055\u308c\u3001\u5951\u7d04\u6642\u306b\u5b9a\u3081\u3089\u308c\u305f\u652f\u7d66\u984d\u3092\u53d7\u3051\u53d6\u308b\u30bf\u30a4\u30d7\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u3044\u3048\u3070\u3001Pension\u306a\u3069\u306eDefined Benefit Plan(\u78ba\u5b9a\u7d66\u4ed8\u578b)\u306b\u4f3c\u3066\u3044\u307e\u3059\u3002<\/p>\n

Variable Annuity<\/b>\uff1a\u3000\u7a4d\u307f\u7acb\u3066\u308b\u8cc7\u91d1\u3092\u5229\u7528\u3057\u3001\u5951\u7d04\u8005\u81ea\u8eab\u304c\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u306b\u3088\u3063\u3066\u904b\u7528\u3057\u3001\u305d\u306e\u6295\u8cc7\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u5fdc\u3058\u3066\u652f\u7d66\u984d\u304c\u6c7a\u307e\u308b\u30bf\u30a4\u30d7\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u3044\u3048\u3070\u3001401(k)\u306a\u3069\u306eDefined Contribution Plan(\u78ba\u5b9a\u62e0\u51fa\u578b)\u306b\u4f3c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u7a0e\u91d1\u4e0a\u306e\u53d6\u308a\u6271\u3044\u306f\u30fb\u30fb\u30fb<\/h3>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u5165\u308c\u308b\u8cc7\u91d1\u306f\u8ab2\u7a0e\u5f8c\u6240\u5f97\u3067\u3042\u308a\u7a0e\u91d1\u63a7\u9664\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u904b\u7528\u5229\u56de\u308a\u306f\u7a0e\u9045\u5ef6\u304c\u9069\u7528\u3055\u308c\u3001\u53d7\u3051\u53d6\u308a\u3092\u3059\u308b\u3068\u304d\u307e\u3067\u8ab2\u7a0e\u304c\u9045\u3089\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u610f\u5473\u3067Roth IRA\u306b\u4f3c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u53d7\u3051\u53d6\u308a\u306e\u30bf\u30a4\u30d7<\/h3>\n

\u4e00\u5b9a\u671f\u9593\u53d7\u3051\u53d6\u308a<\/strong>\uff1a\u30005\u5e74\u300110\u5e74\u300120\u5e74\u306a\u3069\u306e\u4e00\u5b9a\u671f\u9593\u3001\u53d7\u3051\u53d6\u308a\u3092\u3057\u307e\u3059\u3002\u305d\u306e\u4e00\u5b9a\u671f\u9593\u5185\u306b\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f\u3001\u6b8b\u308a\u306e\u671f\u9593\u306fBeneficiary\u304c\u53d7\u3051\u53d6\u308a\u3092\u3057\u307e\u3059\u3002<\/p>\n

\u751f\u6daf\u53d7\u3051\u53d6\u308a<\/strong>\uff1a\u3000\u672c\u4eba\u306e\u751f\u5b58\u3057\u3066\u3044\u308b\u9650\u308a\u3001\u53d7\u3051\u53d6\u308a\u304c\u7d9a\u304d\u307e\u3059\u3002<\/p>\n

\u4e00\u5b9a\u671f\u9593\u306e\u4fdd\u8a3c\u4ed8\u3000\u751f\u6daf\u53d7\u3051\u53d6\u308a<\/strong>\uff1a\u3000\u201cLife with a 10 year period certain\u201d\u306a\u3069\u306e\u3088\u3046\u306b\u3001\u4e00\u5b9a\u671f\u9593\u306e\u53d7\u3051\u53d6\u308a\u4fdd\u8a3c\u304c\u3064\u3044\u305f\u751f\u6daf\u53d7\u3051\u53d6\u308a\u578b\u3002\u4e00\u5b9a\u671f\u9593\u5185\uff08\u3053\u306e\u5834\u5408\u306f\u6307\u5b9a\u306e10\u5e74\u9593\uff09\u306b\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f\u3001Beneficiary\u304c\u6b8b\u308a\u306e\u671f\u9593\u652f\u6255\u3044\u3092\u53d7\u3051\u307e\u3059\u3002\u672c\u4eba\u304c10\u5e74\u3092\u8d85\u3048\u3066\u751f\u5b58\u3059\u308c\u3070\u3001\u751f\u5b58\u3057\u3066\u3044\u308b\u9593\u306f\u652f\u6255\u3044\u304c\u7d9a\u304d\u307e\u3059\u3002<\/p>\n

\u30b8\u30e7\u30a4\u30f3\u30c8\u30fb\u30b5\u30d0\u30a4\u30d0\u30fc<\/strong>\uff1a\u3000\u592b\u5a66\u306e\u5834\u5408\u306a\u3069\u306b\u4f7f\u308f\u308c\u3001\u592b\u5a66\u306e\u3069\u3061\u3089\u304c\u6b7b\u4ea1\u3057\u3066\u3082\u3001\u6b8b\u308a\u306e\u4e00\u65b9\u304c\u751f\u5b58\u3057\u3066\u3044\u308b\u9650\u308a\u3001\u652f\u6255\u3044\u304c\u7d9a\u304d\u307e\u3059\u3002<\/p>\n

