\uff12\u56de\u306b\u5206\u3051\u3066Transamerica Center for Retirement Studies\u3068\u3044\u3046\u975e\u55b6\u5229\u56e3\u4f53\u304c\u5b9a\u671f\u7684\u306b\u884c\u3063\u3066\u3044\u308b\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u3064\u3044\u3066\u306e\u30a2\u30e1\u30ea\u30ab\u4eba\u306e\u59ff\u52e2\u8abf\u67fb\u306e\u7d50\u679c\u3092\u8e0f\u307e\u3048\u3066\u30ec\u30dd\u30fc\u30c8\u3092\u66f8\u3044\u3066\u3044\u307e\u3059\u3002\u5148\u9031\u524d\u534a\u3067\u4eca\u56de\u306f\u5f8c\u534a\u3067\u3059\u3002<\/p>\n
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50\u6b73\u73fe\u5f79\u7d44\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u7a4d\u7acb\u6b8b\u9ad8\u306e\u4e2d\u592e\u5024\u306f$135,000\u3067\u3042\u308a\u3001\u3053\u308c\u306f\u6c7a\u3057\u3066\u9ad8\u3044\u6570\u5b57\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u30b7\u30f3\u30b0\u30eb\u306e\u4e2d\u592e\u5024\u304c$53,000\u3001\u65e2\u5a5a\u8005\u306e\u305d\u308c\u304c$225,000\u3068\u3044\u3046\u958b\u304d\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u65e2\u30ea\u30bf\u30a4\u30e4\u7d44\u3067\u306f\u30b7\u30f3\u30b0\u30eb\u306e\u4e2d\u592e\u5024\u304c$48,000\u3001\u65e2\u5a5a\u8005\u306e\u305d\u308c\u304c$177,000\u3068\u3044\u3046\u958b\u304d\u304c\u3042\u308a\u307e\u3057\u305f\u3002<\/p>\n
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\u65e2\u30ea\u30bf\u30a4\u30e4\u7d44\u3067\u3001\u78ba\u5b9a\u7d66\u4ed8\u578b\uff08\u4f01\u696d\u5e74\u91d1\u306a\u3069\uff09\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u306e\u306f46\uff05\u3001401(K)\u306a\u3069\u306e\u78ba\u5b9a\u62e0\u51fa\u578b\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u306e\u304c55\uff05\u3067\u3042\u308a\u300150\u6b73\u4ee5\u4e0a\u73fe\u5f79\u7d44\u3067\u306f\u3001\u78ba\u5b9a\u7d66\u4ed8\u578b\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u306e\u304c24\uff05\u3001\u78ba\u5b9a\u62e0\u51fa\u578b\u306f55\uff05\u3067\u3057\u305f\u3002\u3053\u306e\u4e2d\u3067\u53c2\u52a0\u3067\u304d\u308b\u78ba\u5b9a\u62e0\u51fa\u578b\u304c\u3042\u308b\u3068\u30ec\u30dd\u30fc\u30c8\u3057\u3066\u3044\u308b\u306e\u306f68\uff05\u3067\u3059\u300250\u6b73\u3092\u8d85\u3048\u305f\u5c64\u3067\u3042\u3063\u3066\u3082\u3001\u78ba\u5b9a\u62e0\u51fa\u578b\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u5229\u7528\u3067\u304d\u308b\u306e\u306b\u3001\u5229\u7528\u3057\u3066\u3044\u306a\u3044\u30b0\u30eb\u30fc\u30d7\u304c13\uff05\u3082\u3044\u308b\u3053\u3068\u306f\u6b8b\u5ff5\u306a\u3053\u3068\u3067\u3059\u3002<\/p>\n
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\u65e2\u30ea\u30bf\u30a4\u30e4\u7d44\u306e68\uff05\u300150\u6b73\u4ee5\u4e0a\u73fe\u5f79\u7d44\u306e64\uff05\u304c\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30ed\u30b0\u30e9\u30e0\u4ee5\u5916\u306b\u3082\u8cc7\u91d1\u6e96\u5099\u3092\u3057\u305f\u3001\u3042\u308b\u3044\u306f\u3057\u3066\u3044\u308b\u3068\u7b54\u3048\u307e\u3057\u305f\u3002\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u30d7\u30ed\u30b0\u30e9\u30e0\u3084\u624b\u6bb5\u3092\u4f7f\u3063\u305f\u304b\u306b\u3064\u3044\u3066\u306f\u3001\u65e2\u30ea\u30bf\u30a4\u30e4\u7d44\u3067\u306f62\uff05\u304cSaving