{"id":2995,"date":"2014-04-22T11:14:40","date_gmt":"2014-04-22T19:14:40","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=2995"},"modified":"2019-01-31T10:45:01","modified_gmt":"2019-01-31T18:45:01","slug":"select529_2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/select529_2\/","title":{"rendered":"\u5b66\u8cbb\u3092\u8caf\u3081\u308b-529\u30d7\u30e9\u30f3\u3092\u8ce2\u304f\u9078\u3076(2)"},"content":{"rendered":"

\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\u304a\u5c4a\u3051\u3057\u3066\u3044\u307e\u3059\u3002\u4eca\u56de\u306f2\u56de\u76ee\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\u3057\u305f\u30022\u56de\u76ee\u306e\u4eca\u56de\u306f\u3001Step 3\u304b\u3089Step 6\u307e\u3067\u306e\u5b9f\u884c\u6bb5\u968e\u3092\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002Step 3\u306f\u3001\u81ea\u5dde\u306e529\u30d7\u30e9\u30f3\u3060\u3051\u3067\u306f\u306a\u304f\u30a2\u30e1\u30ea\u30ab50\u5dde\u306e\u3059\u3079\u3066\u306e529\u30d7\u30e9\u30f3\u306b\u9078\u629e\u5bfe\u8c61\u3092\u5e83\u3052\u308b\u65b9\u3092\u5bfe\u8c61\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

2019\u5e74\u6539\u5b9a\u7248\u304c\u3053\u3061\u3089\u306b\u3042\u308a\u307e\u3059\uff1a\u5b66\u8cbb\u3092\u8caf\u3081\u308b-529\u30d7\u30e9\u30f3\u3092\u8ce2\u304f\u9078\u3076(\uff12) 2019\u5e74\u6539\u5b9a\u7248<\/a><\/h2>\n

 <\/p>\n

Step 3\uff1a\u3069\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u304b<\/b><\/h2>\n

\u81ea\u5dde\u3060\u3051\u3067\u306a\u304f\u3069\u3053\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3057\u3066\u3082\u3088\u3044\uff65\uff65\uff65\u3068\u8a00\u308f\u308c\u3066\u3082\u3001\u304b\u3048\u3063\u3066\u56f0\u60d1\u3057\u3066\u3057\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u65b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u306a\u3093\u3066\u3063\u305f\u3066\u30a2\u30e1\u30ea\u30ab50\u5dde\u3001\u5168\u90e8\u306e529\u30d7\u30e9\u30f3\u306a\u3069\u541f\u5473\u3057\u3066\u3044\u3089\u308c\u307e\u305b\u3093\u3002\u305d\u3093\u306a\u5834\u5408\u306f\u3001\u3053\u3061\u3089\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u8868<\/a>\u3092\u53c2\u8003\u306b\u3055\u308c\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\"529<\/a><\/p>\n

