{"id":4108,"date":"2017-08-01T08:35:05","date_gmt":"2017-08-01T16:35:05","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4108"},"modified":"2026-05-07T16:51:19","modified_gmt":"2026-05-08T00:51:19","slug":"fiduciary_effect","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/fiduciary_effect\/","title":{"rendered":"\u3042\u306a\u305f\u304c\u30b5\u30a4\u30f3\u3059\u308b\u3068\u8ab0\u304c\u5f97\u3092\u3059\u308b\u306e\u304b\uff1f"},"content":{"rendered":"<p>\u4ee5\u524d\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u6e96\u62e0\u3059\u308b\u3053\u3068\u304c\u6cd5\u5f8b\u5316\u3055\u308c\u305fFiduciary Rule\u306b\u3064\u3044\u3066\u8a18\u4e8b\u3092\u66f8\u304d\u307e\u3057\u305f\uff08<a href=\"http:\/\/smartandresponsible.com\/blog\/fiduciary\/\" ><strong>\u3042\u306a\u305f\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u672c\u5f53\u306b\u3042\u306a\u305f\u306e\u5473\u65b9\uff1f<\/strong><\/a>\uff09\u3002\u3053\u306eFiduciary Rule\u3068\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u3064\u3044\u3066\u6295\u8cc7\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u306f\u3001\u9867\u5ba2\u306b\u5bfe\u3057\u3066Fiduciary\u3067\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3001\u3064\u307e\u308a\u3001\u81ea\u5206\u81ea\u8eab\u306e\u5229\u76ca\u3088\u308a\u3082\u9867\u5ba2\u306e\u5229\u76ca\u3092\u512a\u5148\u3055\u305b\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3092\u898f\u5b9a\u3057\u305f\u30eb\u30fc\u30eb\u3067\u3059\u3002\u3053\u306eFiduciary Rule\u65bd\u884c\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u696d\u754c\u306b\u5927\u304d\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u3001\u305d\u306e\u5f71\u97ff\u306f\u3059\u3067\u306b\u6570\u5b57\u306b\u8868\u308c\u3001Variable Annuity(\u6295\u8cc7\u6210\u679c\u306b\u3088\u308a\u5e74\u91d1\u984d\u304c\u5909\u308f\u308b\u5909\u984d\u5e74\u91d1\u3002\u4ee5\u4e0b\u5909\u984d\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u547c\u3076)\u306e\u58f2\u308a\u4e0a\u3052\u3084IRA\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u306e\u6295\u8cc7\u984d\u3092\u5927\u304d\u304f\u6e1b\u5c11\u3055\u305b\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30cb\u30e5\u30fc\u30b9\u306e\u88cf\u306b\u96a0\u308c\u3066\u3044\u308b\u610f\u5473\u306f\u3001\u3053\u308c\u3089\u306e\u91d1\u878d\u5546\u54c1\u306e\u8ca9\u58f2\u304c\u3001\u672c\u6765\u9867\u5ba2\u306e\u5229\u76ca\u7b2c\u4e00\u512a\u5148\u3067\u884c\u308f\u308c\u3066\u3053\u306a\u304b\u3063\u305f\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u540c\u3058\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b9\u306b\u95a2\u308f\u308b\u7acb\u5834\u3068\u3057\u3066\u307e\u3063\u305f\u304f\u907a\u61be\u306a\u3053\u3068\u3067\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u306e\u3053\u3068\u3092\u8e0f\u307e\u3048\u3066\u3001\u91d1\u878d\u5546\u54c1\u3092\u8cfc\u5165\u3059\u308b\u500b\u4eba\u6d88\u8cbb\u8005\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u304c\u3001\u3053\u306e\u3053\u3068\u3092\u3069\u306e\u3088\u3046\u306b\u53d7\u3051\u6b62\u3081\u308c\u3070\u3044\u3044\u304b\u3092\u8003\u3048\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u306eFiduciary