\u4e00\u751f\u61f8\u547d\u8caf\u3081\u3066\u304d\u305f529\u30ab\u30ec\u30c3\u30b8\u30d7\u30e9\u30f3\u306e\u304a\u91d1\u3002\u304a\u5b50\u3055\u3093\u304c\u3064\u3044\u306b\u30ab\u30ec\u30c3\u30b8\u306b\u5165\u5b66\u3057\u3001\u4eca\u5ea6\u306f\u8caf\u3081\u305f\u304a\u91d1\u3092\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u306b\u5165\u308a\u307e\u3057\u305f\u3002\u8caf\u3081\u308b\u30d5\u30a7\u30fc\u30ba\u3067\u306f\u8caf\u3081\u308b\u30d5\u30a7\u30fc\u30ba\u306a\u308a\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u5fc5\u8981\u3067\u3057\u305f\u304c\u3001\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u3067\u306f\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u306a\u308a\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u7a0e\u91d1\u4e0a\u306e\u30eb\u30fc\u30eb\u3092\u62bc\u3055\u3048\u3064\u3064\u3001\u304b\u304b\u3063\u305f\u30ab\u30ec\u30c3\u30b8\u30b3\u30b9\u30c8\u3082\u304d\u3061\u3093\u3068\u8a18\u9332\u3057\u3064\u3064\u3001\u8a08\u753b\u7684\u306b529\u30d7\u30e9\u30f3\u304b\u3089\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3057\u652f\u6255\u3044\u3092\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u3069\u3093\u306a\u70b9\u306b\u6ce8\u610f\u3092\u3057\u305f\u3089\u3088\u3044\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n
<\/p>\n
529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u91d1\u306f\u3001Qualified Higher Education Expenses\uff08QHEE\uff09\u3068\u547c\u3070\u308c\u308b\u3001\u9ad8\u7b49\u6559\u80b2\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u305f\u91d1\u984d\u3060\u3051\u304c\u975e\u8ab2\u7a0e\u3068\u306a\u308a\u307e\u3059\u3002\u9ad8\u7b49\u6559\u80b2\u6a5f\u95a2\u306f\u3001\u9023\u90a6\u653f\u5e9c\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u30fb\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u6a5f\u95a2\u3067\u3042\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\uff08\u65e5\u672c\u306e\u5927\u5b66\u306f\u53c2\u52a0\u305b\u305a\uff09\u3002\u9ad8\u7b49\u6559\u80b2\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u308b\u91d1\u984d\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u306e\u306f\u3001\u6388\u696d\u6599\u3001\u624b\u6570\u6599\u3001\u6559\u79d1\u66f8\u3001\u305d\u306e\u4ed6\u5099\u54c1\u3068\u3001\u30cf\u30fc\u30d5\u30bf\u30a4\u30e0\u4ee5\u4e0a\u3067\u5728\u5b66\u3059\u308b\u5834\u5408\u306f\u5bee\u8cbb\u30fb\u98df\u8cbb\u306e\u3046\u3061\u5927\u5b66\u304ccost of attendance\u306e\u4e00\u90e8\u3068\u3057\u3066\u6307\u5b9a\u3057\u3066\u3044\u308b\u8cbb\u7528\u3082\u30ab\u30a6\u30f3\u30c8\u3057\u307e\u3059\u3002<\/p>\n