\u3053\u306e\u8868\u306fsavingforcollege.com\u304c\u5404\u5dde\u306e529\u30d7\u30e9\u30f3\u306b\u5bfe\u3059\u308b\u8a55\u4fa1\u3092\u307e\u3068\u3081\u305f\u3082\u306e\u3067\u3001\u6295\u8cc7\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3001\u624b\u6570\u6599\u306a\u3069\u306e\u30b3\u30b9\u30c8\u3001\u6295\u8cc7\u30d7\u30e9\u30f3\u306e\u7279\u5fb4\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u4fe1\u983c\u6027\u306a\u3069\u306e\u6307\u6a19\u3092\u4f7f\u3044\u7dcf\u5408\u70b9\u3092\uff15Cap\u6e80\u70b9\u3067\u8868\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u5de6\u306e\u5217\u304c\u305d\u306e\u5dde\u306e\u5dde\u6c11\u306b\u3068\u3063\u3066\u306e\u8a55\u4fa1\u3001\u53f3\u5074\u306e\u5217\u304c\u305d\u306e\u5dde\u4ee5\u5916\u306b\u4f4f\u3093\u3067\u3044\u308b\u4eba\u306b\u3068\u3063\u3066\u306e\u8a55\u4fa1\u3067\u3059\u3002\u524d\u8a18\u306e\u5dde\u7a0e\u306e\u512a\u9047\u63aa\u7f6e\u3084\u305d\u306e\u4ed6\u5dde\u6c11\u5bfe\u8c61\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u3042\u308b\u3068\u3001\u5dde\u6c11\u8a55\u4fa1\u304c\u3088\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002advisor-sold\u3068\u66f8\u3044\u3066\u3042\u308b\u306e\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u901a\u3057\u3066\u8cb7\u3046\u30d7\u30e9\u30f3\u3067\u3059\u3002\u8868\u8a18\u304c\u306a\u3044\u306e\u306fdirect-sod\u3068\u3044\u3063\u3066\u81ea\u5206\u3067\u76f4\u63a5\u7a4d\u307f\u7acb\u3066\u308b\u30d7\u30e9\u30f3\u3067\u3059\u3002savingforcollege.com\u3067\u306f\u3001advisor-sold\u3068direct-sold\u3068\u306f\u305d\u308c\u305e\u308c\u7570\u306a\u308b\u8a55\u4fa1\u57fa\u6e96\u3067\u8a55\u4fa1\u3057\u3066\u3044\u307e\u3059\u306e\u3067\u3001advisor-sold\u306f\u4ed6\u306eadvisor-sold\u3068\u306e\u6bd4\u8f03\u3001direct-sold\u306f\u4ed6\u306edirect-sold\u3068\u306e\u6bd4\u8f03\u306b\u306f\u9069\u3057\u3066\u3044\u307e\u3059\u304c\u3001advisor-sold\u3068direct-sold\u3092\u6df7\u5408\u3057\u3066\u6bd4\u8f03\u3059\u308b\u306e\u306f\u3075\u3055\u308f\u3057\u304f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u6ce8\u610f\u304f\u3060\u3055\u3044\u3002\u3053\u306e\u8868\u3067\u306f\u3001\uff14cap\u4ee5\u4e0a\u3001\u3067\u304d\u308c5cap\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u9078\u3076\u3068\u5b89\u5fc3\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306eadvisor-sold\u3068direct-sold\u306b\u3064\u3044\u3066\u5c11\u3005\u52a0\u7b46\u3044\u305f\u3057\u307e\u3059\u3002\u5dde\u306b\u3088\u3063\u3066\u306f\u3001\u3053\u306e\u3069\u3061\u3089\u304b\u3057\u304b\u63d0\u4f9b\u3057\u3066\u3044\u306a\u304b\u3063\u305f\u308a\u3001\u3053\u306e\u3069\u3061\u3089\u3082\u63d0\u4f9b\u3057\u3066\u3044\u305f\u308a\u3057\u307e\u3059\u3002advisor-sold\u3092\u9078\u3093\u3060\u5834\u5408\u3001529\u30d7\u30e9\u30f3\u306e\u9078\u629e\u3068\u904b\u7528\u306b\u3042\u305f\u3063\u3066\u3055\u307e\u3056\u307e\u30b3\u30f3\u30b5\u30eb\u30c6\u30fc\u30b7\u30e7\u30f3\u3084\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u53d7\u3051\u3089\u308c\u308b\u4e00\u65b9\u3067\u3001\u305d\u308c\u306b\u5bfe\u3057\u3066\u306e\u6599\u91d1\u3092\u306a\u3093\u3089\u304b\u306e\u5f62\u3067\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u652f\u6255\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u6599\u91d1\u306fsales load<\/a>\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u306e\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c8\u3092\u5fb4\u53ce\u3055\u308c\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u4e0a\u8a18\u3067\u66f8\u3044\u305f\u624b\u6570\u6599\uff08Fee & Expense\uff09\u306e\u4e00\u90e8\u3068\u3057\u3066\u5fb4\u53ce\u3055\u308c\u308b\uff08\u7d50\u679c\u3068\u3057\u3066\u3053\u308c\u3089\u306e\u8cb7\u3044\u65b9\u3092\u3059\u308b529\u30d7\u30e9\u30f3\u306f\u3001\u624b\u6570\u6599\u306e\u9ad8\u3044\u5834\u5408\u304c\u591a\u304f\u3001\u6700\u4f4e\u3067\u30821.00\uff05\u5f31\u3001\u9ad8\u3044\u30681.80\uff05\u307b\u3069\uff09\u3053\u3068\u3067\u3001529\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3059\u308b\u9650\u308a\u7d99\u7d9a\u7684\u306b\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30b3\u30f3\u30b5\u30eb\u30c6\u30fc\u30b7\u30e7\u30f3\u3084\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u7d99\u7d9a\u7684\u306b\u5fc5\u8981\u3068\u3057\u3001\u305d\u308c\u3089\u306b\u6e80\u8db3\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u6255\u3046\u4fa1\u5024\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305f\u3063\u305f\u4e00\u5ea6\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u3066\u7d99\u7d9a\u7684\u306b\u6599\u91d1\u3092\u652f\u6255\u3046\u306e\u306f\u8151\u306b\u843d\u3061\u306a\u3044\u3068\u601d\u308f\u308c\u308b\u5834\u5408\u306f\u3001direct-sold\u306e\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u3082\u3046\u3072\u3068\u3064\u3001529\u30d7\u30e9\u30f3\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u8868\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u3053\u3061\u3089\u306fMorning Star\u793e\u304c\u767a\u884c\u3057\u3066\u3044\u308b\u3082\u306e\u3067\u3059<\/a>\u3002\u5404\u5dde\u306e\u30d7\u30e9\u30f3\u3092Gold\u3001Silver\u3001Bronze\u3001Neutral\u3001Negative\u306e\uff15\u30e9\u30f3\u30af\u306b\u5206\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n

