{"id":3695,"date":"2016-11-01T14:42:53","date_gmt":"2016-11-01T22:42:53","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3695"},"modified":"2016-10-25T14:43:15","modified_gmt":"2016-10-25T22:43:15","slug":"roboadvisor2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/roboadvisor2\/","title":{"rendered":"\u6295\u8cc7\u696d\u754c\u306e\u5909\u5316\u2015\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\uff08\uff12\uff09"},"content":{"rendered":"

2\u56de\u306b\u308f\u305f\u308a\u3001\u6295\u8cc7\u696d\u754c\u306e\u6700\u8fd1\u306e\u6d41\u308c\u306e\u5909\u5316\u3068\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u767b\u5834\u306b\u3064\u3044\u3066\u8abf\u3079\u3066\u3044\u307e\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u4f4e\u30b3\u30b9\u30c8\u3067\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u4f5c\u6210\u30fb\u904b\u7528\u30fb\u7ba1\u7406\u3092\u3057\u3066\u304f\u308c\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066\u306f\u9b45\u529b\u7684\u3067\u3059\u304c\u3001\u305f\u3060\u5b8c\u5168\u306b\u4e2d\u7acb\u3068\u306f\u3044\u3048\u306a\u3044\u3001\u30bb\u30fc\u30eb\u30b9\u30de\u30f3\u3068\u5316\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3082\u5b58\u5728\u3059\u308b\u3053\u3068\u3092\u898b\u3066\u304d\u307e\u3057\u305f\u3002\u81ea\u52d5\u5316\u3060\u304b\u3089\u4f4e\u624b\u6570\u6599\u3067\u5b89\u5168\u30fb\u30fb\u30fb\u3068\u4e00\u8db3\u98db\u3073\u306b\u3046\u306e\u307f\u306b\u3059\u308b\u59ff\u52e2\u306f\u907f\u3051\u308b\u3079\u304d\u3067\u3059\u3002\u305d\u3046\u3059\u308b\u3053\u3068\u306f\u3001\u91d1\u878d\u5371\u6a5f\u4ee5\u524d\u306b\u3001\u300c\u30d6\u30ed\u30fc\u30ab\u30fc\u304c\u85a6\u3081\u3066\u304f\u308c\u308b\u304b\u3089\u304d\u3063\u3068\u3044\u3044\u3082\u306e\u306b\u9055\u3044\u306a\u3044\u300d\u3068\u624b\u6570\u6599\u306b\u6c17\u3092\u914d\u3089\u305a\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3063\u3066\u3044\u305f\u5931\u6557\u3092\u3001\u305f\u3060\u9055\u3046\u5f62\u3067\u7e70\u308a\u8fd4\u3059\u3060\u3051\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u9078\u629e\u3059\u308b\u3068\u304d\u306e\u57fa\u6e96\u306b\u3064\u3044\u3066\u307f\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u304b\u304b\u308b\u624b\u6570\u6599<\/h1>\n

