\u524d\u56de\u306f\u3001\u91d1\u878d\u5546\u54c1\u306e\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u306f\u3001\uff11\uff09\u81ea\u5206\u306e\u307e\u305a\u6e80\u305f\u3059\u3079\u304d\u7b2c\u4e00\u30cb\u30fc\u30ba\u304c\u4f55\u306a\u306e\u304b\u3092\u306f\u3063\u304d\u308a\u3055\u305b\u3001\u305d\u308c\u304c\u91d1\u878d\u5546\u54c1\u672c\u6765\u306e\u5b58\u5728\u610f\u7fa9\u3068\u3074\u3063\u305f\u308a\u3042\u3046\u3068\u304d\u306b\u3001\u306f\u3058\u3081\u3066\u8cfc\u5165\u3092\u691c\u8a0e\u3059\u3079\u304d\u3067\u3042\u308b\u3053\u3068\u3001\uff12\uff09\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5b58\u5728\u610f\u7fa9\u306f\u751f\u6daf\u5e74\u91d1\u306e\u78ba\u4fdd\u3067\u3042\u308a\u3001\u3053\u306e\u30cb\u30fc\u30ba\u304c\u306f\u3063\u304d\u308a\u3057\u3066\u3044\u308b\u3068\u304d\u3053\u305d\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u3092\u8003\u3048\u308b\u3079\u304d\u3067\u3042\u308b\u3053\u3068\u3001\uff13\uff09\u526f\u6b21\u7684\u30cb\u30fc\u30ba\u3068\u91d1\u878d\u5546\u54c1\u306e\u304a\u307e\u3051\u7684\u5f79\u5272\u306b\u307e\u3069\u308f\u3055\u308c\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u691c\u8a0e\u3092\u3057\u306a\u3044\u307b\u3046\u304c\u8ce2\u660e\u3067\u3042\u308b\u3053\u3068\u3000\u306b\u3064\u3044\u3066\u66f8\u304d\u307e\u3057\u305f\u3002\u3067\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3064\u3044\u3066\u304f\u308b\u304a\u307e\u3051\u7684\u306a\u9b45\u529b\u3084\u3001\u305d\u308c\u3089\u3067\u6e80\u305f\u305d\u3046\u3068\u3057\u304c\u3061\u306a\u526f\u6b21\u7684\u30cb\u30fc\u30ba\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306a\u304f\u3068\u3082\u4ed6\u306e\u5f62\u3067\u6e80\u305f\u305b\u308b\u3082\u306e\u306a\u306e\u304b\u3001\u305d\u308c\u3092\u8003\u3048\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n
<\/p>\n
<\/p>\n
\u3053\u306e\u30cb\u30fc\u30ba\u306f\u591a\u304f\u306e\u4eba\u304c\u6301\u3063\u3066\u3044\u308b\u30cb\u30fc\u30ba\u3067\u3059\u306d\u3002\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u3044\u3046\u306e\u306f\u3001\u304b\u306a\u308a\u98db\u8e8d\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u30cb\u30fc\u30ba\u306e\u305f\u3081\u306b\u306f\u3001\u307e\u305a401(k)\u3001403(b)\u3001457\u306a\u3069\u306e\u96c7\u7528\u8005\u63d0\u4f9b\u306e\u7a0e\u512a\u9047\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u3082\u3063\u3068\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u304b\u3001Traditional IRA\u3084Roth\u3000IRA\u306a\u3069\u306e\u500b\u4eba\u3067\u4f7f\u3048\u308b\u7a0e\u512a\u9047\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u307e\u3060\u5229\u7528\u3067\u304d\u308b\u3082\u306e\u304c\u6b8b\u3063\u3066\u3044\u306a\u3044\u304b\u3092\u307e\u305a\u8003\u3048\u307e\u3059\u3002\u3053\u308c\u3089\u304c\u4f7f\u3048\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u308f\u3056\u308f\u3056\u624b\u6570\u6599\u306e\u9ad8\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u5229\u7528\u3059\u308b\u5fc5\u8981\u306f\uff08\u7279\u6b8a\u30b1\u30fc\u30b9\u3092\u9664\u3044\u3066\uff09\u3042\u308a\u307e\u305b\u3093\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u696d\u754c\u5168\u4f53\u306e\u5e73\u5747\u624b\u6570\u6599\u306f\u5e74\u95932.27\uff05\u3067\u3059\uff08Morningstar\u793e\u8abf\u3079\uff09\u3002\u4e00\u65b9\u3001Vanguard\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306a\u3089\u3001\u624b\u6570\u6599\u306f0.20\uff05\u4ee5\u4e0b\u3067\u3059\u3002<\/p>\n
