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<\/p>\n
\u305f\u3060\u501f\u91d1\u30d5\u30ea\u30fc\u304c\u3046\u308c\u3057\u3044\u3068\u3044\u3046\u5fc3\u7406\u7684\u306a\u3082\u306e\u306f\u3055\u3066\u304a\u304d\u3001\u501f\u91d1\u304c\u306a\u3044\u8001\u5f8c\u306f\u306a\u305c\u3088\u3044\u306e\u3067\u3057\u3087\u3046\u3002<\/p>\n
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<\/p>\n
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401(k)\u306fTraditional IRA\u3068\u540c\u69d8\u3001\u6240\u5f97\u7a0e\u5dee\u3057\u5f15\u304d\u524d\u3067\u7a4d\u307f\u7acb\u3066\u3092\u3057\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u9593\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u5f8c\u3001\u5229\u56de\u308a\u306f\u7a0e\u9045\u5ef6\u3067\u904b\u7528\u3055\u308c\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u6295\u8cc7\u3092\u3057\u3066\u3044\u308b\u9593\u5229\u56de\u308a\u306b\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u53cd\u9762\u3001\u5f15\u304d\u51fa\u3057\u3066\u304a\u91d1\u3092\u4f7f\u3046\u6bb5\u306b\u306a\u308b\u3068\u3001\u5f15\u304d\u51fa\u3057\u305f\u5168\u984d\u306b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u304b\u304b\u308b\u6240\u5f97\u7a0e\u306e\u7a0e\u7387\u306f\u3001\u305d\u306e\u6642\u306e\u6240\u5f97\u306b\u3088\u308a\u307e\u3059\u3002\u901a\u5e38\u306f\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u308b\u52e4\u52b4\u671f\u9593\u306e\u6240\u5f97\u3088\u308a\u3001\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306e\u6240\u5f97\u306e\u307b\u3046\u304c\u5c11\u306a\u3044\u3053\u3068\u304c\u3075\u3064\u3046\u3067\u3059\u306e\u3067\u3001\u5927\u304d\u304f\u8caf\u3081\u3066\u5c0f\u3055\u304f\u7a0e\u3092\u6255\u3046\u3068\u3044\u3046\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u3057\u304b\u3057\u306a\u304c\u3089\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u306e\u3088\u3046\u306b\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3068\u3001\u305d\u306e\u5168\u90e8\u306b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u306e\u3067\u3001\u5f15\u304d\u51fa\u3059\u984d\u306b\u3088\u3063\u3066\u306f\u7a0e\u304c\u91cd\u304f\u306e\u3057\u304b\u304b\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u7279\u306b\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u76f4\u5f8c\u306b\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u3092\u884c\u3063\u305f\u305f\u3081\u3001\u52e4\u52b4\u6240\u5f97\u3068401(k)\u5f15\u304d\u51fa\u3057\u304c\u540c\u3058\u5e74\u306b\u307e\u3068\u307e\u308b\u3068\u7279\u306b\u5927\u304d\u306a\u7a0e\u8ca0\u62c5\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002\u305f\u3068\u3048\u3070\u3001\u5e74\u53ce$180,000\u306e\u65b9\u304c\u3042\u308b\u5e74\u306e10\u6708\u3044\u3063\u3071\u3044\u3067\u30ea\u30bf\u30a4\u30e4\u3057\u300111\u6708\u306b401(k)\u304b\u3089$100,000\u3092\u5f15\u304d\u51fa\u3057\u3092\u3057\u3066\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u3092\u884c\u3063\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n