\u65e9\u671f\u306b\u5f15\u304d\u51fa\u3059\u3068\u30fb\u30fb\u30fb<\/h3>\n

59\u6b73\u534a\u524d\u306b\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3068\u3001\u5229\u56de\u308a\u90e8\u5206\u306f\u30a4\u30f3\u30ab\u30e0\u30bf\u30c3\u30af\u30b9\u306e\u8ab2\u7a0e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u307e\u305f10%\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u304b\u304b\u308a\u307e\u3059\u3002\u52a0\u3048\u3066\u3001\u5f8c\u8ff0\u306e\u30b5\u30ec\u30f3\u30c0\u30fc\u30fb\u30c1\u30e3\u30fc\u30b8\u3082\u304b\u304b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092IRA\u3084401(k)\u306e\u4e2d\u3067\u6301\u3064\u3053\u3068\u306f\u30fb\u30fb<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u305d\u308c\u81ea\u4f53\u3067\u5951\u7d04\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3057\u3001IRA\u3084401(k)\u306a\u3069\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u4e2d\u3067\u9078\u629e\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002IRA\u3084401(k)\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u4e2d\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3059\u308b\u304b\u3042\u308b\u3044\u306f\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u76f4\u63a5\u6295\u8cc7\u3059\u308b\u5a92\u4f53\u3092\u9078\u3076\u304b\u306e\u9078\u629e\u304c\u3042\u308b\u5834\u5408\u3001\u3069\u3046\u3059\u308b\u306e\u304c\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u5148\u306b\u3082\u66f8\u3044\u305f\u3068\u304a\u308a\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u7a0e\u9045\u5ef6\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308a\u3001\u5229\u56de\u308a\u304c\u53d7\u3051\u53d6\u308a\u958b\u59cb\u307e\u3067\u8ab2\u7a0e\u3055\u308c\u306a\u3044\u3068\u3044\u3046\u5229\u70b9\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3001IRA\u3084401(k)\u3082\u3053\u308c\u3068\u540c\u3058\u7a0e\u9045\u5ef6\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002\u8ab0\u3067\u3082\u5e95\u306a\u3057\u3067\u3053\u306e\u7a0e\u9045\u5ef6\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u5229\u7528\u3067\u304d\u306a\u3044\u3088\u3046\u306b\u3001\u4e00\u5e74\u3067IRA\u3084401(k)\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u984d\u306e\u4e0a\u9650\u304c\u6c7a\u307e\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u610f\u5473\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3053\u308c\u3089\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u4e2d\u3067\u6301\u3064\u3053\u3068\u306f\u3001\u7a0e\u9045\u5ef6\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u30c0\u30d6\u30eb\u3067\u4f7f\u3063\u3066\u3044\u308b\u308f\u3051\u3067\u3001\u6301\u3063\u3066\u306f\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u306a\u3044\u3067\u3059\u304c\u3001\u3042\u307e\u308a\u610f\u5473\u306e\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u3082\u3057IRA\u3084401(k)\u306e\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\u3092\u8d85\u3048\u308b\u8cc7\u91d1\u304c\u3042\u308b\u306e\u306a\u3089\u3001IRA\u3068401(k)\u3092\u6700\u5927\u307e\u3067\u7a4d\u307f\u7acb\u3066\u305f\u3046\u3048\u306b\u3001\u6b8b\u3063\u305f\u304a\u91d1\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u5165\u308c\u308c\u3070\u3001\u7a0e\u9045\u5ef6\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u52b9\u7387\u3088\u304f\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u9577\u6240<\/h3>\n