\u307e\u305f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u5fc5\u8981\u306a\u3089\u3044\u3064\u3067\u3082\u5951\u7d04\u3067\u304d\u307e\u3059\u3002\u8001\u5f8c\u306e\u84c4\u3048\u306f\u4e00\u523b\u3082\u65e9\u304f\u59cb\u3081\u305f\u65b9\u304c\u3088\u3044\u3067\u3059\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u672c\u5f53\u306b\u5fc5\u8981\u304b\u3069\u3046\u304b\u3068\u3069\u306e\u304f\u3089\u3044\u306e\u5e74\u91d1\u304c\u5fc5\u8981\u304b\u304c\u308f\u304b\u3063\u3066\u304b\u3089\u8cfc\u5165\u3057\u3066\u3082\u6c7a\u3057\u3066\u9045\u304f\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n
\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u5951\u7d04\u3057\u3066\u304b\u3089\u53d7\u3051\u53d6\u308a\u958b\u59cb\u307e\u3067\u306e\u671f\u9593\u306e\u6709\u7121\u306b\u3088\u3063\u3066\u3001Immediate Annuity\u3068Deferred Annuity\u3068\u306b\u5206\u304b\u308c\u307e\u3059\u3002Immediate\u306e\u307b\u3046\u306f\u3001\u5951\u7d04\u30fb\u5165\u91d1\u3057\u305f\u76f4\u5f8c\u304b\u3089\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3082\u306e\u3001Deferred\u306e\u307b\u3046\u306f\u3001\u5951\u7d04\u3057\u4e00\u5ea6\u306b\u5165\u91d1\u3059\u308b\u5834\u5408\u3082\u3042\u308c\u3070\u3001\u671f\u9593\u3092\u304b\u3051\u3066\u7a4d\u307f\u7acb\u3066\u3066\u3044\u304f\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3044\u305a\u308c\u306b\u305b\u3088\u5951\u7d04\u306e\u4f55\u5e74\u304b\u4f55\u5341\u5e74\u304b\u5f8c\u306b\u53d7\u3051\u53d6\u308a\u3092\u958b\u59cb\u3057\u307e\u3059\u3002\u53d7\u3051\u53d6\u308a\u304c\u958b\u59cb\u3055\u308c\u308b\u307e\u3067\u306e\u9593\u306f\u3001\u56fa\u5b9a\u5229\u56de\u308a\u3067\u904b\u7528\u3055\u308c\u308b\u3082\u306e\u3084\u81ea\u5206\u3067\u6295\u8cc7\u3057\u3066\u904b\u7528\u3059\u308b\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u8005\u306fFixed Annuity\u3001\u5f8c\u8005\u306fVariable Annuity\u3068\u547c\u3070\u308c\u307e\u3059\u3002Fixed\u3000Income\u3000Annuity\u3068\u3044\u3046\u306e\u306f\u5c06\u6765\u624b\u306b\u3067\u304d\u308b\u5e74\u91d1\u306e\u984d\u304c\u5951\u7d04\u6642\u306b\u56fa\u5b9a\u3055\u308c\u3001Fixed Deferred Annuity\u306a\u3089\u904b\u7528\u5229\u56de\u308a\u304c\u56fa\u5b9a\u3067\u4f38\u3073\u3001Variable\u306e\u307b\u3046\u306f\u6295\u8cc7\u306e\u7d50\u679c\u6b21\u7b2c\u3067\u5e74\u91d1\u984d\u304c\u304b\u308f\u308a\u307e\u3059\u3002<\/p>\n
<\/p>\n
<\/p>\n