Rule\u306f\u3001\u7c73\u56fd\u52b4\u50cd\u7701\u304c\u767a\u8868\u3057\u305f\u3082\u306e\u3067\u3001\u30aa\u30d0\u30de\u653f\u6a29\u4e0b\u3067\u3064\u304f\u3089\u308c\u305f\u3082\u306e\u3067\u3059\u3002\u5f53\u521d\u306f2017\u5e74\u306e4\u6708\u306b\u30eb\u30fc\u30eb\u65bd\u884c\u304c\u4e88\u5b9a\u3055\u308c\u3066\u3044\u307e\u3057\u305f\u304c\u30012017\u5e741\u6708\u306b\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u306b\u304b\u308f\u308a\u30014\u6708\u65bd\u884c\u309260\u65e5\u9045\u3089\u305b\u30662017\u5e746\u6708\u65bd\u884c\u304c\u66ab\u5b9a\u7684\u306b\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3055\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u304cFiduciary Rule\u306e\u5185\u5bb9\u898b\u76f4\u3057\u3084\u65bd\u884c\u81ea\u4f53\u306b\u7269\u8a00\u3044\u3092\u3064\u3051\u3001\u65bd\u884c\u304c\u3055\u3089\u306b\u9045\u308c\u305f\u308a\u3042\u308b\u3044\u306f\u5927\u5e45\u306b\u5185\u5bb9\u304c\u7de9\u548c\u3055\u308c\u308b\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u3044\u3046\u4e88\u60f3\u3082\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u3042\u308c\u304b\u3089\u3044\u308d\u3044\u308d\u3042\u3063\u305f\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u3001Fiduciary Rule\u3069\u3053\u308d\u3067\u306f\u306a\u304f\u306a\u3063\u305f\u306e\u3067\u3057\u3087\u3046\u3001<del>\u3059\u3093\u306a\u308a\u30686\u6708\u306b\u65bd\u884c\u306e\u904b\u3073\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/del><\/p>\n<p>\uff0a\u305d\u306e\u5f8c\u3001\u90e8\u5206\u7684\u306a\u5c0e\u5165\u306f\u307f\u305f\u3082\u306e\u306e\u3001\u5b8c\u5168\u306a\u65bd\u884c\u306f\u3001\u5ea6\u91cd\u306a\u308b\u9045\u5ef6\u30672019\u5e747\u67081\u65e5\u307e\u3067\u5ef6\u671f\u3002\u5b8c\u5168\u65bd\u884c\u3092\u524d\u306b\u30012018\u5e746\u670821\u65e5\u306b\u306f\u00a0U.S. 5th Circuit Court of Appeals \u304c\u3053\u306e\u30eb\u30fc\u30eb\u3092\u53d6\u308a\u6d88\u3057\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\n\u3078\u3093\u3061\u304f\u308a\u3093\u306a\u8b70\u8ad6<\/h2>\n<p>\u3053\u306e\u30eb\u30fc\u30eb\u306b\u5bfe\u3057\u3066\u306f\u3001\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u3092\u306f\u3058\u3081\u5171\u548c\u515a\u304b\u3089\u306e\u6279\u5224\u304c\u3042\u308a\u3001\u6279\u5224\u306e\u4e3b\u8981\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u3053\u306e\u30eb\u30fc\u30eb\u306e\u65bd\u884c\u306b\u3088\u308a\u3001\u30d5\u30a1\u30a4\u30f3\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u6cd5\u5f8b\u306b\u6e96\u62e0\u3059\u308b\u305f\u3081\u306b\u6587\u66f8\u7ba1\u7406\u3084\u30c8\u30ec\u30fc\u30cb\u30f3\u30b0\u306a\u3069\u306e\