 <\/p>\n

\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3001\u5168\u6295\u8cc7\u984d\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3068\u3057\u3066\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u3092\u30c1\u30e3\u30fc\u30b8\u3057\u307e\u3059\u3002\u6700\u3082\u4f4e\u3044\u5834\u5408\u306f\u30bc\u30ed\uff08\u6700\u4f4e\u9650\u306e\u30b5\u30fc\u30d3\u30b9\u3060\u3051\u63d0\u4f9b\u3057\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u30b5\u30fc\u30d3\u30b9\u5951\u7d04\u3092\u30a2\u30c9\u30aa\u30f3\u3067\u304d\u308bWiseBanyan\uff09\u304b\u3089\u9ad8\u3044\u5834\u5408\u30670.89\uff05\uff08\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u63d0\u6848\u306e\u81ea\u52d5\u5316\u3068\u5fc5\u8981\u306b\u5fdc\u3058\u4eba\u9593\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u76f8\u8ac7\u3067\u304d\u308bPersonal Capital\uff09\u307e\u3067\u3067\u3059\u3002\u6bce\u5e74\u304b\u304b\u308b\u4f4e\u6570\u6599\u306f\u3001\u6295\u8cc7\u306e\u5229\u56de\u308a\u306b\u98df\u3044\u8fbc\u307f\u307e\u3059\u304b\u3089\u3001\u7121\u99c4\u306a\u624b\u6570\u6599\u306f\u7701\u304f\u3068\u3068\u3082\u306b\u3001\u5fc5\u8981\u306a\u30b5\u30fc\u30d3\u30b9\u306b\u306f\u59a5\u5f53\u306a\u624b\u6570\u6599\u306e\u57fa\u6e96\u3092\u6301\u3061\u3001\u541f\u5473\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u306f\u3001\u6295\u8cc7\u984d\u306b\u3088\u3063\u3066\u5909\u5316\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001Betterment\u3067\u3042\u308c\u3070$10,000\u672a\u6e80\u306e\u6295\u8cc7\u30d0\u30e9\u30f3\u30b9\u306b\u306f0.35\uff05\u3001$10,000\u4ee5\u4e0a$100,000\u307e\u3067\u304c0.25\uff05\u3001\u305d\u308c\u4ee5\u4e0a\u306f0.15\uff05\u3068\u3044\u3046\u3057\u304f\u307f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u4eca\u306e\u3068\u3053\u308d\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u4ed6\u793e\u3078\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3084\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u9589\u9396\u306b\u304b\u304b\u308f\u308b\u624b\u6570\u6599\u306f\u8ab2\u3057\u3066\u3044\u306a\u3044\u306e\u3067\u3001\u6295\u8cc7\u984d\u304c\u4f4e\u3044\u3046\u3061\u306b\u306f\u4f4e\u624b\u6570\u6599\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304b\u3089\u59cb\u3081\u3001\u6295\u8cc7\u984d\u304c\u5897\u3048\u308b\u306b\u3064\u308c\u3066\u3088\u308a\u3088\u3044\u6761\u4ef6\u306e\u3068\u3053\u308d\u306e\u4e57\u308a\u63db\u3048\u3066\u3044\u304f\u3068\u3044\u3046\u306e\u3082\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u63d0\u4f9b\u30b5\u30fc\u30d3\u30b9<\/h1>\n

 <\/p>\n

\u8a31\u5bb9\u30ea\u30b9\u30af\u3092\u6e2c\u308a\u3001\u9069\u5207\u306a\u30d5\u30a1\u30f3\u30c9\u3092\u7d44\u307f\u5408\u308f\u305b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u63d0\u6848\u3092\u3059\u308b\u3068\u3044\u3046\u6a5f\u80fd\u306f\u57fa\u672c\u7684\u306b\u3069\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3082\u63d0\u4f9b\u3057\u307e\u3059\u304c\u3001\u305d\u308c\u306b\u52a0\u3048\u3066\u63d0\u4f9b\u3055\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u306b\u306f\u3042\u308b\u7a0b\u5ea6\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

Automatic Rebalancing<\/strong>\uff1a\u4e00\u5ea6\u7d44\u3093\u3060\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u3001\u6295\u8cc7\u6210\u679c\u3084\u305d\u306e\u4ed6\u306e\u72b6\u6cc1\u306b\u3088\u308a\u3001\u5f53\u521d\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3057\u3066\u6295\u8cc7\u5206\u914d\u7387\u304b\u3089\u305a\u308c\u305f\u3068\u304d\u3001\u5b9a\u671f\u7684\u306b\u8abf\u6574\u3057\u30bf\u30fc\u30b2\u30c3\u30c8\u306e\u5206\u914d\u7387\u306b\u623b\u3059\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002\u3053\u308c\u306f\u4f55\u3082\u76ee\u65b0\u3057\u3044\u30b5\u30fc\u30d3\u30b9\u3067\u306a\u304f\u3001\u96e3\u3057\u3044\u4f5c\u696d\u3067\u3082\u306a\u304f\u3001\u591a\u304f\u306e\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u53e3\u5ea7\u3084401(k)\u53e3\u5ea7\u306a\u3069\u3067\u3059\u3067\u306b\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u3067\u3001\u3044\u308f\u3070\u6700\u3082\u30d9\u30fc\u30b7\u30c3\u30af\u306a\u6a5f\u80fd\u3067\u3059\u3002<\/p>\n