\u79c1\u306f\u672c\u6765\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u3042\u308b\u3079\u304d\u57fa\u672c\u306fFixed Income Annuity\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u5c06\u6765\u78ba\u5b9f\u306b\u56fa\u5b9a\u53ce\u5165\u3092\u78ba\u4fdd\u3057\u305f\u3044\u304b\u3089\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u8cb7\u3046\u306e\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff1d\u5e74\u91d1\u306e\u610f\u5473\u306f\u3082\u3068\u3082\u3068\u306f\u305d\u3053\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u8001\u5f8c\u306e\u84c4\u3048\u306e\u305f\u3081\u306b\u3088\u304f\u63d0\u6848\u3055\u308c\u308b\u306e\u306fVariable Annuity\u3067\u3059\u304c\u3001\u6295\u8cc7\u306e\u7d50\u679c\u3067\u53d7\u53d6\u984d\u3082\u5897\u3048\u308b\u3068\u3044\u3046\u306e\u306f\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u6587\u53e5\u3067\u3042\u3063\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5728\u308a\u65b9\u3092\u66f2\u3052\u308b\u3082\u306e\u3067\u3042\u308b\u3068\u3082\u601d\u3044\u307e\u3059\u3002Variable\u3068\u3044\u3046\u3053\u3068\u306f\u3088\u304f\u3082\u306a\u308b\u304c\u60aa\u304f\u3082\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u4e0d\u78ba\u5b9a\u8981\u7d20\u304c\u9ad8\u3044\u305f\u3081\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u96e3\u3057\u304f\u3057\u307e\u3059\u3002\u3053\u306e\u4e0d\u78ba\u5b9a\u8981\u7d20\u3092\u306a\u304f\u3059\u305f\u3081\u3001\u5f8c\u8ff0\u306eGMIB\u3068\u304bGMWB\u306a\u3069\u3068\u3044\u3046\u4fdd\u8a3c\u8981\u7d20\u3092\u30e9\u30a4\u30c0\u30fc\u3068\u3057\u3066\u304f\u3063\u3064\u3051\u3066\u58f2\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5546\u54c1\u3082\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u4e0b\u8a18\u306e\u3088\u3046\u306a\u77db\u76fe\u8981\u7d20\u304c\u5426\u3081\u307e\u305b\u3093\u3002<\/p>\n
STEP1: \u3082\u3068\u3082\u3068\u56fa\u5b9a\u5e74\u91d1\u984d\uff08Guaranteed\u3060\u3063\u305f\u984d\uff09\u3092\u78ba\u4fdd\u3059\u308b\u305f\u3081\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3000\u3092<\/p>\n
STEP2: Variable\uff08\u6295\u8cc7\u306e\u7d50\u679c\u6b21\u7b2c\u3067\u5e74\u91d1\u984d\u304c\u5897\u3048\u308b\u3053\u3068\u3082\u3042\u308b\u3051\u3069\u3001\u6e1b\u308b\u3053\u3068\u3082\u3042\u308b\u3088\u3046\uff09\u306b\u5909\u66f4\u3057\u3066\u304a\u3044\u3066<\/p>\n
STEP3: \u3067\u3082\u6e1b\u3063\u3066\u306f\u56f0\u308b\u304b\u3089\u3001GM(Guaranteed Minimum)\u3068\u3044\u3046\u300c\u4fdd\u8a3c\u300d\u3092\u3064\u3051\u308b<\/p>\n
\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3001\u30d7\u30e9\u30b9\u3057\u3066\u30de\u30a4\u30ca\u30b9\u3057\u3066\u30d7\u30e9\u30b9\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u7121\u99c4\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3082\u4fdd\u967a\u4f1a\u793e\u306fSTEP1\u3067\u6599\u91d1\u3092\u3068\u308a\u3001STEP2\u3067\u6599\u91d1\u3092\u3068\u308a\u3001STEP3\u3067\u307e\u305f\u6599\u91d1\u3092\u3068\u308a\u3068\u4f55\u6bb5\u968e\u306b\u3082\u624b\u6570\u6599\u304c\u3068\u308c\u308b\u306e\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u306f\u5927\u304d\u306a\u5229\u30b6\u30e4\u3001\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u306f\u5927\u6575\u3068\u3044\u3046\u30b1\u30fc\u30b9\u304c\uff08\u5168\u90e8\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u305d\u3046\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\uff09\u975e\u5e38\u306b\u591a\u3044\u3067\u3059\u3002\u3053\u306e\u3053\u3068\u306f\u3001\u30bb\u30fc\u30eb\u30b9\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u8ca9\u58f2\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306e\u9ad8\u3055\uff08\u5546\u54c1\u306b\u3088\u3063\u3066\u9055\u3044\u307e\u3059\u304c\u3001\uff16~\uff17\uff05\u3068\u3044\u3046\u306e\u304c\u901a\u8aac\uff09\u306b\u3082\u8868\u308c\u3066\u3044\u307e\u3059\u3057\u3001Variable