{"id":3797,"date":"2017-03-28T09:58:37","date_gmt":"2017-03-28T17:58:37","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3797"},"modified":"2020-01-16T13:40:43","modified_gmt":"2020-01-16T21:40:43","slug":"how_to_withdraw1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/how_to_withdraw1\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u8ce2\u3044\u5f15\u304d\u51fa\u3057\u65b9\uff08\uff11\uff09\u3000\uff0d\u3000\u76f8\u7d9a\u3068\u8907\u6570\u53e3\u5ea7"},"content":{"rendered":"<p>\u4eca\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u304c\u3093\u3070\u3063\u3066\u8caf\u3081\u3066\u3044\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u9577\u5e74\u3001\u4e00\u751f\u61f8\u547d\u50cd\u3044\u3066\u3001\u3082\u3046\u5c11\u3057\u3057\u305f\u3089\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u3044\u3068\u6e96\u5099\u6bb5\u968e\u306b\u79fb\u308d\u3046\u3068\u3057\u3066\u3044\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u5927\u4e8b\u306b\u5927\u4e8b\u306b\u8caf\u3081\u305f\u30ea\u30bf\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3067\u3059\u304b\u3089\u3001\u5927\u4e8b\u306b\u4f7f\u3044\u306a\u308b\u3079\u304f\u9577\u6301\u3061\u3055\u305b\u305f\u3044\u3067\u3059\u306d\u3002\u81ea\u5206\u304c\u3044\u3064\u307e\u3067\u751f\u304d\u308b\u304b\u308f\u304b\u3089\u306a\u3044\u3051\u308c\u3069\u3001\u305d\u308c\u307e\u3067\u8cc7\u91d1\u304c\u5c3d\u304d\u306a\u3044\u3067\u304d\u3061\u3093\u3068\u3042\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3042\u308b\u4e00\u65b9\u3067\u3001\u305b\u3063\u304b\u304f\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u6642\u671f\u3001\u697d\u3057\u3044\u3053\u3068\u3082\u305f\u304f\u3055\u3093\u3057\u3066\u5927\u5207\u306a\u4eba\u3068\u306e\u601d\u3044\u51fa\u3082\u3064\u304f\u3063\u3066\u6709\u610f\u7fa9\u306b\u66ae\u3089\u3059\u305f\u3081\u306b\u5341\u5206\u306a\u751f\u6d3b\u8cbb\u3082\u78ba\u4fdd\u3057\u305f\u3044\u3082\u306e\u3067\u3059\u3002\u4eca\u307e\u3067\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u696d\u754c\u3067\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u8caf\u3081\u308b\u3068\u3044\u3046\u30c8\u30d4\u30c3\u30af\u306b\u95a2\u3057\u3066\u306f\u305f\u304f\u3055\u3093\u306e\u60c5\u5831\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u3053\u3053\u4f55\u5e74\u304b\u3067\u3001401(K)\u306a\u3069\u78ba\u5b9a\u62e0\u51fa\u30d7\u30e9\u30f3\u3067\u306e\u81ea\u5df1\u8cac\u4efb\u6642\u4ee3\u306b\u751f\u304d\u3066\u304d\u305f\u30d9\u30d3\u30fc\u30d6\u30fc\u30de\u30fc\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u308a\u3064\u3064\u3042\u308a\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u5f15\u304d\u51fa\u3057\u65b9\u3001\u4f7f\u3044\u65b9\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u7126\u70b9\u304c\u5f53\u305f\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u8caf\u3081\u308b\u65b9\u3067\u306f\u306a\u304f\u3066\u4f7f\u3046\u65b9\u3001\u3053\u3053\u306b\u7126\u70b9\u3092\u5f53\u3066\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<h2>\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u306e\u307b\u3046\u304c\u