{"id":2987,"date":"2014-04-15T11:15:22","date_gmt":"2014-04-15T19:15:22","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2987"},"modified":"2019-01-31T10:34:43","modified_gmt":"2019-01-31T18:34:43","slug":"select529_1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/select529_1\/","title":{"rendered":"\u5b66\u8cbb\u3092\u8caf\u3081\u308b-529\u30d7\u30e9\u30f3\u3092\u8ce2\u304f\u9078\u3076(1)"},"content":{"rendered":"<p>\u30a2\u30e1\u30ea\u30ab\u5927\u5b66\u306e\u5b66\u8cbb\uff08\u3060\u3051\u3067\u306a\u304f\u5bee\u8cbb\u3084\u3082\u308d\u3082\u308d\u306e\u7d4c\u8cbb\u3082\uff09\u306e\u9ad8\u9a30\u304c\u53eb\u3070\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u4e45\u3057\u3044\u3067\u3059\u304c\u3001\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u306e\u305f\u3081\u306e\u8caf\u84c4\u30fb\u6295\u8cc7\u30c4\u30fc\u30eb\u3067\u3042\u308b529\u30d7\u30e9\u30f3\u306e\u4eba\u6c17\u3082\u6700\u8fd1\u306b\u306a\u3063\u3066\u9ad8\u307e\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u30022013\u5e74\u306b\u306f\u3001\u5168\u7c73\u306750\u4e07\u53e3\u5ea7\u306e\u65b0\u898f\u53e3\u5ea7\u304c\u8ffd\u52a0\u3055\u308c\u7dcf\u54081,160\u4e07\u53e3\u5ea7\u306b\u3001\u5168\u7c73\u6295\u8cc7\u984d\u306f\u682a\u5f0f\u5e02\u5834\u306e\u56de\u5fa9\u3082\u3042\u3044\u307e\u3063\u3066\u3001$36.4\u30d3\u30ea\u30aa\u30f3\u5897\u3048$227.1\u30d3\u30ea\u30aa\u30f3\u307e\u3067\u6210\u9577\u3057\u307e\u3057\u305f\u3002\u53e3\u5ea7\u3042\u305f\u308a\u306e\u6295\u8cc7\u6b8b\u9ad8\u3082\u3001\u904e\u53bb\u6700\u9ad8\u306e$19,584\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u306e\u4e00\u65b9\u3067\u3001\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u3092\u8caf\u3081\u3066\u3044\u308b\u89aa\u306e\u3046\u3061\u3001529\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u306e\u306f\u3001\u307b\u307c1\/4\u306b\u904e\u304e\u306a\u3044\u3068\u3044\u3046\u30c7\u30fc\u30bf\u3082\u3042\u308a\u3001529\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u306e\u306b\u3001\u307e\u3060\u305d\u3046\u3057\u3066\u3044\u306a\u3044\u89aa\u3082\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u7269\u8a9e\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>2019\u5e74\u6539\u5b9a\u7248\u304c\u3053\u3061\u3089\u306b\u3042\u308a\u307e\u3059\uff1a<a href=\"http:\/\/: https:\/\/smartandresponsible.com\/blog\/529_2019_1\/\" >\u5b66\u8cbb\u3092\u8caf\u3081\u308b-529\u30d7\u30e9\u30f3\u3092\u8ce2\u304f\u9078\u3076(1) 2019\u5e74\u6539\u5b9a\u7248<\/a><\/h2>\n<p>\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u904e\u53bb\u306b\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u306b\u95a2\u9023\u3057\u3066\u591a\u304f\u306e\u8a18\u4e8b\u3092\u63b2\u8f09\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u4e00\u90e8\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3068\u3002\u3002\u3002<\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/college-cost-chart\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30a2\u30e1\u30ea\u30ab\u5927\u5b66\u306e\u5b66\u8cbb\u3000-\u3000\u5927\u5b66\u5225\u30b3\u30b9\u30c8\u4e00\u89a7\u8868\u3000\u3000<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/college-roi\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u5927\u5b66\u306b\u884c\u3063\u3066\u30e2\u30c8\u304c\u3068\u308c\u308b\u304b\u3000-\u3000\u5927\u5b66\u3063\u3066\u3044\u3044\u6295\u8cc7\uff1f\u3000<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/starting-pay-by-college\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u884c\u304f\u5927\u5b66\u306b\u3088\u3063\u3066\u521d\u4efb\u7d66\u3069\u306e\u304f\u3089\u3044\u9055\u3046\uff1f\u3000<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/salary-by-major\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u5927\u5b66\u3067\u4f55\u3092\u5c02\u653b\u3059\u308b\u304b\u3067\u3001\u7d66\u6599\u3063\u3066\u3069\u306e\u304f\u3089\u3044\u9055\u3046\uff1f\u3000<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/price-of-college-education\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30a2\u30e1\u30ea\u30ab\u5927\u5b66\u306e\u5b66\u8cbb\u3000\u2013\u3000\u3044\u3063\u305f\u3044\u3044\u304f\u3089\u304b\u304b\u308b\u306e\u304b\uff1f<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/college-financia-aid\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30a2\u30e1\u30ea\u30ab\u306e\u5927\u5b66\u3000\u2013\u3000\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u7814\u7a76<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/maximizing-financial-aid-min-efc\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u591a\u304f\u3082\u3089\u3046\u3000-\u3000EFC\u306e\u6700\u5c0f\u5316<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/fin-aid-max-strateg\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9-\u5408\u683c\u901a\u77e5\u304c\u6765\u3066\u304b\u3089\u306e\u5fc3\u5f97<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-save-for-college-roth-529\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u3092\u8caf\u3081\u308b\uff08\uff11\uff09\u3000\uff0d\u3000Roth-IRA \u3068 \uff15\uff12\uff19<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-save-for-college2\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u3092\u8caf\u3081\u308b\uff082\uff09\u3000\uff0d\u3000beyond Roth-IRA and 529<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/401-529-fee\/\"  target=\"_blank\" rel=\"noopener noreferrer\">401(k)\u3082529\u3082\u3001\u30af\u30bb\u30e2\u30ce\u624b\u6570\u6599\u306b\u3054\u6ce8\u610f\uff01<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/how-much-student-loan\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30b9\u30c1\u30e5\u30fc\u30c7\u30f3\u30c8\u30fb\u30ed\u30fc\u30f3\u3000-\u3000\u3069\u306e\u304f\u3089\u3044\u501f\u308a\u3066\u3082OK\u306a\u306e\uff1f<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/studentloan\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u5b66\u8cc7\u30ed\u30fc\u30f3\u3000- \u4eba\u751f\u3092\u300c\u8d64\u300d\u304b\u3089\u306f\u3058\u3081\u308b\u5927\u5909\u3055<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/american-opport-credit\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u6559\u80b2\u8cbb\u3067\u53d7\u3051\u308b\u7a0e\u512a\u9047 \u305d\u306e\uff11\u3000-\u3000American Opportunity Credit<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/lifetime-learning-credit\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u6559\u80b2\u8cbb\u306b\u5bfe\u3059\u308b\u7a0e\u512a\u9047\u3000\u305d\u306e\uff12\u3000\u2013\u3000Lifetime Learning Credit<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/pay-college-survey\/\"  target=\"_blank\" rel=\"noopener