\u5229\u56de\u308a\u3078\u306e\u7a0e\u9045\u5ef6<\/b>\uff1a\u3000\u4e0a\u306e\u3068\u304a\u308a\u3001\u904b\u7528\u5229\u56de\u308a\u3078\u306e\u8ab2\u7a0e\u304c\u3001\u5f15\u304d\u51fa\u3057\u307e\u3067\u5148\u5ef6\u3070\u3057\u306b\u3055\u308c\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u308c\u306f\u524d\u8ff0\u306e\u3068\u304a\u308aIRA\u3084401(k)\u3067\u3082\u5f97\u3089\u308c\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306e\u7a4d\u307f\u7acb\u3066\u8cc7\u91d1\u304c\u3001IRA\u3084401(k)\u306e\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\u4ee5\u4e0a\u306b\u3042\u308b\u306e\u3067\u3001\u4ed6\u306b\u7a0e\u91d1\u4e0a\u512a\u9047\u306e\u3042\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u63a2\u3057\u3066\u3044\u308b\u5834\u5408\u306b\u306f\u5229\u70b9\u3068\u306a\u308a\u3048\u307e\u3059\u3002\u305d\u3046\u3067\u306a\u3044\u5834\u5408\u306f\u3001\u3042\u3048\u3066\u624b\u6570\u6599\u306e\u9ad8\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u5229\u7528\u3059\u308b\u4fa1\u5024\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u7c21\u5358\u306b<\/b>\uff1a\u3000\u6708\u3005\u306e\u5b9a\u984d\u78ba\u5b9a\u7d66\u4ed8\u306f\u3001\u81ea\u5206\u3067\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u307f\u904b\u7528\u3092\u7d9a\u3051\u3066\u3001\u6708\u3005\u3044\u304f\u3089\u305a\u3064\u5f15\u304d\u51fa\u3057\u3066\u3044\u3051\u3070\u3044\u3044\u304b\u3068\u3044\u3046\u8a08\u7b97\u3092\u4e0d\u8981\u306b\u3057\u307e\u3059\u3002\u4f01\u696d\u5e74\u91d1\u304c\u6b7b\u8a9e\u306b\u306a\u308a\u3064\u3064\u4eca\u3001\u6708\u3005\u306e\u5b9a\u984d\u7d66\u4ed8\u306f\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3060\u3051\u3068\u3044\u3046\u4eba\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u6708\u3005\u6c7a\u307e\u3063\u305f\u984d\u304c\u53d7\u3051\u53d6\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u751f\u6d3b\u8cbb\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u7c21\u5358\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u9577\u751f\u304d\u3057\u3066\u3082\u3082\u3089\u3048\u308b<\/b>\uff1a\u3000\u4e0a\u306e\u4e8b\u9805\u3068\u95a2\u9023\u3057\u3066\u3001\u78ba\u5b9a\u7d66\u4ed8\u304c\u751f\u6daf\u7d9a\u304f\uff08\u3053\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u9078\u3093\u3060\u5834\u5408\uff09\u3068\u3044\u3046\u306e\u306f\u5fc3\u5f37\u3044\u3082\u306e\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304b\u3089\u6708\u3005\u5f15\u304d\u51fa\u3057\u3059\u304e\u3066\u3001\u8001\u5f8c\u306e\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u3066\u3057\u307e\u3063\u305f\u3068\u3044\u3046\u554f\u984c\u3092\u56de\u907f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u5341\u5206\u306a\u751f\u6daf\u7d66\u4ed8\u3092\u53d7\u3051\u308b\u305f\u3081\u306b\u306f\u3001\u305d\u308c\u306a\u308a\u306e\u8cc7\u91d1\u304c\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u5165\u3063\u3066\u3044\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u304b\u3089\u3001\u3053\u308c\u306f\u6c7a\u3057\u3066\u5b89\u304f\u7c21\u5358\u306b\u624b\u306b\u5165\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u77ed\u6240<\/h3>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