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308a\u3001\u5168\u4f53\u7684\u306a\u30d5\u30a1\u30a4\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b9\u63d0\u4f9b\u30b3\u30b9\u30c8\u304c\u4e0a\u304c\u308b\u305f\u3081\u3001\u305d\u308c\u307b\u3069\u6295\u8cc7\u8cc7\u7523\u306e\u306a\u3044\u4e2d\u53e3\u9867\u5ba2\u4ee5\u4e0b\u306e\u5c64\u304c\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u3088\u3046\u3068\u3057\u3066\u3082\u53d7\u3051\u3089\u308c\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u308b\u30fb\u30fb\u3068\u3044\u3046\u8ad6\u70b9\u3067\u3057\u305f\u3002\u3044\u304b\u306b\u3082\u9867\u5ba2\u306e\u3053\u3068\u3092\u8003\u3048\u3066\u306e\u554f\u984c\u6307\u6458\u3068\u3044\u3046\u3088\u3046\u306b\u3082\u805e\u3053\u3048\u307e\u3059\u304c\u3001\u8003\u3048\u3066\u307f\u308c\u3070\u3053\u308c\u306f\u3068\u3066\u3082\u5999\u3067\u3078\u3093\u3061\u304f\u308a\u3093\u306a\u8b70\u8ad6\u3067\u3059\u3002\u8a00\u3044\u63db\u3048\u3066\u307f\u308b\u3068\u3053\u3093\u306a\u611f\u3058\u30fb\u30fb\u30fb<\/p>\n<p>&nbsp;<\/p>\n<p>\u5065\u5eb7\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u4f53\u306b\u3088\u3044\u3068\u3044\u3046\u3046\u305f\u3044\u6587\u53e5\u3067\u30d3\u30bf\u30df\u30f3\u5264\u3092\u58f2\u3063\u3066\u3044\u307e\u3057\u305f\u3002\u30d3\u30bf\u30df\u30f3\u5264\u306f\u3088\u3044\u6210\u5206\u3082\u5165\u3063\u3066\u3044\u308b\u3051\u3069\u3001\u5229\u76ca\u7387\u3092\u9ad8\u304f\u4fdd\u3064\u305f\u3081\u306b\u3042\u307e\u308a\u3088\u304f\u306a\u3044\u6210\u5206\u3082\u5165\u3063\u3066\u304a\u308a\u3001\u58f2\u308a\u3055\u3048\u3059\u308c\u3070\u5132\u304b\u308b\u306e\u3067\u30ac\u30f3\u30ac\u30f3\u58f2\u3063\u3066\u3044\u307e\u3057\u305f\u3002\u3067\u3082\u3053\u3093\u3069\u6cd5\u5f8b\u3067\u3001\u6d88\u8cbb\u8005\u304c\u640d\u3092\u305b\u305a\u3057\u304b\u3082\u6d88\u8cbb\u8005\u306e\u4f53\u306b\u3088\u3044\u3082\u306e\u3067\u306a\u3044\u3068\u58f2\u3063\u3066\u306f\u306a\u3089\u306a\u3044\u3001\u3064\u307e\u308a\u5065\u5eb7\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u81ea\u5206\u304c\u304a\u91d1\u3092\u5132\u3051\u308b\u305f\u3081\u3060\u3051\u306b\u58f2\u3063\u3066\u306f\u306a\u3089\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u8ca9\u58f2\u6642\u3001\u672c\u5f53\u306b\u305d\u308c\u304c\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u4f53\u306b\u826f\u3044\u3053\u3068\u3001\u3042\u308b\u3044\u306f\u640d\u3067\u306a\u3044\u3082\u306e\u3067\u3042\u308b\u3053\u3068\u3092\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3057\u305f\u308a\u3001\u8a18\u9332\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u3082\u5fc5\u8981\u3067\u3001\u305d\u306e\u305f\u3081\u52c9\u5f37\u3092\u3059\u308b\u6642\u9593\u3082\u5fc5\u8981\u3067\u3059\u3002\u305d\u306e\u5206\u306e\u30b3\u30b9\u30c8\u5897\u52a0\u5206\u3092\u3069\u3053\u304b\u3089\u304b\u78ba\u4fdd\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u