{"id":2928,"date":"2014-02-04T12:46:09","date_gmt":"2014-02-04T20:46:09","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2928"},"modified":"2014-01-29T12:46:28","modified_gmt":"2014-01-29T20:46:28","slug":"cash_in_bank","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/cash_in_bank\/","title":{"rendered":"\u9280\u884c\u306b\u7720\u3063\u3066\u3044\u308b\u73fe\u91d1\u3092\u3069\u3046\u306b\u304b\u3057\u305f\u3044\uff65\uff65\uff65"},"content":{"rendered":"<p>\u65e5\u3005\u7bc0\u7d04\u3057\u3066\u8caf\u3081\u305f\u304a\u91d1\u304c\u9280\u884c\u306b\u305d\u306e\u307e\u307e\u7720\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u304c\u30fb\u30fb\u30fb\u3068\u3044\u3046\u304a\u8a71\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u304a\u91d1\u306e\u7ba1\u7406\u3092\u3053\u3064\u3053\u3064\u3059\u308b\u65e5\u672c\u4eba\u306b\u306f\u6848\u5916\u3042\u308b\u3053\u3068\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3042\u308b\u304a\u91d1\u306f\uff08\u3044\u3084\u3001\u306a\u3044\u304a\u91d1\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u3067\u30fb\u30fb\u30fb\uff09\u3069\u3093\u3069\u3093\u4f7f\u3063\u3066\u3057\u307e\u3046\u6d88\u8cbb\u5148\u884c\u306e\u30a2\u30e1\u30ea\u30ab\u4eba\u306b\u306f\u3001\u3046\u3084\u3089\u307e\u3057\u3044\u3053\u3068\u3067\u3057\u3087\u3046\u3002\u3067\u3082\u3001\u307b\u3068\u3093\u3069\u5229\u606f\u3082\u3064\u304b\u306a\u3044\u307e\u307e\u9280\u884c\u306b\u304a\u3044\u3066\u7f6e\u3044\u3066\u3082\u3044\u3044\u306e\u304b\u30fb\u30fb\u3068\u60a9\u3080\u3053\u3068\u306f\u3042\u308a\u307e\u3059\u306d\u3002\u305c\u3044\u305f\u304f\u306a\u60a9\u307f\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u3067\u3082\u6df1\u523b\u306a\u60a9\u307f\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u306b\u7720\u3063\u3066\u3044\u308b\u304a\u91d1\u306f\u3001<a href=\"file:\/\/\/C:\/Users\/iwasaki\/Documents\/smart&amp;amp;responsible\/blog\/%E9%8A%80%E8%A1%8C%E3%81%AB%E3%81%8A%E9%87%91%E3%82%92%E9%A0%90%E3%81%91%E3%82%8B%E3%81%A8%E6%90%8D%E3%82%92%E3%81%99%E3%82%8B%EF%BC%9F%E3%80%80-%E3%80%80%E8%B2%AF%E9%87%91%E3%81%AE%E3%82%A4%E3%83%B3%E3%83%95%E3%83%AC%E3%83%BB%E3%83%AA%E3%82%B9%E3%82%AF\" >\u5b9f\u969b\u306f\u76ee\u6e1b\u308a\u3057\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u5927<\/a>\u3060\u304b\u3089\u3067\u3059\u3002\u4eca\u65e5\u306f\u3001\u305d\u3093\u306a\u3061\u3087\u3063\u3068\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u3069\u3046\u3059\u308b\u304b\u3092\u8003\u3048\u3066\u898b\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u975e\u5e38\u6642\u306e\u84c4\u3048\u306f\u5341\u5206\uff1f<\/h2>\n<p>\u307e\u305a\u30c1\u30a7\u30c3\u30af\u304c\u5fc5\u8981\u306a\u306e\u306f\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\uff08\u82f1\u8a9e\u3067\u306fRainy Day Fund\u3068\u547c\u3070\u308c\u307e\u3059\uff09\u304c\u5341\u5206\u3042\u308b\u304b\u3067\u3059\u3002<a