10\u6708\u672b\u307e\u3067\u306e\u6240\u5f97\u306f\u3001$180,000\uff5810\u30f6\u6708\/12\u30f6\u6708\u3067$150,000\u3002\u3053\u308c\u306b\u52a0\u3048\u3001401(k)\u304b\u3089\u5f15\u304d\u51fa\u3057\u305f$100,000\u3082\u6240\u5f97\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u3059\u306e\u3067\u3001\u305d\u306e\u5e74\u306e\u6240\u5f97\u306f$250,000\u3068\u3044\u3046\u984d\u306b\u306a\u308a\u307e\u3059\u3002\u901a\u5e38\u306e\u5e74\u53ce$180,000\u3067\u3042\u308c\u3070\u6700\u9ad8\u7a0e\u7387\uff08\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\uff09\u304c28\uff05\u3067\u3042\u308b\u3068\u3053\u308d\u3001\u6240\u5f97\u304c\u5897\u3048$250,000\u306b\u306a\u308b\u3068\u6700\u9ad8\u7a0e\u7387\u306f33\uff05\u306b\u4e0a\u304c\u308a\u307e\u3059\uff08Married Filing Jointly\u3092\u60f3\u5b9a\uff09\u3002\u6240\u5f97\u81ea\u4f53\u304c\u5897\u3048\u3066$250,000\u306b\u307e\u308b\u307e\u308b\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u3046\u3048\uff08\u5b9f\u969b\u306b\u306f\u3053\u3053\u304b\u3089\u3042\u308b\u7a0b\u5ea6\u306e\u63a7\u9664\u304c\u3042\u308a\u307e\u3059\u304c\uff09\u3001\u6700\u9ad8\u7a0e\u7387\u304c\uff15\uff05\u4e0a\u304c\u3063\u305f\u305f\u3081\u3055\u3089\u306b\u7a0e\u91d1\u304c\u5897\u3048\u308b\u3068\u3044\u3046\u30c0\u30d6\u30eb\u30d1\u30f3\u30c1\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u3082\u3057\u3082\u3069\u3046\u3057\u3066\u3082401(k)\u30de\u30cd\u30fc\u3067\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u304c\u5fc5\u8981\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u5b8c\u5168\u306b\u30ea\u30bf\u30a4\u30e4\u3092\u3057\u305f\u5f8c\u6240\u5f97\u304c\u4e0b\u304c\u3063\u3066\u304b\u3089\u3001\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u8a08\u3063\u3066\u8fd4\u6e08\u3059\u308b\u307b\u3046\u304c\u8ce2\u660e\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u4e0a\u306e\u4f8b\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u7fcc\u5e74\u306f\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3084401(k)\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u304b\u3089\u306e\u300c\u751f\u6d3b\u8cbb\u306e\u305f\u3081\u300d\u306e\u5f15\u304d\u51fa\u3057\u306e\u5408\u8a08\u304c$70,000\u3060\u3068\u3059\u308b\u3068\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u306e\u305f\u3081\u306e\u5f15\u304d\u51fa\u3057\u306e$100,000\u3068\u5408\u308f\u305b\u3066$170,000\u306e\u6240\u5f97\u306b\u306a\u308a\u3001\u6700\u9ad8\u7a0e\u7387\u306f28\uff05\u306e\u307e\u307e\u3067\u3059\u3002\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u3053\u3068\u306f\u514d\u308c\u3048\u307e\u305b\u3093\u304c\u3001\u5c11\u306a\u304f\u3068\u3082\u6700\u9ad8\u7a0e\u7387\u3092\u6291\u3048\u308b\u3053\u3068\u306f\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u56f3\u308b\u3053\u3068\u3067\u53ef\u80fd\u306a\u5834\u5408\u3082\u591a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u3053\u308c\u306f\u3069\u3046\u3057\u3066\u3082\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u304c\u5fc5\u8981\u306a\u5834\u5408\u3067\u3042\u3063\u3066\u3001\u4e00\u822c\u7684\u306b\u306f401(k)\u3067\u306e\u8fd4\u6e08\u306f\u304a\u52e7\u3081\u3057\u306a\u3044\u3053\u3068\u306b\u306f\u5909\u308f\u308a\u304c\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n
<\/p>\n
\u30e2\u30fc\u30b2\u30fc\u30b8\u3092401(k)\u3067\u8fd4\u6e08\u3057\u306a\u3044\u307b\u3046\u304c\u3044\u3044\u7406\u7531\u306e\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u305d\u308c\u306b\u3088\u3063\u3066\u7a7a\u304f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3078\u306e\u7a74\u3067\u3059\u3002\u4e0a\u306e\u4f8b\u306e\u3088\u3046\u306b$100,000\u3092\u5f15\u304d\u51fa\u3057\u3066\u5229\u7528\u3059\u308b\u5834\u5408\u3001\u7a0e\u7387\u306b\u3088\u308a\u307e\u3059\u304c$30,000\u8fd1\u304f\u306e\u6240\u5f97\u7a0e\u3092\u7d0d\u3081\u308b\u3053\u3068\u306b\u306a\u308a\u3001$30,000\u3092\u4ed6\u304b\u3089\u637b\u51fa\u3059\u308b\u306a\u3089\u5225\u3067\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u306a\u3089\u7d50\u5c40401(k)\u304b\u3089$130,000\