{"id":3254,"date":"2015-03-10T09:57:21","date_gmt":"2015-03-10T17:57:21","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3254"},"modified":"2015-01-29T14:57:37","modified_gmt":"2015-01-29T22:57:37","slug":"utma_ugma","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/utma_ugma\/","title":{"rendered":"UTMA\/UGMA\u53e3\u5ea7\u3068\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9"},"content":{"rendered":"

\u7956\u7236\u6bcd\u304b\u3089\u751f\u524d\u8d08\u4e0e\u3084\u907a\u7523\u3068\u3057\u3066\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u53d7\u3051\u53d6\u308a\u3001\u305d\u308c\u3092\u5b50\u3069\u3082\u306e\u305f\u3081\u306bUTMA\/UGMA\u53e3\u5ea7\u306b\u5165\u308c\u305f\u3068\u3044\u3046\u304a\u8a71\u3092\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u5c06\u6765\u306e\u5b66\u8cc7\u6e96\u5099\u306a\u3069\u306b\u306f\u3074\u3063\u305f\u308a\u306e\u3088\u3046\u306a\u6c17\u304c\u3057\u307e\u3059\u3002\u5b50\u3069\u3082\u304c18\u6b73\u306a\u308a21\u6b73\u306a\u308a\u306e\u4e00\u5b9a\u5e74\u9f62\u306b\u306a\u308b\u307e\u3067\u306f\u3001\u89aa\u304c\u7ba1\u7406\u3092\u5f15\u304d\u53d7\u3051\u308b\u3053\u306eUTNA\/UGMA\u53e3\u5ea7\u3001\u5b9f\u306f\u5927\u5b66\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u306e\u8a08\u7b97\u3067\u306f\u975e\u5e38\u306b\u4e0d\u5229\u306b\u50cd\u304f\u3068\u3044\u3046\u3053\u3068\u3092\u5f8c\u3067\u77e5\u3063\u3066\u982d\u3092\u75db\u3081\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3088\u304f\u805e\u304f\u8a71\u3067\u3059\u3002<\/p>\n

UGMA\u306f\u00a0Uniform Gifts to Minors Act\u3001UTMA\u306fUniform Transfers to Minors Act\u306e\u7565\u3067UGMA\u306e\u5f8c\u306b\u3067\u304d\u305f\u5f8c\u7d99\u306e\u6cd5\u5f8b\u3067\u3042\u308a\u3001\u3069\u3061\u3089\u3082\u672a\u6210\u5e74\u306e\u5b50\u3069\u3082\u3078\u306e\u8ca1\u7523\u306e\u59d4\u8b72\u306b\u3064\u3044\u3066\u898f\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002UTMA\/UGMA\u53e3\u5ea7\u306f\u3001\u30ab\u30b9\u30c8\u30c7\u30a3\u30a2\u30eb\u53e3\u5ea7\u3068\u3082\u547c\u3070\u308c\u307e\u3059\u3002\u89aa\uff08\u3042\u308b\u3044\u306f\u305d\u306e\u4ed6\u306e\u5927\u4eba\uff09\u304c\u30ab\u30b9\u30c8\u30c7\u30a3\u30a2\u30f3\uff08\u7ba1\u7406\u4eba\uff09\u3068\u306a\u308a\u3001\u5b50\u3069\u3082\u304c18\u6b73\u306a\u308a21\u6b73\u306a\u308a\u306e(\u5dde\u306b\u3088\u3063\u3066\u7570\u306a\u308b)\u4e00\u5b9a\u5e74\u9f62\u306b\u9054\u3059\u308b\u307e\u3067\u306f\u3001\u30ab\u30b9\u30c8\u30c7\u30a3\u30a2\u30f3\u304c\u4e00\u5207\u306e\u7ba1\u7406\u3092\u5f15\u304d\u53d7\u3051\u307e\u3059\u3002\u5b50\u3069\u3082\u306f\u30ab\u30b9\u30c8\u30c7\u30a3\u30a2\u306e\u4e86\u89e3\u306a\u3057\u306b\u306f\u52dd\u624b\u306b\u304a\u91d1\u3092\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u89aa\u306e\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u304c\u52b9\u304f\u306e\u3067\u3001\u305d\u306e\u8cc7\u7523\uff08\u53e3\u5ea7\u5185\u306e\u304a\u91d1\uff09\u306f\u3042\u305f\u304b\u3082\u89aa\u306e\u6a29\u9650\u306e\u7bc4\u56f2\u5185\u306e\u3088\u3046\u306b\u52d8\u9055\u3044\u3057\u304c\u3061\u3067\u3059\u304c\u3001UTMA\/UGMA\u53e3\u5ea7\u306b\u304a\u91d1\u3092\u5165\u308c\u305f\u77ac\u9593\u306b\u3001\u5b50\u3069\u3082\u3078\u306e\u8b72\u6e21\u306f\u5b8c\u4e86\u3057\u3066\u304a\u308a\u3001\u305d\u306e\u304a\u91d1\u306f\u5b50\u3069\u3082\u306e\u3082\u306e\u3067\u3059\u3002\u5f8c\u3067\u6c17\u304c\u5909\u308f\u3063\u305f\u306e\u3067\u3001\u89aa\u306e\u30cb\u30fc\u30ba\u306a\u3069\u306b\u305d\u306e\u304a\u91d1\u3092\u4f7f\u3046\u3068\u3044\u3046\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

