{"id":3906,"date":"2017-06-27T09:29:13","date_gmt":"2017-06-27T17:29:13","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3906"},"modified":"2026-05-05T15:50:59","modified_gmt":"2026-05-05T23:50:59","slug":"annuity5","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/annuity5\/","title":{"rendered":"\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u81ea\u4fe1\u3092\u3082\u3063\u3066\u5951\u7d04\u3059\u308b\u305f\u3081\u306b"},"content":{"rendered":"<p>4\u56de\u306b\u308f\u305f\u3063\u3066\u304a\u5c4a\u3051\u3057\u3066\u304d\u307e\u3057\u305f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3064\u3044\u3066\u306e\u30b7\u30ea\u30fc\u30ba\u3001\u4eca\u56de\u304c\u6700\u5f8c\u3067\u3059\u3002\u3053\u3053\u307e\u3067\u3001\u79c1\u305f\u3061\u306e\u6301\u3064\u30cb\u30fc\u30ba\u306e\u306a\u304b\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u5fc5\u305a\u3057\u3082\u6e80\u305f\u3055\u306a\u304f\u3066\u3082\u3044\u3044\u3001\u3042\u308b\u3044\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u6e80\u305f\u305b\u306a\u3044\u3082\u306e\u306b\u3064\u3044\u3066\u3072\u3068\u3064\u305a\u3064\u898b\u3066\u304d\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3<u>\u3067\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044<\/u>\u30cb\u30fc\u30ba\u3092\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002\u3053\u3053\u307e\u3067\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u6b20\u70b9\u3001\u6ce8\u610f\u70b9\u3070\u304b\u308a\u7f85\u5217\u3057\u307e\u3057\u305f\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u30cb\u30fc\u30ba\u306b\u5408\u3063\u305f\u4f7f\u3044\u65b9\u3092\u3059\u308c\u3070\u3068\u3066\u3082\u529b\u5f37\u3044\u5473\u65b9\u3067\u3059\u3002\u4ee5\u4e0b\u3067\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u672c\u6765\u306e\u5b58\u5728\u610f\u7fa9\u304c\u30ab\u30d0\u30fc\u3059\u308b\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u6e80\u305f\u3059\u3079\u304d\u30cb\u30fc\u30ba\u3092\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5951\u7d04\u304c\u7406\u306b\u9069\u3046\u305f\u3081\u306e\u6761\u4ef6<\/h2>\n<p>&nbsp;<\/p>\n<p>\u6b21\u306e\u8981\u7d20\u304c\u3059\u3079\u3066\u3042\u308b\u5834\u5408\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3078\u306e\u30cb\u30fc\u30ba\u304c\u3042\u308b\u3068\u5224\u65ad\u3067\u304d\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u305d\u306e\u4ed6\u4f01\u696d\u5e74\u91d1\u306a\u3069\u56fa\u5b9a\u3067\u6708\u3005\u671f\u5f85\u3067\u304d\u308b\u53ce\u5165\u304c\u5341\u5206\u3067\u306f\u306a\u304f\u3001\u8001\u5f8c\u306e\u56fa\u5b9a\u8af8\u7d4c\u8cbb\u3092\u30ab\u30d0\u30fc\u3067\u304d\u306a\u3044\u3002\u9055\u3046\u8a00\u3044\u65b9\u3092\u3059\u308b\u3068\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306b\u76ee\u6307\u3059\u5168\u7d4c\u8cbb\uff08\u56fa\u5b9a\uff0b\u3042\u308b\u7a0b\u5ea6\u306e\u6d41\u52d5\uff09\u306e\u3046\u3061\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u4f01\u696d\u5e74\u91d1\u306a\u3069\u3067\u30ab\u30d0\u30fc\u3067\u304d\u308b\u90e8\u5206\u304c\uff15\uff10\uff05\u306b\u6e80\u305f\u306a\u3044\uff08\u3053\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306f\u4eba\u306e\u4e3b\u89b3\u7684\u30cb\u30fc\u30ba\u3067\u3001\u3042\u308b\u7a0b\u5ea6\u6d41\u52d5\u7684\uff09\u3002<\/li>\n<li>\u3042\u308b\u7a0b\u5ea6\u306e\u307e\