3001\u305f\u304f\u3055\u3093\u30d3\u30bf\u30df\u30f3\u3092\u8cb7\u3063\u3066\u304f\u308c\u308b\u304a\u5ba2\u3055\u3093\u304b\u3089\u306f\u3001\u306a\u3093\u3089\u304b\u306e\u5f62\u3067\u5229\u76ca\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u4f55\u3068\u304b\u306a\u308b\u304c\u3001\u3042\u307e\u308a\u6570\u3092\u8cb7\u3063\u3066\u304f\u308c\u306a\u3044\u304a\u5ba2\u3055\u3093\u304b\u3089\u306f\u307e\u3068\u307e\u3063\u305f\u5229\u76ca\u304c\u671f\u5f85\u3067\u304d\u306a\u3044\u306e\u3067\u3001\u5065\u5eb7\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3053\u306e\u3088\u3046\u306a\u5c0f\u53e3\u304a\u5ba2\u3055\u3093\u306b\u306f\u30d3\u30bf\u30df\u30f3\u306f\u58f2\u3089\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u305d\u3082\u305d\u3082\u3088\u304f\u306a\u3044\u30d3\u30bf\u30df\u30f3\u5264\u306a\u3089\u3060\u308c\u3082\u8cb7\u308f\u306a\u304f\u3066\u3082\u554f\u984c\u306f\u306a\u3044\u308f\u3051\u3067\u3059\u3057\u3001\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u4f53\u306b\u826f\u3044\u3053\u3068\u78ba\u8a8d\u3057\u305f\u308a\u3001\u8a18\u9332\u3057\u305f\u308a\u3001\u52c9\u5f37\u3057\u305f\u308a\u3057\u306a\u3044\u3067\u58f2\u3063\u3066\u3044\u305f\u306e\u3060\u3063\u305f\u3089\u305d\u308c\u3053\u305d\u304c\u554f\u984c\u3060\u3063\u305f\u308f\u3051\u3067\u3059\u3057\u3001\u305d\u3082\u305d\u3082\u60aa\u3044\u3082\u306e\u3092\u58f2\u3063\u3066\u5132\u3051\u3066\u3044\u305f\u5229\u76ca\u304c\u306a\u304f\u306a\u308b\u304b\u3089\u305d\u308c\u3092\u88dc\u3066\u3093\u3059\u308b\u305f\u3081\u3069\u3046\u5229\u76ca\u3092\u78ba\u4fdd\u3059\u308b\u304b\u306b\u982d\u3092\u75db\u3081\u308b\u3053\u3068\u3053\u305d\u9053\u7fa9\u7684\u306b\u9593\u9055\u3063\u3066\u3044\u308b\u6c17\u304c\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u3059\u3067\u306b\u6570\u5b57\u306b\u8868\u308c\u3066\u3044\u308b<\/h2>\n<p>&nbsp;<\/p>\n<p>2016\u5e74\u5909\u984d\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u58f2\u308a\u4e0a\u3052\u306f\u5927\u304d\u304f\u6253\u6483\u3092\u53d7\u3051\u307e\u3057\u305f\u3002\u696d\u754c\u5168\u4f53\u3067\u58f2\u308a\u4e0a\u3052\u306f\u6fc0\u6e1b\u3057\u307e\u3057\u305f\u304c\u3001\u6e1b\u5c11\u7387\u304c\u5927\u304d\u3044\u3068\u3053\u308d\u304b\u3089\u4e0a\u3052\u308b\u3068\u3001Transamerica Life Insurance Co.\uff0845%\u6e1b\uff09\u3001Lincoln Financial Group(42%\u6e1b)\u3001\u00a0<a target=\"_blank\" href=\"http:\/\/careers.investmentnews.com\/adviser-center\/profile\/75\" >MetLife Inc.<\/a>(39%\u6e1b)\u3001American International Group(31%\u6e1b)\u3001Pacific Life Insurance Co(30%\u6e1b)\u3001Jackson National Life Insurance Co.