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href=\"\u6295\u8cc7\u696d\u754c\u306e\u5909\u5316\u2015\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\uff08\uff11\uff09\">\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc<\/a>\u3068\u547c\u3070\u308c\u308b\u3001\u30bd\u30d5\u30c8\u30a6\u30a8\u30a2\u30d9\u30fc\u30b9\u306e\u30b5\u30fc\u30d3\u30b9\u3067\u3001\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306a\u3057\u3066\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u6295\u8cc7\u3059\u308b\u3068\u3044\u3046\u6295\u8cc7\u5bb6\u5c64\u3082\u591a\u304f\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u307e\u305f\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u5b8c\u5168\u306b\u540c\u3058\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u3063\u3066\u3082\u7570\u306a\u308b<a href=\"\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u306e\u624b\u6570\u6599\u306b\u304a\u6c17\u3092\u3064\u3051\u3092\uff01(2)\uff0dExpense%20Ratio\">\u30af\u30e9\u30b9\uff08\u30b7\u30a7\u30a2\u30af\u30e9\u30b9\u3068\u3082\u547c\u3070\u308c\u308b<\/a>\uff09\u3067\u8ca9\u58f2\u3059\u308b\u3053\u3068\u304c\u5408\u6cd5\u5316\u3055\u308c\u3066\u304a\u308a\u3001Institutional Class\u306a\u3069\u306e\u5927\u578b\u56e3\u4f53\u9867\u5ba2\u5411\u3051\uff08\u6700\u3082\u624b\u6570\u6599\u304c\u4f4e\u3044\uff09\u304b\u3089Investor Class\uff08\u6700\u3082\u624b\u6570\u6599\u304c\u9ad8\u3044\uff09\u306a\u3069\u306e\u5c0f\u898f\u6a21\u500b\u4eba\u6295\u8cc7\u5bb6\u307e\u3067\u3001\u3044\u304f\u3064\u3082\u306e\u624b\u6570\u6599\u30ec\u30d9\u30eb\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3053\u3068\u306b\u5bfe\u3057\u3066\u3082\u6295\u8cc7\u5bb6\u306e\u610f\u8b58\u304c\u9ad8\u307e\u308a\u3001\u307e\u305f\u4f01\u696d\u3084\u56e3\u4f53\u304c\u81ea\u793e\u306e401(k)\u306a\u3069\u3067\u63d0\u4f9b\u3059\u308b\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3078\u306e\u624b\u6570\u6599\u306b\u5bfe\u3057\u3066\u3082\u53b3\u3057\u3044\u76ee\u3067\u81e8\u3080\u3088\u3046\u306b\u306a\u308a\u3001\u597d\u6761\u4ef6\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3088\u3046\u306b\u306a\u3063\u305f\u3053\u3068\u3082\u76f8\u307e\u3063\u3066\u3001\u4f4e\u624b\u6570\u6599\u30af\u30e9\u30b9\u3078\u306e\u6295\u8cc7\u306e\u4f38\u3073\u304c\u8a18\u9332\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u5404\u793e\u306e\u72b6\u6cc1<\/h1>\n<p>Vanguard\u793e\u306f\u9577\u5e74\u306e\u9593\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306a\u3057\u4f4e\u624b\u6570\u6599\u3067\u3001\u4e3b\u306b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4e2d\u5fc3\u306b\u30d5\u30a1\u30f3\u30c9\u63d0\u4f9b\u3092\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u904e\u53bb\uff15\uff0c\uff16\u5e74\u306e\u9593\u6ce8\u76ee\u5ea6\u304c\u9ad8\u307e\u308a\u652f\u6301\u5c64\u3082\u62e1\u5927\u3057\u305f\u3053\u3068\u3082\u3042\u3063\u3066\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306e\u30de\u30fc\u30b1\u30c3\u30c8\u30b7\u30a7\u30a2\u3092\u5927\u304d\u304f\u4f38\u3070\u3057\u307e\u3057\u305f\u30022014\u5e74\u306eVanguard\u793e\u306e\u30de\u30fc\u30b1\u30c8\u30b7\u30a7\u30a2\u306f19.2\uff05\u3067\u3001\u4e8c\u4f4d\u306eFidelity\uff089.0\uff05\uff09\u306b\u5927\u5dee\u3092\u958b\u3051\u3066\u3044\u307e\u3059\u3002\u4e09\u4f4d\u4ee5\u964d\u306f\u3001American Funds(8.4\uff05)\u3001BlackRock\/iShares\uff087.0\uff05\uff09\u3001Franklin Templeton Investments\uff083.2\uff05\uff09\u3068\u7d9a\u304d\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3817\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/fund-share-and-expense.jpg?resize=810%2C327\" alt=\"\" width=\"810\" height=\"327\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/fund-share-and-expense.jpg?w=1111&amp;ssl=1 1111w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/fund-share-and-expense.jpg?resize=300%2C121&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/fund-share-and-expense.jpg?resize=768%2C310&amp;ssl=1 