u77ed\u6240\u306f\u306a\u3093\u3068\u3044\u3063\u3066\u3082\u9ad8\u3044\uff08\u3088\u304f\u898b\u306a\u3044\u3068\u308f\u304b\u3089\u306a\u3044\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u308b\uff09\u624b\u6570\u6599\u3067\u3059\u3002\u624b\u6570\u6599\u306f\u6295\u8cc7\u306e\u5229\u56de\u308a\u3092\u76f4\u63a5\u7684\u306b\u6e1b\u3089\u3057\u307e\u3059\u304b\u3089\u3001\u300c\u3061\u3063\u3068\u3082\u5897\u3048\u306a\u3044\u300d\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u304c\u3061\u3067\u3059\u3002\u307e\u305f\u3001\u5897\u3048\u306a\u3044\u3060\u3051\u306a\u3089\u307e\u3060\u3044\u3044\u3067\u3059\u304c\u3001\u300c\u6c17\u304c\u5909\u308f\u3063\u3066\u3084\u306f\u308a\u89e3\u7d04\u3057\u305f\u3044\u300d\u3068\u306a\u3063\u305f\u5834\u5408\u3001\u9ad8\u984d\u306e\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u3092\u3068\u3089\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5951\u7d04\u3092\u3059\u308b\u3068\u304d\u306f\u3001\u3088\u304f\u3088\u304f\u541f\u5473\u3057\u305f\u3046\u3048\u3067\u5951\u7d04\u66f8\u306b\u30b5\u30a4\u30f3\u3092\u305b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u9280\u884c\u53e3\u5ea7\u3084\u751f\u547d\u4fdd\u967a\u306e\u3088\u3046\u306b\u3001\u300c\u3068\u308a\u3042\u3048\u305a\u5951\u7d04\u3057\u3066\u304a\u3044\u3066\u3001\u3042\u3068\u3067\u4e0d\u8981\u306a\u3089\u5909\u66f4\u30fb\u89e3\u7d04\u3059\u308c\u3070\u3044\u3044\u3084\u300d\u3068\u3044\u3046\u3084\u308a\u304b\u305f\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5834\u5408\u306f\u901a\u7528\u3057\u307e\u305b\u3093\u3002\u30b5\u30a4\u30f3\u3057\u305f\u3089\u304a\u3057\u307e\u3044\u30fb\u30fb\u3068\u3044\u3046\u3068\u3053\u308d\u306e\u3042\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u591a\u3044\u306e\u3067\u3001\u3068\u306b\u304b\u304f\u3059\u307f\u305a\u307f\u307e\u3067\u5951\u7d04\u66f8\u3092\u8aad\u3080\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3067\u306f\u3001\u3069\u3093\u306a\u624b\u6570\u6599\u304c\u3042\u308b\u306e\u304b\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u8ca9\u58f2\u624b\u6570\u6599<\/b>\uff1a\u3000\u4fdd\u967a\u30d6\u30ed\u30fc\u30ab\u30fc\u3084\u30bb\u30fc\u30eb\u30b9\u62c5\u5f53\u8005\u304c\u58f2\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300110\uff05\u306b\u4e0a\u308b\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u3068\u3044\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306e\u8ca9\u58f2\u624b\u6570\u6599\u306b\u95a2\u3057\u3066\u306f\u6cd5\u5f8b\u3067\u4e0a\u9650\u304c\u6c7a\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u6050\u308d\u3057\u3044\u3053\u3068\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u8ab2\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u8ca9\u58f2\u624b\u6570\u6599\u306e\u4e0a\u9650\u306f\u6cd5\u5f8b\u3067\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u7d50\u679c\u3068\u3057\u3066\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u6570\u3042\u308b\u6295\u8cc7\u30fb\u4fdd\u967a\u5546\u54c1\u306e\u306a\u304b\u3067\u3082\u3001\u3068\u3073\u306c\u3051\u3066\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306e\u9ad8\u3044\u5546\u54c1\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u8ca9\u58f2\u3059\u308b\u4eba\u306f\u3053\u306e\u610f\u5473\u3067\u5927\u304d\u306a\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3092\u6301\u3063