{"id":2685,"date":"2013-07-16T10:41:45","date_gmt":"2013-07-16T18:41:45","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2685"},"modified":"2013-07-16T10:42:45","modified_gmt":"2013-07-16T18:42:45","slug":"401k_pension","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/401k_pension\/","title":{"rendered":"401(k)\u306f\u30da\u30f3\u30b7\u30e7\u30f3\u3092\u8d85\u3048\u3089\u308c\u306a\u3044\uff1f"},"content":{"rendered":"

\u300c401(k)\u30d7\u30e9\u30f3\u306f\u30da\u30f3\u30b7\u30e7\u30f3\u30d7\u30e9\u30f3\u3092\u8d85\u3048\u3089\u308c\u306a\u3044\u300d\u3068\u3044\u3046\u30bf\u30a4\u30c8\u30eb\u306e\u8a18\u4e8b\u3092\u898b\u304b\u3051\u307e\u3057\u305f\u3002\u4eca\u306f\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u7d44\u7e54\u306f\u975e\u5e38\u306b\u6570\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002Defined Benefit Plan(\u78ba\u5b9a\u7d66\u4ed8\u578b\uff09\u306e\u30da\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u3001\u5c06\u6765\u3001\u78ba\u5b9a\u7d66\u4ed8\u984d\u3092\u652f\u6255\u3046\u305f\u3081\u306e\u6295\u8cc7\u8cac\u4efb\u306f\u7d44\u7e54\u306b\u3042\u308a\u307e\u3059\u304c\u3001Defined Contribution Plan\uff08\u78ba\u5b9a\u62e0\u51fa\u578b\uff09\u306e401(k)\u306f\u3001\u7d44\u7e54\u306e\u8cac\u4efb\u306f\u6c7a\u307e\u3063\u305f\u639b\u3051\u91d1\u3092\u62e0\u51fa\u3059\u308b\u306e\u306b\u9650\u3089\u308c\u3001\u6295\u8cc7\u8cac\u4efb\u306f\u500b\u4eba\u306b\u8ca0\u308f\u3055\u308c\u307e\u3059\u3002\u7d44\u7e54\u306f\u81ea\u5206\u306e\u8cac\u4efb\u8efd\u6e1b\u3068\u30b3\u30b9\u30c8\u524a\u6e1b\u306e\u305f\u3081\u3001\u307e\u305f\u52b4\u50cd\u8005\u306f\u81ea\u5206\u3067\u6295\u8cc7\u3092\u9078\u629e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u300c\u81ea\u7531\u300d\u3092\u6c42\u3081\u3066\u3001\u52a0\u901f\u5ea6\u7684\u306b401(k)\u3078\u306e\u79fb\u884c\u304c\u9032\u307f\u307e\u3057\u305f\u3002\u3067\u3082\u3001\u904e\u53bb\u306e\u6295\u8cc7\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u898b\u308b\u3068\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u307b\u3046\u304c401(k)\u5168\u4f53\u3088\u308a\u3082\u6210\u7e3e\u304c\u3088\u3044\u3068\u3044\u3046\u30ec\u30dd\u30fc\u30c8\u3002\u3002\u3061\u3087\u3063\u3068\u6c17\u306b\u306a\u308a\u307e\u3059\u306d\u3002<\/p>\n

