{"id":3222,"date":"2015-02-03T09:04:54","date_gmt":"2015-02-03T17:04:54","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3222"},"modified":"2020-01-16T13:38:36","modified_gmt":"2020-01-16T21:38:36","slug":"shoul_i_buy_annuity","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/shoul_i_buy_annuity\/","title":{"rendered":"\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u2026\u8cb7\u3046\u3079\u304d\u3001\u8cb7\u308f\u306a\u3044\u3079\u304d\uff1f"},"content":{"rendered":"

\u6700\u8fd1\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u95a2\u3059\u308b\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u304a\u624b\u4f1d\u3044\u3055\u305b\u3066\u3044\u305f\u3060\u3044\u305f\u65b9\u304c\u4f55\u4eba\u304b\u3044\u3089\u3063\u3057\u3083\u3044\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u4f1a\u793e\u304c\u529b\u3092\u5165\u308c\u3066\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3059\u308b\u3053\u3068\u306e\u591a\u3044\u5546\u54c1\u3067\u3059\u304c\u3001\u591a\u304f\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u95a2\u9023\u5546\u54c1\u304c\u305d\u3046\u3067\u3042\u308b\u3088\u3046\u306b\u3001\u540c\u3058\u5546\u54c1\u3067\u3042\u3063\u3066\u3082\u305d\u306e\u65b9\u306e\u7f6e\u304b\u308c\u3066\u3044\u308b\u72b6\u6cc1\u3084\u5c06\u6765\u306e\u8a08\u753b\u306b\u7167\u3089\u3057\u5408\u308f\u305b\u308b\u3068\u3001\u8cb7\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u5834\u5408\u3082\u3042\u308c\u3070\u8cb7\u308f\u306a\u3044\u307b\u3046\u304c\u3088\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3069\u3046\u3044\u3046\u5834\u5408\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u7406\u306b\u304b\u306a\u3044\u3001\u3069\u3046\u3044\u3046\u5834\u5408\u306b\u306f\u907f\u3051\u305f\u307b\u3046\u304c\u3044\u3044\u306e\u304b\u306b\u3064\u3044\u3066\u3001\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\u5f62\u5f0f\u3067\u898b\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305a\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u9577\u6240\u3068\u77ed\u6240\u3068\u7c21\u5358\u306b\u307e\u3068\u3081\u307e\u3059\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u9577\u6240<\/h2>\n

\u5229\u56de\u308a\u3078\u306e\u7a0e\u9045\u5ef6<\/strong>\uff1a\u3000\u904b\u7528\u5229\u56de\u308a\u3078\u306e\u8ab2\u7a0e\u304c\u3001\u5f15\u304d\u51fa\u3057\u307e\u3067\u5148\u5ef6\u3070\u3057\u306b\u3055\u308c\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u308c\u306f\u524d\u8ff0\u306e\u3068\u304a\u308aIRA\u3084401(k)\u3067\u3082\u5f97\u3089\u308c\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3067\u3059\u3002
\n\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u7c21\u5358\u306b<\/strong>\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3088\u308b\u6708\u3005\u306e\u5b9a\u984d\u78ba\u5b9a\u7d66\u4ed8\u306f\u3001\u81ea\u5206\u3067\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u307f\u904b\u7528\u3092\u7d9a\u3051\u3066\u3001\u6708\u3005\u3044\u304f\u3089\u305a\u3064\u5f15\u304d\u51fa\u3057\u3066\u3044\u3051\u3070\u3044\u3044\u304b\u3068\u3044\u3046\u8a08\u7b97\u3092\u4e0d\u8981\u306b\u3057\u307e\u3059\u3002\u6708\u3005\u306e\u56fa\u5b9a\u8cbb\u3092\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3084\u305d\u306e\u4ed6\u306e\u5e74\u91d1\u3067\u307e\u304b\u306a\u3048\u304d\u308c\u306a\u3044\u5834\u5408\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304b\u3089\u306e\u53ce\u5165\u304c\u78ba\u4fdd\u3055\u308c\u3066\u3044\u308b\u3068\u5b89\u5fc3\u3067\u3059\u3002