u3068\u307e\u3063\u305f\u8cc7\u91d1\u304c\u3042\u308b\u3002\u3042\u308b\u3044\u306f\u3053\u306e\u307e\u307e\u73fe\u5728\u306e\u8cc7\u91d1\u904b\u7528\u3092\u3057\u3066\u3044\u3051\u3070\u3001\u30ea\u30bf\u30a4\u30e4\u6642\u306b\u306f\u3042\u308b\u7a0b\u5ea6\u306e\u307e\u3068\u307e\u3063\u305f\u8cc7\u91d1\u306b\u306a\u308b\u3002\u305d\u306e\u3046\u3061\u3001\u4e00\u90e8\u306f\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u81ea\u7531\u306b\u5f15\u304d\u51fa\u305b\u308b\u8cc7\u91d1\u3068\u3057\u3066\u78ba\u4fdd\u3057\u3001\u4e00\u90e8\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u306b\u56de\u305b\u308b\u3002<\/li>\n<li>\u3044\u3063\u305f\u3093\u5951\u7d04\u3057\u305f\u3089\u89e3\u7d04\u305b\u305a\u6301\u3061\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u57fa\u672c\u7684\u306bWithdrawal\uff08\u5f15\u304d\u51fa\u3059\uff09\u3053\u3068\u306f\u5ff5\u982d\u306b\u7f6e\u304b\u305a\u3001\u3042\u304f\u307e\u3067\u56fa\u5b9a\u5e74\u91d1\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u3092\u72d9\u3046\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\u3053\u306e\u6761\u4ef6\u3092\u3059\u3079\u3066\u6e80\u305f\u3059\u5834\u5408\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u8cfc\u5165\u3092\u6b63\u5f53\u5316\u3059\u308b\u30cb\u30fc\u30ba\u304c\u3042\u308b\u3068\u5224\u65ad\u3057\u3066\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u307e\u305a\u306f\u3053\u3053\u304b\u3089\u59cb\u3081\u3088\u3046<\/h2>\n<p>&nbsp;<\/p>\n<p>\u3067\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3078\u306e\u30cb\u30fc\u30ba\u304c\u3042\u308b\u5834\u5408\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u9078\u3073\u306f\u3069\u3053\u304b\u3089\u59cb\u3081\u305f\u3089\u3088\u3044\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<p>\u4f4e\u624b\u6570\u6599\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u4fe1\u983c\u306e\u9ad8\u3044Vanguard \u793e\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u63d0\u643a\u3057\u3066Vanguard\u30de\u30fc\u30af\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u85a6\u3081\u3066\u3044\u307e\u3059\u3002Vanguard\u793e\u81ea\u4f53\u306f\u4fdd\u967a\u4f1a\u793e\u3067\u306f\u306a\u3044\u306e\u3067\u3001\u76f4\u63a5\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u58f2\u308c\u307e\u305b\u3093\u304c\u3001\u63d0\u643a\u4fdd\u967a\u4f1a\u793e\u304cVanguard\u793e\u306e\u4f4e\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u3092\u30d9\u30fc\u30b9\u306b\u904b\u7528\u3092\u3059\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3064\u304f\u308a\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u3089\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u5fc5\u305a\u3057\u3082\u3044\u3064\u3082\u30d9\u30b9\u30c8\u3068\u8a00\u3044\u5207\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u304c\u3001\u624b\u6570\u6599\u306e\u4f4e\u3055\u3068\u6bd4\u8f03\u306e\u3057\u3084\u3059\u3055\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u79f0\u8cdb\u306b\u8db3\u308a\u307e\u3059\u3002<\/p>\n<p>\u3088\u3063\u3066\u3001Smart &amp; Responsible\u306e\u304a\u52e7\u3081\u306f\u3001Vanguard\u63d0\u643a\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u898b\u7a4d\u3082\u308a\u3084\u624b\u6570\u6599\u3092\u8abf\u3079\u3001\u305d\u308c\u3092\u30d9\u30fc\u30b9\u306b\u3057\u4ed6\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u6bd4\u8f03\u3057\u3066\u3044\u304f\u65b9\u6cd5\u3067\u3059\u3002Vanguard\u3067\u306f\u3001Fixed