\u6210\u7e3e\u304f\u3089\u3079<\/h2>\n

2011\u5e74\u306e\u6210\u7e3e\u3092\u6bd4\u3079\u3066\u307f\u308b\u3068\u3001\u7dcf\u5408\u7684\u306b\u898b\u3066\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u6295\u8cc7\u5229\u56de\u308a\u304c401(k)\u306e\u305d\u308c\u3088\u308a3\uff05\u8fd1\u304f\u4e0a\u56de\u3063\u305f\u3068\u3044\u3046\u7d50\u679c\u3060\u3063\u305f\u305d\u3046\u3067\u3059\u3002\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u5229\u56de\u308a\u306f2.74\uff05\u3001401(k)\uff08\u3068\u305d\u308c\u4ee5\u5916\u306e403(b)\u306a\u3069\u306e\u540c\u69d8\u306aDefined Contribution Plan\u3092\u542b\u3080\uff09\u306e\u5229\u56de\u308a\u306f-0.22\uff05\u3001\u3064\u307e\u308a\u8d64\u5b57\u3060\u3063\u305f\u3068\u3044\u3046\u306e\u3067\u3059\u3002\u3072\u3068\u3064\u306b\u306f\u682a\u5f0f\u5e02\u5834\u304c\u4e71\u308c\u305f2011\u5e74\u306b\u306f\u3001\u682a\u6bd4\u7387\u306e\u9ad8\u3081\u306e401(k)\u304c\u3088\u308a\u5927\u304d\u306a\u6253\u6483\u3092\u53d7\u3051\u3001\u53cd\u5bfe\u306b\u9577\u671f\u30dc\u30f3\u30c9\uff08\u50b5\u6a29\uff09\u3092\u62b1\u3048\u308b\u30da\u30f3\u30b7\u30e7\u30f3\u306f\u30dc\u30f3\u30c9\u306e\u5024\u4e0a\u304c\u308a\u3092\u4eab\u53d7\u3067\u304d\u305f\u3068\u3044\u3046\u8981\u56e0\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u304c\u3002<\/p>\n

\u305f\u3060\u3053\u306e\u50be\u5411\u306f2011\u5e74\u306b\u9650\u3063\u305f\u3053\u3068\u3067\u306f\u306a\u304f\u30011995\u5e74\u304b\u30892011\u5e74\u307e\u3067\u306e17\u5e74\u9593\u30012009\u5e74\u3060\u3051\u3092\u4f8b\u5916\u306b\u3001\u6052\u5e38\u7684\u306b\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u307b\u3046\u304c\u6210\u7e3e\u304c\u3088\u304b\u3063\u305f\uff08\u7dcf\u5408\u7684\u306b\u898b\u3066\u4e00\u5e74\u3042\u305f\u308a0.76\uff05\uff09\u3068\u3044\u3046\u7d50\u679c\u3002\u4f8b\u5916\u306e2009\u5e74\u306f\u3001\u682a\u5f0f\u5e02\u5834\u304c\u975e\u5e38\u306b\u5143\u6c17\u3060\u3063\u305f\u5e74\u3067\u3059\u3002\u682a\u6bd4\u7387\u304c\u9ad8\u3044401(k)\u306b\u306f\u3088\u3044\u4e00\u5e74\u3067\u3001401(k)\u306e\u6210\u7e3e\u306e\u307b\u3046\u304c\u3088\u304b\u3063\u305f\u308f\u3051\u3067\u3059\u3002<\/p>\n

\u30da\u30f3\u30b7\u30e7\u30f3\u306f\u304a\u91d1\u3055\u3048\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308c\u3070\u3001\u5c06\u6765\u7684\u306b\u5b9a\u307e\u3063\u305f\u984d\u3092\u3001\u6708\u3005\u3001\u4e00\u751f\u6daf\u306e\u9593\u53d7\u3051\u3068\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u308f\u3051\u3067\u3001\u305d\u308c\u306f\u5927\u304d\u306a\u9b45\u529b\u3067\u3059\u3002401(k)\u3067\u306f\u540c\u69d8\u306a\u6210\u7e3e\u304c\u51fa\u3057\u306b\u304f\u3044\u3068\u3044\u3046\u306e\u306a\u3089\u3001\u306a\u304a\u3055\u3089\u9b45\u529b\u7684\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u81ea\u5206\u306e\u7d44\u7e54\u3067\u30da\u30f3\u30b7\u30e7\u30f3\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u306a\u3051\u308c\u3070\u5165\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u308f\u3051\u3067\u3059\u304b\u3089\u3001\u3042\u304c\u3044\u3066\u3082\u4ed5\u65b9\u304c\u3042\u308a\u307e\u305b\u3093\u306d\u3002401(k)\u3057\u304b\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u5834\u5408\u3001\u3053\u306e\u4e8b\u5b9f\u3092\u3069\u3046\u53d7\u3051\u6b62\u3081\u308c\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u304b\u3002401(k)\u3092\u5229\u7528\u3057\u3066\u3044\u304f\u4e0a\u3067\u3001\u4f55\u304b\u9069\u7528\u3067\u304d\u308b\u3088\u3046\u306a\u77e5\u6075\u306f\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n

401(k)\u3057\u304b\u306a\u3044\u306e\u306a\u3089\u3001\u3069\u3046\u3059\u308b\uff1f<\/h2>\n