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u5341\u4e8c\u5206\u306b\u8caf\u3081\u3066\u3044\u308b\u306e\u3067$130,000\u304f\u3089\u3044\u6e1b\u3063\u3066\u3082\u307e\u3063\u305f\u304f\u554f\u984c\u306f\u306a\u3044\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u5225\u3067\u3059\u304c\u3001\u3053\u306e$130,000\u304c\u3042\u308b\u304b\u306a\u3044\u304b\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u5e95\u3092\u5c3d\u304d\u305a\u6700\u5f8c\u307e\u3067\u3082\u3064\u304b\u3069\u3046\u304b\u306e\u702c\u6238\u969b\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u73fe\u5728\u306e\uff15\uff05\u306e\u904b\u7528\u5229\u56de\u308a\u3067\u6301\u3061\u7d9a\u3051\u305f\u5834\u5408\u3001\u3053\u308c\u306f\u5e74\u3005$6,500\u306e\u5229\u76ca\u3092\u751f\u307f\u307e\u3059\u3002\uff16\uff05\u306e\u904b\u7528\u5229\u56de\u308a\u306a\u3089\u3070\u3001$7,800\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u904b\u7528\u5229\u76ca\u306f\u7a0e\u9045\u5ef6\u3067\u6295\u8cc7\u5143\u672c\u306b\u52a0\u7b97\u3055\u308c\u3001\u305d\u306e\u307e\u307e\u624b\u4ed8\u304b\u305a\u3067\u6301\u3061\u7d9a\u3051\u308c\u307010\u5e74\u5f8c\u306b\u306f$200,000\u8d85\u307e\u3067\u5897\u3048\u307e\u3059\u3002<\/p>\n
\u4e00\u65b9\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u5229\u5b50\u304c\uff14\uff05\u3068\u3059\u308b\u306a\u3089\u3001$130,000\u306b\u304b\u304b\u308b\u5e74\u9593\u306e\u5229\u5b50\u306f\uff045,200\uff08\u3053\u306e\u5229\u5b50\u306f\u3001\u5e74\u3005\u8fd4\u6e08\u304c\u9032\u3080\u306b\u9023\u308c\u3066\u3001\u984d\u304c\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u304c\uff09\u3067\u3059\u3002\u3064\u307e\u308a\u3001401(k)\u30de\u30cd\u30fc\u3067\u30e2\u30fc\u30b2\u30fc\u30b8\u8fd4\u6e08\u3057\u306a\u3044\u3068\u4e00\u5e74\u3067$5,200\u307b\u3069\u306e\u5229\u5b50\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u5229\u5b50\u306f\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u3067Itemized Deduction\u3092\u9078\u3079\u3070\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u305d\u306e\u4eba\u306e\u6700\u9ad8\u7a0e\u7387\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u7a0e\u63a7\u9664\u306e\u52b9\u679c\u3092\u8003\u3048\u5408\u308f\u305b\u308b\u3068\u5dee\u3057\u5f15\u304d$3,900\u524d\u5f8c\u306e\u6301\u3061\u51fa\u3057\u8cbb\u7528\u3067\u3059\u3002\u5e74\u9593$3,900\u524d\u5f8c\u306e\u8cbb\u7528\u3092\u524a\u6e1b\u3059\u308b\u304c\u305f\u3081\u306b\u3001\uff15\uff05\u3068\u304b\uff16\uff05\u306e\u5229\u56de\u308a\u3092\u898b\u904e\u3054\u3059\u306e\u306f\u3061\u3087\u3063\u3068\u3082\u3063\u305f\u3044\u306a\u3044\u3088\u3046\u306a\u6c17\u304c\u3057\u307e\u3059\u3002<\/p>\n
\u3082\u3061\u308d\u3093\u3053\u308c\u306f\u4e00\u822c\u7684\u306a\u4f8b\u3067\u3059\u306e\u3067\u3001\u5b9f\u969b\u306b\u306f\u305d\u308c\u305e\u308c\u306e\u30b1\u30fc\u30b9\u3067\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u8a08\u7b97\u3092\u3057\u3066\u6c7a\u3081\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30e2\u30fc\u30b2\u30fc\u30b8\u6b8b\u9ad8\u3001\u5229\u5b50\u3001\u6700\u9ad8\u7a0e\u7387\u3001401(k)\u306e\u4e88\u60f3\u3055\u308c\u308b\u5229\u56de\u308a\u3001\u624b\u6570\u6599\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u7523\u306e\u5927\u304d\u3055\u3001\u5bff\u547d\u3001\u6708\u3005\u306e\u751f\u6d3b\u8cbb\u3084\u305d\u306e\u4ed6\u306e\u500b\u3005\u4eba\u306e\u72b6\u6cc1\u3092\u7dcf\u5408\u7684\u306b\u8003\u3048\u5408\u308f\u305b\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
<\/p>\n
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