\n\u9577\u751f\u304d\u3057\u3066\u3082\u3082\u3089\u3048\u308b<\/strong>\uff1a\u3000\u4e0a\u306e\u4e8b\u9805\u3068\u95a2\u9023\u3057\u3066\u3001\u78ba\u5b9a\u7d66\u4ed8\u304c\u751f\u6daf\u7d9a\u304f\uff08\u3053\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u9078\u3093\u3060\u5834\u5408\uff09\u3068\u3044\u3046\u306e\u306f\u5fc3\u5f37\u3044\u3082\u306e\u3067\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304b\u3089\u6708\u3005\u5f15\u304d\u51fa\u3057\u3059\u304e\u3066\u3001\u8001\u5f8c\u306e\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u3066\u3057\u307e\u3063\u305f\u3068\u3044\u3046\u554f\u984c\u3092\u56de\u907f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u77ed\u6240<\/h2>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u77ed\u6240\u306f\u306a\u3093\u3068\u3044\u3063\u3066\u3082\u9ad8\u3044\u624b\u6570\u6599\u3067\u3059\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\u306a\u3069\u3082\u3088\u304f\u554f\u984c\u306b\u3055\u308c\u307e\u3059\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u624b\u6570\u6599\u306f\u305d\u308c\u306b\u4e0a\u56de\u3063\u3066\u60aa\u540d\u304c\u9ad8\u3044\u3082\u306e\u3067\u3059\u3002
\n\u3067\u306f\u3001\u3069\u3093\u306a\u624b\u6570\u6599\u304c\u3042\u308b\u306e\u304b\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002
\n\u8ca9\u58f2\u624b\u6570\u6599<\/strong>\uff1a\u3000\u4fdd\u967a\u30d6\u30ed\u30fc\u30ab\u30fc\u3084\u30bb\u30fc\u30eb\u30b9\u62c5\u5f53\u8005\u304c\u58f2\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300110\uff05\u306b\u4e0a\u308b\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u3068\u3044\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306e\u8ca9\u58f2\u624b\u6570\u6599\u306b\u95a2\u3057\u3066\u306f\u6cd5\u5f8b\u3067\u4e0a\u9650\u304c\u6c7a\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u6050\u308d\u3057\u3044\u3053\u3068\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u8ab2\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u8ca9\u58f2\u624b\u6570\u6599\u306e\u4e0a\u9650\u306f\u6cd5\u5f8b\u3067\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u7d50\u679c\u3068\u3057\u3066\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u6570\u3042\u308b\u6295\u8cc7\u30fb\u4fdd\u967a\u5546\u54c1\u306e\u306a\u304b\u3067\u3082\u3001\u3068\u3073\u306c\u3051\u3066\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306e\u9ad8\u3044\u5546\u54c1\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002