\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\uff08\u6295\u8cc7\u306e\u591a\u69d8\u6027\uff09\u3092\u91cd\u3093\u3058\u308b<\/span><\/h5>\n

\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u6210\u7e3e\u304c\u3044\u3044\u7406\u7531\u306e\u3072\u3068\u3064\u306f\u3001\u305d\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u3059\u3002\u3060\u3044\u305f\u3044\u306b\u304a\u3044\u3066\u30da\u30f3\u30b7\u30e7\u30f3\u30fb\u30d5\u30a1\u30f3\u30c9\u3068\u3044\u3046\u306e\u306f\u304b\u306a\u308a\u898f\u6a21\u306e\u5927\u304d\u3044\u6295\u8cc7\u30d7\u30fc\u30eb\u3067\u3059\u304b\u3089\u3001\u5c0f\u3055\u306a\u6295\u8cc7\u3067\u306f\u8cb7\u3046\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u3088\u3046\u306a\u7279\u6b8a\u306a\u6295\u8cc7\u306b\u307e\u3067\u624b\u304c\u4f38\u3070\u305b\u307e\u3059\u3002\u30ea\u30b9\u30ad\u30fc\u3067\u6295\u6a5f\u7684\u306a\u6295\u8cc7\u3092\u305f\u304f\u3055\u3093\u6301\u3064\u3053\u3068\u306f\u975e\u5e38\u306b\u5371\u967a\u3067\u3059\u304c\u3001\u305d\u306e\u3088\u3046\u306a\u6295\u8cc7\u3092\u5927\u304d\u306a\u591a\u69d8\u306a\u30d7\u30fc\u30eb\u306e\u4e2d\u3067\u3061\u3087\u3063\u3068\u3060\u3051\u30b9\u30d1\u30a4\u30b9\u7684\u306b\u6301\u3064\u3068\u3001\u5168\u4f53\u306e\u5229\u56de\u308a\u3092\u62bc\u3057\u4e0a\u3052\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3088\u304f\u77e5\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u918d\u9190\u5473\u3067\u3059\u3002<\/p>\n

\u3064\u307e\u308a401(k)\u3067\u3082\u591a\u69d8\u5316\u3092\u76ee\u6307\u3059\u3053\u3068\u304c\u5927\u5207\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u6295\u6a5f\u7684\u306b\u8d70\u308a\u3059\u304e\u308b\u306e\u306f\u3044\u3051\u307e\u305b\u3093\u304c\u3001\u5b89\u5168\u601d\u8003\u306b\u504f\u308a\u3059\u304e\u3066\u5b89\u5b9a\u30d5\u30a1\u30f3\u30c9\u3070\u304b\u308a\u306b\u96c6\u4e2d\u3057\u3059\u304e\u308b\u306e\u3082\u3060\u3081\u3002<\/b>\u81ea\u5206\u306e401(k)\u3067\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u308b\u30d5\u30a1\u30f3\u30c9\u9078\u629e\u80a2\u3092\u628a\u63e1\u3057\u3066\u3001\u3061\u3087\u3046\u3069\u3088\u3044\u30df\u30c3\u30af\u30b9\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u5927\u304d\u306a\u4f1a\u793e\u304b\u3089\u6bd4\u8f03\u7684\u5c0f\u3055\u306a\u4f1a\u793e\u306b\u8ee2\u8077\u3057\u305f\u3088\u3046\u306a\u5834\u5408\u306f\u3069\u3046\u3067\u3057\u3087\u3046\u3002\u5927\u304d\u306a\u4f1a\u793e\u306e401(k)\u306e\u6295\u8cc7\u9078\u629e\u80a2\u3068\u5c0f\u3055\u306a\u4f1a\u793e\u306e\u9078\u629e\u80a2\u3092\u6bd4\u8f03\u3057\u3066\u307f\u308b\u3068\u3001\u9078\u629e\u80a2\u306e\u591a\u69d8\u6027\u306b\u5927\u304d\u306a\u9055\u3044\u304c\u3042\u308b\u3053\u3068\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u30fb\u30c7\u30a4\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\u3084\u30e9\u30a4\u30d5\u30b5\u30a4\u30af\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306e\u3088\u3046\u306b\u3001\u3059\u3067\u306b\u591a\u69d8\u306a\u6295\u8cc7\u3092\u7d44\u5408\u305b\u3066\u3067\u304d\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u304c\u3042\u308b\u306a\u3089\u3001\u305d\u306e\u5229\u7528\u4fa1\u5024\u3082\u5927\u304d\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u7d44\u7e54\u3067\u9078\u629e\u3067\u304d\u308b\u6295\u8cc7\u306e\u7a2e\u985e\u3068\u305d\u306e\u5e45\u306b\u9055\u3044\u304c\u3042\u308b\u306a\u3089\u3001\u6562\u3048\u3066\u524d\u306e\u4f1a\u793e\u306e401(k)\u3092\u305d\u306e\u307e\u307e\u30ad\u30fc\u30d7\u3059\u308b\u3068\u3044\u3046\u306e\u3082\u7406\u306b\u304b\u306a\u3063\u305f\u9078\u629e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4e0e\u3048\u3089\u308c\u305f\u9078\u629e\u80a2\u306e\u4e2d\u3067\u3001\u300c\u3044\u3044\u300d\u30d5\u30a1\u30f3\u30c9\u72d9\u3044\u3092\u3059\u308b\u306e\u3067\u306f\u304f\u3001\u306a\u308b\u3079\u304f\u591a\u69d8\u306a\u6295\u8cc7\u3092\u6301\u3064\u3053\u3068\u304c\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/p>\n