\u4fdd\u967a\u6599\u3084\u30b8\u30e0\u8cbb\u3001\u500b\u4eba\u7684\u30cb\u30fc\u30ba\u3067\u8cfc\u5165\u3057\u305fPC\uff08\u5927\u5b66\u304c\u5fc5\u8981\u3068\u8a8d\u3081\u308c\u3070OK\uff09\u3001\u4ea4\u901a\u8cbb\u3001\u30b9\u30c1\u30e5\u30fc\u30c7\u30f3\u30c8\u30ed\u30fc\u30f3\u306e\u652f\u6255\u3044\u3001\u5927\u5b66\u304ccost of attendance\u3068\u3057\u3066\u6307\u5b9a\u3057\u3066\u3044\u308b\u5bee\u8cbb\u30fb\u98df\u8cbb\u3092\u8d85\u3048\u305f\u5bee\u8cbb\u30fb\u98df\u8cbb\u306fQHEE\u306b\u306f\u542b\u307e\u308c\u307e\u305b\u3093\u3002\u81ea\u5b85\u306b\u4f4f\u3093\u3067\u3044\u308b\u5834\u5408\u3084\u30aa\u30d5\u30ad\u30e3\u30f3\u30d1\u30b9\u306e\u30a2\u30d1\u30fc\u30c8\u306b\u4f4f\u3093\u3067\u3044\u308b\u5834\u5408\u306a\u3069\u306f\u3001\u5927\u5b66\u304cQHEE\u3068\u3057\u3066\u8a31\u5bb9\u3059\u308b\u4f4f\u5c45\u8cbb\u30fb\u98df\u8cbb\u306e\u984d\u3068\u3044\u3046\u306e\u3092\u5b9a\u3081\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u3092\u7ba1\u8f44\u3059\u308b\u90e8\u9580\u306b\u554f\u3044\u5408\u308f\u305b\u307e\u3059\u3002<\/p>\n
\u3064\u307e\u308aQHEE\u3068\u306f\u5927\u5b66\u306b\u901a\u3046\u306e\u306b\u6700\u4f4e\u9650\u5fc5\u8981\u306a\u8cbb\u7528\u3067\u3042\u308a\u3001\u4f59\u8208\u3068\u3057\u3066\u306e\u30b8\u30e0\u3084\u3001\u8da3\u5473\u306e\u305f\u3081\u306ePC\u3084\u3001\u3061\u3087\u3063\u3068\u8c6a\u83ef\u306a\u30a2\u30d1\u30fc\u30c8\u306a\u3069\u306e\u8cbb\u7528\u306fQHEE\u306b\u306f\u542b\u307e\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u306f\u3053\u306eQHEE\u306e\u7bc4\u56f2\u5185\u3067\u884c\u3046\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u3082\u3057QHEE\u3092\u8d85\u3048\u305f\u62e0\u51fa\u304c\u3042\u3063\u305f\u5834\u5408\u306f\u3001\u5229\u56de\u308a\u306b\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u3068\u540c\u6642\u306b10\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u304b\u304b\u308a\u307e\u3059\u3002\u5f15\u304d\u51fa\u3057\u305f\u984d\u306e\u5229\u56de\u308a\u76f8\u5f53\u5206\u306f\u4e0b\u306e\u3088\u3046\u306b\u3057\u3066\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002<\/p>\n
\u305f\u3068\u3048\u3070$50,000\u7a4d\u7acb\u3066\u3001\u5229\u56de\u308a$20,000\u3092\u5f97\u3001\u73fe\u5728\u306e\u30d0\u30e9\u30f3\u30b9\u304c$70,000\u306e529\u30d7\u30e9\u30f3\u304c\u3042\u3063\u305f\u3068\u3057\u307e\u3059\u3002\u305d\u3053\u304b\u3089$20,000\u62e0\u51fa\u3057\u3001\u305d\u306e\u3046\u3061$18,000\u3057\u304bQHEE\u3068\u3057\u3066\u8a8d\u3081\u3089\u308c\u306a\u304b\u3063\u305f\u5834\u5408\u3001$2,000\uff08QHEE\u3092\u8d85\u3048\u305f\u62e0\u51fa\uff09\uff58$20,000\uff08\u5229\u56de\u308a\uff09\/$70,000\uff08\u5143\u91d1\uff09=$571\u306b\u6240\u5f97\u7a0e\u306810\uff05\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u308a\u3001\u6240\u5f97\u7a0e\u7387\u306b\u3088\u308a\u307e\u3059\u304c$200\u5f37\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\uff08\u305f\u3060\u3057\u3001\u89aa\u306e\u4ee3\u308f\u308a\u306b\u5b50\u3069\u3082\u304c\u62e0\u51fa\u3092\u53d7\u3051\u3001\u5b50\u3069\u3082\u306e\u7a0e\u7387\u3067\u6240\u5f97\u7a0e\u3092\u6255\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\uff09\u3002\u76ee\u304c\u98db\u3073\u51fa\u308b\u307b\u3069\u306e\u984d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u907f\u3051\u3089\u308c\u308b\u306a\u3089\u907f\u3051\u305f\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n