\"529<\/a><\/p>\n

\u3053\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u8868\u3067\u306f\u3001\u4e0a\u8a18\u306b\u3042\u308bGold\u304bSilver\uff08\u4e0a\u56f3\u306fGold \u3068Silver\u3060\u3051\u306e\u629c\u7c8b\u3067\u3059\uff09\u306b\u5165\u3063\u3066\u3044\u308b\u3082\u306e\u3092\u9078\u3073\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002Silver\u306bAdvisor-sold\u304c\uff12\u30d7\u30e9\u30f3\u5165\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u3082Advisor-sold\u304c\u3069\u3046\u3057\u3066\u3082\u5fc5\u8981\u306a\u5834\u5408\u306b\u3001Advisor-sold\u306e\u30d7\u30e9\u30f3\u306e\u4e2d\u304b\u3089\u9078\u3076\u3068\u3059\u308c\u3070\u3001\u3053\u308c\u3089\u306e\uff12\u30d7\u30e9\u30f3\u304c\u9069\u5207\u3067\u3042\u308b\u3068\u3044\u3046\u6355\u3089\u3048\u65b9\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u7121\u99c4\u306a\u624b\u6570\u6599\u3092\u304b\u3051\u306a\u304f\u306a\u3044\u5834\u5408\u306f\u3001Direct-sold\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002<\/p>\n

Advisor-sold\u3092\u9078\u3073\u7d99\u7d9a\u7684\u306b\u624b\u6570\u6599\u3092\u6255\u3046\u3053\u3068\u306f\u3057\u305f\u304f\u306a\u3044\u304c\u3001\u304b\u3068\u3044\u3063\u3066\u5b8c\u5168\u306b\u81ea\u5206\u3067\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u306e\u3082\u96e3\u3057\u3044\u3068\u3044\u3046\u5834\u5408\u306b\u306f\u3001\u9078\u629e\u6642\u3060\u3051\u306e\u6709\u6599\u30b3\u30f3\u30b5\u30eb\u30c6\u30fc\u30b7\u30e7\u30f3\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002Smart & Responsible\u3067\u306f\u3001\u6642\u9593\u30c1\u30e3\u30fc\u30b8\u3067direct-sold\u30d7\u30e9\u30f3\u306e\u9078\u629e\u306e\u3054\u76f8\u8ac7\u3092\u627f\u3089\u305b\u3066\u3044\u305f\u3060\u3044\u3066\u3044\u307e\u3059\u3002\u3054\u5229\u7528\u304f\u3060\u3055\u3044\u3002<\/a><\/p>\n