noreferrer\">\u307f\u3093\u306a\u3069\u3046\u3084\u3063\u3066\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u3000\u6255\u3063\u3066\u3044\u308b\u306e\uff1f<\/a><\/p>\n<p>\u4e0a\u306e\u30ea\u30b9\u30c8\u3092\u898b\u3066\u3082\u308f\u304b\u308b\u3088\u3046\u306b\u3001\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u5bfe\u7b56\u306f529\u30d7\u30e9\u30f3\u3060\u3051\u304c\u30df\u30bd\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u591a\u304f\u306e\u4eba\u306b\u3068\u3063\u3066529\u30d7\u30e9\u30f3\u306f\u8003\u616e\u306b\u5024\u3059\u308b\u30c4\u30fc\u30eb\u3060\u3068\u3044\u3046\u3053\u3068\u306f\u8a00\u3048\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u4eca\u56de\u306f\u3001\u3069\u3046529\u30d7\u30e9\u30f3\u3092\u9078\u3073\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u6e96\u5099\u3092\u59cb\u3081\u308c\u3070\u3088\u3044\u306e\u304b\uff65\uff65\u3068\u3044\u3046\u3068\u3053\u308d\u306b\u7126\u70b9\u3092\u5f53\u3066\u30012\u56de\u306b\u5206\u3051\u3066\u898b\u3066\u3044\u304d\u307e\u3059\u3002\u3053\u306e529\u30d7\u30e9\u30f3\u6d3b\u7528\u7b56\u306fStep 0\u304b\u3089Step 6\u307e\u3067\u306e\uff17\u6bb5\u968e\u306b\u307e\u3068\u3081\u3066\u3044\u304d\u307e\u3059\u304c\u30011\u56de\u76ee\u306fStep 0\u304b\u3089Step 2\u307e\u3067\u306e\u57fa\u790e\uff13\u6bb5\u968e\u3092\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Step 0\uff1a\u307e\u305a\u306f\u30d9\u30fc\u30b7\u30c3\u30af\u304b\u3089<\/b><\/h2>\n<p>529\u30d7\u30e9\u30f3\u306e529\u306f\u3001IRS\u30b3\u30fc\u30c9529\uff08\u7a0e\u6cd5529\u9805\u306e\u3088\u3046\u306a\u611f\u3058\u3067\u3059\uff09\u306b\u57fa\u3065\u3044\u3066\u3064\u304f\u3089\u308c\u305f\u9ad8\u7b49\u6559\u80b2\u306e\u305f\u3081\u306e\u8cc7\u91d1\u904b\u7528\u30d7\u30e9\u30f3\u3067\u3059\u3002\u3044\u308d\u3044\u308d\u306a529\u30d7\u30e9\u30f3\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u57fa\u672c\u306f\u4ee5\u4e0b\u306e\u3068\u304a\u308a\u3002<\/p>\n<ul>\n<li>\u5404\u5dde\u304c\u3001\u305d\u308c\u305e\u308c\u306e\u9078\u3076\u91d1\u878d\u4f1a\u793e\u3092\u901a\u3057\u3066\u904b\u55b6\u3057\u3066\u3044\u308b\u3002<\/li>\n<li>\u3072\u3068\u3064\u306e\u5dde\u3067\u3044\u304f\u3064\u304b\u306e529\u30d7\u30e9\u30f3\u304c\u5b58\u5728\u3059\u308b\u3053\u3068\u304c\u3042\u308b\u3002<\/li>\n<li>\u81ea\u5206\u306e\u5dde\u4ee5\u5916\u306e529\u30d7\u30e9\u30f3\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u3002<\/li>\n<li>\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306f\u3001<a target=\"_blank\" href=\"http:\/\/www.savingforcollege.com\/eligible_institutions\/index.php?\" ><span style=\"font-size: medium;\">Federal School Code\u306b\u767b\u9332\u3055\u308c\u3066\u3044\u308b\u5b66\u6821<\/span><\/a>\u3067\u3042\u308c\u3070\u3001\u3069\u3053\u306e\u5b66\u6821\uff08\u6d77\u5916\u306e\u5b66\u6821\u3082\u3042\u308a\u3002\u305f\u3060\u3057\u65e5\u672c\u306f\u4eca\u306e\u3068\u3053\u308d\u5bfe\u8c61\u5916\uff09\u306e\u8cbb\u7528\u306b\u3082\u4f7f\u3048\u308b\u3002<\/li>\n<li>529\u30d7\u30e9\u30f3\u306e\u4e2d\u306b\u306f\u3001Prepaid\u30d7\u30e9\u30f3(\u7279\u5b9a\u306e\u5927\u5b66\u306b\u3044\u304f\u3053\u3068\u3092\u524d\u63d0\u306b\u6388\u696d\u6599\u3092\u524d\u6255\u3044\u3059\u308b\u3082\u306e)\u3068Saving\u30d7\u30e9\u30f3\uff08Federal School Code\u767b\u9332\u6821\u306a\u3089\u3069\u3053\u306e\u6388\u696d\u6599\u306b\u3082\u4f7f\u3048\u308b\u3082\u306e\uff09\u304c\u3042\u308b\u3002\u4e00\u822c\u7684\u306b529\u30d7\u30e9\u30f3\u3068\u3044\u3046\u3068\u5f8c\u8005\u3092\u6307\u3059\u3053\u3068\u304c\u591a\u3044\u3002\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u3001\u4ee5\u4e0b\u3001Saving\u30d7\u30e9\u30f3\u3092\u524d\u63d0\u306b\u8a18\u4e8b\u3092\u66f8\u304d\u9032\u3081\u307e\u3059\u3002<\/li>\n<li>\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306f\u3001\u7a0e\u9045\u5ef6\u3067\u904b\u7528\u3055\u308c\u3001\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u306b\u4f7f\u3046\u9650\u308a\u7a0e\u91d1\u304c\u304b\u304b\u3089\u306a\u3044\u307e\u307e\u4f7f\u3048\u308b\u3002