Annuity\uff08Income Annuity\u3068Deferred Fixed Annuity\u306e\u7a2e\u985e\u304c\u3042\u308a\uff09\u3068Variable Annuity\u304c\u7d39\u4ecb\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4ee5\u4e0b\u3001\u3072\u3068\u3064\u305a\u3064\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>Fixed\u3000Annuity<\/h2>\n<p>&nbsp;<\/p>\n<p>Vanguard\u306f\u30012017\u5e745\u6708\u73fe\u5728\u3001AIG\u3001Integrity Companies\u3001Lincoln Financial\u3001Mutual Omaha\u3001Symetra\u306e5\u793e\u3068\u63d0\u643a\u3057\u3066\u304a\u308a\u3001<a target=\"_blank\" href=\"https:\/\/investor.vanguard.com\/annuity\/fixed\" >Vanguard\u306e\u30b5\u30a4\u30c8\u304b\u3089<\/a>\u30ea\u30f3\u30af\u3057\u305fIncome Solutions\u3068\u3044\u3046\u30b5\u30a4\u30c8\u3067Fixed Annuity\u306e\u898b\u7a4d\u3082\u308a\u3092\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059(\u6b8b\u5ff5\u306a\u304c\u3089\u5229\u7528\u306b\u306fVanguard\u3067\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\uff09\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u3001\u592b67\u6b73\u3001\u59bb65\u6b73\u3001$200,000\u3092\u4e00\u62ec\u3067\u5165\u308c\u3066\u3001\u3059\u3050\u306b\u5e74\u91d1\u5316\u3057\u3001\u3072\u3068\u308a\u304c\u4ea1\u304f\u306a\u3063\u305f\u6642\u3001\u3082\u3046\u3072\u3068\u308a\u3078\u306e\u53d7\u53d6\u984d\u306f\u5f53\u521d\u306e75\uff05\u306e\u5e74\u91d1\u984d\u306b\u306a\u308b\u3082\u306e\u306e\u898b\u7a4d\u3082\u308a\uff08Income Annuity\uff09\u3092\u3068\u308b\u3068\u3053\u3093\u306a\u304b\u3093\u3058\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3908\" src=\"http:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/Vanguard-Fixed-Annuity-Quote-67-65-200k-immediate-inflation-2-perc-spouse-75-perc.jpg\" alt=\"\" width=\"918\" height=\"607\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/Vanguard-Fixed-Annuity-Quote-67-65-200k-immediate-inflation-2-perc-spouse-75-perc.jpg 918w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/Vanguard-Fixed-Annuity-Quote-67-65-200k-immediate-inflation-2-perc-spouse-75-perc-300x198.jpg 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/Vanguard-Fixed-Annuity-Quote-67-65-200k-immediate-inflation-2-perc-spouse-75-perc-768x508.jpg 768w\" sizes=\"auto, (max-width: 918px) 100vw, 918px\" \/><\/p>\n<p>\u5de6\u5074\u306f\u5f53\u521d\u306e\u5e74\u91d1\u984d\uff08\u3069\u3061\u3089\u304b\u304c\u4ea1\u304f\u306a\u308b\u307e\u3067\u63d0\u793a\u306e\u56fa\u5b9a\u984d\u304c\u652f\u7d66\u3001\u3072\u3068\u308a\u304c\u4ea1\u304f\u306a\u3063\u305f\u5f8c\u306f\u5f53\u521d\u306e\u5e74\u91d1\u984d\u306e75%\u304c\u3082\u3046\u4e00\u4eba\u304c\u4ea1\u304f\u306a\u308b\u307e\u3067\u4e00\u751f\u6daf\u652f\u7d66\u3002\u30a4\u30f3\u30d5\u30ec\u5bfe\u5fdc\u306a\u3057\uff09\u3001\u53f3\u5074\u306f\u540c\u3058\u6761\u4ef6\u3067\u3001\u30a4\u30f3\u30d5\u30ec\u5bfe\u5fdc\u3042\u308a\u3067\u5e74\u3005\uff12\uff05\u305a\u3064\u4e0a\u6607\u3057\u3066\u3044\u304f\u3082\u306e\u3067\u3059\u3002\u6761\u4ef6\u306f\u5909\u66f4\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u306a\u304a\u3001Vanguard\u30de\u30fc\u30af\u306eFixed