96e3\u3057\u3044<\/h2>\n<p>\u4ee5\u524d\u306e\u8a18\u4e8b\u3067\u3082\u53d6\u308a\u4e0a\u3052\u307e\u3057\u305f\u304c\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f\u3001\u8caf\u3081\u308b\u30d5\u30a7\u30fc\u30ba\u3088\u308a\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u306e\u307b\u3046\u304c\u305a\u3063\u3068\u96e3\u3057\u3044\u3067\u3059\u3002<\/p>\n<p>\u5b9f\u306f\u8caf\u3081\u3066\u3044\u308b\u6bb5\u968e\u3067\u6ce8\u610f\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3053\u3068\u306f\u6bd4\u8f03\u7684\u30b7\u30f3\u30d7\u30eb\u3067\u3001\u57fa\u672c\u3092\u62bc\u3055\u3048\u308c\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3068\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u8abf\u6574\u306e\u67a0\u7d44\u307f\u3092\u7d44\u3081\u3070\u3001\u3042\u3068\u306f\u305f\u3060\u304a\u91d1\u3092\u5165\u308c\u7d9a\u3051\u308b\u3060\u3051\u3067\u5927\u4e08\u592b\u3068\u3044\u3063\u3066\u3082\u904e\u8a00\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4f4e\u30b3\u30b9\u30c8\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3073\u3001\u81ea\u5206\u306e\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u5fdc\u3058\u3066\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u3057\u305f\u3089\u3001\u3042\u3068\u306f\u5e02\u5834\u304c\u826f\u304f\u3066\u3082\u60aa\u304f\u3066\u3082\u305f\u3060\u305f\u3060\u9577\u671f\u7684\u306b\u6301\u3061\u7d9a\u3051\u308b\u3068\u3044\u3046\u30b7\u30f3\u30d7\u30eb\u306a\u3084\u308a\u65b9\u304c\u591a\u304f\u306e\u4eba\u306b\u3068\u3063\u3066\u30d9\u30b9\u30c8\u3067\u3059\u3002\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 401(k)\u306a\u3069\u306f\u6708\u3005\u306e\u7d66\u4e0e\u304b\u3089\u5929\u5f15\u304d\u3067\u7a4d\u307f\u7acb\u3066\u308b\u306e\u3067\u3001Dollar cost averaging\uff08\u30c9\u30eb\u30b3\u30b9\u30c8\u5e73\u5747\u6cd5\uff09\u306e\u52b9\u679c\u304c\u4eab\u53d7\u3067\u304d\u3001\u81ea\u7136\u3068\u30d5\u30a1\u30f3\u30c9\u304c\u9ad8\u3044\u6642\u306b\u306f\u5c11\u3057\u8cb7\u3044\u3001\u5b89\u3044\u6642\u306b\u306f\u305f\u304f\u3055\u3093\u8cb7\u3044\u3064\u3064\u3001\u52b9\u7387\u7684\u306b\u7a4d\u307f\u7acb\u3066\u3092\u9032\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u3068\u3053\u308d\u304c\u53cd\u5bfe\u306b\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u306f\u3001\u4eca\u307e\u3067\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u5897\u3048\u308b\u3068\u3044\u3046\u30d7\u30e9\u30b9\u65b9\u5411\u304b\u3089\u6e1b\u308b\u3068\u3044\u3046\u30de\u30a4\u30ca\u30b9\u65b9\u5411\u306b\u65b9\u5411\u304c180\u5ea6\u5909\u308f\u308a\u307e\u3059\u3002\u6708\u3005\u306e\u751f\u6d3b\u8cbb\u3092\u78ba\u4fdd\u3059\u308b\u3068\u3044\u3046\u76ee\u7684\u3068\u5143\u672c\u3092\u306a\u308b\u3079\u304f\u6e1b\u3089\u3055\u306a\u3044\u3067\u8cc7\u91d1\u3092\u9577\u6301\u3061\u3055\u305b\u308b\u3068\u3044\u3046\u3075\u305f\u3064\u306e\u76ee\u7684\u3092\u3001\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u308a\u3064\u3064\u5e02\u5834\u306e\u72b6\u614b\u3082\u304b\u3093\u304c\u307f\u306a\u304c\u3089\u5b9f\u884c\u3057\u3066\u3044\u304b