Easy Rollover<\/strong>\uff1a\u53e4\u3044401(k)\u30a2\u30ab\u30a6\u30f3\u30c8\u3084\u65e2\u5b58\u306e529\u30a2\u30ab\u30a6\u30f3\u30c8\u3084IRA\u30a2\u30ab\u30a6\u30f3\u30c8\u306a\u3069\u3092\u3001\u7c21\u5358\u306b\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u304d\u308b\u6a5f\u80fd\u3067\u3001\u3053\u308c\u3082\u3042\u3063\u3066\u3042\u305f\u308a\u307e\u3048\u306e\u30d9\u30fc\u30b7\u30c3\u30af\u306a\u6a5f\u80fd\u3067\u3057\u3087\u3046\u3002<\/p>\n

Tax-loss Harvesting<\/strong>\uff1a\u5024\u4e0b\u304c\u308a\u3057\u305f\u682a\u5f0f\u3092\u58f2\u3063\u3066\u30ad\u30e3\u30d4\u30bf\u30eb\u30ed\u30b9\u3092\u3064\u304f\u308a\u3001\u305d\u308c\u3092\u4ed6\u306e\u5024\u4e0a\u304c\u308a\u3057\u305f\u682a\u5f0f\u306e\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3084\u3042\u308b\u3044\u306f\u4ed6\u306e\u53ce\u5165\u306b\u5bfe\u3057\u3066\u76f8\u6bba\u3057\u3001\u8ab2\u7a0e\u5bfe\u8c61\u53ce\u5165\u3092\u6e1b\u3089\u3057\u7bc0\u7a0e\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002\u30ad\u30e3\u30d4\u30bf\u30eb\u30ed\u30b9\u3092\u3064\u304f\u308b\u305f\u3081\u58f2\u3063\u305f\u682a\u5f0f\u306f\u3001\u4f3c\u305f\u3088\u3046\u306a\u682a\u5f0f\u3067\u7f6e\u304d\u63db\u3048\u3089\u308c\u3001\u5168\u4f53\u7684\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u30d0\u30e9\u30f3\u30b9\u306f\u4fdd\u3064\u3088\u3046\u306b\u8abf\u6574\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u6848\u5916\u304a\u304a\u304d\u304f\u6b4c\u308f\u308c\u3066\u3044\u308b\u30bb\u30fc\u30eb\u30b9\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u304c\u3001\u591a\u304f\u306e\u500b\u4eba\u6295\u8cc7\u5bb6\u306f\u500b\u5225\u682a\u3092\u76f4\u63a5\u8cb7\u3063\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3053\u3068\u306f\u305b\u305a\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3092\u57fa\u672c\u306b\u3057\u305f\u6295\u8cc7\u3092\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u5168\u304f\u610f\u5473\u306e\u306a\u3044\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

Tax Coordination<\/strong>\uff1a401(k)\u3084IRA\u306a\u3069\u306e\u7a0e\u512a\u9047\u63aa\u7f6e\u306e\u3042\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u52a0\u3048\u3001\u8ab2\u7a0e\u5bfe\u8c61\u3068\u306a\u308bTaxable Account\u3092\u6301\u3063\u3066\u3044\u308b\u5834\u5408\u3001\u3069\u306e\u53e3\u5ea7\u306b\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3042\u308b\u3044\u306f\u3069\u306e\u6295\u8cc7\u5a92\u4f53\u3092\u5165\u308c\u308c\u3070\u3001\u3082\u3063\u3068\u3082\u7bc0\u7a0e\u4e0a\u52b9\u7387\u304c\u826f\u3044\u304b\u3092\u8a08\u7b97\u3057\u3001\u6700\u9069\u89e3\u3092\u63d0\u6848\u3057\u3066\u304f\u308c\u308b\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002\u7a0e\u512a\u9047\u63aa\u7f6e\u306e\u3042\u308b\u53e3\u5ea7\u3068\u7121\u3044\u53e3\u5ea7\u3092\u8907\u6570\u6301\u3063\u3066\u3044\u308b\u5834\u5408\u306b\u306f\u3001\u6709\u76ca\u306a\u30b5\u30fc\u30d3\u30b9\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001IRA\u3060\u3051\u3068\u304b\u3001Taxable Account\u3060\u3051\u306a\u3069\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u9650\u3089\u308c\u305f\u53e3\u5ea7\u3057\u304b\u6301\u3063\u3066\u3044\u306a\u3044\u306a\u3089\u610f\u5473\u306e\u306a\u3044\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002<\/p>\n