 <\/p>\n

Step 4\uff1a529\u30d7\u30e9\u30f3\u3092\u6c7a\u3081\u305f\u3089\u3001\u305d\u306e\u4e2d\u306e\u6295\u8cc7\u30d7\u30e9\u30f3\u3092\u6c7a\u3081\u308b<\/b><\/h2>\n

\u3053\u306e\u6642\u70b9\u3067\u3001\u3069\u306e\u5dde\u306e\u3069\u306e529\u30d7\u30e9\u30f3\u306b\u6295\u8cc7\u3092\u3059\u308b\u304b\u6c7a\u307e\u308a\u307e\u3057\u305f\u3002\u6b21\u306f\u3001\u305d\u306e529\u30d7\u30e9\u30f3\u306e\u4e2d\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3044\u304f\u3064\u304b\u306e\u6295\u8cc7\u30d7\u30e9\u30f3\u306e\u3046\u3061\u6700\u9069\u306a\u3082\u306e\u3092\u9078\u3076\u4f5c\u696d\u304c\u5fc5\u8981\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001401k\u3084IRA\u306a\u3069\u306e\u4e2d\u306e\u6295\u8cc7\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u306e\u3068\u540c\u3058\u4f5c\u696d\u3067\u3059\u3002\u5b9f\u969b\u306b\u305d\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u306eWeb\u30b5\u30a4\u30c8\u306b\u884c\u304d\u3001\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u30d7\u30e9\u30f3\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u304b\u8a73\u3057\u304f\u898b\u3066\u307f\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002529\u30d7\u30e9\u30f3\u306e\u540d\u79f0\u304c\u308f\u304b\u3063\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u540d\u79f0\u3067google\u691c\u7d22\u3059\u308b\u306e\u304c\u4e00\u756a\u7c21\u5358\u3067\u3059\u3002<\/p>\n

\u540d\u79f0\u304c\u308f\u304b\u3089\u306a\u3044\u5834\u5408\u306f\u3001\u3053\u3061\u3089\u306e\u30b5\u30a4\u30c8<\/a>\u304b\u3089\u8a72\u5f53\u306e\u5dde\u3092\u9078\u629e\u3059\u308b\u3068\u305d\u306e\u5dde\u306e529\u30d7\u30e9\u30f3\u30ea\u30b9\u30c8\u304c\u51fa\u3066\u304d\u307e\u3059\u306e\u3067\u3001Plan Detail\u3068\u3044\u3046\u30dc\u30bf\u30f3\u3092\u9078\u3073\u8a73\u7d30\u60c5\u5831\u30da\u30fc\u30b8\u306b\u3044\u304d\u307e\u3059\u3002Investment Option\u3068\u3044\u3046\u3068\u3053\u308d\u306b\u9078\u629e\u3067\u304d\u308b\u6295\u8cc7\u30d7\u30e9\u30f3\u306e\u30ea\u30b9\u30c8\u304c\u3042\u308a\u307e\u3059\u3002\u3042\u308b\u3044\u306f\u3001Contact\u3068\u3044\u3046\u3068\u3053\u308d\u304b\u3089\u305d\u308c\u305e\u308c\u306eWeb\u30da\u30fc\u30b8\u306b\u3044\u304d\u8a73\u3057\u3044\u60c5\u5831\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002<\/p>\n