100\uff05\u5b50\u3069\u3082\u306e\u3082\u306e<\/h2>\n

 <\/p>\n

\u305f\u3068\u3048\u3070\u5bb6\u306e\u982d\u91d1\u306b\u4f7f\u3044\u305f\u3044\u3068\u304b\u3001\u30ea\u30e2\u30c7\u30eb\u306b\u4f7f\u3044\u305f\u3044\u3068\u304b\u3001\u4e0b\u306b\u5f1f\u3084\u59b9\u304c\u751f\u307e\u308c\u305f\u306e\u3067UTMA\/UGMA\u53e3\u5ea7\u3092\u4e8c\u3064\u306b\u5206\u3051\u3066\u305d\u308c\u305e\u308c\u306b\u8a2d\u5b9a\u3057\u306a\u304a\u3057\u305f\u3044\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u306f\u7c21\u5358\u306b\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u3042\u304f\u307e\u3067\u305d\u306e\u304a\u91d1\u306f\u53e3\u5ea7\u3092\u5f53\u521d\u958b\u3044\u305f\u540d\u7fa9\u306e\u5b50\u3069\u3082\u306e\u6240\u6709\u3067\u3001\u300c\u305d\u306e\u5b50\u306e\u5229\u76ca\u306e\u305f\u3081\u306b\u300d\u4f7f\u308f\u308c\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u30eb\u30fc\u30eb\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u300c\u305d\u306e\u5b50\u306e\u5229\u76ca\u306e\u305f\u3081\u306b\u300d\u3068\u3044\u3046\u306e\u306f\u306a\u304b\u306a\u304b\u30b0\u30ec\u30fc\u30be\u30fc\u30f3\u3067\u3082\u3042\u308a\u3001\u5b50\u3069\u3082\u306e\u4f4f\u3080\u5bb6\u306e\u30ea\u30e2\u30c7\u30eb\u304c\u305d\u306e\u985e\u304b\u306f\u304b\u306a\u308a\u5fae\u5999\u306a\u3068\u3053\u308d\u3067\u3059\u3002\u5b9f\u969b\u3001\u3053\u306e\u3088\u3046\u306a\u5229\u7528\u3067\u6cd5\u7684\u306a\u554f\u984c\u306b\u89aa\u304c\u5dfb\u304d\u8fbc\u307e\u308c\u305f\u3068\u3044\u3046\u306e\u306f\u3042\u307e\u308a\u805e\u304d\u307e\u305b\u3093\u304c\u3001\u6cd5\u5f8b\u306f\u6cd5\u5f8b\u306a\u306e\u3067\u3001\u4f55\u304b\u306e\u6642\u306b\u306f\u305d\u306e\u304a\u91d1\u304c\u305d\u306e\u5b50\u306e\u5229\u76ca\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u305f\u3053\u3068\u3092\u8a3c\u660e\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u304a\u304f\u306e\u304c\u8ce2\u660e\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u3078\u306e\u5f71\u97ff<\/h2>\n