Direct-indexing\uff1a<\/strong>\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306e\u4ee3\u308f\u308a\u306b\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306e\u4e2d\u306b\u5165\u3063\u3066\u3044\u308b\u500b\u5225\u682a\u306b\u81ea\u5206\u3067\u6295\u8cc7\u3057\u3001\u201c\u81ea\u4f5c\u30a4\u30f3\u30c3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u201d\u3092\u3064\u304f\u308b\u65b9\u6cd5\u3067\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30a4\u30f3\u30c3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306e\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306f\u30ab\u30c3\u30c8\u3067\u304d\u308b\u3068\u3068\u3082\u306b\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u500b\u5225\u682a\u3092\u58f2\u308a\u8cb7\u3044\u3059\u308b\u969b\u306b\u3001Tax loss harvesting\u3082\u5b9f\u73fe\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3057\u304f\u307f\u3067\u3059\u3002\u305f\u3057\u304b\u306b\u30a4\u30f3\u30c3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\u306f\u30ab\u30c3\u30c8\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u305d\u306e\u5206\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u306f\u304b\u304b\u308a\u307e\u3059\uff08Wealthfront\u306e\u5834\u5408\u306f0.25\uff05\uff09\u3002\u4ed6\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u30de\u30cd\u30fc\u30b8\u3059\u308b\u53e3\u5ea7\u3068\u5408\u308f\u305b\u3066\u7dcf\u5408\u7684\u306b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308b\u304b\u3069\u3046\u304b\u3092\u5224\u65ad\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u304c\u3001\u5358\u306b\u3053\u306e\u6a5f\u80fd\u306e\u305f\u3081\u3060\u3051\u306a\u3089\u3001\u5225\u306b\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u4f7f\u308f\u306a\u3044\u3067\u3001Vanguard\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306b\u76f4\u63a5\u6295\u8cc7\u3059\u308c\u3070\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306f0.15\uff05\u3067\u3059\u3002\u4f55\u3082\u3084\u3084\u3053\u3057\u3044\u3053\u3068\u3092\u3057\u306a\u304f\u3066\u3082\u3044\u3044\u306e\u3067\u306f\uff1f\u3068\u3044\u3046\u6c17\u304c\u3057\u307e\u3059\uff08Tax loss havesting\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3069\u306e\u304f\u3089\u3044\u3042\u308b\u304b\u306f\u4e0d\u660e\u3067\u3059\uff08\u682a\u306e\u5024\u52d5\u304d\u306b\u3082\u3088\u308b\u3057\u3001\u3054\u81ea\u8eab\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306b\u3082\u3088\u308a\u307e\u3059\uff09\u3002<\/p>\n

\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u3088\u3063\u3066\u306f\u3001\u3053\u308c\u3089\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u5168\u90e8\u307e\u3068\u3081\u3066\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u308b\u4f1a\u793e\u3082\u3042\u308c\u3070\u3001WiseBanyan\u306e\u3088\u3046\u306b\u3001Tax loss have sting\u306f\u6709\u6599\u3067\u8ffd\u52a0\u3067\u304d\u308b\u3068\u3057\u3066\u3044\u308b\u4f1a\u793e\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u3082\u305d\u3082\u4e0d\u8981\u306a\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u91d1\u3092\u6255\u3046\u3053\u3068\u306f\u306a\u3044\u306e\u3067\u3001\u81ea\u5206\u304c\u3069\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u5fc5\u8981\u304b\u3001\u4fa1\u683c\u8a2d\u5b9a\u306f\u3069\u3046\u306a\u3063\u3066\u3044\u308b\u304b\u3092\u8abf\u3079\u3066\u6c7a\u3081\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u6295\u8cc7\u30a2\u30c9\u30d0\u30a4\u30b9\u306e\u8cea<\/h1>\n