\u3066\u304a\u308a\u3001\u9867\u5ba2\u306b\u6700\u5584\u3067\u306a\u304f\u3066\u3082\u8ca9\u58f2\u3059\u308b\u3068\u3044\u3046\u60aa\u8cea\u306a\u30d6\u30ed\u30fc\u30ab\u30fc\u3082\u767b\u5834\u3057\u3001\u591a\u304f\u306e\u8a34\u8a1f\u554f\u984c\u3082\u8d77\u3053\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e10\uff05\u306f\u3001\u76ee\u306b\u898b\u3048\u308b\u5f62\u3067\u79c1\u305f\u3061\u306e\u304a\u8ca1\u5e03\u304b\u3089\u652f\u6255\u3046\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u4e0b\u306b\u5217\u6319\u3059\u308b\u3055\u307e\u3056\u307e\u306a\u5f62\u614b\u3067\u9593\u63a5\u7684\u306b\u5fb4\u53ce\u3055\u308c\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

\u30b5\u30ec\u30f3\u30c0\u30fc\u30fb\u30c1\u30e3\u30fc\u30b8\uff08\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\uff09\uff1a\u3000<\/b>\u5951\u7d04\u306b\u3088\u308a\u307e\u3061\u307e\u3061\u3067\u3059\u304c\u3001\u305f\u3068\u3048\u3070\u300c\u6700\u521d\u306e7\u5e74\u9593\u306b\u89e3\u7d04\u3059\u308b\u5834\u5408\u306f\u3001\u53e3\u5ea7\u6b8b\u9ad8\u306e\uff17\uff05\u304c\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u3068\u3057\u3066\u304b\u304b\u308a\u30011\u5e74\u3092\u6e1b\u308b\u3054\u3068\u306b\uff11\uff05\u305a\u3064\u6e1b\u5c11\u30018\u5e74\u76ee\u304b\u3089\u306f\u89e3\u7d04\u3057\u3066\u3082\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u306a\u3057\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u5177\u5408\u3067\u3059\u3002\u3053\u306e\uff17\uff05\u306f\u307e\u3060\u826f\u5fc3\u7684\u306a\u307b\u3046\u3067\u300115\uff05\u300120\uff05\u3001\u3072\u3069\u3044\u306825\uff05\u3068\u3044\u3046\u5951\u7d04\u3082\u5b58\u5728\u3059\u308b\u3088\u3046\u3067\u3059\u3002\u3068\u306b\u304b\u304f\u3001\u5951\u7d04\u66f8\u306f\u3088\u304f\u8aad\u3080\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4f4e\u30b3\u30b9\u30c8\u3092\u8a87\u308bVanguard\u306e\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306a\u3089\u3001\u3053\u306e\u30b5\u30ec\u30f3\u30c0\u30fc\u30fb\u30c1\u30e3\u30fc\u30b8\u306f\u8ab2\u3055\u308c\u307e\u305b\u3093\u3002\u4f4e\u30b3\u30b9\u30c8\u30fb\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u63d0\u4f9b\u3055\u308c\u306a\u3044\u3088\u3046\u306a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308b\u306a\u3089\u5225\u3067\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u306a\u3089\u3001\u9ad8\u3044\u30b5\u30ec\u30f3\u30c0\u30fc\u30fb\u30c1\u30e3\u30fc\u30b8\u306e\u5951\u7d04\u306f\u3057\u306a\u3044\u307b\u3046\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u4fdd\u967a\u6599<\/b>\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3059\u304b\u3089\u3001\u6b7b\u4ea1\u306e\u5834\u5408\u3001\u3042\u308b\u3044\u306f\u751f\u5b58\u4e2d\u7d99\u7d9a\u3055\u308c\u308b\u3079\u304d\u4fdd\u967a\u3068\u3057\u3066\u306e\u300c\u4fa1\u5024\u300d\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u591a\u304f\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u3001\u3082\u3057\u53d7\u3051\u53d6\u308a\u958b\u59cb\u524d\u306b\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f\u3001\u6295\u8cc7\u3057\u305f\u5143\u672c\u304b\u73fe\u5728\u306e\u6295\u8cc7\u6b8b\u9ad8\u304b\u3001\u3069\u3061\u3089\u304b\u5927\u304d\u3044\u307b\u3046\u3092\u652f\u6255\u3046\u3068\u3044\u3046\u6b7b\u4ea1\u4fdd\u969c\u304c\u3064\u3044\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