Accounts\u300155\uff05\u304c\u6301\u3061\u5bb6\u300144\uff05\u304cIRA\u300139\uff05\u304c\u751f\u547d\u4fdd\u967a\u300124\uff05\u304c\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u7b54\u3048\u305f\u306e\u306b\u5bfe\u3057\u300150\u6b73\u4ee5\u4e0a\u73fe\u5f79\u7d44\u3067\u306f\u3001\u305d\u308c\u305e\u308c65\uff05\u300134\uff05\u300154\uff05\u300132\uff05\u300118\uff05\u3067\u3057\u305f\u3002\u3069\u3061\u3089\u3082Saving Accounts\u304c\u591a\u3044\u3068\u3044\u3046\u306e\u306f\u5c11\u3057\u9a5a\u304d\u3067\u3059\u3002Saving Accounts\u3092\u6319\u3052\u308b\u4eba\u306f\u3001\u3042\u307e\u308a\u7a4d\u6975\u7684\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3092\u3057\u3066\u3044\u306a\u3044\u4eba\u305f\u3061\u3067\u306f\u306a\u3044\u304b\u3068\u60f3\u50cf\u3055\u308c\u307e\u3059\u300250\u6b73\u4ee5\u4e0a\u73fe\u5f79\u7d44\u3067\u306fIRA\u3092\u6319\u3052\u3066\u3044\u308b\u4eba\u3082\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
Transamerica Center\u306e\u30ec\u30dd\u30fc\u30c8\u306b\u306f\u3001\u30ea\u30b5\u30fc\u30c1\u7d50\u679c\u3092\u8e0f\u307e\u3048\u3066\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u8f09\u3063\u3066\u3044\u307e\u3059\u3002\u4ee5\u4e0b\u306b\u5217\u8a18\u3057\u307e\u3059\u3002<\/p>\n
\u591a\u304f\u306e\u4eba\u306f\u5fc5\u8981\u306a\u8cc7\u91d1\u6e96\u5099\u304c\u9032\u3093\u3067\u3044\u306a\u3044\u73fe\u72b6\u304c\u3042\u308b\u306e\u3067\u3001\u53ef\u80fd\u3067\u3042\u308b\u306a\u3089\u3001\u4eca\u4ee5\u4e0a\u306b\u3082\u3063\u3068\u8cc7\u91d1\u6e96\u5099\u306b\u3064\u3068\u3081\u308b\u3053\u3068\u3002<\/p>\n
\u3059\u3067\u306b\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u3044\u308b\u4eba\u3067\u3042\u308b\u306a\u3089\u3001\u5206\u76f8\u5fdc\u306a\u751f\u6d3b\u3092\u3059\u308b\u3053\u3068\u306b\u3064\u3068\u3081\u3001\u4f59\u5270\u91d1\u306f\u5c11\u3057\u3067\u3082\u5c06\u6765\u306e\u305f\u3081\u306b\u8caf\u3081\u3066\u304a\u304f\u3053\u3068\u3002<\/p>\n
\u3068\u304f\u306b\u30ab\u30fc\u30c9\u8ca0\u50b5\u3001\u6d88\u8cbb\u8005\u91d1\u878d\u30ed\u30fc\u30f3\u306a\u3069\u9ad8\u5229\u5b50\u306e\u8ca0\u50b5\u306f\u306a\u3044\u72b6\u614b\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u308b\u3053\u3068\u3092\u76ee\u6307\u3059\u3002<\/p>\n
\u5148\u306b\u66f8\u3044\u305f\u901a\u308a\u3001\u3053\u308c\u306f\u9244\u5247\u3067\u3059\u3002<\/p>\n
\u6708\u3005\u306e\u30d0\u30b8\u30a7\u30c3\u30c8\u3092\u3064\u304f\u308a\u3001\u7121\u99c4\u306a\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3067\u304d\u306a\u3044\u304b\u3001\u65e5\u3054\u308d\u304b\u3089\u5de5\u592b\u3059\u308b\u3002<\/p>\n
\u307e\u3060\u50cd\u3044\u3066\u3044\u308b\u3068\u304d\u304b\u3089\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u3092\u30a4\u30e1\u30fc\u30b8\u3057\u3064\u3064\u3001\u524a\u6e1b\u3067\u304d\u308b\u3053\u3068\u308d\u306f\u7bc0\u7d04\u3057\u3066\u3001\u30b9\u30ea\u30e0\u306a\u751f\u6d3b\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u308b\u306e\u304c\u7406\u60f3\u3067\u3059\u3002<\/p>\n
\u307e\u305f\u3001\u652f\u51fa\u3060\u3051\u3067\u306a\u304f\u3001\u53ce\u5165\u3092\u5897\u3084\u3059\u3053\u3068\u3092\u5de5\u592b\u3059\u308b\u306e\u3082\u5f79\u7acb\u3061\u307e\u3059\u3002\u5bb6\u306e\u4e2d\u306e\u3042\u307e\u3063\u3066\u3044\u308b\u90e8\u5c4b\u3092\u8cb8\u3057\u51fa\u3059\u306a\u3069\u3001\u3067\u304d\u308b\u3053\u3068\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n
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