 <\/p>\n

\u3053\u308c\u307e\u3067\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u8ab2\u3059\u201d\u96a0\u308c\u305f\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u201c\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u306e\u8ab2\u3059\u201d\u9ad8\u984d\u306e\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\uff08\u8ca9\u58f2\u624b\u6570\u6599\uff09\u201c\u3001\u3072\u3044\u3066\u306f\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u8ab2\u3059\u201d\u30a2\u30bb\u30c3\u30c8\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u201c\u3078\u306e\u4e0d\u4fe1\u611f\u306b\u5bfe\u3059\u308b\u89e3\u6c7a\u3068\u3057\u3066\u751f\u307e\u308c\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3059\u304c\u3001\u305d\u306e\u30ed\u30dc\u30a2\u30aa\u30d0\u30a4\u30b6\u30fc\u3082\u30d5\u30a1\u30f3\u30c9\u306e\u201d\u30bb\u30fc\u30eb\u30b9\u30de\u30f3\u201c\u7684\u5b58\u5728\u306b\u306a\u308a\u3064\u3064\u3042\u308b\u3068\u3044\u3046\u73fe\u72b6\u3092\u524d\u56de\u306e\u8a18\u4e8b\u3067\u8ff0\u3079\u307e\u3057\u305f\u3002<\/p>\n

\u3088\u3063\u3066\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u63d0\u6848\u3059\u308b\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u304c\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u306a\u306e\u304b\u306b\u3064\u3044\u3066\u306f\u3001\u3088\u304f\u6ce8\u610f\u3092\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u9867\u5ba2\u306b\u3068\u3063\u3066\u6700\u9069\u306a\u3082\u306e\u3088\u308a\u306f\u300c\u4f01\u696d\u5074\u304c\u58f2\u308a\u305f\u3044\u3082\u306e\u300d\u3092\u63d0\u6848\u3057\u3066\u304f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u304b\u3089\u3067\u3059\u3002\u307e\u305a\u3001\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u4f1a\u793e\u306e\u81ea\u793e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u3001\u606f\u306e\u304b\u304b\u3063\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3001\u5f53\u7136\u306e\u3053\u3068\u306a\u304c\u3089\u81ea\u793e\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u4e2d\u5fc3\u306b\u63d0\u6848\u3092\u884c\u3063\u3066\u304d\u307e\u3059\u3002Charles Schwab\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306fSchwab\u306eETF\u3092\u3001BlackRock\u306fShare ETF\u3092\u3001Invesco\u306fPowerShares ETF\u4e2d\u5fc3\u306e\u63d0\u6848\u3068\u306a\u308a\u307e\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u306b\u52a0\u3048\u3001\u6295\u8cc7\u5bb6\u306f\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3082\u8ca0\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u3044\u304f\u3089\u81ea\u52d5\u3067\u201c\u6700\u9069\u5316\u201d\u3055\u308c\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3068\u306f\u3044\u3048\u3001\u63d0\u6848\u3055\u308c\u305f\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u304c\u672c\u5f53\u306b\u3088\u3044\u3082\u306e\u304b\u306f\u541f\u5473\u3059\u308b\u3053\u3068\u3092\u6020\u3063\u3066\u306f\u3044\u3051\u307e\u305b\u3093\u3002\u305f\u3068\u3048\u3070\u3001Charles Schwab\u306e\u5834\u5408\u3001\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u7528\u306f\u30bc\u30ed\u3067\u3059\u304c\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306f\u6bd4\u8f03\u7684\u9ad8\u3081\uff08\u6700\u4f4e\u306f0.12\u3060\u304c\u3001\u9ad8\u3044\u30680.25\uff05\u307e\u3067\uff09\u3067\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u3082\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3082\u4f4e\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u96a0\u308c\u305f\u30b3\u30b9\u30c8\u3082\u898b\u9003\u3057\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002\u305f\u3068\u3048\u3070\u3001Charles Schwab\u306e\u5834\u5408\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u63d0\u6848\u306e\u969b\u3001\u4ed6\u793e\u306b\u6bd4\u3079\u3066\u30ad\u30e3\u30c3\u30b7\u30e5\uff08\u73fe\u91d1\u76f8\u5f53\u54c1\uff09\u306e\u63d0\u6848\u6bd4\u7387\u304c\u304b\u306a\u308a\u9ad8\u3044\u3068\u3044\u3046\u7279\u5fb4\u304c\u3042\u308a\u307e\u3059\u3002\u8a31\u5bb9\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306b\u3088\u308a\u307e\u3059\u304c\u3001\u6700\u4f4e\u3067\u3082\uff16\uff05\u3001\u6700\u9ad8\u3067\u306f30\uff05\u3082\u306e\u6bd4\u7387\u3092\u30ad\u30e3\u30c3\u30b7\u30e5\u306b\u5272\u308a\u632f\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u307020\u4ee3\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u307e\u306740\u5e74\u4ee5\u4e0a\u3042\u308b\u5834\u5408\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u6295\u8cc7\u306f\u30bc\u30ed\u3068\u3059\u308b\u306e\u304c\u901a\u5ff5\u3067\u3059\u304c\u3001\u305d\u308c\u3067\u3082\uff16\uff05\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u306b\u6295\u8cc7\u3059\u308b\u3088\u3046\u63d0\u6848\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u3078\u306e\u5f37\u5236\u7684\u306a\u6295\u8cc7\uff08\u3068\u3044\u3046\u304b\u8caf\u91d1\uff1f\uff09\u304cCharles Schwab\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3067\u3001\u3053\u306e\u73fe\u91d1\u5206\u3092Schwab\u304c\u81ea\u793e\u306e\u305f\u3081\u306b\u904b\u7528\u3059\u308b\u3053\u3068\u3067\u5229\u76ca\u3092\u5f97\u308b\u3088\u3046\u306a\u3057\u304f\u307f\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002Schwab\u306e\u5229\u76ca\u306f\u3001\u30df\u30b9\u3057\u305f\u6295\u8cc7\u5229\u56de\u308a\u3068\u3057\u3066\u500b\u4eba\u6295\u8cc7\u5bb6\u3078\u306e\u640d\u5931\u3068\u306a\u308a\u307e\u3059\u3002Schwab\u304c\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u3092\u30bc\u30ed\u3068\u3057\u3066\u3044\u308b\u306e\u3082\u3082\u306f\u3084\u9b45\u529b\u7684\u3067\u306f\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u6700\u4f4e\u6295\u8cc7\u984d<\/h1>\n