<\/p>\n
American Opportunity Tax Credit\u3084Lifetime Learning Credit\u306a\u3069\u306e\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5229\u7528\u3059\u308b\u5834\u5408\uff08\u6240\u5f97\u5236\u9650\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u8005\u306e\u5834\u5408\u3001\u592b\u5a66\u30b8\u30e7\u30a4\u30f3\u30c8\u30ea\u30bf\u30fc\u30f3\u3067\u3001AGI$160,000\u304b\u3089\u5229\u7528\u3067\u304d\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u6e1b\u5c11\u3057\u306f\u3058\u3081$180,000\u3067\u5b8c\u5168\u6d88\u6ec5\uff09\u306f\u3001\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5f97\u308b\u305f\u3081\u306e\u8cbb\u7528\u652f\u6255\u3044\u3092529\u304b\u3089\u306e\u62e0\u51fa\u91d1\u3067\u306f\u306a\u304f\u3001\u305d\u308c\u4ee5\u5916\u306e\u30ea\u30bd\u30fc\u30b9\uff08\u6708\u3005\u306e\u7d66\u4e0e\u306a\u3069\uff09\u304b\u3089\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f529\u306e\u975e\u8ab2\u7a0e\u512a\u9047\u63aa\u7f6e\u3068\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3068\u3044\u3046\u7a0e\u512a\u9047\u63aa\u7f6e\u3092\u3001\u540c\u3058\u8cbb\u7528\u306b\u5bfe\u3057\u3066\u30c0\u30d6\u30eb\u3067\u53d7\u3051\u308b\u3053\u3068\u3092\u9632\u3050\u305f\u3081\u3067\u3059\u3002<\/p>\n
\u6240\u5f97\u304c\u9ad8\u3059\u304e\u3066\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u53d7\u3051\u3089\u308c\u306a\u3044\u5834\u5408\u306f\u554f\u984c\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u304c\u3001\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u53d7\u3051\u3089\u308c\u308b\u5834\u5408\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u53d7\u3051\u308b\u90e8\u5206\uff08American Opportunity Tax Credit\u3067\u3001\u6700\u9ad8$2,500\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u53d7\u3051\u308b\u5834\u5408\u306f\u3001$4,000\u5206\u306e\u8cbb\u7528\uff09\u306b\u3064\u3044\u3066\u306f\u3001529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u3067\u652f\u6255\u308f\u306a\u3044\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n
\u305f\u3060\u3057\u3001\u8a08\u7b97\u304c\u3046\u307e\u304f\u3044\u304b\u305a\u3001\u7d50\u679c\u3068\u3057\u3066\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u7533\u8acb\u3059\u308b\u8cbb\u7528\u304c\u3001529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u91d1\u3067\u652f\u6255\u308f\u308c\u3066\u3044\u305f\u3068\u5f8c\u3067\u6c17\u3065\u3044\u305f\u5834\u5408\u306b\u3064\u3044\u3066\u306f\u3001\u305d\u306e\u62e0\u51fa\u91d1\u306e\u5229\u56de\u308a\u306b\u306f\u6240\u5f97\u7a0e\u306f\u304b\u304b\u308a\u307e\u3059\u304c\u300110\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u306f\u514d\u308c\u307e\u3059\u3002\u306a\u304a\u3001\u6240\u5f97\u7a0e\u306f\u6255\u3063\u3066\