\u9577\u671f\u6226\u3067\u69cb\u3048\u308b<\/span><\/h5>\n

\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u6210\u7e3e\u304c\u5b89\u5b9a\u7684\u306b\u3088\u3044\u3082\u3046\u3072\u3068\u3064\u7406\u7531\u306f\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u306f\u8001\u82e5\u7537\u5973\u306e\u591a\u304f\u306e\u4eba\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306b\u6295\u8cc7\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u3069\u306e\u4e00\u6642\u70b9\u3092\u3068\u3063\u3066\u3082\u5e38\u306b\u9577\u671f\u6295\u8cc7\u306e\u59ff\u52e2\u3092\u3068\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u9577\u671f\u3067\u69cb\u3048\u308c\u3070\u3068\u308c\u308b\u30ea\u30b9\u30af\u3082\u5897\u3048\u307e\u3059\u306e\u3067\u3001\u7d50\u679c\u7684\u306b\u5229\u56de\u308a\u3082\u9ad8\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306e\u6295\u8cc7\u3067\u3088\u304f\u3042\u308b\u904e\u3061\u306f\u3001\u6295\u8cc7\u306e\u671f\u9593\u3092\u77ed\u304f\u898b\u7a4d\u3082\u308a\u3059\u304e\u308b\u3053\u3068\u3067\u3059\u3002<\/b>\u6295\u8cc7\u671f\u9593\u304c\u77ed\u304f\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u3001\u30ea\u30b9\u30af\u9ad8\u306e\u682a\u306e\u6bd4\u7387\u3092\u4e0b\u3052\u3001\u30dc\u30f3\u30c9\uff08\u50b5\u6a29\uff09\u306e\u6bd4\u7387\u3092\u4e0a\u3052\u308b\u306e\u306f\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u57fa\u672c\u3067\u3059\u304c\u3001\u305f\u3068\u3048\u3070\u300150\u6b73\u306e\u65b9\u306e\u5834\u5408\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u307e\u3067\u3042\u306810\u5e74\uff5e15\u5e74\u306a\u306e\u3067\u3001\u300c\u3082\u304610\u5e74\u3057\u304b\u306a\u3044\u30fb\u30fb\u300d\u3068\u682a\u306e\u6bd4\u7387\u3092\u4e0b\u3052\u3059\u304e\u3001\u30dc\u30f3\u30c9\uff08\u50b5\u6a29\uff09\u6bd4\u7387\u3092\u4e0a\u3052\u3059\u304e\u308b\u50be\u5411\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u308c\u3067\u4f55\u304c\u3044\u3051\u306a\u3044\u304b\u3068\u3044\u3046\u3068\u3001\u30ea\u30b9\u30af\u3092\u3068\u3089\u306a\u3055\u3059\u304e\u3066\u30ea\u30bf\u30fc\u30f3\u3092\u72a0\u7272\u306b\u3057\u3059\u304e\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u5b9f\u969b\u300110\u5e74\uff5e15\u5e74\u3067\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u3082\u3001\u6295\u8cc7\u306f\u6b7b\u306c\u307e\u3067\u7d9a\u304f\u308f\u3051\u3067\u3001\u5065\u5eb7\u306a\u4eba\u306e\u5834\u540850\u6b73\u6642\u70b9\u3067\u306e\u5bff\u547d\u306f\u3068\u3044\u3048\u307025\u5e74\uff5e45\u5e74\u3068\u306a\u308a\u307e\u3059\u3002\u591a\u304f\u306e\u4eba\u3092\u5bfe\u8c61\u306b\u3057\u3066\u3044\u308b\u30da\u30f3\u30b7\u30e7\u30f3\u3068\u500b\u4eba\u3060\u3051\u306e401(k)\u3068\u306f\u9055\u3044\u307e\u3059\u304b\u3089\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u307b\u3069\u306e\u9577\u671f\u6295\u8cc7\u306f\u3067\u304d\u306a\u304f\u3068\u3082\u3001\u5c11\u306a\u304f\u3068\u3082\u8fd1\u8996\u773c\u7684\u306b\u306a\u308a\u3059\u304e\u306a\u3044\u52aa\u529b\u304c\u5fc5\u8981\u3067\u3059<\/b>\u306d\u3002<\/p>\n