 <\/p>\n

\u4f1a\u793e\u306b\u3088\u308a\u6700\u4f4e\u9650\u5fc5\u8981\u3068\u3055\u308c\u308b\u6295\u8cc7\u984d\u306f\u30bc\u30ed\uff5e$100,000\u3067\u3059\u3002\u3075\u3064\u3046\u3001\u30bc\u30ed\u306b\u8fd1\u3044\u307b\u3069\u3001\u5b8c\u5168\u81ea\u52d5\u5316\u30b5\u30fc\u30d3\u30b9\u3067\u3001\u984d\u304c\u4e0a\u304c\u308b\u306b\u3064\u308c\u306a\u3093\u3089\u304b\u306e\u30d1\u30fc\u30bd\u30ca\u30eb\u30b5\u30fc\u30d3\u30b9\u304c\u4ed8\u52a0\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u5c0f\u3055\u304f\u59cb\u3081\u308b\u306a\u3089\u3001Betterment (\u6700\u4f4e\u984d\u306f\u30bc\u30ed\u306a\u306e\u3067\u5c0f\u3055\u304f\u59cb\u3081\u3089\u308c\u3001$10,000\u306e\u6295\u8cc7\u984d\u306e\u5834\u5408\u306b\u306f$100\u4ee5\u4e0a\u306e\u81ea\u52d5\u7a4d\u7acb\u3092\u8a2d\u5b9a\u3059\u308c\u3070\u6708\uff04\uff13\u306e\u7dad\u6301\u8cbb\u3092\u907f\u3051\u3089\u308c\u308b)\u304b\u3001 WiseBanyan (\u6700\u4f4e\u984d$10)\u304b\u3089\u306f\u3058\u3081\u3001\u984d\u304c\u5927\u304d\u304f\u306a\u3063\u305f\u3089\u4ed6\u306b\u5fc5\u8981\u306b\u5fdc\u3058\u4e57\u308a\u63db\u3048\u3092\u8003\u616e\u3057\u3066\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u30bf\u30a4\u30d7<\/h1>\n