\n\u30b5\u30ec\u30f3\u30c0\u30fc\u30fb\u30c1\u30e3\u30fc\u30b8\uff08\u30ad\u30e3\u30f3\u30bb\u30eb\u6599<\/strong>\uff09\uff1a\u3000\u5951\u7d04\u306b\u3088\u308a\u307e\u3061\u307e\u3061\u3067\u3059\u304c\u3001\u305f\u3068\u3048\u3070\u300c\u6700\u521d\u306e7\u5e74\u9593\u306b\u89e3\u7d04\u3059\u308b\u5834\u5408\u306f\u3001\u53e3\u5ea7\u6b8b\u9ad8\u306e\uff17\uff05\u304c\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u3068\u3057\u3066\u304b\u304b\u308a\u30011\u5e74\u3092\u6e1b\u308b\u3054\u3068\u306b\uff11\uff05\u305a\u3064\u6e1b\u5c11\u30018\u5e74\u76ee\u304b\u3089\u306f\u89e3\u7d04\u3057\u3066\u3082\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u306a\u3057\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u5177\u5408\u3067\u3059\u3002\u3053\u306e\uff17\uff05\u306f\u307e\u3060\u826f\u5fc3\u7684\u306a\u307b\u3046\u3067\u300115\uff05\u300120\uff05\u3001\u3072\u3069\u3044\u306825\uff05\u3068\u3044\u3046\u5951\u7d04\u3082\u5b58\u5728\u3059\u308b\u3088\u3046\u3067\u3059\u3002\u6c17\u304c\u5909\u308f\u3063\u305f\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u306f\u8a31\u3055\u308c\u306a\u3044\u306e\u304c\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u3059\u3002
\n\u4fdd\u967a\u6599<\/strong>\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3059\u304b\u3089\u3001\u6b7b\u4ea1\u306e\u5834\u5408\u3001\u3042\u308b\u3044\u306f\u751f\u5b58\u4e2d\u7d99\u7d9a\u3055\u308c\u308b\u3079\u304d\u4fdd\u967a\u3068\u3057\u3066\u306e\u300c\u4fa1\u5024\u300d\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u591a\u304f\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u3001\u3082\u3057\u53d7\u3051\u53d6\u308a\u958b\u59cb\u524d\u306b\u672c\u4eba\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f\u3001\u6295\u8cc7\u3057\u305f\u5143\u672c\u304b\u73fe\u5728\u306e\u6295\u8cc7\u6b8b\u9ad8\u304b\u3001\u3069\u3061\u3089\u304b\u5927\u304d\u3044\u307b\u3046\u3092\u652f\u6255\u3046\u3068\u3044\u3046\u3088\u3046\u306a\u6b7b\u4ea1\u4fdd\u969c\u304c\u3064\u3044\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u4fdd\u967a\u3068\u3057\u3066\u306e\u300c\u4fa1\u5024\u300d\u306b\u5bfe\u3057\u3066\u4fdd\u967a\u6599\u304c\u767a\u751f\u3059\u308b\u306e\u306f\u5f53\u7136\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u53e3\u5ea7\u6b8b\u9ad8\u306e1.25\uff05\u7a0b\u5ea6\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002
\n\u6295\u8cc7\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599<\/strong>\uff1a\u3000Variable Annuity\u306e\u5834\u5408\u3001401(k)\u306e\u3088\u3046\u306b\u81ea\u5206\u3067\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u306e\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u629e\u3057\u3066\u904b\u7528\u3057\u3066\u3044\u304f\u308f\u3051\u3067\u3059\u304c\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\uff08\u4fd7\u306b\u8a00\u3046Expense Ratio\uff09\u304c\u3070\u304b\u306b\u306a\u308a\u307e\u305b\u3093\u3002\uff12~3\uff05\u306e\u624b\u6570\u6599\u306f\u3088\u304f\u3042\u308b\u30ec\u30f3\u30b8\u3067\u3059\u304c\u3001\u9ad8\u3044\u3068\uff15\uff05\u3068\u3044\u3046\u3088\u3046\u306a\u9ad8\u624b\u6570\u6599\u306e\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u3053\u308c\u3092\u8e0f\u307e\u3048\u3066\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u8cfc\u5165\u3092\u304a\u52e7\u3081\u3057\u305f\u30b1\u30fc\u30b9\u3068\u3057\u306a\u304b