u3082\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u3082\u3089\u3063\u305f\u307b\u3046\u304c\u3001\u307b\u3068\u3093\u3069\u306e\u5834\u5408\u30d7\u30e9\u30b9\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u3082\u3057\u3082529\u30d7\u30e9\u30f3\u304b\u3089\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3057\u305f\u5f8c\u3067\u3001QHEE\u304c\u601d\u3063\u305f\u3088\u308a\u5c11\u306a\u304b\u3063\u305f\u306a\u3069\u306e\u7406\u7531\u3067\u3001\u5f15\u304d\u51fa\u3057\u3059\u304e\u305f\u3053\u3068\u306b\u6c17\u3065\u3044\u305f\u3089\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u3067\u3057\u3087\u3046\u304b\u300260\u65e5\u4ee5\u5185\u306a\u3089\u3070\u3001\u4ed6\u306e529\u30d7\u30e9\u30f3\u306b\u5165\u91d1\u3059\u308b\u3053\u3068\u3067\u3001\u5b9f\u8cea\u4e0a\uff08\u304a\u91d1\u3092\u4f7f\u308f\u306a\u3044\u3067\uff09\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3057\u305f\u3068\u307f\u306a\u3055\u308c\u3001\u6240\u5f97\u7a0e\u30fb\u30da\u30ca\u30eb\u30c6\u30a3\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u3042\u308b\u3044\u306f\u3001\u6765\u5e74\u5ea6\u306e\u8cbb\u7528\u3092\u524d\u6255\u3044\u3059\u308b\u3053\u3068\u3067\u3001QHEE\u3068\u3057\u3066\u307f\u306a\u3055\u308c\u308b\u65b9\u6cd5\u304c\u306a\u3044\u304b\u5927\u5b66\u5074\u306b\u554f\u3044\u5408\u308f\u305b\u3066\u307f\u307e\u3059\u3002<\/p>\n
\u5e74\u6bce\u306eQHEE\u3092\u3088\u304f\u628a\u63e1\u3057\u3001\u4e00\u5e74\u3054\u3068\u306e\u5358\u4f4d\u3067529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u3068\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3055\u305b\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u5e74\u672b\u3092\u8fce\u3048\u308b\u524d\u306b\u3001\u4e00\u5e74\u9593\u306eQHEE\u3001\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u8a72\u5f53\u8cbb\u7528\u3068529\u62e0\u51fa\u91d1\u3092\u8a08\u7b97\u3057\u3001QHEE\u304b\u3089\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u8a72\u5f53\u8cbb\u7528\u3092\u5dee\u3057\u5f15\u3044\u305f\u3082\u306e\u304c\u62e0\u51fa\u91d1\u3088\u308a\u5927\u304d\u3051\u308c\u3070\u3001\u8ffd\u52a0\u62e0\u51fa\u3092\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u53cd\u5bfe\u306b\u62e0\u51fa\u91d1\u306e\u307b\u3046\u304c\u5927\u304d\u3051\u308c\u3070\u3001\u4ed6\u306e529\u30d7\u30e9\u30f3\u3078\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3084\u6765\u5e74\u5ea6\u306e\u8cbb\u7528\u306e\u524d\u6255\u3044\u3092\u8003\u616e\u3057\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u5927\u5b66\u3067\u5168\u90e8\u4f7f\u3044\u5207\u3089\u306a\u304b\u3063\u305f529\u30d7\u30e9\u30f3\u306e\u6b8b\u9ad8\u306f\u3001\u672c\u4eba\u306e\u5927\u5b66\u9662\u306b\u4f7f\u3063\u305f\u308a\u3001\u672c\u4eba\u306e\u5144\u5f1f\u59c9\u59b9\u3084\u305d\u306e\u4ed6\u5bb6\u65cf\u306b\u30d9\u30cd\u30d5\u30a3\u30b7\u30a2\u30ea\u30fc\u306e\u540d\u7fa9\u5909\u66f4\u3092\u3059\u308b\u3053\u3068\u3067