Annuity\u306f\u5951\u7d04\u6642\u306b\u5951\u7d04\u984d\u306e\u4e00\u5f8b\uff12\uff05\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u624b\u6570\u6599\u304c\u304b\u304b\u308a\u307e\u3059\u304c\u3001\u4e0a\u306e\u898b\u7a4d\u3082\u308a\u306e\u5e74\u91d1\u984d\u306f\u3059\u3067\u306b\uff12\uff05\u3092\u5dee\u3057\u5f15\u3044\u3066\u8a08\u7b97\u3055\u308c\u3066\u3044\u307e\u3059\u3002Fixed Annuity\u306f\u3001\u56fa\u5b9a\u91d1\u5229\u3084\u56fa\u5b9a\u652f\u6255\u984d\u306b\u3064\u3044\u3066\u306e\u5951\u7d04\u3067\u3059\u306e\u3067\u3001\u5e74\u91d1\u958b\u59cb\u307e\u3067\u306e\u9593\u5f15\u304d\u51fa\u3057\u3092\u3057\u306a\u3044\u306e\u304c\u539f\u5247\u3067\u3059\u304c\u3001\u5e74\u306b\u6b8b\u9ad8\u306e\uff11\uff10\uff05\u307e\u3067\u306f\u5f15\u304d\u51fa\u3057\u304c\u8a31\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3092\u8d85\u3048\u308b\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3068\u30b5\u30ec\u30f3\u30c0\u30c1\u30e3\u30fc\u30b8\u30fc\u30b8\uff08\u5f15\u304d\u51fa\u3057\u5e74\u306b\u3088\u308a\u5909\u308f\u308b\u3001\u5404\u793e\u3054\u3068\u306b\u30c1\u30a7\u30c3\u30af\u8981\uff09\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u5404\u793e\u306e\u8ca1\u52d9\u5065\u5168\u6027\u3082\u4e00\u7dd2\u306b\u30c1\u30a7\u30c3\u30af\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u30b7\u30f3\u30d7\u30eb\u306a\u6bd4\u8f03\u304c\u3067\u304d\u308b\u306e\u306f\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30d7\u30e9\u30b9\u3067\u3059\u3002\u3053\u308c\u4ee5\u5916\u306e\u4ed6\u793e\u304b\u3089\u898b\u7a4d\u3082\u308a\u3092\u3082\u3089\u3063\u305f\u5834\u5408\u306f\u3001\u30bb\u30fc\u30eb\u30b9\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u3053\u306e\u6761\u4ef6\u306b\u5408\u308f\u305b\u3066\u898b\u7a4d\u3082\u308a\u3092\u3057\u3066\u3082\u3089\u3044\u3001\u6bd4\u8f03\u3059\u308b\u3068\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u524d\u306b\u66f8\u304d\u307e\u3057\u305f\u3088\u3046\u306b\u3001\u3082\u3057\u6295\u8cc7\u904b\u7528\u671f\u9593\u3092\u7d4c\u3066\u304b\u3089\u5c06\u6765\u7684\u306b\u5e74\u91d1\u3092\u3082\u3089\u3044\u305f\u3044\u3068\u3044\u3046\u5834\u5408\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3067\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u4f7f\u308f\u305a\u3001\u307e\u305a\u306f\u4f4e\u624b\u6570\u6599\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u81ea\u5206\u3067\u6295\u8cc7\u3092\u3057\u3066\u5897\u3084\u3057\u3066\u304a\u3044\u3066\u3001\u6642\u671f\u304c\u6765\u305f\u3089\u3053\u306e\u3088\u3046\u306aFixed Annuity\u3092\u8cb7\u3063\u3066\u5e74\u91d1\u5316\u3059\u308b\u306e\u304c\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u3069\u3046\u3057\u3066\u3082\u6295\u8cc7\u904b\u7528\u3092\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u884c\u3044\u305f\u3044\u5834\u5408\u306f\u3001Variable Annuity\u3092\u5951\u7d04\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>Variable Annuity<\/h2>\n<p>&nbsp;<\/p>\n<p><a target=\"_blank\" href=\"https:\/\/personal.vanguard.com\/us\/whatweoffer\/annuities\/guaranteed-lifetime-withdrawal-benefit\" >Vanguard\u30de\u30fc\u30af\u306eVariable Annuity<\/a>\u306fTransamerica Premier\u3068\u3044\u3046\u4fdd\u967a\u4f1a\u793e\u304c\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Variable