\u3063\u305f\u30b1\u30fc\u30b9\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u307e\u305a\u306f\u304a\u52e7\u3081\u3057\u306a\u304b\u3063\u305f\u307b\u3046\u304b\u3089\u3002\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u304a\u52e7\u3081\u3057\u306a\u304b\u3063\u305f\u30b1\u30fc\u30b9<\/h2>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u9593\u8fd1\u306b\u63a7\u3048\u305f60\u53f0\u5f8c\u534a\u306eA\u3055\u3093\u3054\u592b\u5a66\u3002\u4fdd\u967a\u4f1a\u793e\u304b\u3089Variable Annuity\u3092\u52e7\u3081\u3089\u308c\u307e\u3057\u305f\u3002\u73fe\u5728\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u5165\u3063\u3066\u3044\u308b\u304a\u91d1\u3067Variable Annuity\u3092\u8cfc\u5165\u3057\u6295\u8cc7\u3092\u7d9a\u3051\u306a\u304c\u3089\u3001\u5e74\u3005\u306e\u5e74\u91d1\u3092\u53d7\u3051\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3057\u305f\u3002<\/p>\n

Guaranteed Lifetime Withdrawal Benefit\uff08GLWB\uff09\u3068\u3044\u3046\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3064\u3044\u305f\u3053\u306e\u5546\u54c1\u3001\u3054\u592b\u5a66\u304c\u751f\u304d\u3066\u3044\u308b\u9650\u308a\u78ba\u7d04\uff14\uff05\u3067\u6bce\u5e74\u5e74\u91d1\u304c\u53d7\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u5e74\u91d1\u7d66\u4ed8\u306e\u30d9\u30fc\u30b9\u3068\u306a\u308b\u984d\uff08Total Withdrawal Base\uff1dTWB\uff09\u306f\u5f53\u521d\u306e\u6295\u8cc7\u984d\u3092\u4e0b\u56de\u308b\u3053\u3068\u306f\u306a\u304f\u3001\u3082\u3057\u5e02\u5834\u4fa1\u683c\u304c\u4e0b\u304c\u3063\u3066\u3082\u5f53\u521d\u306e\u6295\u8cc7\u984d\u306f\u78ba\u4fdd\u3055\u308c\u307e\u3059\u3002\u6bce\u5e74\u3001\u6295\u8cc7\u6210\u7e3e\u304c\u6e2c\u3089\u308c\u3001\u6295\u8cc7\u984d\u304c\u6210\u9577\u3057\u305f\u5834\u5408\u306f\u3001\u305d\u308c\u306b\u5fdc\u3058\u3066TWB\u3082\u5897\u3048\u3066\u3044\u304d\u307e\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306b\u4e00\u751f\u61f8\u547d\u8caf\u3081\u3066\u304d\u305f\u304a\u91d1\u306a\u306e\u3067\u3053\u306e\u3088\u3046\u306a\u30ae\u30e3\u30e9\u30f3\u30c6\u30a3\u30fc\u304c\u3064\u3044\u3066\u3044\u308b\u306e\u306f\u5fc3\u5f37\u3044\u3068\u601d\u3044\u3001\u3053\u306e\u5546\u54c1\u306e\u3054\u8cfc\u5165\u3092\u304a\u8003\u3048\u3067\u3057\u305f\u3002<\/p>\n

\u3057\u304b\u3057\u306a\u304c\u3089\u3001A\u3055\u3093\u3054\u592b\u5a66\u306e\u30d1\u30fc\u30bd\u30ca\u30eb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u60c5\u5831\u3068\u3053\u306eVariable Annuity\u306e\u5185\u5bb9\u3092\u8a73\u3057\u304f\u898b\u3055\u305b\u3066\u3044\u305f\u3060\u3044\u305f\u7d50\u679c\u3001A\u3055\u3093\u3054\u592b\u5a66\u306b\u306f\u3053\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u3092\u304a\u52e7\u3081\u3057\u307e\u305b\u3093\u3067\u3057\u305f\u3002<\/p>\n