href=\"http:\/\/smartandresponsible.com\/blog\/balance-sheet-check\/\" >\u3053\u3061\u3089\u306e\u8a18\u4e8b\u3067\u7d39\u4ecb\u3057\u307e\u3057\u305f\u304c<\/a>\u3001\u6301\u3063\u3066\u3044\u308b\u8cc7\u7523\u3092\u3059\u3079\u3066\u30ea\u30b9\u30c8\u30a2\u30c3\u30d7\u3057\u3066\u307f\u3066\u3001\u6d41\u52d5\u6027\u306e\u9ad8\u3044\u8cc7\u7523\uff08\u3082\u3068\u3082\u3068\u73fe\u91d1\u304b\u3001\u3059\u3050\u306b\u73fe\u91d1\u5316\u3057\u3066\u3059\u3050\u4f7f\u3048\u308b\u8cc7\u7523\uff09\u304c\u5341\u5206\u306b\u3042\u308b\u304b\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3059\u3002\u6708\u3005\u306e\u751f\u6d3b\u8cbb\u7528\u306e3\u500d\u304b\u30896\u500d\u307b\u3069\u7528\u610f\u3059\u308b\u3079\u304d\u3068\u3044\u3046\u306e\u304c\u3088\u304f\u8a00\u308f\u308c\u308b\u30eb\u30fc\u30eb\u3067\u3059\u3002\u30b1\u30ac\u3084\u75c5\u6c17\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u533b\u7642\u4fdd\u967a\u3067\u306f\u3069\u306e\u304f\u3089\u3044\u30ab\u30d0\u30fc\u3055\u308c\u3001\u3069\u308c\u304f\u3089\u3044\u306f\u81ea\u5df1\u8ca0\u62c5\u306b\u306a\u308b\u306e\u304b\u3001HSA\uff08Health Saving Account\uff09\u306a\u3069\u4ed6\u306e\u53e3\u5ea7\u306b\u4f7f\u3048\u308b\u304a\u91d1\u304c\u3042\u308b\u304b\u3001\u8eca\u3092\u3076\u3064\u3051\u305f\u5834\u5408\u3084\u76d7\u307e\u308c\u305f\u5834\u5408\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u8cbb\u7528\u306a\u306f\u3044\u304b\u3001\u75c5\u6c17\u3084\u30b1\u30ac\u3067\u4e00\u6642\u7684\u306b\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u6240\u5f97\u4fdd\u969c\u4fdd\u967a\u306a\u3069\u3067\u53ce\u5165\u304c\u30ab\u30d0\u30fc\u3055\u308c\u308b\u304b\u3001\u6025\u306b\u89e3\u96c7\u3055\u308c\u305f\u3089\u3069\u3046\u306a\u308b\u304b\u3001\u306a\u3069\u81ea\u5206\u306b\u8d77\u3053\u308a\u3046\u308b\u975e\u5e38\u4e8b\u614b\u3092\u3042\u308b\u7a0b\u5ea6\u60f3\u50cf\u3057\u3066\u3001\u3069\u306e\u304f\u3089\u3044\u306e\u984d\u306e\u84c4\u3048\u304c\u5fc5\u8981\u304b\u5272\u308a\u51fa\u3057\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u84c4\u3048\u304c\u5341\u5206\u3067\u306f\u306a\u3044\u3068\u3044\u3046\u7d50\u679c\u306b\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u9280\u884c\u53e3\u5ea7\u306e\u73fe\u91d1\u306f\u3042\u308b\u3079\u304f\u3057\u3066\u305d\u3053\u306b\u3042\u308b\uff08\u6295\u8cc7\u306a\u3069\u306b\u56de\u3059\u3079\u304d\u3067\u306a\u3044\uff09\u304a\u91d1\u3068\u8003\u3048\u308b\u3079\u304d\u3067\u3059\u3002\u6295\u8cc7\u306b\u307e\u308f\u305b\u3070\u3001\u30ea\u30b9\u30af\u304c\u767a\u751f\u3057\u77ed\u671f\u7684\u306b\u306f\u76ee\u6e1b\u308a\u306e\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3057\u3001\u305d\u306e\u3046\u3048\u5fc5\u8981\u306a\u3068\u304d\u3059\u3050\u306b\u73fe\u91d1\u5316\u3067\u304d\u307e\u305b\u3093\uff08\u3059\u3050\u306b\u73fe\u91d1\u5316\u3067\u304d\u305f\u3068\u3057\u3066\u3082\u3001\u76ee\u6e1b\u308a\u3057\u305f\u307e\u307e\u73fe\u91d1\u5316\u305b\u3056\u308b\u3092\u3048\u306a\u3044\u3088\u3046\u306