\u6295\u8cc7\u30d7\u30e9\u30f3\u306e\u9078\u629e\u3067\u306f\u3001\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3084\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u3092\u3046\u307e\u304f\u7d44\u307f\u5408\u308f\u305b\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u81ea\u5206\u3067\u7d44\u307f\u7acb\u3066\u308b\u306e\u3082\u3044\u3044\u3067\u3059\u304c\u3001\u305d\u3046\u3044\u3046\u9762\u5012\u306f\u3061\u3087\u3063\u3068\uff65\uff65\uff65\u3068\u3044\u3046\u65b9\u306b\u306f\u3001\u591a\u304f\u306e529\u30d7\u30e9\u30f3\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308bAge-based\u30d5\u30a1\u30f3\u30c9\u304c\u304a\u52e7\u3081\u3067\u3059\u3002\u3053\u3061\u3089\u306f\u3001\u304a\u5b50\u3055\u3093\u306e\u73fe\u5728\u306e\u5e74\u9f62\u306b\u3088\u3063\u3066\u3001\u3059\u3067\u306b\u682a\u5f0f\u3084\u50b5\u5238\u304c\u3046\u307e\u3044\u5177\u5408\u3067\u7d44\u307f\u5408\u308f\u3055\u308c\u3066\u304a\u308a\u3001\u304a\u5b50\u3055\u3093\u304c\u5c0f\u3055\u3044\u3046\u3061\u306f\u30cf\u30a4\u30ea\u30b9\u30af\u30fb\u30cf\u30a4\u30ea\u30bf\u30fc\u30f3\u306e\u682a\u5f0f\u6bd4\u7387\u304c\u9ad8\u304f\u3001\u304a\u5b50\u3055\u3093\u304c\u5927\u304d\u304f\u306a\u308a\u30ab\u30ec\u30c3\u30b8\u306b\u884c\u304f\u5e74\u304c\u8fd1\u3065\u304f\u306b\u3064\u308c\u3001\u30ed\u30fc\u30ea\u30b9\u30af\u30fb\u30ed\u30fc\u30ea\u30bf\u30fc\u30f3\u306e\u50b5\u5238\u6bd4\u7387\u304c\u9ad8\u307e\u3063\u3066\u3044\u304f\u3068\u3044\u3046\u81ea\u52d5\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306eTarget-date\u30d5\u30a1\u30f3\u30c9\u3092\u3054\u5b58\u77e5\u306e\u65b9\u3067\u3057\u305f\u3089\u3001\u6982\u5ff5\u304c\u4f3c\u3066\u3044\u308b\u306e\u3067\u304a\u5206\u304b\u308a\u306b\u306a\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

Age-based\u30d5\u30a1\u30f3\u30c9\u306f\u304a\u5b50\u3055\u3093\u306e\u5e74\u9f62\u3092\u9078\u629e\u3059\u308c\u3070\u81ea\u52d5\u7684\u306b\u6c7a\u307e\u308b\u3082\u306e\u3082\u3042\u308c\u3070\u3001\u5e74\u9f62\u3092\u9078\u629e\u3057\u305f\u3046\u3048\u3067\u3055\u3089\u306b\u3001actively-managed\u30d5\u30a1\u30f3\u30c9\u304b\u3001passively-managed\u30d5\u30a1\u30f3\u30c9\u304b\u3092\u9078\u629e\u3067\u304d\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u8005\u306f\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u304c\u30a2\u30af\u30c6\u30a3\u30d6\u306b\u9ad8\u30ea\u30bf\u30fc\u30f3\u306e\u671f\u5f85\u3067\u304d\u308b\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u3093\u3067\u904b\u7528\u3059\u308b\u3082\u306e\u3067\u3001\u624b\u6570\u6599\u306f\u9ad8\u3081\uff08\u5e73\u57470.85\uff05\uff09\u3067\u3059\u3002\u4e00\u65b9\u3001\u5f8c\u8005\u306f\u3044\u3063\u305f\u3093\u3075\u3055\u308f\u3057\u3044\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u3093\u3060\u3089\u57fa\u672c\u7684\u306b\u305a\u3063\u3068\u6301\u3061\u7d9a\u3051\u308b\u3082\u306e\u3067\u3001\u624b\u6570\u6599\u306f\u4f4e\u3081\uff08\u5e73\u57470.41%\uff09\u3067\u3059\u3002\u591a\u304f\u306e\u904e\u53bb\u306e\u30ea\u30b5\u30fc\u30c1\u3067actively-managed\u306f\u9ad8\u624b\u6570\u6599\u306b\u898b\u5408\u3046\u3060\u3051\u306e\u9ad8\u6210\u7e3e\u3092\u3001\u9577\u671f\u9593\u306b\u308f\u305f\u3063\u3066\u6052\u5e38\u7684\u306b\u53ce\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u7d50\u679c\u304c\u3067\u3066\u304a\u308a\u3001Smart & Responsible\u3067\u3082\u3053\u306e\u7acb\u5834\u306b\u8cdb\u6210\u3067\u3059\u3002\u3088\u3063\u3066\u3001passively-managed\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