<\/li>\n<li>\u5dde\u306b\u3088\u3063\u3066\u306f\u3001529\u30d7\u30e9\u30f3\u3078\u306e\u7a4d\u307f\u7acb\u3066\u91d1\u306b\u5bfe\u3057\u3066\u5dde\u306e\u6240\u5f97\u7a0e\u63a7\u9664\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002<\/li>\n<li>529\u30d7\u30e9\u30f3\u306e\u4e2d\u306b\u306f\u3001Advisor-sold\uff08\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u901a\u3057\u3066\u6295\u8cc7\u3059\u308b\uff09\u306e\u3082\u306e\u3068Direct-sold(\u81ea\u5206\u3067\u76f4\u63a5\u6295\u8cc7\u3059\u308b)\u306e\u3082\u306e\u304c\u3042\u308b\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Step 1:\u3000\u81ea\u5206\u306e\u5dde\u306e\u7a0e\u512a\u9047\u3092\u8abf\u3079\u308b<\/b><\/h2>\n<p>\u4e0a\u3067\u66f8\u3044\u305f\u3068\u304a\u308a\u3001\u79c1\u305f\u3061\u306f\u81ea\u5206\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u4ee5\u5916\u306b\u3082\u4ed6\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u81ea\u5206\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u9078\u3093\u3060\u5834\u5408\u3001\u5dde\u306e\u6240\u5f97\u7a0e\u3067\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u5dde\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u5dde\u7a0e\u306e\u512a\u9047\u63aa\u7f6e\u3092\u3081\u3050\u3063\u3066\u306f\u3001\uff14\u30bf\u30a4\u30d7\u306e\u5dde\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3054\u81ea\u5206\u306e\u5dde\u304c\u3069\u306e\u30bf\u30a4\u30d7\u304b\u628a\u63e1\u3059\u308b\u3053\u3068\u304cStep1\u3067\u3059\u3002\uff14\u30bf\u30a4\u30d7\u3068\u306f\uff1a<\/p>\n<p><strong>a)\u00a0\u00a0\u00a0 \u81ea\u5206\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3078\u306e\u7a4d\u307f\u7acb\u3066\u306b\u5bfe\u3057\u3001\u81ea\u5dde\u306e\u6240\u5f97\u7a0e\u3067\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u5dde<\/strong>\u3000\uff1a\u3000\u305f\u3068\u3048\u3070\u3001\u30a4\u30ea\u30ce\u30a4\u5dde\u306e\u5834\u5408\u3001\u592b\u5a66\u3067$20,000\u307e\u3067\u306e529\u30d7\u30e9\u30f3\u3078\u306e\u7a4d\u307f\u7acb\u3066\u304c\u5dde\u7a0e\u63a7\u9664\u5bfe\u8c61\uff08deductible\uff09\u3068\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u305f\u3068\u3048\u3070\u5dde\u7a0e\u7387\u304c\uff15\uff05\u3060\u3063\u305f\u3068\u3059\u308b\u3068\u3001$20,000\u3092529\u306b\u5165\u308c\u308b\u3068$1,000\u5206\u7a0e\u91d1\u304c\u5c11\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u512a\u9047\u63aa\u7f6e\u306b\u306a\u308a\u307e\u3059\u3002\u30a4\u30f3\u30c7\u30a3\u30a2\u30ca\u5dde\u3067\u306f\u3001$5,000\u307e\u3067\u306e\u7a4d\u307f\u7acb\u3066\u306b\u5bfe\u3057\u306620\uff05\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u304b\u3089\u3001$5,000\u7a4d\u307f\u7acb\u3066\u308b\u3068$1,000\u5206\u7a0e\u91d1\u304c\u524a\u6e1b\u3067\u304d\u308b\u3068\u3044\u3046\u512a\u9047\u63aa\u7f6e\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u512a\u9047\u63aa\u7f6e\u306f\u5dde\u304b\u3089\u3082\u3089\u3048\u308b\u30d5\u30ea\u30fc\u30de\u30cd\u30fc\u3067\u3059\u304b\u3089\u3001\u3053\u306e\u5834\u5408\u306b\u306f\u81ea\u5dde(own state)\u306e529\u30d7\u30e9\u30f3\u3092\u305c\u3072\u691c\u8a0e\u3055\u308c\u308b\u3079\u304d\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u3059\u3079\u3066\u306e\u304a\u91d1\u3092\u512a\u9047\u63aa\u7f6e\u306e\u3042\u308b\u81ea\u5dde\u306e529\u30d7\u30e9\u30f3\u306b\u5165\u308c\u308b\u524d\u306b\u3001\u5c11\u3005\u541f\u5473\u3082\u5fc5\u8981\u3067\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u541f\u5473\u306b\u3064\u3044\u3066\u306fStep2\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>b)\u00a0\u00a0\u00a0 \u3069\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u306b\u7a4d\u307f\u7acb\u3066\u3066\u3082\u3001\u81ea\u5dde\u306e\u6240\u5f97\u7a0e\u3067\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u5dde\u3000<\/strong>\uff1a\u3000\u30da\u30f3\u30b7\u30eb\u30d0\u30cb\u30a2\u3084\u30e1\u30a4\u30f3\u306a\u3069\u306e\u3088\u3046\u306b\u3001\u3069\u3053\u306e\u5dde(any state)\u306e529\u30d7\u30e9\u30f3\u306b\u7a4d\u307f\u7acb\u3066\u3066\u3082\u3001\u7a4d\u307f\u7acb\u3066\u984d\u304c\u81ea\u5dde\u306e\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308b\u3068\u3044\u3046\u3001\u61d0\u306e\u5e83\u3044\u5dde\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u3061\u3089\u306f\u3001\u81ea\u5dde\u306e\u30d7\u30e9\u30f3\u306b\u52a0\u3048\u3069\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3067\u3082\u81ea\u7531\u306b\u9078\u629e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002Step 3\u3078\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>c)\u00a0\u00a0\u00a0 \u6240\u5f97\u7a0e\u81ea\u4f53\u304c\u306a\u3044\u5dde\u3000<\/strong>\uff1a\u3000\u3046\u3089\u3084\u307e\u3057\u3044\u3053\u3068\u306b\u5dde\u306e\u6240\u5f97\u7a0e\u304c\u30bc\u30ed(no personal income tax)\u3068\u3044\u3046\u5dde\u304c\u3042\u308a\u307e\u3059\u3002\u30d5\u30ed\u30ea\u30c0\u3084\u30cd\u30d0\u30c0\u306a\u3069\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u30e9\u30c3\u30ad\u30fc\u306a\u5dde\u306b\u304a\u4f4f\u307e\u3044\u306e\u65b9\u306f\u3001\u305d\u3082\u305d\u3082\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308b\u3088\u3046\u306a\u6240\u5f97\u7a0e\u3092\u6255\u3046\u5fc5\u8981\u304c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u306e\u3067\u3001\u7d50\u679c\u3068\u3057\u3066\u81ea\u5dde\u306e\u30d7\u30e9\u30f3\u306b\u52a0\u3048\u3069\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3067\u3082\u81ea\u7531\u306b\u9078\u629e\u3057\u3066\u3044\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002Step3\u3078\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>d)\u00a0\u00a0\u00a0 \u6240\u5f97\u7a0e\u306f\u3042\u308b\u304c\u512a\u9047\u63aa\u7f6e\u306e\u306a\u3044\u5dde\u3000<\/strong>\uff1a\u3000\u3053\u308c\u304c\u4e00\u756a\u60b2\u3057\u3044\u30b1\u30fc\u30b9\u3067\u3059\u3067\u304c\u3001\u79c1\u306e\u4f4f\u3080\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306f\u3053\u306e\u4f8b\u3067\u3059\u3002\u6240\u5f97\u7a0e\u306f\u3057\u3063\u304b\u308a\u3068\u3089\u308c\u308b\u304c\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306e529\u30d7\u30e9\u30f3\u306b\u7a4d\u307f\u7acb\u3066\u305f\u3068\u3053\u308d\u3067\u4f55\u306e\u512a\u9047\u3082\u306a\u3044\u5dde\u3067\u3059\u3002\u81ea\u5dde\u306e\u30d7\u30e9\u30f3\u3060\u308d\u3046\u304c\u4ed6\u5dde\u306e529\u30d7\u30e9\u30f3\u3060\u308d\u3046\u304c\u3001\u3069\u3046\u305b\u512a\u9047\u63aa\u7f6e\u306f\u306a\u3044\u306e\u3067\u3069\u306e\u5dde\u306e\u30d7\u30e9\u30f3\u3067\u3082\u81ea\u7531\u306b\u9078\u629e\u3057\u307e\u3059\u3002Step3\u3078\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><a target=\"_blank\" href=\"http:\/\/www.savingforcollege.com\/compare_529_plans\/index.php?plan_question_ids%5B%5D=437&amp;mode=Compare&amp;page=compare_plan_questions&amp;plan_type_id=\" >\u3053\u3061\u3089\u306e\u8868<\/a>\u3067\u3001\u3054\u81ea\u5206\u306e\u5dde\u304c\u3069\u306e\u30bf\u30a4\u30d7\u306b\u5c5e\u3059\u308b\u304b\u8abf\u3079\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\u305d\u308c\u305e\u308c\u306e\u5dde\u3067\u8907\u6570\u306e529\u30d7\u30e9\u30f3\u304c\u3042\u308b\u5834\u5408\u3082\u591a\u3044\u3067\u3059\u304c\u3001\u5404\u5dde\u30ec\u30d9\u30eb\u3067\u306e\u6240\u5f97\u7a0e\u3084\u512a\u9047\u63aa\u7f6e\u306b\u3064\u3044\u3066\u306e\u8a73\u7d30\u304c\u78ba\u8a8d\u3067\u304d\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/04\/529-deductibility.