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u5e02\u5834\u304c\u3069\u3046\u306a\u308b\u304b\u3068\u81ea\u5206\u306e\u5065\u5eb7\u72b6\u614b\u3084\u5bff\u547d\u3068\u3044\u3046\u300c\u6c7a\u5b9a\u7684\u306a\u300d\u60c5\u5831\u306f\u8ab0\u306b\u3082\u306f\u3063\u304d\u308a\u3068\u308f\u304b\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u3053\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u306f\u81f3\u96e3\u306e\u696d\u3067\u3059\u3002<\/p>\n<p>\u53c2\u8003\u00a0\u00a0 <a href=\"http:\/\/smartandresponsible.com\/blog\/post-retirement-management\/\" >\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1-\u300c\u8caf\u3081\u308b\u300d\u3088\u308a\u300c\u4f7f\u3046\u300d\u30d5\u30a7\u30fc\u30ba\u304c\u96e3\u3057\u3044<\/a><\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/make-retirement-last\/\" >\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u9577\u6301\u3061\u3055\u305b\u308b\u30fb\u30fb\u30fb<\/a><\/p>\n<p>\u307e\u305f\u3001401(k)\u3001Traditional IRA\u3001Roth IRA\u3001SEP IRA\u3001HAS\u306a\u3069\u3044\u308d\u3044\u308d\u306a\u30bf\u30a4\u30d7\u306e\u53e3\u5ea7\u306b\u8907\u6570\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u304c\u3042\u308b\u65b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u592b\u5a66\u3067\u50cd\u3044\u3066\u3044\u3089\u3063\u3057\u3083\u3063\u305f\u65b9\u306f\u3001\u592b\u5a66\u305d\u308c\u305e\u308c\u306b\u53e3\u5ea7\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u5f15\u304d\u51fa\u3059\u6642\u306b\u306f\u304b\u304b\u308b\u7a0e\u91d1\u306e\u3053\u3068\u3082\u8003\u616e\u305b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001401(k)\u3084Traditional IRA\u306b\u306f\u3001RMD(Required Minimum Distribution)\u306e\u8a2d\u5b9a\u304c\u3042\u308a\u300170\u6b73\u534a\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09\u4ee5\u4e0a\u306e\u3072\u3068\u306f\u6bce\u5e74\u5f15\u304d\u51fa\u3055\u306a\u3044\u3068\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u8ab2\u305b\u3089\u308c\u308b\u5b9a\u307e\u3063\u305f\u984d\u304c\u898f\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u6bce\u6708\u3044\u304f\u3089\u3092\u3001\u3069\u306e\u53e3\u5ea7\u304b\u3089\u3069\u306e\u3088\u3046\u306b\u73fe\u91d1\u5316\u3059\u308c\u3070\u3044\u3044\u306e\u304b\u306f\u6c7a\u3057\u3066\u7c21\u5358\u306a\u554f\u984c\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u4ee5\u4e0b\u3067\u30b9\u30c6\u30c3\u30d7\u30d0\u30a4\u30b9\u30c6\u30c3\u30d7\u3067\u8003\u3048\u306e\u9032\u3081\u65b9\u3092\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2>\u304a\u5b50\u3055\u3093\u306b\u8cc7\u7523\u3092\u6b8b\u3057\u305f\u3044\u3068\u3044\u3046\u30cb\u30fc\u30ba\u304c\u3042\u308b\u304b<\/h2>\n<p>\u307e\u305a\u306f\u3058\u3081\u306b\u8003\u3048\u308b\u3079\u304d\u3053\u3068\u306f\u3001\u304a\u5b50\u3055\u3093\u306b\u8cc7\u7523\u3092\u6b8b\u3057\u305f\u3044\u3068\u3044\u3046\u30cb\u30fc\u30ba\u304c\u3042\u308b\u304b\u3069\u3046\u304b\u3067\u3059\u3002\u3053\u308c\u306f\u5b9f\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u8caf\u3081\u3066\u3044\u308b\u6bb5\u968e\u304b\u3089\u306f\u3063\u304d\u308a\u3055\u305b\u3066