a\u72b6\u6cc1\u306b\u9665\u308a\u304b\u306d\u307e\u305b\u3093\uff09\u3002<\/p>\n<p>\u4ee5\u524d\u306f\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\u306e\u300c\u84c4\u3048\u5834\u6240\u300d\u306b\u306f\u30de\u30cd\u30fc\u30fb\u30de\u30fc\u30b1\u30c3\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\uff08MMF\uff09\u3092\u304a\u52e7\u3081\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u73fe\u5728\u3067\u306f\u7d0d\u5f97\u306e\u3044\u304f\u5229\u56de\u308a\u3092\u51fa\u3057\u3066\u3044\u308bMMF\u306f\u7686\u7121\u306b\u7b49\u3057\u304f\u3001\u3055\u3089\u306b\u306f<a href=\"http:\/\/smartandresponsible.com\/blog\/mmf\/\" >\u30de\u30cd\u30fc\u30fb\u30de\u30fc\u30b1\u30c3\u30c8(MMF)\u3000\u306e\u77e5\u3089\u308c\u3056\u308b\u30ea\u30b9\u30af<\/a>\u3067\u3082\u66f8\u3044\u305f\u3068\u304a\u308a\u3001<b> <\/b>MMF\u72ec\u81ea\u306e\u554f\u984c\u3082\u3042\u308b\u306e\u3067\u3001\u5c11\u306a\u304f\u3068\u3082\u73fe\u5728\u306f\u907f\u3051\u305f\u307b\u3046\u304c\u7121\u96e3\u3060\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u305f\u3060\u3001\u4eca\u5f8c\u91d1\u5229\u304c\u4e0a\u304c\u3063\u3066\u3044\u304f\u306b\u3064\u308c\u3001MMF\u306e\u5229\u56de\u308a\u3082\u6539\u5584\u3055\u308c\u308b\u53ef\u80fd\u6027\u306f\u5927\u3067\u3001\u4e88\u60f3\u3055\u308c\u308bMMF\u95a2\u9023\u306e\u6cd5\u5f8b\u3084\u30eb\u30fc\u30eb\u306e\u898b\u76f4\u3057\u5f8c\u306f\u3001\u307e\u305fMMF\u304c\u5b89\u5168\u3067\u4fe1\u983c\u3067\u304d\u308b\u77ed\u671f\u6295\u8cc7\u306b\u306a\u308b\u53ef\u80fd\u6027\u306f\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u6b8b\u308b\u306f\u3001\u77ed\u671fCD\u3084High Yield Saving\u306a\u3069\u3092\u5229\u7528\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30af\u306eHigh Yield Saving\u306b\u306f\u975e\u5e38\u306b\u9b45\u529b\u7684\u306a\u5229\u56de\u308a\u3092\u63d0\u4f9b\u3059\u308b\u3082\u306e\u3082\u591a\u3044\u3067\u3059\u304b\u3089\u3001\u305c\u3072\u8003\u616e\u3055\u308c\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30e2\u30fc\u30b2\u30fc\u30b8\u4ee5\u5916\u306e\u501f\u91d1\u306f\u306a\u3044\uff1f<\/h2>\n<p>\u6b21\u306b\u3001\u6761\u4ef6\u306e\u3088\u304f\u306a\u3044\u501f\u91d1\u304c\u306a\u3044\u304b\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3059\u3002\u901a\u5e38\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u4ee5\u5916\u306e\u501f\u91d1\u306f\u3001\u4f59\u5270\u91d1\u304c\u3042\u308b\u306e\u306a\u3089\u8fd4\u3057\u3066\u3057\u307e\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u305d\u306e\u4e2d\u3067\u3082\u7279\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u501f\u91d1\u306f\u3001\u3059\u3050\u306b\u3067\u3082\u8fd4\u3057\u3066\u3057\u307e\u3044\u305f\u3044\u3082\u306e\u306b\u3042\u305f\u308a\u307e\u3059\u3002\u6700\u8fd1\u306f<a