Annuity\u3092\u3081\u3050\u308b\u904e\u53bb\u306e\u8a34\u8a1f\u554f\u984c\u306e\u591a\u3055\u306b\u3082\u8868\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u3082\u3057\u307e\u3060\u5e74\u91d1\u53d7\u3051\u53d6\u308a\u3092\u958b\u59cb\u3057\u305f\u3044\u6642\u671f\u307e\u3067\u671f\u9593\u304c\u3042\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u307e\u305a\u624b\u6570\u6599\u306e\u4f4e\u3044\u52b9\u7387\u306e\u826f\u3044\u6295\u8cc7\u53e3\u5ea7\u3067\u5897\u3084\u3057\u3066\u7f6e\u3044\u3066\u304b\u3089\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u304c\u8fd1\u304f\u306a\u308a\u30ea\u30bf\u30a4\u30e4\u5f8c\u306e\u751f\u6d3b\u8cbb\u3084\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306a\u3069\u5177\u4f53\u7684\u306a\u6570\u5b57\u304c\u898b\u3048\u3060\u3057\u3066\u304b\u3089\u3001\u8caf\u3081\u3066\u304a\u3044\u305f\u6295\u8cc7\u3067\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u8cb7\u3046\u3068\u3044\u3046\u3053\u3068\u306f\u5341\u5206\u53ef\u80fd\u3067\u3059\u3057\u3001\u3053\u3061\u3089\u306e\u307b\u3046\u304c\u30d7\u30e9\u30cb\u30f3\u30b0\u4e0a\u3067\u3082\u7406\u306b\u9069\u3046\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
<\/p>\n
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\u591a\u304f\u306e\u4eba\u306b\u3068\u3063\u3066\u7406\u60f3\u7684\u306a\u8001\u5f8c\u8cc7\u91d1\u904b\u7528\u306e\u30b7\u30ca\u30ea\u30aa\u306f\u3001\u4f4e\u624b\u6570\u6599\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u3092\u4f7f\u3044\u3001401(k)\u3084IRA\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3067\u6295\u8cc7\u3092\u9032\u3081\u3001Variable Annuity\u3092\u4f7f\u3046\u3088\u308a\u3082\u52b9\u7387\u7684\u306b\u5897\u3084\u3057\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u304c\u307e\u3058\u304b\u306b\u306a\u3063\u3066\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u73fe\u5b9f\u7684\u306b\u306a\u3063\u305f\u6642\u70b9\u3067\u3001\u3061\u3087\u3046\u3069\u91d1\u5229\u3082\u305d\u3053\u305d\u3053\u306e\u30ec\u30d9\u30eb\u3067\u3042\u308b\u3068\u304d\u306bFixed Annuity\u3092\u5951\u7d04\u3057\u3066\u3001\u52b9\u7387\u7684\u306b\u5341\u5206\u306a\u56fa\u5b9a\u53ce\u5165\u3092\u78ba\u4fdd\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u91d1\u5229\u306e\u72b6\u6cc1\u3092\u307f\u3066\u3001\u3042\u308b\u7a0b\u5ea6\u5951\u7d04\u306e\u6642\u671f\u306f\u524d\u5f8c\u3055\u305b\u308b\u3053\u3068\u3082\u5fc5\u8981\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u3072\u3068\u3064\u3044\u3048\u308b\u3053\u3068\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300c\u5951\u7d04\u3057\u6025\u3050\u300d\u5fc5\u8981\u306f\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
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