Annuity\u306f\u591a\u304f\u306e\u5834\u5408\u624b\u6570\u6599\u304c\u660e\u78ba\u306b\u8a18\u8f09\u3057\u3066\u306a\u304b\u3063\u305f\u308a\u3067\u3001\u3044\u3063\u305f\u3044\u3044\u304f\u3089\u3068\u3089\u308c\u308b\u306e\u304b\u3088\u304f\u308f\u304b\u3089\u306a\u3044\u3053\u3068\u304c\u591a\u3044\uff08\u30bb\u30fc\u30eb\u30b9\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3082\u3088\u304f\u77e5\u3089\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\uff09\u3067\u3059\u304c\u3001Vanguard\u306e\u5834\u5408\u3001\u9078\u3076\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3054\u3068\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u624b\u6570\u6599\u304c\u3044\u304f\u3089\u306a\u306e\u304b\u3092\u3059\u3063\u304d\u308a\u3068\u660e\u8a18\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3903\" src=\"http:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/vanguard-variable-annuity-expense.jpg\" alt=\"\" width=\"1199\" height=\"609\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/vanguard-variable-annuity-expense.jpg 1199w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/vanguard-variable-annuity-expense-300x152.jpg 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/vanguard-variable-annuity-expense-768x390.jpg 768w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/05\/vanguard-variable-annuity-expense-1024x520.jpg 1024w\" sizes=\"auto, (max-width: 1199px) 100vw, 1199px\" \/><\/p>\n<p>Total Expense Ratio\u306f\u3001\uff11\uff09\u305d\u308c\u305e\u308c\u306e\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u306e\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3001\uff12\uff09Mortality &amp; Expense Change\u624b\u6570\u6599\u3001\uff13\uff09Administrative Expense\u306e\u5408\u8a08\u624b\u6570\u6599\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306a\u304f\u3066\u3082\u5358\u306b\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u969b\u306b\u304b\u304b\u308b\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3067\u3059\u3002\u6295\u8cc7\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306b\u3088\u3063\u3066\u9055\u3044\u307e\u3059\u3002<\/li>\n<li>\u306f\u5bff\u547d\u306b\u95a2\u308f\u308b\u90e8\u5206\u306e\u8cbb\u7528\uff08\u65e9\u304f\u306a\u304f\u306a\u3063\u305f\u6642\u306e\u751f\u547d\u4fdd\u967a\u3001\u9577\u304f\u751f\u304d\u305f\u3068\u304d\u306e\u5e74\u91d1\u4fdd\u8a3c\uff09\u3084\u30ea\u30b9\u30af\u8abf\u6574\u8cbb\u7528\u306a\u3069\u3067\u4e00\u5f8b19%\u3002<\/li>\n<li>\u306f\u53e3\u5ea7\u7ba1\u7406\u8cbb\u7528\u3067\u4e00\u5f8b10%\u3067\u3059\u3002<\/li>\n<\/ul>\n<p>\u3053\u308c\u3092\u30c8\u30fc\u30bf\u30eb\u3057\u305fTotal Expense\u304c\u6700\u4f4e\u30670.44\uff05\u3001\u6700\u9ad8\u30670.73%\u3001\u5e73\u5747\u30670.54\uff05\u3068\u3044\u3046\u683c\u5b89\u30ec\u30d9\u30eb\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u696d\u754c\u306e\u624b\u6570\u6599\u5e73\u5747\u306f2.24%\uff08Morningstar\u793e\u30002015\u8abf\u3079\uff09\u3067\u3059\u304b\u3089\u3001Vanguard\u306e\u624b\u6570\u6599\u306e\u826f\u5fc3\u7684\u3055\u304c\u304a\u5206\u304b\u308a\u306b\u306a\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002\u591a\u304f\u306e\u4f1a\u793e\u306f\u9ad8\u984d\u306e\u30b5\u30ec\u30f3\u30c0\u30fc\u30c1\u30e3\u30fc\u30b8\u304c\u8a2d\u5b9a\u3057\u3066\u3042\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u304c\u3001Vanguard\u63d0\u643a\u306eVariable