u4fdd\u967a\u3068\u3057\u3066\u306e\u300c\u4fa1\u5024\u300d\u306b\u5bfe\u3057\u3066\u4fdd\u967a\u6599\u304c\u767a\u751f\u3059\u308b\u306e\u306f\u5f53\u7136\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u53e3\u5ea7\u6b8b\u9ad8\u306e1.25\uff05\u7a0b\u5ea6\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u554f\u984c\u306f\u3001\u305d\u306e\u88dc\u511f\u304c\u672c\u5f53\u306b\u5fc5\u8981\u304b\u3069\u3046\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u81ea\u5206\u306b\u3068\u3063\u3066\u30b3\u30b9\u30c8\u306b\u898b\u5408\u3046\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308b\u306a\u3089\u554f\u984c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u3088\u304f\u308f\u304b\u3089\u305a\u5951\u7d04\u3057\u3066\u3001\u4e0d\u8981\u306a\u88dc\u511f\u306b\u304a\u91d1\u3092\u6255\u3044\u7d9a\u3051\u308b\u3053\u3068\u306f\u306a\u3093\u3068\u3082\u3082\u3063\u305f\u3044\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u5834\u5408\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u3042\u308b\u3079\u304d\u3067\u3059\u304c\u3001\u5c06\u6765\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3067\u3042\u308c\u3070\u3001\u307e\u305a\u306f\u901a\u5e38\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3078\u306e\u4f4e\u30b3\u30b9\u30c8\u6295\u8cc7\u3067\u8cc7\u91d1\u3092\u5897\u3084\u3057\u3066\u3044\u304d\u3001\u672c\u5f53\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u6642\u70b9\u3067\u8cfc\u5165\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u5341\u5206\u53ef\u80fd\u3067\u3059\u3002<\/p>\n

\u6295\u8cc7\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599<\/b>\uff1a\u3000Variable Annuity\u306e\u5834\u5408\u3001401(k)\u306e\u3088\u3046\u306b\u81ea\u5206\u3067\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u306e\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u629e\u3057\u3066\u904b\u7528\u3057\u3066\u3044\u304f\u308f\u3051\u3067\u3059\u304c\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\uff08\u4fd7\u306b\u8a00\u3046Expense Ratio\uff09\u304c\u3070\u304b\u306b\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n

Morningstar\u304c\u5404\u793e\u306eVariable Annuity \u3067\u6295\u8cc7\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u516869,123\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u8abf\u3079\u305f\u3068\u3053\u308d\u300180\uff05\u4ee5\u4e0a\u306e\u30d5\u30a1\u30f3\u30c9(\u7d0456,000\u30d5\u30a1\u30f3\u30c9)\u304c\uff12\uff05\u4ee5\u4e0a\u306e\u624b\u6570\u6599\uff08Expense Ratio\uff09\u3092\u8ab2\u3057\u3066\u304a\u308a\u3001\uff19\uff05\u4ee5\u4e0a\u306e\u30d5\u30a1\u30f3\u30c9\uff08\u7d046,200\u30d5\u30a1\u30f3\u30c9\uff09\u304c\uff13\uff05\u4ee5\u4e0a\u306e\u624b\u6570\u6599\u3092\u3001\u4e2d\u306b\u306f\uff15\uff05\u4ee5\u4e0a\u306e\u624b\u6570\u6599\u3092\u8ab2\u3057\u3066\u3044\u308b\u3082\u306e\uff08\u7d04290\u30d5\u30a1\u30f3\u30c9\uff09\u3082\u3042\u3063\u305f\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\u306f\u65e5\u3054\u308d\u304b\u3089\u554f\u984c\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u4e2d\u3067\u3082\u3053\u308c\u3089\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u9078\u629e\u80a2\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\u306f\u975e\u5e38\u306b\u9ad8\u3044\u3082\u306e\u304c\u591a\u3044\u3068\u3044\u3046\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n