\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3059\u308b<\/span><\/h5>\n

\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u5229\u70b9\u306e\u6700\u5f8c\u306f\u3001\u4f4e\u30b3\u30b9\u30c8\u3067\u3059\u3002\u898f\u6a21\u306e\u5927\u304d\u3044\u30da\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u3001\u5927\u53e3\u3067\u6295\u8cc7\u304c\u3067\u304d\u308b\u306e\u3067\u5358\u4f4d\u3042\u305f\u308a\u306e\u30b3\u30b9\u30c8\u306f\u4f4e\u304f\u306a\u308a\u307e\u3059\u3002\u7d44\u7e54\u306f\u3001\u5c02\u5c5e\u3067\u30d5\u30a1\u30f3\u30c9\u3092\u7ba1\u7406\u3059\u308b\u30d7\u30ed\u3092\u96c7\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u8cbb\u7528\u3084\u624b\u6570\u6599\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u5f15\u304b\u308c\u308b\u306e\u3067\u306f\u306a\u304f\u7d44\u7e54\u304c\u76f4\u63a5\u8ca0\u62c5\u3057\u307e\u3059\u3002\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u5f15\u304b\u308c\u308b\u624b\u6570\u6599\u304c\u306a\u3044\u3068\u3044\u3046\u306e\u306f\u3001\u6295\u8cc7\u304c\u9577\u671f\u9593\u306b\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u3001\u5927\u304d\u306a\u5229\u70b9\u3068\u306a\u308a\u307e\u3059\u3002\u305d\u308c\u306b\u6bd4\u3079\u3066401(k)\u3067\u9078\u629e\u3067\u304d\u308b\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u591a\u304f\u306f\u3001\u975e\u5e38\u306b\u9ad8\u3044\u624b\u6570\u6599\u3092\u8ab2\u3059\u3053\u3068\u304c\u3057\u3070\u3057\u3070\u3067\u3059\u3002<\/b>\u3053\u306e\u624b\u6570\u6599\u306f\u76f4\u63a5\u7684\u306b\u5229\u56de\u308a\u3092\u98df\u3044\u3001\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u6253\u6483\u3092\u4e0e\u3048\u307e\u3059\u3002<\/p>\n

401(k)\u3067\u904b\u7528\u3059\u308b\u5834\u5408\u3082\u3001\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u4f4e\u30b3\u30b9\u30c8\u3092\u5fd7\u3059\u3053\u3068<\/b>\u3001\u3053\u308c\u306f\u5927\u304d\u306a\u30ad\u30fc\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u624b\u6570\u6599\u3092\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002401(k)\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u306f\u3069\u308c\u3082\u624b\u6570\u6599\u304c\u9ad8\u3044\u3068\u3044\u3046\u6700\u60aa\u306e\u5834\u5408\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306f401(k)\u3067\u3001\u3042\u3068\u306f\u5916\u90e8\u306e\u4f4e\u30b3\u30b9\u30c8\u30d5\u30a1\u30f3\u30c9\u306bIRA\u306a\u3069\u3092\u901a\u3057\u3066\u6295\u8cc7\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u7b56\u3082\u8003\u3048\u308b\u5fc5\u8981\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\u300c\u9078\u629e\u3059\u308b\u81ea\u7531\u300d\u306e\u30a6\u30e9\u306b\u306f\u30fb\u30fb\u30fb<\/h2>\n