 <\/p>\n

Step 5: 529\u30d7\u30e9\u30f3\u3092\u958b\u304d\u6295\u8cc7\u3092\u958b\u59cb\u3059\u308b<\/b><\/h2>\n

\u3069\u306e\u5dde\u306e\u3069\u306e529\u30d7\u30e9\u30f3\u3067\u3001\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u9078\u629e\u306b\u3059\u308b\u304b\u3092\u6c7a\u3081\u308c\u3070\u3001\u3042\u3068\u306f\u53e3\u5ea7\u3092\u958b\u3044\u3066\u5165\u91d1\u3092\u3059\u308b\u3060\u3051\u3067\u3059\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u9280\u884c\u53e3\u5ea7\u3092\u958b\u3044\u305f\u308a\u3001\u6295\u8cc7\u53e3\u5ea7\u3092\u958b\u3044\u305f\u308a\u3057\u305f\u3053\u3068\u304c\u3042\u308b\u65b9\u306a\u3089\u3001\u540c\u3058\u3088\u3046\u306a\u611f\u899a\u3067529\u53e3\u5ea7\u3092\u958b\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u53e3\u5ea7\u958b\u8a2d\u306f\u6577\u5c45\u304c\u9ad8\u3044\u3068\u3044\u3046\u65b9\u306f\u3001Enrollment Kit\uff08\u53e3\u5ea7\u958b\u8a2d\u30ad\u30c3\u30c8\uff09\u3092\u90f5\u9001\u3067\u53d6\u308a\u5bc4\u305b\u3066\u3001\u5fc5\u8981\u30d5\u30a9\u30fc\u30e0\u306b\u8a18\u5165\u3057\u5f53\u521d\u5165\u91d1\u3059\u308b\u984d\u306e\u30c1\u30a7\u30c3\u30af\u3068\u3068\u3082\u306b\u90f5\u9001\u3067\u53e3\u5ea7\u3092\u958b\u8a2d\u3057\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u5fc5\u8981\u306b\u3042\u308f\u305b\u3001\u6708\u3005\u306e\u81ea\u52d5\u7a4d\u307f\u7acb\u3066\u306a\u3069\u3082\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u53e3\u5ea7\u958b\u8a2d\u306b\u5fc5\u8981\u306a\u60c5\u5831\u306f\u3001\u89aa\uff08Account owner\uff09\u3001\u5b50\u3069\u3082\uff08Beneficiary\uff09\u3001\u5fc5\u8981\u306b\u3088\u308aAccount owner\u3067\u3042\u308b\u89aa\u304c\u4ea1\u304f\u306a\u3063\u305f\u3068\u304d\u306e\u53e3\u5ea7\u7d99\u627f\u8005\uff08Successor account owner\uff09\u306e\u3001\u6c0f\u540d\u3001\u751f\u5e74\u6708\u65e5\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u756a\u53f7\u3042\u308b\u3044\u306f\u30bf\u30c3\u30af\u30b9ID\u756a\u53f7\u306a\u3069\u3067\u3059\u3002<\/p>\n