\u307e\u305a\u305d\u306e\u7406\u7531\u306f\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u9577\u5e74\u50cd\u3044\u3066\u3053\u3089\u308c\u30ea\u30bf\u30a4\u30e4\u309270\u6b73\u307e\u3067\u5f85\u3064\u4e88\u5b9a\u306eA\u3055\u3093\u3054\u592b\u5a66\u306f\u3001$4,000\u8d85\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u304c\u53d7\u3051\u3089\u307e\u3059\u3002\u307e\u305f\u3001A\u3055\u3093\u306f401(k)\u3084Traditional IRA\u3082\u5341\u5206\u306a\u6b8b\u9ad8\u3092\u304a\u6301\u3061\u3067\u3001\u3053\u308c\u3089\u306f70\u6b73\u534a\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09\u306b\u306a\u3063\u305f\u6642\u70b9\u3067\u3001Required Minimum Distribution\uff08RMD\uff09\u3068\u3044\u3063\u3066\u6700\u4f4e\u9650\u5ea6\u984d\u306e\u5f15\u304d\u51fa\u3057\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u305f\u3068\u3048\u5fc5\u8981\u3067\u306a\u304f\u3068\u3082\u3001\u5f15\u304d\u51fa\u3055\u306d\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3067\u3001\u6c7a\u3081\u3089\u308c\u305f\u984d\u3060\u3051\u5f15\u304d\u51fa\u3055\u306a\u3044\u3068\u9ad8\u984d\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u8ab2\u305b\u3089\u308c\u308b\u3082\u306e\u3067\u3059\u3002A\u3055\u3093\u306e\u5834\u5408\u3001401(k)\u3068Traditional IRA\u306e\u6b8b\u9ad8\u304b\u3089RMD\u3092\u8a08\u7b97\u3059\u308b\u3068\u6708\u3005$2,000\u307b\u3069\u306b\u306a\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u3059\u3067\u306b\u5bb6\u306f\u5b8c\u6e08\u6e08\u307f\u3001\u4ed6\u306b\u8ca0\u50b5\u306e\u306a\u3044A\u3055\u3093\u3054\u592b\u5a66\u306f\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068RMD\u306e\u5408\u308f\u305b\u3066\uff046,000\u306e\u53ce\u5165\u306f\u3001\u6708\u3005\u306e\u751f\u6d3b\u8cbb\u306e\u3046\u3061\u306e\u56fa\u5b9a\u8cbb\u3092\u304a\u305d\u3089\u304f\u5341\u5206\u30ab\u30d0\u30fc\u3059\u308b\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u52a0\u3048\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3088\u3063\u3066\u56fa\u5b9a\u53ce\u5165\u3092\u78ba\u4fdd\u3059\u308b\u5fc5\u8981\u306f\u306a\u3044\u3067\u3042\u308d\u3046\u3068\u601d\u308f\u308c\u307e\u3057\u305f\u3002<\/p>\n

\u65c5\u884c\u3084\u30a8\u30f3\u30bf\u30fc\u30c6\u30a4\u30e1\u30f3\u30c8\u306a\u3069\u3001\u8001\u5f8c\u3092\u697d\u3057\u307f\u305f\u3044A\u3055\u3093\u3054\u592b\u5a66\u3067\u3059\u304c\u3001\u305d\u308c\u3089\u306f\u6708\u3005\u56fa\u5b9a\u53ce\u5165\u3067\u30ab\u30d0\u30fc\u3059\u308b\u5fc5\u8981\u306f\u306a\u304f\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u90fd\u5ea6\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u30d9\u30b9\u30c8\u3067\u3059\u3002\u307e\u305f\u3001A\u3055\u3093\u3054\u592b\u5a66\u306f\u5341\u5206\u306a\u8cc7\u7523\u3092\u304a\u6301\u3061\u306a\u306e\u3067\u3001\u5bff\u547d\u3092\u5168\u3046\u3059\u308b\u9593\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u3082\u5c11\u306a\u304f\u3001\u751f\u6daf\u7d66\u4ed8\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u308f\u3056\u308f\u3056\u8cb7\u3046\u5fc5\u8981\u3082\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002<\/p>\n