1981\u5e74\u3053\u308d\u306b\u306f\u3058\u307e\u3063\u305f\u3053\u306e\u3001Defined Benefit Plan\uff08\u78ba\u5b9a\u7d66\u4ed8\u578b\uff09\u304b\u3089Defined Contribution Plan(\u78ba\u5b9a\u62e0\u51fa\u578b\uff09\u3078\u306e\u79fb\u884c\u3002\u88cf\u3067\u306f\u3001\u306a\u308b\u3079\u304f\u30b3\u30b9\u30c8\u524a\u6e1b\u3092\u56f3\u308a\u305f\u3044\u7d44\u7e54\u306e\u610f\u56f3\u3092\u6b63\u5f53\u5316\u3059\u308b\u304b\u306e\u3088\u3046\u306b\u3001\u52b4\u50cd\u8005\u5074\u306e\u300c\u9078\u629e\u3059\u308b\u81ea\u7531\u300d\u304c\u5927\u304d\u304fPR\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n

    \n
  • \u305f\u304f\u3055\u3093\u7a4d\u307f\u7acb\u3066\u308b\u304b\u5168\u304f\u7a4d\u307f\u7acb\u3066\u306a\u3044\u304b\u81ea\u7531\u306b\u9078\u3079\u308b\u7a4d\u7acb\u984d<\/li>\n
  • \u3069\u306e\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u304b\u81ea\u7531\u306b\u9078\u3079\u308b\u9078\u629e\u80a2<\/li>\n
  • \u3046\u307e\u304f\u30de\u30cd\u30fc\u30b8\u3059\u308c\u3070\u5927\u304d\u306a\u5229\u56de\u308a\u3092\u5f97\u3089\u308c\u308b\u81ea\u5df1\u7ba1\u7406<\/li>\n
  • \u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u5f15\u304d\u51fa\u3057\u3082\u81ea\u7531\u88c1\u91cf<\/li>\n
  • \u30ea\u30bf\u30a4\u30e4\u3059\u308b\u524d\u306b\u975e\u5e38\u8cc7\u91d1\u304c\u5fc5\u8981\u3068\u306a\u308c\u3070\u65e9\u671f\u5f15\u304d\u51fa\u3057\u3082\u53ef\u80fd\u30fb\u30fb<\/li>\n<\/ul>\n

    \u3068\u591a\u304f\u306e\u300c\u81ea\u7531\u300d\u304c\u5531\u3048\u3089\u308c\u307e\u3057\u305f\u3002<\/p>\n

    \u3067\u3082\u3053\u3053\u306b\u304d\u3066\u3001\u540c\u3058\u3060\u3051\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u751f\u307f\u51fa\u3059\u306e\u306b\u306f\u3001401(k)\u3088\u308a\u3082\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u307b\u3046\u304c\u30b3\u30b9\u30c8\u52b9\u7387\u304c\u3088\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u6c17\u304c\u4ed8\u304d\u59cb\u3081\u305f\u7d44\u7e54\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u3002\u9577\u671f\u7684\u306a\u96c7\u7528\u3092\u5ff5\u982d\u306b\u7f6e\u304f\u4e00\u5b9a\u4ee5\u4e0a\u306e\u30b5\u30a4\u30ba\u306e\u4f01\u696d\u306a\u3089\u3001\u9b45\u529b\u7684\u306a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u304b\u3048\u3063\u3066\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u307b\u3046\u304c\u5b89\u304f\u6e08\u3080\u3068\u3044\u3046\u3053\u3068\u3089\u3057\u3044\u3067\u3059\u3002<\/p>\n

    \u52b4\u50cd\u8005\u306f\u305d\u306e\u300c\u81ea\u7531\u300d\u304c\u3086\u3048\u306b\u30fb\u30fb\u30fb<\/p>\n