\u304a\u3044\u305f\u307b\u3046\u304c\u3044\u3044\u3053\u3068\u3067\u3059\u3002\u307e\u3068\u307e\u3063\u305f\u8cc7\u7523\u3092\u73fe\u91d1\u306a\u308a\u4e0d\u52d5\u7523\u3068\u3044\u3046\u5f62\u3067\u76f8\u7d9a\u3055\u305b\u305f\u3044\u3068\u3044\u3046\u30cb\u30fc\u30ba\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u76f8\u7d9a\u306b\u3075\u3055\u308f\u3057\u3044\u5f62\u3067\u8cc7\u91d1\u3092\u6e96\u5099\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>\u3082\u3061\u308d\u3093\u81ea\u5206\u304c\u5bff\u547d\u3092\u307e\u3063\u3068\u3046\u3057\u3066\u307e\u3060\u6b8b\u308b\u8cc7\u7523\u304c\u3042\u308c\u3070\u304a\u5b50\u3055\u3093\u306b\u76f8\u7d9a\u3055\u308c\u308b\u306e\u306f\u81ea\u7136\u306e\u3053\u3068\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u3088\u3046\u306a\u300c\u4f59\u3063\u305f\u3089\u76f8\u7d9a\u300d\u3068\u3001\u5f53\u521d\u304b\u3089\u306f\u3063\u304d\u308a\u3068\u76f8\u7d9a\u3055\u305b\u308b\u3053\u3068\u3092\u30b4\u30fc\u30eb\u306b\u3057\u3066\u8cc7\u7523\u904b\u7528\u3059\u308b\u306e\u3068\u306f\u5168\u304f\u9055\u3044\u307e\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u5143\u672c\u90e8\u5206\u306f\u305d\u306e\u307e\u307e\u907a\u7523\u3068\u3057\u3066\u6b8b\u3059\u5f62\u3067\u3001\u81ea\u5206\u305f\u3061\u306f\u5229\u56de\u308a\u3067\u751f\u6d3b\u3059\u308b\u3053\u3068\u3092\u76ee\u6a19\u3068\u3059\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u305f\u3060\u3053\u308c\u306f\u91d1\u5229\u306e\u4f4e\u3044\u6628\u4eca\u3067\u306f\u3001\u5148\u7acb\u3064\u5143\u672c\u304c\u304b\u306a\u308a\u306a\u3044\u3068\u306a\u304b\u306a\u304b\u6210\u308a\u7acb\u3061\u307e\u305b\u3093\u3002\u3042\u308b\u7a0b\u5ea6\u30ea\u30b9\u30af\u3092\u3068\u308a\u3064\u3064\u5b89\u5b9a\u6027\u3082\u8003\u3048\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3067\u5e74\u9593\uff12\uff05\u304f\u3089\u3044\u3057\u304b\u5b9a\u671f\u7684\u306b\u983c\u308c\u308b\u5229\u56de\u308a\u304c\u306a\u3044\u3068\u3059\u308b\u3068\u3001\u6708\u3005$3,000\u306e\u751f\u6d3b\u8cbb\u3092\u5229\u5b50\u3060\u3051\u3067\u78ba\u4fdd\u3057\u3088\u3046\u3068\u3057\u305f\u3089\u3001\uff08$3,000&#215;12\uff09\u00f70.02\uff1d$1.8\u30df\u30ea\u30aa\u30f3\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u8981\u308a\u307e\u3059\u3002\u307e\u305f\u75c5\u6c17\u306b\u306a\u3063\u305f\u308a\u3001\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u308c\u3070\u3001\u6708\u3005$3,000\u3067\u306f\u6e08\u307e\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u4f01\u696d\u5e74\u91d1\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306a\u3069\u306e\u56fa\u5b9a\u53ce\u5165\u304c\u5341\u5206\u3067\u306a\u3044\u5834\u5408\u306b\u306f\u3001\u3068\u304f\u306b\u90fd\u5e02\u90e8\u306a\u3069\u3067\u306f\u6708\u3005$3,000\u3067\u306f\u751f\u6d3b\u304c\u6210\u308a\u7acb\u305f\u306a\u3044\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u3088\u3063\u3066\u591a\u304f\u306e\u4eba\u304c\u3001\u5229\u56de\u308a\u3060\u3051\u3067\u306f\u8db3\u308a\u305a\u5143\u672c\u3082\u5207\u308a\u5d29\u3057\u306a\u304c\u3089\u751f\u6d3b\u3092\u3057\