 <\/p>\n

Step 6\uff1a\u5b9a\u671f\u30c1\u30a7\u30c3\u30af<\/b><\/h2>\n

\u304a\u5b50\u3055\u3093\u304c\u5c0f\u3055\u3044\u3046\u3061\u306f\u6570\u5e74\u306b\u4e00\u5ea6\u3001\u30ab\u30ec\u30c3\u30b8\u5165\u5b66\u5e74\u9f62\u306b\u8fd1\u304f\u306a\u308b\u306b\u3064\u308c\u4e00\u5e74\u306b\u4e00\u5ea6\u304f\u3089\u3044\u306f\u3001529\u30d7\u30e9\u30f3\u306e\u904b\u7528\u304c\u5fc5\u8981\u306b\u3042\u3063\u3066\u3044\u308b\u304b\u3092\u30ec\u30d3\u30e5\u30fc\u3059\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u5fc5\u8981\u306b\u5fdc\u3058\u6295\u8cc7\u30d7\u30e9\u30f3\u306e\u5909\u66f4\u306f\u3001\u73fe\u5728\u306e\u3068\u3053\u308d1\u5e74\u306b2\u56de\u307e\u3067\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\uff08\u5c06\u6765\u7684\u306b4\u56de\u306b\u306a\u308b\u53ef\u80fd\u6027\u3042\u308a\uff09\u3002\u9ad8\u5229\u56de\u308a\u72d9\u3044\u3067\u3069\u3093\u3069\u3093\u6295\u8cc7\u30d7\u30e9\u30f3\u3092\u5909\u66f4\u3059\u308b\u3053\u3068\u306f\u304a\u52e7\u3081\u3057\u307e\u305b\u3093\u3002\u305d\u306e\u3088\u3046\u306a\u52d5\u304d\u306f\u8fd4\u3063\u3066\u3001\u6295\u8cc7\u306e\u6574\u5408\u6027\u3092\u5d29\u3057\u304b\u306d\u306a\u3044\u304b\u3089\u3067\u3059\u3002\u30d7\u30e9\u30f3\u306e\u904b\u55b6\u4f1a\u793e\u304c\u5909\u308f\u3063\u3066\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u843d\u3061\u305f\u308a\u3001\u30ab\u30ec\u30c3\u30b8\u5165\u5b66\u304c\u8fd1\u3065\u3044\u305f(\u3059\u3067\u306b\u5165\u5b66\u3057\u305f)\u306e\u3067\u3088\u308a\u5b89\u5168\u306a\u8def\u7dda\u306b\u5909\u66f4\u3057\u305f\u3044\u5834\u5408\u3084\u3001\u4ed6\u306b\u4f4e\u624b\u6570\u6599\u306e\u3088\u308a\u3088\u308a529\u30d7\u30e9\u30f3\u304c\u3067\u304d\u305f\u5834\u5408\u306a\u3069\u306b\u3001\u5909\u66f4\u3092\u304b\u3051\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

529\u306e\u9078\u629e\u3068\u7a4d\u307f\u7acb\u3066\u958b\u59cb\u306e\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u3092\u307e\u3068\u3081\u307e\u3057\u305f\u304c\u3001\u3044\u304b\u304c\u3067\u3057\u305f\u3067\u3057\u3087\u3046\u3002\u306a\u308b\u3079\u304f\u591a\u304f\u306e\u65b9\u304c\u3088\u308a\u3088\u308a529\u30d7\u30e9\u30f3\u306e\u9078\u629e\u3092\u3067\u304d\u308b\u3088\u3046\u3001\u5fc5\u8981\u306a\u60c5\u5831\u3092\u307e\u3068\u3081\u305f\u3064\u3082\u308a\u3067\u3059\u304c\u3001\u3082\u3057\u3082529\u30d7\u30e9\u30f3\u9078\u629e\u3084\u6295\u8cc7\u30d7\u30e9\u30f3\u9078\u629e\u3067\u78ba\u8a8d\u3057\u305f\u3044\u3053\u3068\u304c\u304a\u3042\u308a\u3060\u3063\u305f\u308a\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u30d8\u30eb\u30d7\u304c\u5fc5\u8981\u3068\u3044\u3046\u3053\u3068\u3067\u3042\u308c\u3070\u3001Smart & Responsible\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3092\u3054\u5229\u7528\u304f\u3060\u3055\u3044\u3002\u6642\u9593\u30c1\u30e3\u30fc\u30b8\u3067\u627f\u308a\u307e\u3059\u3002<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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