      \n
    • \u30da\u30f3\u30b7\u30e7\u30f3\u306e\u3088\u3046\u306b\u6c7a\u3081\u3089\u308c\u305f\u984d\u3092\u7a4d\u307f\u7acb\u3066\u3059\u308b\u7fd2\u6163\u3092\u81ea\u5206\u3067\u3064\u304f\u308c\u305a\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8fd1\u304f\u306b\u306a\u3063\u3066\u3082\u5341\u5206\u306a\u8cc7\u91d1\u304c\u305f\u307e\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u4eba\u3082\u975e\u5e38\u306b\u591a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/li>\n
    • \u307e\u305f\u3001\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u672c\u5f53\u306f\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u3069\u3046\u9078\u3093\u3060\u3089\u3088\u3044\u304b\u308f\u304b\u3089\u306a\u3044\u3068\u3044\u3046\u4eba\u3084\u3001\u77e5\u3089\u305a\u77e5\u3089\u305a\u306e\u3046\u3061\u306b\u591a\u304f\u306e\u624b\u6570\u6599\u3092\u6255\u3063\u3066\u3044\u308b\u4eba\u3082\u305f\u304f\u3055\u3093\u3044\u307e\u3059\u3002<\/li>\n<\/ul>\n

      401(k)\u306f\u591a\u304f\u306e\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3092\u5bcc\u307e\u305b\u306f\u3057\u307e\u3057\u305f\u304c\u3001401(k)\u306b\u79fb\u884c\u3059\u308b\u3053\u3068\u3067\u306e\u672c\u5f53\u306e\u5229\u76ca\u306f\u7d44\u7e54\u3084\u52b4\u50cd\u8005\u306b\u306f\u9084\u5143\u3055\u308c\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u306a\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30a2\u30e1\u30ea\u30ab\u4eba\u306f\uff62\u81ea\u7531\u300d\u3068\u3044\u3046\u30ad\u30fc\u30ef\u30fc\u30c9\u306b\u306f\u5f31\u3044\u3067\u3059\u304b\u3089\u306d\u3002\u300c\u81ea\u7531\u300d\u306a\u3089\u306a\u3093\u3067\u3082\u3044\u3044\u30fb\u30fb\u307f\u305f\u3044\u306a\u3002\u540c\u3058\u3088\u3046\u306bPR\u3055\u308c\u3066\u3044\u308b\u300c\u81ea\u7531\u300d\u304c\u3001Consumer Directed Healthcare\uff08\u6d88\u8cbb\u8005\u88c1\u91cf\u306b\u3088\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u9078\u629e\uff09\u306b\u3082\u57a3\u9593\u898b\u3089\u308c\u307e\u3059\u3002\u533b\u7642\u4fdd\u967a\u3082\u3055\u307e\u3056\u307e\u306a\u7a2e\u985e\u304c\u5b58\u5728\u3057\u3001\u300c\u533b\u8005\u3092\u9078\u3079\u308b\u81ea\u7531\u300d\u3001\u300c\u4fdd\u967a\u6599\u3092\u5c11\u306a\u304f\u3067\u304d\u308b\u81ea\u7531\u300d\u306e\u88cf\u306b\u306f\u3001\u672c\u5f53\u306b\u5fc5\u8981\u306a\u3068\u304d\u306e\u5fc5\u8981\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3078\u306e\u88dc\u511f\u304c\u4e0d\u5341\u5206\u306a\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u533b\u5e2b\u3084\u75c5\u9662\u3092\u81ea\u7531\u306b\u9078\u3079\u308b\u4ee3\u308f\u308a\u306b\u3001\u305d\u308c\u305e\u308c\u306e\u9078\u629e\u80a2\u3067\u5927\u304d\u306a\u5dee\u304c\u3042\u308b\u533b\u7642\u8cbb\u3092\u6bd4\u8f03\u541f\u5473\u3059\u308b\u8cac\u4efb\u3092\u8ca0\u308f\u3055\u308c\u6238\u60d1\u3046\u60a3\u8005\u3082\u305f\u304f\u3055\u3093\u3044\u307e\u3059\u3002\u300c\u81ea\u7531\u300d\u3068\u300c\u8cac\u4efb\u300d\u3092\u3068\u308b\u304b\u3001\u5c11\u3005\u81ea\u7531\u306f\u306a\u304f\u3066\u3082\u3042\u308b\u7a0b\u5ea6\u307e\u3068\u3081\u3066\u9762\u5012\u3092\u898b\u3066\u304f\u308c\u308b\u30b7\u30b9\u30c6\u30e0\u3092\u9078\u3076\u304b\u3068\u3044\u3046\u3053\u3068\u306a\u306e\u3067\u3057\u3087\u3046\u306d\u3002<\/p>\n