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u540c\u69d8\u306a\u8003\u3048\u304c\u4e0d\u52d5\u7523\u6295\u8cc7\u306b\u3082\u5f53\u3066\u306f\u307e\u308a\u307e\u3059\u3002\u4e0d\u52d5\u7523\u6295\u8cc7\u306f\u6708\u3005\u306e\u30a4\u30f3\u30ab\u30e0\u3092\u751f\u3080\u306e\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u306e\u305f\u3081\u306b\u4f55\u4ef6\u304b\u4e0d\u52d5\u7523\u3092\u6301\u3063\u3066\u304a\u304d\u305f\u3044\u3068\u3044\u3046\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002\u4e0a\u306e\u4f8b\u3067\u3042\u308c\u3070\u6708\u3005\u3001\u7a0e\u91d1\u3084\u8af8\u7d4c\u8cbb\u306a\u3069\u5dee\u3057\u5f15\u304d\u5f8c\u306e\u7d14\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3067$3,000\u3092\u5b89\u5b9a\u7684\u306b\u5f97\u308b\u305f\u3081\u306b\u3001CAP\u30ec\u30fc\u30c8\u304c\uff15\uff05\u3060\u3068\u3059\u308c\u3070\u3001\uff08$3,000&#215;12\uff09\u00f70.05\uff1d$720,000\u3001\uff13\uff05\u3060\u3068\u3059\u308c\u3070\uff08$3,000&#215;12\uff09\u00f70.0\uff13\uff1d$1.2\u30df\u30ea\u30aa\u30f3\u306e\u5143\u672c\u304c\u8981\u308a\u307e\u3059\u3002\u4e0d\u52d5\u7523\u306e\u5834\u5408\u306f\u5143\u672c\u306f\u4e0d\u52d5\u7523\u4fa1\u5024\u3068\u3057\u3066\u56fa\u5b9a\uff08\u4e0d\u52d5\uff09\u306a\u306e\u3067\u3001\u3059\u3050\u306b\u73fe\u91d1\u5316\u3067\u304d\u307e\u305b\u3093\u3002\u5fc5\u7136\u7684\u306b\u3001\u3059\u3050\u306b\u73fe\u91d1\u304c\u5fc5\u8981\u306a\u3053\u3068\u306b\u306a\u3063\u305f\u5834\u5408\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u3001\u3042\u308b\u7a0b\u5ea6\u307b\u304b\u306b\u73fe\u91d1\u5316\u3057\u3084\u3059\u3044\u8cc7\u91d1\u3082\u3042\u308b\u7a0b\u5ea6\u3042\u308b\u3053\u3068\u3082\u524d\u63d0\u3067\u3059\u3002\u3088\u3063\u3066\u3001\u76f8\u7d9a\u306e\u305f\u3081\u306b\u5229\u5b50\u90e8\u5206\u3060\u3051\u3001\u3042\u308b\u3044\u306f\u30ec\u30f3\u30bf\u30eb\u30a4\u30f3\u30ab\u30e0\u3060\u3051\u306b\u983c\u308c\u308b\u72b6\u614b\u3067\u3042\u308b\u305f\u3081\u306b\u306f\u3001\u304b\u306a\u308a\u5341\u5206\u306a\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5143\u672c\u304c\u3042\u308b\u3053\u3068\u304c\u524d\u63d0\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u53c2\u8003\u3000<a href=\"http:\/\/smartandresponsible.com\/blog\/stock_or_realestate2\/\" >\u682a\u306b\u3059\u308b\u3001\u4e0d\u52d5\u7523\u306b\u3059\u308b\uff1f\u3000-\u3000\u3069\u3063\u3061\u304c\u3044\u3044\u304b\u306e\u554f\u984c\uff08\uff12\uff09<\/a><\/p>\n<p>\u307e\u305f\u3053\u306e\u3088\u3046\u306b\u5229\u56de\u308a\u78ba\u4fdd\u3001\u30ec\u30f3\u30bf\u30eb\u53ce\u5165\u78ba\u4fdd\u306e\u305f\u3081\u306e\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306f\u3001\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u6982\u5ff5\u306b\u57fa\u3065\u3044\u305f\u30d0\u30e9\u30f3\u30b9\u306e\u3068\u308c\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3068\u3044\u3046\u76ee\u7684\u304b\u3089\u306f\u305a\u308c\u304c\u3061\u3068\u3044\u3046\u7279\u5fb4\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u4e0d\u52d5\u7523\u306a\u3089\u3001\u3044\u304f\u3064\u304b\u306e\u7269\u4ef6\u306b\u6bd4\u8f03\u7684\u