href=\"http:\/\/smartandresponsible.com\/blog\/balance-transfer1\/\" >\u6700\u521d\u306e1\u5e74\u3068\u304b1\u5e74\u534a\u306f0\uff05\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ed\u30fc\u30f3\u304c\u7d44\u3081\u308b\u30ab\u30fc\u30c9\u3082\u591a\u3044<\/a>\u3067\u3059\u304c\u3001\u3053\u308c\u3089\u306f\u305d\u306e\u671f\u9593\u304c\u7d42\u308f\u308b\u3068\u30ac\u30af\u30f3\u3068\u91d1\u5229\u304c\u4e0a\u304c\u308b\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u306a\u306e\u3067\u3001\u300c\u671f\u9593\u4e2d\u306b\u6708\u3005\u306e\u652f\u6255\u3044\u3067100\uff05\u8fd4\u6e08\u3067\u304d\u308b\u304b\u3089\uff2f\uff2b\u300d\u3068\u3044\u3046\u5177\u4f53\u7684\u8a08\u753b\u304c\u3042\u308b\u306e\u306a\u3089\u3044\u3044\u3067\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u306e\u3067\u3042\u308c\u3070\u3001\u3059\u3050\u306b\u8fd4\u6e08\u3057\u3066\u3057\u307e\u3063\u305f\u307b\u3046\u304c\u5b89\u5fc3\u3067\u3059\u3002<\/p>\n<p>\u305d\u308c\u4ee5\u5916\u306b\u3082\u5b66\u751f\u30ed\u30fc\u30f3\u3084\u81ea\u52d5\u8eca\u30ed\u30fc\u30f3\u306a\u3069\u3001\u9280\u884c\u306e0.05\uff05\u306a\u3069\u3068\u3044\u3046\u5229\u606f\u306b\u6bd4\u3079\u308c\u3070\u305a\u3063\u3068\u9ad8\u3044\u91d1\u5229\u304c\u304b\u304b\u3063\u3066\u3044\u308b\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u3067\u3057\u3087\u3046\u304b\u3089\u3001\u7720\u3063\u3066\u3044\u308b\u304a\u91d1\u306e\u6709\u52b9\u6d3b\u7528\u6cd5\u306f\u307e\u305a\u306f\u501f\u91d1\u8fd4\u6e08\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>3\u5e74\uff5e5\u5e74\u304f\u3089\u3044\u3092\u76ee\u51e6\u306b\u306f\u4f7f\u3046\u4e88\u5b9a\u306a\u3089\u30fb\u30fb\u30fb<\/h2>\n<p>\u5341\u5206\u306a\u975e\u5e38\u6642\u306e\u84c4\u3048\u3082\u3042\u308a\u3001\u8fd4\u6e08\u3059\u3079\u304d\u501f\u91d1\u3082\u306a\u3044\u3068\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u305d\u306e\u304a\u91d1\u304c\u5fc5\u8981\u3068\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u671f\u9593\u3092\u8003\u3048\u3066\u898b\u307e\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u3070\u3001\u8eca\u306e\u8cb7\u3044\u66ff\u3048\u3084\u5bb6\u306e\u8cfc\u5165\u30fb\u30ea\u30e2\u30c7\u30eb\u306a\u30693\u5e74\u4ee5\u5185\u306b\u5fc5\u8981\u306b\u306a\u308a\u305d\u3046\u306a\u304a\u91d1\u3067\u3042\u308b\u3068\u3059\u308c\u3070\u30013\u5e74\u3082\u306e\u306e\uff23\uff24\u306a\u3069\u3067\u5c11\u3057\u3070\u304b\u308a\u9ad8\u3044\u5229\u56de\u308a\u3092\u72d9\u3046\u3068\u3044\u3046\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002\u3042\u308b\u3044\u306f\u3001High Yield Saving\u3092\u5229\u7528\u3059\u308b\u306e\u3082\u624b\u3067\u3059\u3002<\/p>\n<p>2014\u5e74\uff12\u6708\u73fe\u5728\u3067\u306f\u30015\u5e74\u3082\u306eCD\u304f\u3089\u3044\u306b\u306a\u308b\u3068\uff12\uff05\u3068\u3044\u3046\u91d1\u5229\u30ec\u30d9\u30eb\u307e\u3067\u4e0a\u304c\u308a\u307e\u3059\u3002\u898b\u308b\u3068High Yield