Vanguard\u306eVariable Annuity\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u9078\u629e\u80a2\u3067\u306f\u3053\u306e\u624b\u6570\u6599(Expense Ratio)\u306f0.40\uff5e0.80\uff05\u307b\u3069\u3067\u3059\u306e\u3067\u3001\u4e0a\u8a18\u306e\uff12\uff5e\uff13\uff05\u3068\u3044\u3046\u306e\u306f\u6cd5\u5916\u306b\u9ad8\u3044\u3082\u306e\u3068\u3044\u308f\u3056\u308b\u3092\u5f97\u307e\u305b\u3093\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5951\u7d04\u306f\u3001\u614e\u91cd\u306b\u9032\u3081\u308b\u3079\u304d\u3067\u3059\u3002\u81ea\u5206\u306e\u3068\u3063\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u5fc5\u8981\u304b\u3001\u30b3\u30b9\u30c8\u306f\u3069\u306e\u304f\u3089\u3044\u304b\u3001\u30b3\u30b9\u30c8\u306b\u307f\u3042\u3046\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308b\u304b\u306a\u3069\u3001\u5951\u7d04\u66f8\u3092\u3088\u304f\u3088\u304f\u8aad\u3093\u3067\u5951\u7d04\u3059\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002\u30bb\u30ab\u30f3\u30c9\u30aa\u30d4\u30cb\u30aa\u30f3\u304c\u5fc5\u8981\u306a\u5834\u5408\u306f\u3001\u305c\u3072Smart & Responsible\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9<\/a>\u3092\u3054\u5229\u7528\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u300c\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306e\u305f\u3081\u306b\u5951\u7d04\u3057\u305f\u3082\u306e\u306e\u3001\u305d\u306e\u5f8c\u51e6\u7406\u306b\u56f0\u3063\u3066\u3044\u308b\u30fb\u30fb\u300d\u3068\u3044\u3046\u8a71\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3001IRA\u306a\u3069\u306e\u6295\u8cc7\u3068\u540c\u3058\u3088\u3046\u306b\u3068\u3089\u3048\u3001\u300c\u5c06\u6765\u3078\u306e\u5099\u3048\u3060\u304b\u3089\u3044\u3044\u3082\u306e\u306b\u9055\u3044\u306a\u3044\u3002\u3002\u300d\u3068\u8003\u3048\u5951\u7d04\u3057\u305f\u3082\u306e\u306e\u3001\u3069\u3046\u3082\u6e80\u8db3\u3057\u3066\u3044\u306a\u3044\u30fb\u30fb\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300c\u3075\u3064\u3046\u306e\u6295\u8cc7\u300d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3059\u3002\u3088\u304f\u7406\u89e3\u3057\u306a\u3044\u3067\u6c17\u8efd\u306b\u5951\u7d04\u3059\u308b\u3068\u3001\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304f\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u7d10\u89e3\u3044\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002\u3002<\/p>\n","protected":false},"author":1,"featured_media":4019,"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":[36,38],"tags":[47,75],"class_list":["post-2607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement","tag-retire","tag-investment"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-robot-toy.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-G3","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2607","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=2607"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2607\/revisions"}],"predecessor-version":[{"id":2626,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2607\/revisions\/2626"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4019"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=2607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=2607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=2607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}