Annuity\u306f\u30b5\u30ec\u30f3\u30c0\u30fc\u30c1\u30e3\u30fc\u30b8\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ed6\u793e\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u3055\u307e\u3056\u307e\u306a\u30e9\u30a4\u30c0\u30fc\uff08\u7279\u7d04\uff09\u304c\u63d0\u4f9b\u3055\u308c\u3066\u304a\u308a\u3001\u305f\u3060\u3067\u3055\u3048\u8907\u96d1\u306a\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u307e\u3059\u307e\u3059\u8907\u96d1\u96e3\u89e3\u306b\u306a\u3063\u3066\u3044\u308b\u5834\u5408\u304c\u591a\u3044\u3067\u3059\u304c\u3001Vanguard\u306eVariable Annuity\u3067\u3064\u3051\u3089\u308c\u308b\u30e9\u30a4\u30c0\u30fc\u306fIncome Security Rider\uff1aGuaranteed Lifetime Withdrawal Benefit\uff08GLWB\uff09\u306e\u4e00\u3064\u3060\u3051\u3067\u3059\u3002<\/p>\n<p>Vanguard\u306eVariable Annuity\u306f\u3001\u304a\u91d1\u3092\u53d7\u3051\u53d6\u308b\u6bb5\u968e\u306b\u306a\u3063\u305f\u3068\u304d\u3075\u305f\u3064\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5316\u3068\u3044\u3063\u3066\u3001\u305d\u306e\u6642\u70b9\u3067\u8caf\u307e\u3063\u3066\u3044\u308b\u304a\u91d1\u3092\u3082\u3068\u306b\u3001\u4e00\u751f\u6daf\u7d9a\u304f\u5e74\u91d1\u3092\u53d7\u3051\u53d6\u308b\u65b9\u6cd5\u3067\u3059\u3002\u3053\u308c\u306f\u305d\u306e\u6642\u70b9\u3067\u8caf\u307e\u3063\u3066\u3044\u308b\u91d1\u984d\u3092\u4fdd\u967a\u4f1a\u793e\u306b\u4e00\u62ec\u3067\u53d7\u3051\u6e21\u3057\u3001\u305d\u306e\u4ee3\u308f\u308a\u4fdd\u967a\u4f1a\u793e\u304c\u8cac\u4efb\u3092\u3082\u3063\u3066\u3001\u7d04\u675f\u3059\u308b\u91d1\u984d\u3092\u4e00\u751f\u6daf\u6255\u3044\u7d9a\u3051\u3066\u304f\u308c\u307e\u3059\u3002\u4e00\u5b9a\u984d\u304c\u4e00\u751f\u6daf\u7d9a\u304d\u307e\u3059\u304c\u3001\u305f\u3060\u305d\u306e\u984d\u3092\u5909\u66f4\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>\u3082\u3046\u4e00\u3064\u306e\u65b9\u6cd5\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5316\u306f\u305b\u305a\u3001\u305d\u306e\u4ee3\u308f\u308a\u306b\u5f15\u304d\u51fa\u3059\uff08Withdraw\uff09\u3053\u3068\u3067\u53ce\u5165\u3092\u78ba\u4fdd\u3057\u3066\u3044\u304f\u65b9\u6cd5\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5316\u3059\u308b\u3068\u304d\u306e\u3088\u3046\u306b\u3001\u8caf\u307e\u3063\u3066\u3044\u308b\u6b8b\u9ad8\u3092\u4fdd\u967a\u4f1a\u793e\u306b\u4e00\u62ec\u3067\u53d7\u3051\u6e21\u3059\u308f\u3051\u3067\u306f\u304f\u3001\u81ea\u5206\u306e\u304a\u91d1\u3068\u3057\u3066\u53e3\u5ea7\u306b\u6b8b\u3063\u3066\u3044\u307e\u3059\uff08\u6295\u8cc7\u3057\u7d9a\u3051\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\uff09\u306e\u3067\u3001\u3044\u304f\u3089\u3067\u3082\u597d\u304d\u306b\u5f15\u304d\u51fa\u3057\u3066\u69cb\u3044\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u65e9\u304f\u5f15\u304d\u3060\u305b\u3070\u65e9\u304f\u304a\u91d1\u304c\u5c3d\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u308c\u3092\u9632\u3050\u305f\u3081\u306b\u3001\u5f15\u304d\u51fa\u3057\u3066\u3088\u3044\u984d\u306b\u4e0a\u9650\u3092\u6c7a\u3081\u3001\u305d\u306e\u4e0a\u9650\u4ee5\u5185\u3067\u5f15\u304d\u51fa\u3057\u3066\u3044\u308b\u9650\u308a\u306f\u4e00\u751f\u6daf\u5f15\u304d\u51fa\u305b\u308b\u3088\u3046\u4fdd\u8a3c\u3057\u3066\u3082\u3089\u3048\u308b\u88dc\u511f\u304c\u3001Income Security