\u65b0\u30d9\u30cd\u30d5\u30a3\u30b7\u30a2\u30ea\u30fc\u306e\u9ad8\u7b49\u6559\u80b2\u8cbb\u306b\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3042\u304f\u307e\u3067529\u30d7\u30e9\u30f3\u306f\u9ad8\u7b49\u6559\u80b2\u8cbb\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u305d\u3046\u3067\u306a\u3044\u76ee\u7684\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u308b\u3068\u3001\u524d\u8ff0\u306e\u3088\u3046\u306b\u5229\u56de\u308a\u306b\u6240\u5f97\u7a0e\u306810\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u305f\u3044\u3057\u305f\u984d\u304c\u6b8b\u3063\u3066\u3044\u306a\u3044\u5834\u5408\u3084\u3001\u7a4d\u7acb\u5e74\u6570\u304c\u6bd4\u8f03\u7684\u77ed\u3044\u305f\u3081\u305d\u308c\u307b\u3069\u5229\u56de\u308a\u90e8\u5206\u304c\u591a\u304f\u306a\u3044\u306a\u3069\u306e\u5834\u5408\u306f\u3001\u6240\u5f97\u7a0e\u306810\uff05\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u305d\u308c\u307b\u3069\u306e\u984d\u306b\u306a\u3089\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u53cd\u5bfe\u306b\u3001\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u304c\u6b8b\u3063\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u3053\u308c\u3089\u306e\u984d\u3082\u5927\u304d\u304f\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u6b8b\u3057\u904e\u304e\u306a\u3044\u3088\u3046\u306b\u3001\u8a08\u753b\u7684\u306b\u4f7f\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u305f\u3060\u3057\u3001529\u30d7\u30e9\u30f3\u306b\u4e00\u751f\u61f8\u547d\u7a4d\u307f\u7acb\u3066\u305f\u304c\u3001\u5927\u304d\u306a\u30b9\u30ab\u30e9\u30b7\u30c3\u30d7\u304c\u3082\u3089\u3048\u305f\u3088\u3046\u306a\u5834\u5408\u306f\u300110\uff05\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u3082\u3042\u308a\u307e\u3059\u3002\u30b9\u30ab\u30e9\u30b7\u30c3\u30d7\u306b\u76f8\u5f53\u3059\u308b\u984d\u306e529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u91d1\u306f\u3001\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u514d\u308c\u307e\u3059\u3002\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u53d7\u3051\u308b\u8cbb\u7528\u306b\u76f8\u5f53\u3059\u308b\u984d\u306e\u62e0\u51fa\u3082\u3001\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u9003\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u5229\u56de\u308a\u90e8\u5206\u306e\u6240\u5f97\u7a0e\u306f\u304b\u304b\u308a\u307e\u3059\uff08\u305f\u3060\u3057\u3001\u89aa\u306e\u4ee3\u308f\u308a\u306b\u5b50\u3069\u3082\u304c\u62e0\u51fa\u3092\u53d7\u3051\u3001\u5b50\u3069\u3082\u306e\u7a0e\u7387\u3067\u6240\u5f97\u7a0e\u3092\u6255\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\uff09\u3002<\/p>\n
<\/p>\n