5927\u304d\u306a\u91d1\u984d\u304c\u96c6\u4e2d\u3057\u305f\u5f62\u306e\u6295\u8cc7\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u30ea\u30b9\u30af\u5206\u6563\u3068\u3044\u3046\u9762\u304b\u3089\u306f\u25b3\u3067\u3059\u3002\u307e\u305f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5834\u5408\u3082\u3001\u5229\u56de\u308a\u78ba\u4fdd\u306e\u305f\u3081\u306b\u6700\u9069\u5316\u3059\u308b\u3068\u3001\u3069\u3046\u3057\u3066\u3082\u5b89\u5b9a\u7684\u306b\u5229\u5b50\u3092\u751f\u3080\u50b5\u5238\u3084\u3001\u914d\u5f53\u91d1\u3092\u5b9a\u671f\u7684\u306b\u51fa\u3059\u682a\u306a\u3069\u3092\u4e2d\u5fc3\u3068\u3057\u305f\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u3076\u3053\u3068\u306b\u306a\u308a\u3001\u9577\u671f\u7684\u306b\u904b\u7528\u3059\u308b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u3057\u3066\u306f\u6c7a\u3057\u3066\u6700\u9069\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3088\u3063\u3066\u3001\u3082\u3063\u3068\u51fa\u308b\u306f\u305a\u306e\u5229\u56de\u308a\u3092\u307f\u3059\u307f\u3059\u898b\u9003\u3057\u3066\u3001\u3042\u308b\u7a0b\u5ea6\u73fe\u91d1\u5229\u56de\u308a\u3092\u78ba\u4fdd\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3001\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u307e\u3068\u307e\u3063\u305f\u5143\u672c\u304c\u3042\u308a\u3001\u904b\u7528\u5229\u56de\u308a\u306f\u591a\u5c11\u72a0\u7272\u306b\u3057\u3066\u3082\u3001\u6708\u3005\u306e\u5b9a\u671f\u5229\u5b50\u30fb\u30ec\u30f3\u30bf\u30eb\u53ce\u5165\u304c\u78ba\u4fdd\u3067\u304d\u3066\u3001\u3042\u3068\u306f\u5b50\u3069\u3082\u306b\u6b8b\u305b\u308c\u3070\u305d\u308c\u304c\u30d9\u30b9\u30c8\u3068\u3044\u3046\u4f59\u88d5\u306e\u3042\u308b\u5bcc\u88d5\u5c64\u306b\u306f\u3001\u3053\u306e\u3084\u308a\u65b9\u3067\u3082\u554f\u984c\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u53c2\u8003\u3000<a href=\"http:\/\/smartandresponsible.com\/blog\/numberofportfolio2\/\" >\u6b63\u3057\u304f\u6295\u8cc7\u3092\u7406\u89e3\u3059\u308b\u3000\u2013\u3000\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u306f\u3044\u304f\u3064\u304b\u9069\u5f53\uff1f(1)<\/a><\/p>\n<p>\u4ee5\u4e0b\u3067\u306f\u3001\u76f8\u7d9a\u3092\u7b2c\u4e00\u30b4\u30fc\u30eb\u306b\u3057\u306a\u3044\u30b0\u30eb\u30fc\u30d7\uff08\u76ee\u5b89\u3068\u3057\u3066\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\uff041.5\u30df\u30ea\u30aa\u30f3\uff5e\uff12\u30df\u30ea\u30aa\u30f3\u7a0b\u5ea6\u4ee5\u4e0b\uff09\u3067\u3001\u5143\u672c\u3082\u5207\u308a\u5d29\u3057\u3064\u3064\u8001\u5f8c\u306e\u751f\u6d3b\u3092\u3057\u3066\u3044\u304f\u4eba\u3005\u3092\u5ff5\u982d\u306b\u7f6e\u3044\u3066\u8a71\u3092\u9032\u3081\u307e\u3059\u3002<\/p>\n<h2>\u3069\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u4e0b\u308d\u3059\u304b<\/h2>\n<p>401(k)\u3001403(b)\u3001457(b)\u3001Traditional IRA\u3001Roth IRA\u3001SEP IRA\u3001Simple IRA\u306a\u3069\u305d\u306e\u4ed6\u306eIRA\u3001HSA\u3001\u305d\u306e\u4ed6\u306e\u4e00\u822c\u306e\u6295\u8cc7\u30a2\u30ab\u30a6\u30f3\u30c8\uff08\u7a0e\u512a\u9047\u304c\u306a\u3044\u306e\u3067Taxable