Rider\u3067\u3059\u3002\u5f15\u304d\u51fa\u3057\u984d\u306f\u3001\u305d\u306e\u90fd\u5ea6\u306e\u30d9\u30fc\u30b9\u91d1\u984d\uff08\u5897\u3048\u308b\u3053\u3068\u306f\u3042\u3063\u3066\u3082\u6e1b\u3089\u306a\u3044\uff09\u306b\u3001\u5f15\u304d\u51fa\u3057\u958b\u59cb\u5e74\u9f62\u306b\u3088\u3063\u3066\u6c7a\u307e\u308b\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3092\u304b\u3051\u3042\u308f\u305b\u305f\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u30e9\u30a4\u30c0\u30fc\u306e\u8cbb\u7528\u306f1.20%\/\u5e74\u3067\u3059\u3002\u3053\u306e\u30e9\u30a4\u30c0\u30fc\u306f90\u6b73\u307e\u3067\u306e\u9593\u306a\u3089\u3044\u3064\u3067\u3082\u5951\u7d04\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5b89\u304f\u306f\u306a\u3044\u30e9\u30a4\u30c0\u30fc\u306a\u306e\u3067\u3001\u5951\u7d04\u3059\u3079\u304d\u304b\u3059\u3079\u304d\u3067\u306a\u3044\u304b\u3001\u3059\u308b\u306a\u3089\u3069\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u3059\u3079\u304d\u304b\u306f\u614e\u91cd\u306b\u691c\u8a0e\u3059\u3079\u304d\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u4ee5\u5916\u306e\u30e9\u30a4\u30c0\u30fc\u306f\u63d0\u4f9b\u3055\u308c\u3066\u304a\u3089\u305a\u3001\u3042\u308b\u610f\u5473\u3001\u3053\u308c\u4ee5\u5916\u306e\u30e9\u30a4\u30c0\u30fc\u306f\u591a\u304f\u306e\u30b1\u30fc\u30b9\u3067\u4e0d\u5fc5\u8981\u3060\u3068\u3044\u3046\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u308b\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>Variable Annuity\u306f\u3001\u4f55\u5ea6\u3082\u66f8\u3044\u3066\u3044\u308b\u901a\u308a\u3001\u305d\u308c\u81ea\u4f53\u306e\u9078\u629e\u3092\u307e\u305a\u614e\u91cd\u306b\u8003\u3048\u305f\u65b9\u304c\u3088\u3044\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3067\u3059\u3002\u524d\u8ff0\u306e\u3068\u304a\u308aVanguard Variable Annuity\u306e\u624b\u6570\u6599\u306f\u5e73\u5747\u30670.54%\u3068\u4f4e\u304f\u306f\u3042\u308a\u307e\u3059\u304c\u3001Vanguard\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306b\uff08\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u901a\u3057\u3066\u3067\u306f\u306a\u304f\uff09\u76f4\u63a5\u6295\u8cc7\u3059\u308c\u3070\u3001Mortality Expense\u3084Administrative Expense\u306a\u3069\u306f\u5fc5\u8981\u3067\u306a\u304f\u3001\u304b\u304b\u308b\u624b\u6570\u65990.04~0.20%\u7a0b\u5ea6\u307e\u3067\u4e0b\u304c\u308a\u307e\u3059\u3002\u672c\u5f53\u306b\u5fc5\u8981\u3067\u306a\u3044\u624b\u6570\u6599\u306a\u3089\u6255\u308f\u306a\u3044\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3069\u3046\u3057\u3066\u3082Variable Annuity\u304c\u5fc5\u8981\u3067\u3042\u308b\u3068\u3044\u3046\u5834\u5408\u306f\u3001\u3053\u3053\u306b\u3042\u308bVanguard Annuity\u3092\u8003\u616e\u3057\u3001\u4ed6\u793e\u306eVariable Annuity\u3082\u8003\u616e\u3059\u308b\u5834\u5408\u306f\u3001Vanguard\u306e\u624b\u6570\u6599\u3068\u4ed8\u304d\u5408\u308f\u305b\u308b\u5f62\u3067\u6bd4\u8f03\u3059\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002\u30bb\u30fc\u30eb\u30b9\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3001Mortality Expense\u3001Administration