529\u30d7\u30e9\u30f3\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u3060\u3044\u305f\u3044\u306e\u30d7\u30e9\u30f3\u3067\u5f15\u304d\u51fa\u3057\u305f\u304a\u91d1\u306e\u53d7\u3051\u53d6\u308a\u5148\u306b\uff13\u3064\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u30021)\u3000\u89aa\u30012)\u3000\u5b66\u751f\u30013)\u3000\u5927\u5b66\u304c\u3067\u3059\u30021)\u30012)\u3067\u306f\u53d7\u3051\u53d6\u3063\u305f\u62e0\u51fa\u91d1\u3067\u3001\u89aa\u3084\u5b66\u751f\u304c\u5927\u5b66\u306b\u652f\u6255\u3044\u3092\u3057\u307e\u3059\u30023)\u306f529\u62e0\u51fa\u91d1\u3092\u3082\u3063\u3066\u76f4\u63a5\u5927\u5b66\u306b\u652f\u6255\u3044\u304c\u3055\u308c\u307e\u3059\u3002<\/p>\n
3)\u306f\u4fbf\u5229\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u5927\u5b66\u8cbb\u7528\u306e\u3046\u3061\u3069\u306e\u8cbb\u7528\u306b\u305d\u306e\u62e0\u51fa\u91d1\u304c\u3042\u3066\u304c\u308f\u308c\u308b\u304b\u306a\u3069\u306e\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3092\u5927\u5b66\u306e\u51fa\u7d0d\u4fc2\u306b\u3086\u3060\u306d\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3054\u5b58\u77e5\u306e\u3068\u304a\u308a\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u4e8b\u52d9\u4e0a\u306e\u9593\u9055\u3044\u306a\u3069\u304c\u591a\u3044\u306e\u3067\u3001\u3067\u304d\u308b\u9650\u308a\u81ea\u5206\u3067\u3069\u306e\u8cbb\u7528\u3092\u652f\u6255\u3046\u304b\u3092\u7ba1\u7406\u3057\u305f\u3046\u3048\u3067\u9001\u91d1\u3059\u308b\u307b\u3046\u304c\u5b89\u5fc3\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u5927\u5b66\u5074\u304c529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u91d1\u3092\u3001\u5916\u90e8\u306e\u30b9\u30ab\u30e9\u30b7\u30c3\u30d7\u30de\u30cd\u30fc\u3068\u3057\u3066\u5224\u65ad\u3057\u3001\u6b21\u5e74\u5ea6\u4ee5\u964d\u306e\u5927\u5b66\u7d4c\u7531\u306e\u30b9\u30ab\u30e9\u30b7\u30c3\u30d7\u304c\u6e1b\u3089\u3055\u308c\u305f\u3068\u3044\u3046\u3088\u3046\u306a\u3053\u3068\u3082\u3042\u308b\u305d\u3046\u3067\u3059\u304b\u3089\u30013)\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u907f\u3051\u305f\u307b\u3046\u304c\u7121\u96e3\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n
1)\u304b2)\u304b\u306f\u89aa\u3068\u5b50\u3069\u3082\u306e\u4fe1\u983c\u95a2\u4fc2\u3084\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u89aa\u306e\u7ba1\u7406\u304c\u884c\u304d\u5c4a\u304f\u306a\u3089\u30012)\u306e\u5b66\u751f\u3078\u306e\u62e0\u51fa\u304c\u4e00\u756a\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3082\u3057\u3082QHEE\u3092\u8d85\u3048\u3066\u306e\u62e0\u51fa\u3068\u306a\u308a\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u5834\u5408\u3082\u3001\u5b66\u751f\u306e\u6240\u5f97\u7a0e\u7387\u306f\u4f4e\u3044\u3067\u3057\u3087\u3046\u304b\u3089\u7a0e\u91d1\u304c\u5c11\u306a\u304f\u3066\u3059\u307f\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u5b66\u751f\u3078\u306e\u62e0\u51fa\u3057\u305f\u304a\u91d1\u306f\u6cd5\u5f8b\u4e0a\u306f\u5b66\u751f\u306e\u7ba1\u7406\u306b\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u5b50\u3069\u3082\u304c\u6d6a\u8cbb\u3057\u3066\u3082\u89aa\u306f\u7121\u529b\u3067\u3059\u306e\u3067\u3042\u3057\u304b\u3089\u305a\u3002<\/p>\n