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2992\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/04\/529-deductibility.gif?resize=429%2C436&#038;ssl=1\" alt=\"529 deductibility\" width=\"429\" height=\"436\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Step 2\uff1a\u81ea\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u541f\u5473\u3059\u308b<\/b><\/h2>\n<p>\u4e0a\u3067\u30bf\u30a4\u30d7a)\u306e\u5dde\u306b\u304a\u4f4f\u307e\u3044\u306e\u65b9\u306f\u3001\u307e\u305a\u306f\u81ea\u5206\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u541f\u5473\u3057\u307e\u3059\u3002\u7a0e\u91d1\u306e\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u304b\u3089\u3068\u3044\u3063\u3066\u3001\u3084\u307f\u304f\u3082\u306b\u81ea\u5dde\u306e\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u3053\u3068\u306f\u30d9\u30b9\u30c8\u3067\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u304b\u3089\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001529\u30d7\u30e9\u30f3\u306e\u6295\u8cc7\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u60aa\u3059\u304e\u308b\u5834\u5408\u3084\u3001\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599(Fee &amp; Expense)\u306e\u9ad8\u3059\u304e\u308b\u5834\u5408\u306a\u3069\u306f\u3001\u7a0e\u512a\u9047\u3092\u6562\u3048\u3066\u9003\u3057\u3066\u3067\u3082\u3001\u4ed6\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u9078\u3093\u3060\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3068\u304f\u306b\u554f\u984c\u306f\u5f8c\u8005\u306e\u624b\u6570\u6599(Fee &amp; Expense)\u3067\u3059\uff08\u624b\u6570\u6599\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u306f<a href=\"http:\/\/smartandresponsible.com\/blog\/mutual-fund-fee2\/\" >\u3053\u3061\u3089\u3092\u3054\u53c2\u8003\u306b<\/a>\uff09\u3002\u624b\u6570\u6599\u306f\u6295\u8cc7\u5229\u56de\u308a\u3092\u76f4\u63a5\u7684\u306b\u6e1b\u3089\u3057\u307e\u3059\u304b\u3089\u3001\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u624b\u6570\u6599\u304c0.5\uff05\u3092\u8d85\u3048\u305f\u3089\u8981\u6ce8\u610f\u3068\u8003\u3048\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u624b\u6570\u6599\u3068\u6295\u8cc7\u6210\u7e3e\u306b\u306f\u307b\u307c\u76f8\u95a2\u304c\u306a\u3044\uff08\u9ad8\u3044\u624b\u6570\u6599\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u3001\u5fc5\u305a\u3057\u3082\u3088\u308a\u3088\u3044\u6295\u8cc7\u6210\u7e3e\u3092\u53ce\u3081\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u306a\u3044\uff09\u5834\u5408\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u306e\u3067\u3001\u624b\u6570\u6599\u306f\u4f4e\u3051\u308c\u3070\u4f4e\u3044\u307b\u3046\u304c\u3088\u3044\u3068\u3044\u3048\u307e\u3059\u3002<a target=\"_blank\" href=\"http:\/\/www.savingforcollege.com\/529_fee_study\/index.php\" >\u3053\u3061\u3089\u306e\u8868<\/a>\u3067\u3001\u5404\u5dde\u306e529\u30d7\u30e9\u30f3\u306e\u624b\u6570\u6599\u304c\u6bd4\u8f03\u3067\u304d\u307e\u3059\u3002<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/04\/529-fee.gif?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2991\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2014\/04\/529-fee.gif?resize=417%2C414&#038;ssl=1\" alt=\"529 fee\" width=\"417\" height=\"414\" 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