 <\/p>\n

UTMA\/UGMA\u53e3\u5ea7\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u306e\u8a08\u7b97\u5f0f\u3067\u306f\u3001\u5b50\u3069\u3082\u306e\u8cc7\u7523\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u3053\u3068\u306f\u524d\u56de\u306e\u8a18\u4e8b\u3067\u66f8\u304d\u307e\u3057\u305f\u3002\u89aa\u306e\u8cc7\u7523\u306f\u3042\u308b\u7a0b\u5ea6\uff08$40,000\uff5e$45,000\u304f\u3089\u3044\u304c\u76ee\u5b89\uff09\u307e\u3067\u306f\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u305a\u3001\u305d\u306e\u5f8c\u3082\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3066\u30825.64\uff05\u306e\u7387\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u5b50\u3069\u3082\u306e\u8cc7\u7523\u306f\u305d\u306e20\uff05\u304c\u8003\u616e\u3055\u308c\u53d7\u3051\u3089\u308c\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u3092\u5287\u7684\u306b\u6e1b\u3089\u3057\u307e\u3059\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u89aa\u306eAGI\uff08Adjusted Gross Income\uff09\u304c$50,000\u4ee5\u4e0b\u3067\u3001\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u30671040A\u304b1040EZ\u3067\u30d5\u30a1\u30a4\u30eb\u3059\u308b\u8cc7\u683c\u304c\u3042\u308b\u306a\u3089\u3070\u3001FAFSA\u306b\u304a\u3044\u3066\u89aa\u306e\u8cc7\u7523\u3082\u5b50\u3069\u3082\u306e\u8cc7\u7523\u3082\u3059\u3079\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u3067\u6e08\u307f\uff08Simplified FAFSA\uff09\u3068\u3044\u3046\u7279\u5225\u51e6\u7f6e\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u306f\u3001UTMA\/UGMA\u53e3\u5ea7\u304c\u3069\u308c\u3060\u3051\u3042\u3063\u3066\u3082\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u306f\u5fc3\u914d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u30021040A\u304b1040EZ\u306f\u53ce\u5165\u304c$100,000\u4ee5\u4e0b\u3067\u3001\u7d66\u4e0e\u6240\u5f97\u3092\u5f97\u3066\u3044\u308b\u4eba\u304c\u5bfe\u8c61\u3068\u306a\u3063\u3066\u304a\u308a\uff08\u4ed6\u306b\u3082\u7d30\u304b\u3044\u898f\u5b9a\u3042\u308a\uff09\u3001\u81ea\u55b6\uff08Self Employed\uff09\u306e\u4eba\u306f\u6b8b\u5ff5\u306a\u304c\u3089\u5bfe\u8c61\u306b\u306a\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u30b1\u30fc\u30b9\u306b\u8a72\u5f53\u3059\u308b\u5834\u5408\u306b\u9650\u308a\u3001UTMA\/UGMA\u53e3\u5ea7\u306e\u6b8b\u9ad8\u304c\u3069\u3093\u306a\u306b\u5927\u304d\u304f\u3066\u3082\u5fc3\u914d\u4e0d\u8981\u3067\u3059\u3002<\/p>\n