 <\/p>\n

\u4eca\u306e\u3068\u3053\u308d\u591a\u304f\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308b\u53e3\u5ea7\u30bf\u30a4\u30d7\u306f\u3001IRA\u3068Taxable Account\uff08\u7a0e\u512a\u9047\u306e\u306a\u3044\u901a\u5e38\u306e\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\uff09\u3067\u3059\u3002401(k)\u5e02\u5834\u306b\u4e57\u308a\u51fa\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u3001529\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3060\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3082\u51fa\u3066\u304d\u3066\u3044\u307e\u3059\u304c\u3001\u307e\u3060\u307e\u3060\u4e00\u90e8\u3067\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u30de\u30cd\u30fc\u30b8\u3055\u308c\u3066\u3044\u308b\u53e3\u5ea7\u4ee5\u5916\u306e\u53e3\u5ea7\uff08\u4ed6\u793e\u306b\u3042\u308b\u53e3\u5ea7\uff09\u306e\u60c5\u5831\u3082\u30ea\u30f3\u30af\u3057\u3066\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u53d7\u3051\u3089\u308c\u308b\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u500b\u4eba\u306e\u6295\u8cc7\u5168\u4f53\u3092\u5305\u62ec\u7684\u306b\u30a2\u30c9\u30d0\u30a4\u30b9\u3059\u308b\u3068\u3053\u308d\u307e\u3067\u306f\u3001\u3082\u3046\u5c11\u3057\u6642\u9593\u304c\u304b\u304b\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306a\u9650\u5ea6\u3092\u610f\u8b58\u3057\u3064\u3064\u3001\u5c06\u6765\u7684\u306b\u306f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u5168\u4f53\u3092\u628a\u63e1\u3055\u305b\u5305\u62ec\u7684\u306a\u5229\u7528\u3092\u76ee\u6307\u3059\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u90e8\u5206\u7684\u306a\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u5229\u7528\u306b\u3068\u3069\u3081\u3001\u305d\u308c\u306b\u3069\u306e\u304f\u3089\u3044\u306e\u4fa1\u5024\u304c\u3042\u308b\u306e\u304b\u3092\u3088\u304f\u8003\u3048\u308b\u3053\u3068\u3082\u5fc5\u8981\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u7121\u99c4\u306a\u624b\u6570\u6599\u3092\u30ab\u30c3\u30c8\u3057\u3001\u5fc5\u8981\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u3060\u3051\u3092\u4f4e\u4fa1\u683c\u3067\u63d0\u4f9b\u3059\u3079\u304f\u767b\u5834\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3059\u304c\u3001\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u3059\u3079\u3066\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3082\u540c\u3058\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u63d0\u6848\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u3082\u3001\u3046\u306e\u307f\u306b\u3059\u308b\u306e\u306f\u7981\u7269\u3067\u3001\u3053\u308c\u307e\u3067Smart&Responsible\u3067\u63d0\u6848\u3057\u3066\u304d\u305f\u3068\u304a\u308a\u3001\u4f55\u4e8b\u3067\u3082\u81ea\u5206\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306b\u95a2\u4fc2\u3059\u308b\u3053\u3068\u306f\u3001\u3088\u304f\u8abf\u3079\u3066\u7d0d\u5f97\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3068\u3044\u3046\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u4e00\u5ea6\u9078\u629e\u3059\u308b\u3068\u304d\u306b\u304d\u3061\u3093\u3068\u9078\u3079\u3070\u3001\u3042\u3068\u306f\u3042\u308b\u7a0b\u5ea6\u81ea\u52d5\u3067\u304a\u307e\u304b\u305b\u3059\u308c\u3070\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u305d\u3082\u305d\u3082\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u4f7f\u308f\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u306e\u304b\u3068\u3044\u3046\u3053\u3068\u306f\u8003\u616e\u306e\u4f59\u5730\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u4eca\u306f\u6d41\u884c\u308a\u3068\u3057\u3066\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084ETF\u306b\u7126\u70b9\u304c\u5f53\u305f\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u307e\u3067\u3069\u304a\u308a\u4f4e\u624b\u6570\u6599\u306e\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3092\u5229\u7528\u3057\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u307f\u3001\u65e2\u5b58\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3063\u3066\u30ea\u30d0\u30e9\u30f3\u30b9\u3084\u30e1\u30f3\u30c6\u3092\u3057\u3066\u3044\u304f\u3053\u3068\u3067\u3001\u5341\u5206\u306a\u52b9\u679c\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u30c8\u30fc\u30bf\u30eb\u306e\u624b\u6570\u6599\u3082\u305d\u306e\u307b\u3046\u304c\u4f4e\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u5341\u5206\u3042\u308a\u5f97\u307e\u3059\u3002\u91d1\u878d\u696d\u754c\u306f\u3001\u624b\u3092\u5909\u3048\u54c1\u3092\u5909\u3048\u3044\u308d\u3044\u308d\u306a\u5f62\u3067\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u304d\u307e\u3059\u304b\u3089\u3001\u6d41\u884c\u308a\u306b\u6d41\u3055\u308c\u305a\u3001\u5fc5\u8981\u306a\u3082\u306e\u3060\u3051\u3092\u9078\u3093\u3067\u3044\u304f\u3053\u3068\u306f\u5927\u5207\u306a\u59ff\u52e2\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