(26%\u6e1b)\u3068\u3044\u3046\u5177\u5408\u3067\u3059\u3002\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u305d\u3082\u305d\u3082\u3001\u5909\u984d\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u554f\u984c\u306e\u591a\u3044\u5546\u54c1\u3067\u3001\u9ad8\u984d\u306e\u624b\u6570\u6599\u3084\u30b5\u30ec\u30f3\u30c0\u30fc\u624b\u6570\u6599\u306a\u3069\u304c\u554f\u984c\u306b\u306a\u308a\u3001\u591a\u304f\u306e\u8a34\u8a1f\u3082\u8d77\u3053\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u7a81\u304d\u8a70\u3081\u308c\u3070\u3001\u4eca\u56de\u306eFiduciary Rule\u304c\u3064\u304f\u3089\u308c\u305f\u7406\u7531\u306f\u3001\u3053\u308c\u3089\u306e\u554f\u984c\u306b\u8d77\u56e0\u3059\u308b\u3068\u3082\u8a00\u3048\u307e\u3059\u304c\u3001\u305d\u3046\u3044\u3046\u308f\u3051\u3067Fiduciary Rule\u304c\u5236\u5b9a\u3055\u308c\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u5909\u984d\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u58f2\u308a\u4e0a\u3052\u306f\u4e0b\u304c\u308a\u8abf\u5b50\u3067\u3057\u305f\u3002\u3068\u3053\u308d\u304cFiduciary Rule\u306e\u305b\u3044\u3067\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u304c\u5909\u984d\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u58f2\u308b\u306b\u3042\u305f\u3063\u3066\u306e\u300c\u5371\u967a\u6027\u300d\uff08\u3064\u307e\u308a\u3001\u9867\u5ba2\u306e\u5229\u76ca\u3092\u512a\u5148\u305b\u305a\u58f2\u3063\u305f\u3068\u8a00\u308f\u308c\u308b\uff09\u304c\u9ad8\u307e\u308a\u3001\u58f2\u308a\u63a7\u3048\u305f\u305f\u3081\u4e00\u6c17\u306b\u58f2\u308a\u4e0a\u3052\u6e1b\u5c11\u304c\u52a0\u901f\u3057\u305f\u3068\u3044\u3046\u72b6\u6cc1\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u540c\u3058\u30c8\u30ec\u30f3\u30c9\u304c\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fcIRA\u306b\u3082\u51fa\u3066\u3044\u307e\u3059\u3002401(k)\u306a\u3069\u306e\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u53c2\u52a0\u3057\u3066\u3044\u305f\u96c7\u7528\u8005\u304c\u3001\u8ee2\u8077\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u96c7\u7528\u4e3b\u3092\u96e2\u308c\u308b\u3068\u304d\u3001401(k)\u5185\u306e\u6b8b\u9ad8\u3092\u3001\u7b2c\u4e09\u8005\u306eIRA\u30a2\u30ab\u30a6\u30f3\u30c8\u306b\u79fb\u3057\uff08\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\uff09\u3059\u308b\u30d3\u30b8\u30cd\u30b9\u306f\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u306f\u3068\u3066\u3082\u304a\u3044\u3057\u3044\u30d3\u30b8\u30cd\u30b9\u3067\u3057\u305f\u3002\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u304c\u4e00\u5ea6\u306b\u52d5\u304f\u305f\u3081\u3001\u6295\u8cc7\u91d1\u984d\u306e\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3067\u8a08\u7b97\u3055\u308c\u308b\u30bb\u30fc\u30eb\u30b9\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u5927\u304d\u304f\u7a3c\u3052\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>401(k)\u306f\u3001\u96c7\u7528\u4e3b\u306e\u30dd\u30ea\u30b7\u30fc\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u307e\u307e\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e401(k)\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u304a\u91d1\u3092\u6b8b\u3057\u904b\u7528\u3057\u7d9a\u3051\u3066\u3082\u554f\u984