Expense\u3001\u30e9\u30a4\u30c0\u30fc\u8cbb\u7528\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u8ca1\u52d9\u5065\u5168\u6027\u306a\u3069\u3092\u5177\u4f53\u7684\u306b\u78ba\u8a8d\u3059\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u3088\u304f\u7b54\u3048\u304c\u898b\u3064\u304b\u3089\u306a\u3044\u5834\u5408\u306f\u300c\u624b\u6570\u6599\u304c\u30bc\u30ed\u300d\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u306a\u304f\u3066\u3001\u300c\u308f\u304b\u3089\u306a\u3044\u3088\u3046\u306b\u57cb\u3081\u3089\u308c\u3066\u3044\u308b\u300d\u3068\u7406\u89e3\u3057\u305f\u65b9\u304c\u7121\u96e3\u3067\u3059\u3002Vanguard\u306e\u5546\u54c1\u306f\u624b\u6570\u6599\u304c\u975e\u5e38\u306b\u660e\u78ba\u306b\u516c\u958b\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u306f\u3001\u305d\u308c\u3089\u306e\u624b\u6570\u6599\u304c\u3057\u304b\u308b\u3079\u304d\u624b\u6570\u6599\u3067\u3042\u308a\u3001\u307e\u305f\u6b63\u5f53\u306a\u984d\u3060\u304b\u3089\u3067\u3059\u3002Vanguard\u306b\u3042\u308b\u624b\u6570\u6599\u304c\u3001\u4ed6\u793e\u3067\u304b\u304b\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u307b\u307c100%\u306a\u3044\u3068\u8a00\u3063\u3066\u3082\u904e\u8a00\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u53cd\u5bfe\u306f\u5927\u3044\u306b\u3042\u308a\u3048\u308b\u3068\u7406\u89e3\u3057\u305f\u307b\u3046\u304c\u7121\u96e3\u3067\u3059\u3002<\/p>\n<p>\u3069\u3046\u305e\u7d0d\u5f97\u306e\u3044\u304f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u9078\u629e\u3092\u306a\u3055\u3063\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>4\u56de\u306b\u308f\u305f\u3063\u3066\u304a\u5c4a\u3051\u3057\u3066\u304d\u307e\u3057\u305f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3064\u3044\u3066\u306e\u30b7\u30ea\u30fc\u30ba\u3001\u4eca\u56de\u304c\u6700\u5f8c\u3067\u3059\u3002\u3053\u3053\u307e\u3067\u3001\u79c1\u305f\u3061\u306e\u6301\u3064\u30cb\u30fc\u30ba\u306e\u306a\u304b\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u5fc5\u305a\u3057\u3082\u6e80\u305f\u3055\u306a\u304f\u3066\u3082\u3044\u3044\u3001\u3042\u308b\u3044\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u6e80\u305f\u305b\u306a\u3044\u3082\u306e\u306b\u3064\u3044\u3066\u3072\u3068\u3064\u305a\u3064\u898b\u3066\u304d\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u30cb\u30fc\u30ba\u3092\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002\u3053\u3053\u307e\u3067\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u6b20\u70b9\u3001\u6ce8\u610f\u70b9\u3070\u304b\u308a\u7f85\u5217\u3057\u307e\u3057\u305f\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u30cb\u30fc\u30ba\u306b\u5408\u3063\u305f\u4f7f\u3044\u65b9\u3092\u3059\u308c\u3070\u3068\u3066\u3082\u529b\u5f37\u3044\u5473\u65b9\u3067\u3059\u3002\u4ee5\u4e0b\u3067\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u672c\u6765\u306e\u5b58\u5728\u610f\u7fa9\u304c\u30ab\u30d0\u30fc\u3059\u308b\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u6e80\u305f\u3059\u3079\u304d\u30cb\u30fc\u30ba\u3092\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":3997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[36,38],"tags":[47,56,45],"class_list":["post-3906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement","tag-retire","tag-protect-your-family","tag-fighting-as-consumer"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-fruit-stand.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/s1OwA5-annuity5","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3906","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=3906"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts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