Saving\uff082014\u5e74\uff12\u6708\u73fe\u5728\u306f\uff11\uff05\u5f31\uff09\u3088\u308a\u3082\u601d\u3044\u5207\u3063\u3066CD\u306b\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u30dd\u30a4\u30f3\u30c8\u306fCD\u306e\u5834\u5408\u3001\u4eca\u5f8c\u5e02\u5834\u91d1\u5229\u304c\u4e0a\u304c\u3063\u3066\u3082\u3001\u91d1\u5229\u306f\u5f53\u521d\u306e\u5951\u7d04\u306e\u307e\u307e\u636e\u3048\u7f6e\u304d\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3002\u4e00\u65b9\u3001High Yield Saving\u306f\u5e02\u5834\u91d1\u5229\u306e\u4e0a\u6607\u306b\u3064\u308c\u3066\u3001\u305d\u306e\u91d1\u5229\u3082\u4e0a\u6607\u3057\u307e\u3059\u3002\u4eca\u5f8c\u3001\u5fc5\u305a\u5e02\u5834\u91d1\u5229\u306f\u4e0a\u304c\u3063\u3066\u3044\u304d\u307e\u3059\u306e\u3067\u3001\u305d\u306e\u3042\u305f\u308a\u3082\u8003\u616e\u306b\u5165\u308c\u3064\u3064\u3001\u6562\u3048\u3066High Yield Saving\u3092\u9078\u3093\u3067\u304a\u304f\u3068\u3044\u3046\u306e\u3082\u5f97\u7b56\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u307e\u305f\u3001CD\u306e\u5834\u5408\u306f\u3001\u65e9\u671f\u89e3\u7d04\u3059\u308b\u3068\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u8ab2\u3055\u308c\u308b\u5834\u5408\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u3002\u305b\u3063\u304b\u304f\u306e\uff12\uff05\u306e\u91d1\u5229\u3082\u30da\u30ca\u30eb\u30c6\u30a3\u3067\u55b0\u308f\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u306a\u3089\u3001\u3084\u306f\u308aHigh Yield Saving\u306e\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4fdd\u6301\u671f\u9593\u3001\u89e3\u7d04\u306e\u53ef\u80fd\u6027\u3092\u8003\u616e\u3057\u3066\u3001CD\u304bHigh Yield Saving\u304b\u3092\u9078\u629e\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>5\u5e74\u4ee5\u4e0a\u305f\u3076\u3093\u4f7f\u308f\u306a\u3044\u306a\u3089\u30fb\u30fb\u30fb<\/h2>\n<p>\u305f\u3068\u3048\u30707\u5e74\u5f8c\u306b\u7d50\u5a5a\u25cb\u5341\u5468\u5e74\u306e\u8a18\u5ff5\u30af\u30eb\u30fc\u30ba\u306b\u884c\u304f\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306f\u4e2d\u671f\u8a08\u753b\u306b\u306a\u308a\u307e\u3059\u3002\u8a18\u5ff5\u30af\u30eb\u30fc\u30ba\u7cfb\u306e\u4e2d\u671f\u8cc7\u91d1\u306a\u3089\u3001\u5229\u7528\u307e\u3067\u306e\u671f\u9593\u306b\u3088\u308a\u3001High Yield Saving\u3001CD\u3001\u77ed\u671f\u50b5\u5238ETF\u306a\u3069\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\u3001\u4f4e\u30ea\u30b9\u30af\u3067\u904b\u55b6\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u3088\u3046\u306a\u7279\u5225\u30b1\u30fc\u30b9\u3067\u3082\u306a\u304f\u30015\u5e74\u4ee5\u5185\u306b\u4f7f\u3046\u4e88\u5b9a\u304c\u306a\u3044\u3068\u306a\u308b\u3068\u3001\u304a\u305d\u3089\u304f\u305d\u308c\u306f\u5b66\u8cc7\u3068\u304b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u306f\u3058\u3081\u3068\u3057\u305f\u5c06\u6765\u306e\u305f\u3081\u306e\u9577\u671f\u6295\u8cc7\u306b\u307e\u308f\u3057\u3066\u3082\u3088\u3044\u304a\u91d1\u306b\u306a\u308b\u5834\u5408\u304c\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u5b66\u8cc7\u3067\u3042\u308c\u3070\u3001529\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u958b\u304f\u306e\u304c\u304a\u52e7\u3081\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001529\u5916\u306e\u901a\u5e38\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u6295\u8cc7\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u5834\u5408\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306e\u3067\uff08<a