\u3053\u306eGLWB\u4ed8\u306eVariable Annuity\u306f\u3001\uff21\u3055\u3093\u3054\u592b\u59bb\u306b\u3068\u3063\u3066\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u5c11\u306a\u3044\u5272\u306b\u306f\u624b\u6570\u6599\u304c\u9ad8\u304f\u3001\u8aac\u660e\u8cc7\u6599\u3092\u8a73\u3057\u304f\u8aad\u3093\u3067\u307f\u308b\u3068\u5e74\u9593\uff14\uff5e\uff15\uff05\u3082\u306e\u624b\u6570\u6599\u304c\u5f15\u304b\u308c\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u624b\u6570\u6599\u306e\u4f4e\u3044\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4e2d\u5fc3\u306b\u81ea\u5206\u3067\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u53e3\u5ea7\u3092\u904b\u55b6\u3059\u308b\u307b\u3046\u304c\u7406\u306b\u304b\u306a\u3046\u3068\u3044\u3046\u5224\u65ad\u306e\u3082\u3068\u3001A\u3055\u3093\u3054\u592b\u5a66\u306f\u3053\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u3092\u898b\u9001\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u8cfc\u5165\u3092\u304a\u52e7\u3081\u3057\u305f\u30b1\u30fc\u30b9<\/h2>\n

40\u4ee3\u306eB\u3055\u3093\u3054\u592b\u59bb\u306f\u3001\u3054\u4e3b\u4eba\u306e\u7d66\u4e0e\u3092\u5927\u5207\u306b\u4f7f\u3044401(k)\u3078\u306e\u7a4d\u307f\u7acb\u3066\u3082\u5e74\u9593\u6700\u5927\u9650\u5ea6\u307e\u3067\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u5965\u69d8\u306f\u50cd\u3044\u3066\u304a\u3089\u308c\u307e\u305b\u3093\u3002B\u3055\u3093\u306f\u672c\u5e74\u3001\u5927\u304d\u306a\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u3092\u307e\u304b\u3055\u308c\u3001\u305d\u308c\u304c\u5927\u6210\u529f\u3057\u5927\u304d\u306a\u30dc\u30fc\u30ca\u30b9\u3092\u5f97\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u30dc\u30fc\u30ca\u30b9\u3092\u5c06\u6765\u306e\u305f\u3081\u306b\u3067\u304d\u308b\u9650\u308a\u3046\u307e\u304f\u904b\u7528\u3057\u3088\u3046\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3067\u304d\u308c\u3070\u3001401(k)\u3084IRA\u306e\u3088\u3046\u306b\u7a0e\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u30c4\u30fc\u30eb\u3092\u4f7f\u3063\u3066\u904b\u7528\u304c\u3067\u304d\u308c\u3070\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u304c\u3001401(k)\u306f\u3059\u3067\u306b\u5e74\u9593\u9650\u5ea6\u984d\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u307e\u3059\u3057\u3001\u3054\u4e3b\u4eba\u306f\u9ad8\u53ce\u5165\u306e\u305f\u3081\u3001\u53ce\u5165\u5236\u9650\u306b\u3088\u308aTraditional IRA\u306e\u7a4d\u307f\u7acb\u3066\u63a7\u9664\u306f\u306a\u304f\u3001Roth IRA\u3078\u306e\u7a4d\u307f\u7acb\u3066\u3082\u3067\u304d\u307e\u305b\u3093\u3002\u516c\u7684\u6a5f\u95a2\u306a\u3069\u306b\u304a\u52e4\u3081\u3067\u3042\u308c\u3070\u3001403(b)\u3068457\u306a\u3069\u8907\u6570\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u540c\u6642\u306b\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u305d\u308c\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u81ea\u5206\u3067\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3092\u304a\u6301\u3061\u306a\u3089\u3001SEP