768w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/fund-share-and-expense.jpg?resize=1024%2C414&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>\u306a\u304a\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u30b7\u30a7\u30a2\u306710\u4f4d\u306b\u5165\u3063\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u4f1a\u793e\u306e\u3046\u3061\u3001\u63d0\u4f9b\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306e\u5e73\u5747\u304c\u6700\u3082\u4f4e\u3044\u306e\u306f\u3001\u4e00\u4f4dVanguard\u30670.14\uff05\u3001\u4e8c\u4f4d\u304c\u4f4e\u624b\u6570\u6599ETF\u3067\u77e5\u3089\u308c\u308bSPDR State Street Global Advisors\u30670.17\uff05\u3001\u4e09\u4f4d\u304cDimensional Fund Advisors\u30670.36\uff05\u3067\u3057\u305f\u3002<\/p>\n<p>\u3067\u306f\u3053\u306e\u3088\u3046\u306a\u72b6\u6cc1\u4e0b\u3067\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u3068\u3057\u3066\u3069\u306e\u3088\u3046\u306a\u5fc3\u69cb\u3048\u3067\u3044\u308b\u306e\u304c\u3088\u3044\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u6b21\u306b\u305d\u306e\u70b9\u3092\u8003\u3048\u3066\u307f\u307e\u3059\u3002<\/p>\n<h1>\u624b\u6570\u6599\u958b\u793a\u3092\u8981\u6c42\u3059\u308b<\/h1>\n<p>\u624b\u6570\u6599\u3068\u3072\u3068\u3053\u3068\u3067\u8a00\u3063\u3066\u3082\u5b9f\u306f\u3082\u3046\u5c11\u3057\u7d30\u304b\u304f\u5185\u5bb9\u3092\u5206\u985e\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3001\u5185\u8a33\u306f<\/p>\n<ul>\n<li>\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u6599\uff1a\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u30d5\u30a1\u30f3\u30c9\u5185\u306e\u6295\u8cc7\u5a92\u4f53\u3092\u58f2\u3063\u305f\u308a\u8cb7\u3063\u305f\u308a\u3057\u3066\u7dad\u6301\u3059\u308b\u8cbb\u7528<\/li>\n<li>\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\uff1a\u8ca9\u58f2\u6642\u306b\u304b\u304b\u308b\u8cbb\u7528\u3001\u58f2\u5374\u6642\u306b\u304b\u304b\u308b\u8cbb\u7528<\/li>\n<li>\u8ca9\u58f2\u4fc3\u9032\u8cbb\u7528\uff08\uff11\uff12b-1\u8cbb\u7528\uff09\uff1a\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u8cbb\u7528<\/li>\n<li>\u7ba1\u7406\u624b\u6570\u6599\uff08\u53e3\u5ea7\u30b5\u30fc\u30d3\u30b9\u8cbb\u7528\uff09\uff1a\u30d5\u30a1\u30f3\u30c9\u306e\u4f1a\u8a08\u30fb\u4e8b\u52d9\u7ba1\u7406\u8cbb\u7528<\/li>\n<\/ul>\n<p>\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070Vanguard\u306a\u3069\u306f\u4e0b\u8a18\u306e\u3088\u3046\u306b\u624b\u6570\u6599\u660e\u7d30\u3092\u516c\u8868\u3057\u3066\u3044\u307e\u3059\uff08Total Stock Market Fund\u306e\u4f8b\uff09\u3002\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u6599\u306f0.16\uff05\u3067\u3059\u3002\u4e0b\u306b\u3042\u308b\u9805\u76ee\u306e\u6700\u521d\u306e\u3075\u305f\u3064\u306f\u3001\u8ca9\u58f2\u6642\u306e\u624b\u6570\u6599\u3068\u58f2\u5374\u6642\u306e\u624b\u6570\u6599\u3067\u3069\u3061\u3089\u3082\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u5c5e\u3057\u307e\u3059\u3002\u3042\u3068\u306e\u4e8c\u3064\u306f\u3001\u8ca9\u58f2\u4fc3\u9032\u8cbb\u7528\u3068\u7ba1\u7406\u624b\u6570\u6599\u3067\u3059\u3002\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u5834\u5408\u306f\u3001\u7ba1\u7406\u624b\u6570\u6599\uff08\u53e3\u5ea7\u306e\u7a2e\u985e\u306b\u3088\u3063\u3066\u6570\u5341\u30c9\u30eb\u306e\u56fa\u5b9a\u8cbb\uff09\u3068\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u65990.16\uff05\u306e\u8a2d\u5b9a\u304c\u3042\u308b\u3060\u3051\u3067\u3001\u3042\u3068\u306e\u8cbb\u7528\u304c\u304b\u304b\u3089\u306a\u3044\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3815\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-fee.jpg?resize=380%2C82\" alt=\"\" width=\"380\" height=\"82\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-fee.jpg?w=380&amp;ssl=1 380w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-fee.jpg?resize=300%2C65&amp;ssl=1 300w\" sizes=\"auto, (max-width: 380px) 100vw, 380px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3816\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-Fee-breakdown.jpg?resize=781%2C433\" alt=\"\" width=\"781\" height=\"433\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-Fee-breakdown.jpg?w=781&amp;ssl=1 781w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-Fee-breakdown.jpg?resize=300%2C166&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/02\/Vanguard-Fee-breakdown.jpg?resize=768%2C426&amp;ssl=1 768w\" sizes=\"auto, (max-width: 781px) 100vw, 781px\" 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