529\u30d7\u30e9\u30f3\u3060\u3051\u3067\u306a\u304f\u3001Roth IRA\u306a\u3069\u3092\u5229\u7528\u3057\u3066\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u3092\u305f\u3081\u3066\u3044\u308b\u3088\u3046\u306a\u5834\u5408\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u304c\u3082\u3089\u3048\u308b\u53ef\u80fd\u6027\u3092\u9451\u307f\u306a\u304c\u3089\u3001\u5f15\u304d\u51fa\u3059\u9806\u5e8f\u3092\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u30ed\u30fc\u30f3\u3092\u542b\u3080\u30cb\u30fc\u30c9\u30d9\u30fc\u30b9\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u306f\u4e00\u5207\u671f\u5f85\u3067\u304d\u305d\u3046\u306b\u306a\u3044\u5bb6\u5ead\uff08\u76ee\u5b89\u3068\u3057\u3066\u306f\u5dde\u7acb\u5927\u3067\u5e74\u53ce$150,000\u4ee5\u4e0a\u3002\u79c1\u7acb\u5927\u3067$200,000\u4ee5\u4e0a\u3002\u7d30\u304b\u3044\u6761\u4ef6\u306b\u3088\u308a\u8aa4\u5dee\u306f\u3042\u308a\u307e\u3059\u3002\uff09\u3067\u306f\u3001\u3069\u306e\u9806\u5e8f\u3067\u5f15\u304d\u51fa\u3057\u3092\u3057\u3066\u3082\u5dee\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u53cd\u5bfe\u306b\u30cb\u30fc\u30c9\u30d9\u30fc\u30b9\u306e\u30d5\u30a1\u30a4\u30a2\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u304c\u3082\u3089\u3048\u305d\u3046\u306a\u5bb6\u5ead\u3067\u306f\u3001\u89aa\u306e\u8cc7\u7523\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b529\u306f\u306a\u308b\u3079\u304f\u65e9\u304f\uff08\u3067\u3082QHEE\u4ee5\u4e0a\u306e\u62e0\u51fa\u306e\u3057\u3059\u304e\u306b\u306f\u6c17\u3092\u3064\u3051\u3064\u3064\uff09\u4f7f\u3063\u3066\u6b8b\u9ad8\u3092\u5c0f\u3055\u304f\u3059\u308b\u307b\u3046\u304c\u5f97\u7b56\u3067\u3059\u3002<\/p>\n
RothIRA\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u3059\u304b\u3089\u89aa\u306e\u8cc7\u7523\u3068\u3057\u3066\u306f\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u305b\u3093\u304c\u3001RothIRA\u304b\u3089\u306e\u62e0\u51fa\u306f\u3001\u300c\u6240\u5f97\u300d\u3068\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u53ce\u5165\u3092\u4e0a\u3052\u308b\u3068\u3044\u3046\u597d\u307e\u3057\u304f\u306a\u3044\u52b9\u679c\u304c\u3042\u308b\u306e\u3067\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u3092\u7533\u8acb\u3059\u308b\u9593\u306f\u62e0\u51fa\u3057\u306a\u3044\u306e\u304c\u5f97\u7b56\u3067\u3059\u3002\u30a8\u30a4\u30c9\u7533\u8acb\u3092\u3059\u308b\u9593\u306f529\u30d7\u30e9\u30f3\u304b\u3089\u306e\u62e0\u51fa\u512a\u5148\u3001Roth IRA\u306f\u6700\u5f8c\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u7533\u8acb\u306e\u7d42\u308f\u3063\u305f\u5f8c\u3001\u5927\u5b66\u306e\u6700\u7d42\u5b66\u5e74\u306b\u5229\u7528\u3092\u3059\u308b\u3053\u3068\u3067\u3001\u306a\u308b\u3079\u304f\u30a8\u30a4\u30c9\u306b\u60aa\u5f71\u97ff\u3092\u4e0e\u3048\u305a\u52b9\u7387\u7684\u306b\u8cc7\u91d1\u304c\u4f7f\u3048\u307e\u3059\u3002<\/p>\n
<\/p>\n
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