{"id":3330,"date":"2015-06-23T09:43:04","date_gmt":"2015-06-23T17:43:04","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3330"},"modified":"2020-01-16T13:39:28","modified_gmt":"2020-01-16T21:39:28","slug":"retirementplanning3","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirementplanning3\/","title":{"rendered":"\u3053\u306e\u307e\u307e\u3067\u3044\u3044\u306e\u304b\u306a\uff01 – \u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30cb\u30f3\u30b0(3)"},"content":{"rendered":"

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\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3<\/h1>\n

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

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\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\uff11<\/h1>\n

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\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\uff12<\/h1>\n

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\u307e\u305f\u300162\u6b73\u304b\u3089\u53d7\u7d66\u3059\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306f\u30d5\u30eb\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c867\u6b73\u3067\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u53d7\u7d66\u984d\u3088\u308a\u3082\u5927\u5e45\u306b\u6e1b\u984d\u3055\u308c\u308b\u305f\u3081\u3001\u3055\u3089\u306b401(k)\u306e\u67af\u6e07\u3092\u65e9\u3081\u308b\u3053\u3068\u306b\u306a\u308b\u3002<\/p>\n

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65\u6b73\u306864\u6b73\u306e\u3054\u592b\u5a66\u3002\u3054\u4e3b\u4eba\u306e\u5e74\u53ce\u306f$180,000\u306770\u6b73\u307e\u3067\u50cd\u304d\u7d9a\u3051\u308b\u3064\u3082\u308a\u3002SEP\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\uff08\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u5411\u3051IRA)\u306b\u306f\u5e74\u9593\u3001\u5e74\u53ce\u306e10\uff05\u3000$18,000\u3092\u7a4d\u307f\u7acb\u3066\u4e2d\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u6b8b\u9ad8\u306f$800,000\u307b\u3069\u3067\u3001\u305d\u308c\u3068\u306f\u5225\u306b$500,000\u7a0b\u5ea6\u306e\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\u3082\u3042\u308b\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306f\u5e74\u9593$100,000\u304f\u3089\u3044\u3067\u751f\u6d3b\u3057\u3001\u65c5\u884c\u3084\u8da3\u5473\u3092\u697d\u3057\u307f\u305f\u3044\u300270\u6b73\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u524d\u306b\u3001\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u4e00\u90e8\u89e3\u7d04\u3057\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u3092\u52e7\u3081\u3089\u308c\u3066\u3044\u308b\u306e\u3067\u3001\u8cb7\u3046\u3079\u304d\u304b\u60a9\u3093\u3067\u3044\u308b\u3002<\/p>\n

70\u6b73\u307e\u3067\u50cd\u304d\u7d9a\u3051\u3089\u308c\u308b\u3053\u3068\u3067\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u53d7\u53d6\u984d\u306f\u6700\u5927\u5316\u3055\u308c\u308b\u3002\u3054\u4e3b\u4eba\u3068\u5965\u69d8\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u53d7\u7d66\u984d\u306b\u52a0\u3048\u300170\u6b73\u534a\u3092\u904e\u304e\u305f\u6642\u70b9\u3067SEP\u30d7\u30e9\u30f3\u306eRequired Minimum Distribution\uff08RMD\u300270\u6b73\u3068\u534a\u5e74<\/del>\u3092\u904e\u304e\u305f\u6642\u70b9\u3067\u3001\u305f\u3068\u3048\u5f15\u304d\u51fa\u3057\u305f\u304f\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u5fc5\u8981\u3068\u3055\u308c\u308b\u6cd5\u7684\u306b\u6c7a\u3081\u3089\u308c\u305f\u984d **\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09 \uff09\u304c\u767a\u751f\u3002SEP\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u6b8b\u9ad8\u304c70\u6b73\u534a\u306e\u6642\u70b9\u3067\u3044\u304f\u3089\u306b\u306a\u3063\u3066\u3044\u308b\u304b\u306f\u78ba\u304b\u306a\u3053\u3068\u306f\u308f\u304b\u3089\u306a\u3044\u3082\u306e\u306e\u3001\u3053\u306e\u307e\u307e\u306e\u7a4d\u307f\u7acb\u3066\u30da\u30fc\u30b9\u306e\u307e\u307e\uff16\uff05\u5229\u56de\u308a\u3067\u5897\u3048\u308c\u3070$1.2\u30df\u30ea\u30aa\u30f3\u304f\u3089\u3044\u307e\u3067\u5897\u3048\u3001\u305d\u306e\u5834\u5408\u306eRMD\u306f\u5e74\u9593$45,000\u7a0b\u5ea6\u306b\u306a\u308b\u3002<\/p>\n

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