IRA\u306a\u3069\u3092\u4f7f\u3063\u3066\u9ad8\u984d\u306e\u7a4d\u307f\u7acb\u3066\u3082\u3067\u304d\u307e\u3059\u304c\u3001\u305d\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3082\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u3075\u3064\u3046\u306e\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u8cc7\u91d1\u904b\u7528\u3057\u305f\u5834\u5408\u3001\u305d\u3082\u305d\u3082\u9ad8\u53ce\u5165\u306eB\u3055\u3093\u3054\u592b\u5a66\u306f\u3001\u6295\u8cc7\u5229\u56de\u308a\u306b\u5bfe\u3057\u975e\u5e38\u306b\u9ad8\u3044\u7a0e\u91d1\u3092\u7d0d\u3081\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u3060\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u307e\u306720\uff5e30\u5e74\u3042\u308b\u306e\u3067\u3001\u5e74\u3005\u306e\u7a0e\u91d1\u3092\u652f\u6255\u3046\u304b\u652f\u6255\u308f\u306a\u3044\u304b\u306f\u6295\u8cc7\u6b8b\u9ad8\u306e\u4f38\u3073\u3092\u5927\u304d\u304f\u5de6\u53f3\u3057\u307e\u3059\u3002\u305d\u3053\u3067\u3001Deferred Variable Annuity\u3092\u304a\u52e7\u3081\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3075\u3060\u3093\u306f\u7c21\u5358\u306b\u306f\u304a\u52e7\u3081\u3057\u306a\u3044\u5546\u54c1\u3067\u3059\u304c\u3001\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3067\u306f\u7a0e\u9045\u5ef6\u306e\u9b45\u529b\u304c\u6700\u5927\u9650\u306b\u4f7f\u3048\u308b\u3068\u306e\u5224\u65ad\u304b\u3089\u3067\u3059\u3002\u305f\u3060\u3001\u5177\u4f53\u7684\u306b\u306f\u624b\u6570\u6599\u304c\u4f4e\u3044Vanguard\u793e\u306e\u5546\u54c1\u3092\u304a\u52e7\u3081\u3057\u307e\u3057\u305f\u3002<\/p>\n

Vanguard\u793e\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u624b\u6570\u6599\u306f\u5e73\u57470.57\uff05\u3001GLWB\u306e\u624b\u6570\u6599\u306f1.20\uff05\u3067\u5408\u308f\u305b\u3066\u30822\uff05\u4ee5\u4e0b\u3067\u3042\u308a\u3001\u4ed6\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5546\u54c1\u3092\u6bd4\u3079\u3066\u3082\u4f4e\u624b\u6570\u6599\u3067\u3057\u305f\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u8003\u616e\u306e\u672bGLWB\u3092\u73fe\u6642\u70b9\u3067\u3042\u3048\u3066\u3064\u3051\u308b\u5fc5\u8981\u3082\u306a\u3044\u3060\u308d\u3046\u3068\u3044\u3046\u5224\u65ad\u304b\u3089\u3001GLWB\u306a\u3057\u3067\u5951\u7d04\u3092\u3057\u307e\u3057\u305f\u3002\u6295\u8cc7\u904b\u7528\u306f\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u4e2d\u5fc3\u306eB\u3055\u3093\u3054\u592b\u5a66\u306b\u9069\u3057\u305f\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3067\u884c\u3044\u307e\u3059\u3002\u5143\u672c\u5272\u308c\u306e\u30ea\u30b9\u30af\u306f\u3042\u308b\u3082\u306e\u306e\u3001GLWB\u306b\u624b\u6570\u6599\u3092\u6255\u3046\u4ee3\u308f\u308a\u306b\u8a08\u7b97\u3055\u308c\u305f\u30ea\u30b9\u30af\u3092\u3068\u308a\u3001\u9577\u671f\u7684\u306b\u904b\u7528\u3059\u308b\u3053\u3068\u3092\u9078\u3073\u307e\u3057\u305f\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306b\u91d1\u878d\u5546\u54c1\u306e\u9078\u629e\u306f\u3001\u5546\u54c1\u81ea\u4f53\u304c\u826f\u3044\u304b\u60aa\u3044\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u306a\u304f\u3001\u3042\u304f\u307e\u3067\u305d\u306e\u65b9\u306e\u30d1\u30fc\u30bd\u30ca\u30eb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u72b6\u6cc1\u3084\u76ee\u6307\u3059\u3082\u306e\u306b\u3088\u3063\u3066\u5224\u65ad\u3059\u3079\u304d\u3082\u306e\u3067\u3059\u3002\u5fc5\u8981\u304c\u3042\u308a\u307e\u3057\u305f\u3089\u3001Smart & Responsible\u306b\u3054\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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