Account\u3068\u547c\u3070\u308c\u307e\u3059\uff09\u306a\u3069\u8907\u6570\u306e\u30bf\u30a4\u30d7\u306e\u53e3\u5ea7\u306b\u8cc7\u91d1\u304c\u6563\u3089\u3070\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u65b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u3069\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u3044\u304f\u304b\u306f\u3001\uff11\uff09\u305d\u308c\u305e\u308c\u306e\u53e3\u5ea7\u306bRMD\uff08Required Minimum Distribution)\u306e\u8a2d\u5b9a\u304c\u3042\u308b\u304b\u3001\uff12\uff09\u7a0e\u512a\u9047\u63aa\u7f6e\uff08\u7a0e\u9045\u5ef6\u3067\u904b\u7528\uff09\u304c\u3042\u308b\u304b\u3068\u3001\uff13\uff09\u81ea\u5206\u306e\u73fe\u5728\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u3068\u5c06\u6765\u7684\u306a\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u3092\u6bd4\u8f03\u3059\u308b\u3053\u3068\u3068\u306e\uff13\u5074\u9762\u304b\u3089\u8003\u3048\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u901a\u5e38\u306f\u4ee5\u4e0b\u306e\u512a\u5148\u9806\u4f4d\u3067\u53e3\u5ea7\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u3092\u884c\u3046\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li>RMD\u306e\u3042\u308b\u53e3\u5ea7\uff1a401(k)\u3001403(b)\u3001457(b)\u3001Traditional IRA\u3001SEP IRA\u3001Simple IRA\u306a\u3069RMD\uff08Required Minimum Distribution\uff09\u304c\u5fc5\u8981\u3068\u3055\u308c\u3066\u3044\u308b\u53e3\u5ea7\u300270\u6b73\u534a\u4ee5\u4e0a\u306b\u306a\u308b\u3068\u3001\u597d\u3080\u3068\u597d\u307e\u306a\u3044\u3068\u306b\u304b\u304b\u308f\u3089\u305a\u3001RMD\u3068\u3057\u3066\u3001\u5f37\u5236\u7684\u306b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\uff08\u4e88\u60f3\u5bff\u547d\u306b\u3088\u308b\uff09\u3092\u639b\u3051\u305f\u984d\u3092\u5f15\u304d\u51fa\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u30de\u30b9\u30c8\u3067\u3059\u306e\u3067\u3001\u56de\u907f\u3067\u304d\u307e\u305b\u3093\u3002\u3046\u3063\u304b\u308a\u5f15\u304d\u51fa\u3057\u3092\u5fd8\u308c\u308b\u3068\u624b\u75db\u3044\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<p>\u53c2\u8003\u3000<a href=\"http:\/\/smartandresponsible.com\/blog\/retirementplanning2\/\" >\u3053\u306e\u307e\u307e\u3067\u3044\u3044\u306e\u304b\u306a\uff1f \u2013 \u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30cb\u30f3\u30b0(2)<\/a><\/p>\n<ul>\n<li>RMD\u3092\u6e80\u305f\u3057\u305f\u5f8c\u306f\u3001\u7a0e\u512a\u9047\u63aa\u7f6e\u306e\u306a\u3044\u666e\u901a\u306e\u6295\u8cc7\u53e3\u5ea7\uff08Taxable Account\uff09\u306e\u5229\u56de\u308a\u90e8\u5206\uff08\u5229\u5b50\u3084\u914d\u5f53\uff09\u3092\u4f7f\u3044\u307e\u3059\u3002\u306a\u308b\u3079\u304f\u7a0e\u512a\u9047\u63aa\u7f6e\u306e\u3042\u308b\u53e3\u5ea7\uff08\u4e0a\u8a18\u306eRMD\u306e\u8a2d\u5b9a\u306e\u3042\u308b\u53e3\u5ea7\u306eRMD\u5bfe\u8c61\u5916\u306e\u90e8\u5206\u3084Roth