href=\"http:\/\/smartandresponsible.com\/blog\/american-opport-credit\/\" >Education Tax Credit\u3092\u5229\u7528\u3059\u308b\u5834\u5408<\/a>\u306a\u3069\uff09\u3001\u5224\u65ad\u306f\u7dcf\u5408\u7684\u306b\u3057\u307e\u3059\u3002529\u3067\u306f\u3001\u5927\u5b66\u5165\u5b66\u307e\u3067\u306e\u5e74\u6570\u306b\u3088\u308a\u3068\u308c\u308b\u30ea\u30b9\u30af\u3092\u6c7a\u3081\u6295\u8cc7\u3059\u308b\u5185\u5bb9\u3092\u6c7a\u3081\u307e\u3059\u304c\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u671f\u9593\u304c\u3042\u308b\u306a\u3089\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3078\u306e\u6295\u8cc7\u3092\u542b\u3081\u308b\u3068\u3044\u3044\u3067\u3057\u3087\u3046\u3002\u671f\u9593\u304c\u77ed\u304f\u306a\u308b\u306b\u3064\u308c\u3001\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u306e\u6295\u8cc7\u6bd4\u7387\u3092\u4e0a\u3052\u307e\u3059\u3002Aged-Based Fund\u3068\u3044\u3063\u3066\u3001\u81ea\u52d5\u7684\u306b\u3053\u306e\u8abf\u6574\u3092\u3057\u3066\u304f\u308c\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u5c06\u6765\u3078\u306e\u6e96\u5099\u3067\u3042\u308c\u3070\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3092\u5229\u7528\u3057\u307e\u3057\u3087\u3046\u3002<a href=\"http:\/\/smartandresponsible.com\/blog\/401-vs-ira\/\" >401(k)\u3084403(b)<\/a>\u306a\u3069\u306e\u7d66\u6599\u5929\u5f15\u304d\u304c\u5229\u7528\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u305d\u306e\u639b\u3051\u91d1\u3092\u5897\u3084\u3057\u307e\u3059\u3002\u639b\u3051\u91d1\u3092\u5897\u3084\u3059\u3068\u624b\u53d6\u308a\u7d66\u4e0e\u304c\u5c11\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u751f\u6d3b\u8cc7\u91d1\u304c\u8db3\u308a\u306a\u304f\u306a\u3063\u305f\u3089\u3001\u9280\u884c\u306b\u3042\u308b\u304a\u91d1\u3092\u4f7f\u3044\u307e\u3059\u3002\u3053\u3046\u3059\u308b\u3053\u3068\u3067\u3001\u6240\u5f97\u7a0e\u3092\u7bc0\u7a0e\u3057\u306a\u304c\u3089\u3001\u7a0e\u9045\u5ef6\u3067\u904b\u7528\u3067\u304d\u308b\u6295\u8cc7\u53e3\u5ea7\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4eca\u9280\u884c\u306b\u3042\u308b\u304a\u91d1\u3092\u76f4\u63a5401(k)\u306b\u5165\u308c\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u306e\u3067\u3001\u639b\u3051\u91d1\u3092\u5897\u3084\u3059\u3053\u3068\u3067\u5bfe\u5fdc\u3057\u3001\u9593\u63a5\u7684\u306b\u9280\u884c\u306b\u3042\u308b\u4f59\u5270\u91d1\u3092401(k)\u3078\u79fb\u3059\u52b9\u679c\u3092\u751f\u307f\u51fa\u3059\u308f\u3051\u3067\u3059\u3002<\/p>\n<p>401(k)\u4ee5\u5916\u306b\u306f\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/ira-basics\/\" 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