.<\/p>\n

UTMA\/UGMA529\u53e3\u5ea7\u3078\u306e\u79fb\u884c<\/h2>\n

 <\/p>\n

UTMA\/UGMA\u53e3\u5ea7\u306f\u5b50\u3069\u3082\u306e\u8cc7\u7523\u3068\u3057\u3066\u305d\u306e20\uff05\u304c\u30a8\u30a4\u30c9\u3092\u6e1b\u3089\u3059\u306e\u306b\u5bfe\u3057\u3001529\u30ab\u30ec\u30c3\u30b8\u30d5\u30a1\u30f3\u30c9\u306f\u5b50\u3069\u3082\u306e\u305f\u3081\u306b\u4f7f\u308f\u308c\u308b\u3079\u304d\u8cc7\u7523\u3067\u3042\u3063\u3066\u3082\u3001\u3042\u304f\u307e\u3067\u89aa\u306e\u8cc7\u7523\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u30015.64\uff05\u306e\u307f\u304c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u3060\u3051\u3067\u3059\u3002\u901a\u5e38\u306e529\u53e3\u5ea7\u3067\u306f\u3001\u89aa\u304c\u6240\u6709\u8005\u3001\u5b50\u3069\u3082\u304c\u30d9\u30cd\u30d5\u30a3\u30b7\u30a2\u30ea\u30fc\u3067\u3059\u304c\u3001\u3053\u308c\u306b\u5bfe\u3057UTMA\/UGMA529\uff08\u3042\u308b\u3044\u306f\u30ab\u30b9\u30c8\u30c7\u30a3\u30a2\u30eb529)\u53e3\u5ea7\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308a\u3001\u3053\u308c\u306f\u5b50\u3069\u3082\u304c\u6240\u6709\u8005\u3067\u3059\u304c\u3001\u305d\u308c\u3067\u3082\u89aa\u306e\u8cc7\u7523\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u3068\u3044\u3046\u7279\u5225\u51e6\u7f6e\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u70b9\u3092\u8003\u616e\u3057\u3001UTMA\/UGMA\u53e3\u5ea7\u306e\u304a\u91d1\u3092UTMA\/UGMA529\u53e3\u5ea7\u306b\u79fb\u3057\u3066\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u3092\u591a\u304f\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070UGMA\/UTMA\u53e3\u5ea7\u306b$50,000\u3042\u3063\u305f\u5834\u5408\u3001\u3053\u306e20\uff05\u306b\u3042\u305f\u308b$10,000\u5206\u304c\u30a8\u30a4\u30c9\u3092\u6e1b\u3089\u3059\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u305f\u3068\u3053\u308d\u3001UGMA\/UTMA529\u306b\u79fb\u3059\u3053\u3068\u3067\u30015.64\uff05\u306e$2,820\u306e\u307f\u3057\u304b\u30a8\u30a4\u30c9\u6e1b\u306b\u5f71\u97ff\u3057\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u5dee$7,180\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u3053\u308c\u306fEFC\uff08Expected Family Contribution=\u81ea\u5df1\u8ca0\u62c5\u4e88\u60f3\u984d\uff09\u304c$7,180\u6e1b\u3063\u3066\u3001\u53cd\u5bfe\u306b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30cb\u30fc\u30ba\u304c$7,180\u5897\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u610f\u5473\u3059\u308b\u3060\u3051\u3067\u3001\u5b9f\u969b\u306e\u30a8\u30a4\u30c9\u984d\u306f\u5b66\u6821\u3054\u3068\u306b\u9055\u3046\u3067\u3057\u3087\u3046\u3057\u3001\u3053\u306e$7,180\u306e\u30a8\u30a4\u30c9\u306e\u5185\u8a33\u306f\u30b0\u30e9\u30f3\u30c8\u3060\u3063\u305f\u308a\u30ed\u30fc\u30f3\u3060\u3063\u305f\u308a\u3068\u307e\u3061\u307e\u3061\u3067\u3057\u3087\u3046\u304b\u3089\u3001UTMA\/UGMA529\u306b\u3059\u308b\u3068$7,180\u4f59\u5206\u306b\u30d5\u30ea\u30fc\u30de\u30cd\u30fc\u304c\u3082\u3089\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u77ed\u7d61\u7684\u306b\u610f\u5473\u3059\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3042\u3057\u304b\u3089\u305a\u3002\u307e\u305f\u3001FAFSA\u306e\u4ee3\u308f\u308a\u306bPROFILE\u3092\u4f7f\u3046\u79c1\u7acb\u5927\u5b66\u306a\u3069\u3067\u306f\u3001529\u53e3\u5ea7\u81ea\u4f53\uff08\u666e\u901a\u306e529\u3067\u3042\u308cUTMA\/UGMA529\u3067\u3042\u308d\u3046\u3068\uff09\u3092\u5b50\u3069\u3082\u306e\u8cc7\u7523\u3068\u3057\u3066\u8a08\u7b97\u3057\u307e\u3059\u306e\u3067\u3001\u4e0a\u306e\u64cd\u4f5c\u306f\u610f\u5473\u3092\u306a\u3057\u307e\u305b\u3093\u3002<\/p>\n