      \u30da\u30f3\u30b7\u30e7\u30f3\u306e\u9b45\u529b\u3092\u518d\u78ba\u8a8d\u3057\u305f\u7d44\u7e54\u306e\u4e2d\u306b\u306f\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u3078\u9006\u623b\u308a\u3059\u308b\u3068\u3053\u308d\u3082\u3067\u3066\u304f\u308b\u3060\u308d\u3046\u3068\u3044\u3046\u4e88\u6e2c\u3092\u3057\u3066\u3044\u308b\u5c02\u9580\u5bb6\u3082\u3044\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u3069\u3046\u306a\u308a\u307e\u3059\u3053\u3068\u304b\u3002\u3002\u3002\u52b4\u50cd\u8005\u500b\u4eba\u3068\u3057\u3066\u306f\u3001\u4e0e\u3048\u3089\u308c\u305f\u30b7\u30b9\u30c6\u30e0\u306e\u4e2d\u3067\u6700\u5584\u3092\u5c3d\u304f\u3059\u3060\u3051\u3067\u3059\u3002\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

      \u300c401(k)\u30d7\u30e9\u30f3\u306f\u30da\u30f3\u30b7\u30e7\u30f3\u30d7\u30e9\u30f3\u3092\u8d85\u3048\u3089\u308c\u306a\u3044\u300d\u3068\u3044\u3046\u30bf\u30a4\u30c8\u30eb\u306e\u8a18\u4e8b\u3092\u898b\u304b\u3051\u307e\u3057\u305f\u3002\u4eca\u306f\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u7d44\u7e54\u306f\u975e\u5e38\u306b\u6570\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002Defined Benefit Plan(\u78ba\u5b9a\u7d66\u4ed8\u578b\uff09\u306e\u30da\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u3001\u5c06\u6765\u3001\u78ba\u5b9a\u7d66\u4ed8\u984d\u3092\u652f\u6255\u3046\u305f\u3081\u306e\u6295\u8cc7\u8cac\u4efb\u306f\u7d44\u7e54\u306b\u3042\u308a\u307e\u3059\u304c\u3001Defined Contribution Plan\uff08\u78ba\u5b9a\u62e0\u51fa\u578b\uff09\u306e401(k)\u306f\u3001\u7d44\u7e54\u306e\u8cac\u4efb\u306f\u6c7a\u307e\u3063\u305f\u639b\u3051\u91d1\u3092\u62e0\u51fa\u3059\u308b\u306e\u306b\u9650\u3089\u308c\u3001\u6295\u8cc7\u8cac\u4efb\u306f\u500b\u4eba\u306b\u8ca0\u308f\u3055\u308c\u307e\u3059\u3002\u7d44\u7e54\u306f\u81ea\u5206\u306e\u8cac\u4efb\u8efd\u6e1b\u3068\u30b3\u30b9\u30c8\u524a\u6e1b\u306e\u305f\u3081\u3001\u307e\u305f\u52b4\u50cd\u8005\u306f\u81ea\u5206\u3067\u6295\u8cc7\u3092\u9078\u629e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u300c\u81ea\u7531\u300d\u3092\u6c42\u3081\u3066\u3001\u52a0\u901f\u5ea6\u7684\u306b401(k)\u3078\u306e\u79fb\u884c\u304c\u9032\u307f\u307e\u3057\u305f\u3002\u3067\u3082\u3001\u904e\u53bb\u306e\u6295\u8cc7\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u898b\u308b\u3068\u3001\u30da\u30f3\u30b7\u30e7\u30f3\u306e\u307b\u3046\u304c401(k)\u5168\u4f53\u3088\u308a\u3082\u6210\u7e3e\u304c\u3088\u3044\u3068\u3044\u3046\u30ec\u30dd\u30fc\u30c8\u3002\u3002\u3061\u3087\u3063\u3068\u6c17\u306b\u306a\u308a\u307e\u3059\u306d\u3002<\/p>\n","protected":false},"author":1,"featured_media":4031,"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":[38],"tags":[47,50],"class_list":["post-2685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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\/2017\/06\/SP-tomates.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-Hj","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2685","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=2685"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2685\/revisions"}],"predecessor-version":[{"id":2714,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/2685\/revisions\/2714"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4031"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=2685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=2685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=2685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}