2\u56de\u306b\u308f\u305f\u308a\u3001\u6295\u8cc7\u696d\u754c\u306e\u6700\u8fd1\u306e\u6d41\u308c\u306e\u5909\u5316\u3068\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u767b\u5834\u306b\u3064\u3044\u3066\u8abf\u3079\u3066\u3044\u307e\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u4f4e\u30b3\u30b9\u30c8\u3067\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u4f5c\u6210\u30fb\u904b\u7528\u30fb\u7ba1\u7406\u3092\u3057\u3066\u304f\u308c\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066\u306f\u9b45\u529b\u7684\u3067\u3059\u304c\u3001\u305f\u3060\u5b8c\u5168\u306b\u4e2d\u7acb\u3068\u306f\u3044\u3048\u306a\u3044\u3001\u30bb\u30fc\u30eb\u30b9\u30de\u30f3\u3068\u5316\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3082\u5b58\u5728\u3059\u308b\u3053\u3068\u3092\u898b\u3066\u304d\u307e\u3057\u305f\u3002\u81ea\u52d5\u5316\u3060\u304b\u3089\u4f4e\u624b\u6570\u6599\u3067\u5b89\u5168\u30fb\u30fb\u30fb\u3068\u4e00\u8db3\u98db\u3073\u306b\u3046\u306e\u307f\u306b\u3059\u308b\u59ff\u52e2\u306f\u907f\u3051\u308b\u3079\u304d\u3067\u3059\u3002\u305d\u3046\u3059\u308b\u3053\u3068\u306f\u3001\u91d1\u878d\u5371\u6a5f\u4ee5\u524d\u306b\u3001\u300c\u30d6\u30ed\u30fc\u30ab\u30fc\u304c\u85a6\u3081\u3066\u304f\u308c\u308b\u304b\u3089\u304d\u3063\u3068\u3044\u3044\u3082\u306e\u306b\u9055\u3044\u306a\u3044\u300d\u3068\u624b\u6570\u6599\u306b\u6c17\u3092\u914d\u3089\u305a\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3063\u3066\u3044\u305f\u5931\u6557\u3092\u3001\u305f\u3060\u9055\u3046\u5f62\u3067\u7e70\u308a\u8fd4\u3059\u3060\u3051\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u9078\u629e\u3059\u308b\u3068\u304d\u306e\u57fa\u6e96\u306b\u3064\u3044\u3066\u307f\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":3970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[36],"tags":[75,45,57,58],"class_list":["post-3695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","tag-investment","tag-fighting-as-consumer","tag-setsuyaku","tag-smart-shopping"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-calculator-planning.jpeg?fit=511%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-XB","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=3695"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3695\/revisions"}],"predecessor-version":[{"id":3697,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3695\/revisions\/3697"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3970"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=3695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=3695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=3695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}