\u307e\u305f\u3001\u901a\u5e38\u306e529\u53e3\u5ea7\u3067\u306f\u30d9\u30cd\u30d5\u30a3\u30b7\u30a2\u30ea\u30fc\u306e\u5909\u66f4\uff08\u5144\u304b\u3089\u5f1f\u306a\u3069\u5bb6\u65cf\u5185\u306b\u9650\u308b\uff09\u304c\u81ea\u7531\u306b\u3067\u304d\u307e\u3059\u304c\u3001UTMA\/UGMA529\u3067\u306f\u305d\u308c\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u5f53\u521d\u306e\u5b50\u3069\u3082\u306e\u6240\u6709\u3067\u3042\u308a\u3001\u5b50\u3069\u3082\u304c18\u6b73\u306a\u308a21\u6b73\u306e\u898f\u5b9a\u306e\u5e74\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u3001\u6240\u6709\u3068\u7ba1\u7406\u306e\u6a29\u9650\u306f\u5b8c\u5168\u306b\u5b50\u3069\u3082\u306b\u79fb\u308a\u307e\u3059\u3002\u306a\u304a\u3001UTMA\/UGMA\u53e3\u5ea7\u3092\u901a\u5e38\u306e529\u53e3\u5ea7\u306b\u79fb\u3059\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u5fc5\u305aUTMA\/UGMA529\u53e3\u5ea7\u3067\u3042\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

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 <\/p>\n

\u4f7f\u3063\u3066\u3057\u307e\u3046\u306e\u3082\u3044\u3044\u304b\u3082<\/h2>\n

\u5b50\u3069\u3082\u306e\u5b66\u8cc7\u305f\u3081\u306b\u3068\u8caf\u3081\u3066\u304a\u3044\u305fUTMA\/UGMA\u53e3\u5ea7\u3067\u3059\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30b7\u30e3\u30eb\u30a8\u30a4\u30c9\u306b\u90aa\u9b54\u3068\u306a\u308b\u306a\u3089\u3001\u601d\u3044\u5207\u3063\u3066\u5927\u5b66\u306b\u5165\u308b\u524d\u306b\u304a\u5b50\u3055\u3093\u306e\u305f\u3081\u306b\u53e3\u5ea7\u306e\u304a\u91d1\u3092\u4f7f\u3046\u3068\u3044\u3046\u306e\u3082\u6709\u52b9\u306a\u7b56\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4e2d\u5b66\u6821\u3001\u9ad8\u6821\u306e\u5b66\u8cbb\u3084\u5b66\u6821\u95a2\u4fc2\u306e\u8cbb\u7528\u3001\u30af\u30e9\u30d6\u6d3b\u52d5\u3084\u7fd2\u3044\u4e8b\u306e\u8cbb\u7528\u3001\u30b5\u30de\u30fc\u30ad\u30e3\u30f3\u30d7\u3084\u587e\u3001\u30d1\u30bd\u30b3\u30f3\u3084\u697d\u5668\u3001\u30b9\u30dd\u30fc\u30c4\u7528\u54c1\u306a\u3069\u306f\u3082\u3061\u308d\u3093\u306e\u3053\u3068\u3001\u666e\u6bb5\u306e\u751f\u6d3b\u8cbb\u3067\u3082\u304a\u5b50\u3055\u3093\u306e\u305f\u3081\u3067\u3042\u308c\u3070\u5408\u6cd5\u7684\u306b\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5ff5\u306e\u305f\u3081\u30ec\u30b7\u30fc\u30c8\u306f\u304d\u3061\u3093\u3068\u3068\u3063\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

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