IRA\uff09\u306f\u305d\u306e\u307e\u307e\u3068\u3063\u3066\u304a\u3044\u3066\u3001\u7a0e\u512a\u9047\u3092\u53d7\u3051\u306a\u304c\u3089\u5897\u3084\u3059\u307b\u3046\u304c\u5f97\u3060\u304b\u3089\u3067\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u4e0a\u8a18\uff12\u306e\u5f8c\u306f\u3001\u4e0a\u8a18\u306e\u666e\u901a\u306e\u6295\u8cc7\u53e3\u5ea7\u306e\u5143\u672c\u90e8\u5206\u3092\u5207\u308a\u5d29\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u4e0a\u8a18\uff13\u306e\u6b21\u306f\u3001\u73fe\u5728\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u3068\u5c06\u6765\u7684\u306a\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u3092\u6bd4\u8f03\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u5c06\u6765\u7684\u306a\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306e\u307b\u3046\u304c\u4f4e\u304f\u306a\u308b\uff08\u305f\u3068\u3048\u3070\u3001\u4eca\u306f\u30d1\u30fc\u30c8\u3067\u50cd\u3044\u3066\u3044\u308b\u304c\u5c06\u6765\u306f\u3084\u3081\u308b\u306e\u3067\u52b4\u50cd\u53ce\u5165\u304c\u4f4e\u304f\u306a\u308b\u3068\u304b\u3001\u73fe\u5728\u306f\u65c5\u884c\u3067\u304d\u308b\u4f53\u529b\u304c\u3042\u308b\u306e\u3067\u5f15\u304d\u51fa\u3057\u984d\u304c\u5927\u304d\u3044\u304c\u3001\u305d\u306e\u3046\u3061\u4f53\u304c\u52d5\u304b\u306a\u304f\u306a\u308c\u3070\u751f\u6d3b\u8cbb\u306f\u7e2e\u5c0f\u3059\u308b\u306f\u305a\u306a\u306e\u3067\u5f15\u304d\u51fa\u3057\u984d\u3082\u5c11\u306a\u304f\u306a\u308b\u306a\u3069\uff09\u3068\u4e88\u60f3\u3055\u308c\u308b\u5834\u5408\u306f\u3001Roth IRA\u306a\u3069\u6240\u5f97\u7a0e\u8ab2\u7a0e\u306a\u3057\u3067\u5f15\u304d\u51fa\u305b\u308b\u3082\u306e\u304b\u3089\u5f15\u304d\u51fa\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li>\u6700\u5f8c\u306e\u6bb5\u968e\u306f\u3001401(k)\u3001403(b)\u3001457(b)\u3001Traditional IRA\u3001SEP IRA\u3001Simple IRA\u306a\u3069\u306e\u7a0e\u512a\u9047\u63aa\u7f6e\u304c\u3042\u308b\u53e3\u5ea7\u306e\u3001RMD\u4ee5\u5916\u306e\u90e8\u5206\u304b\u3089\u8ffd\u52a0\u3067\u5f15\u304d\u51fa\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<p>\u306a\u304a\u3001\u5c06\u6765\u7684\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306e\u307b\u3046\u304c\u4e0a\u304c\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u5834\u5408\u306f\u3001\uff14\u3068\uff15\u304c\u53cd\u5bfe\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>401(k)\u3001403(b)\u3001457(b)\u3001Traditional IRA\u3001SEP IRA\u3001Simple IRA\u306a\u306a\u3069\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u305f\u53e3\u5ea7\u306f\u3001\u5f15\u304d\u51fa\u3057\u305f\u91d1\u984d\u5168\u90e8\u304c\u6240\u5f97\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3001\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>\uff08\u6ce8\uff1a\u3054\u53c2\u8003\u307e\u3067\u306b\u8ffd\u8a18\u3057\u307e\u3059\u3002\u3082\u3057\u3082\u304a\u5b50\u3055\u3093\u3078\u306e\u76f8\u7d9a\u3092\u6700\u9069\u5316\u3059\u308b\u3053\u3068\u3092\u304a\u8003\u3048\u306a\u3089\u3001\uff11.\u3000\u7a0e\u512a\u9047\u63aa\u7f6e\u306e\u3042\u308b\u53e3\u5ea7\uff08\u76f8\u7d9a\u8005\u306b\u5bfe\u3057\u3066\u30d5\u30eb\u306b\u6240\u5f97\u7a0e\u8ab2\u7a0e\uff09\u3001\uff12\uff0e\u666e\u901a\u306e\u6295\u8cc7\u53e3\u5ea7\uff08\u76f8\u7d9a\u3057\u305f\u6642\u70b9\u3067\u306e\u5e02\u5834\u4fa1\u683c\u304c\u57fa\u6e96\u5024\u306b\u306a\u308b\uff1cStep-up 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