c\u306a\u3044\u5834\u5408\u3082\u591a\u3044\u3067\u3059\u3002\u6b8b\u3057\u3066\u304a\u304f\u304b\u52d5\u304b\u3057\u305f\uff08\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3057\u305f\uff09\u65b9\u304c\u3044\u3044\u304b\u306f\u3001401(k)\u5185\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u9078\u629e\u80a2\u3084\u624b\u6570\u6599\u306a\u3069\u306e\u5927\u304d\u3055\u306b\u3088\u308a\u307e\u3059\u304c\u3001\u5927\u304d\u306a\u4f01\u696d\u306e401(k)\u306a\u3069\u306f\u5927\u53e3\u9867\u5ba2\u3067\u3042\u308b\u304c\u3086\u3048\u306b\u624b\u6570\u6599\u304c\u6975\u5b89\u3067\u3042\u3063\u305f\u308a\u3001\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u8cea\u3082\u9ad8\u3044\u5834\u5408\u304c\u591a\u304f\u3001\u7121\u7406\u306b\u5916\u306b\u304a\u91d1\u3092\u52d5\u304b\u3059\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u30bb\u30fc\u30eb\u30b9\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3092\u8ab2\u3059\u5834\u5408\u306b\u306f\u3001\u305d\u308c\u3060\u3051\u3067\u5168\u4f53\u984d\u306e\u6570\u30d1\u30fc\u30bb\u30f3\u30c8\u304c\u3068\u3089\u308c\u3066\u3057\u307e\u3046\u308f\u3051\u3067\u3001\u304a\u91d1\u3092\u52d5\u304b\u3059\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u76f8\u5f53\u306a\u3044\u3068\u5143\u304c\u53d6\u308c\u306a\u3044\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u306e\u3088\u3046\u306a\u3053\u3068\u306f\u3042\u307e\u308a\u8003\u3048\u305f\u3053\u3068\u306e\u306a\u3044\u4eba\u3082\u591a\u304f\u3001\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3092\u6c7a\u65ad\u3059\u308b\u3068\u304d\u306e\u5927\u304d\u306a\u8981\u56e0\u306f\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304b\u3089\u306e\u52e7\u3081\u3067\u3042\u308b\uff08\u7d04\uff13\uff10\uff05\uff09\u3068\u3044\u3046\u30ec\u30dd\u30fc\u30c8\u7d50\u679c\u3082\u3042\u304c\u3063\u3066\u3044\u307e\u3059\u3002\u3044\u308d\u3044\u308d\u3044\u3044\u9762\u3092\u4e26\u3079\u7acb\u3066\u3089\u308c\u308b\u3068\u5168\u4f53\u50cf\u3092\u898b\u6e21\u3055\u306a\u3044\u307e\u307e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b\u4eba\u3082\u5f8c\u3092\u7d76\u3061\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u305d\u3053\u3067\u4eca\u56de\u306eFiduciary Rule\u306e\u767b\u5834\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fcIRA\u306e\u5bfe\u8c61\u3068\u306a\u308b\u6295\u8cc7\u984d\u306f\u3001\u3053\u308c\u307e\u3067\u306e\u534a\u5206\u306e\u6c34\u6e96\u306b\u6e1b\u5c11\u3059\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u88cf\u8fd4\u305b\u3070\u3001\u3053\u308c\u307e\u3067\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3055\u308cIRA\u306b\u79fb\u3055\u308c\u305f\u91d1\u984d\u306e\u3046\u3061\u534a\u5206\u306f\u3001\u9867\u5ba2\u306b\u3068\u3063\u3066\u306e\u5229\u76ca\u304c\u6700\u512a\u5148\u3067\u306f\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u4eca\u3055\u3089\u30fb\u30fb\u30fb\uff1f<\/h2>\n<p>&nbsp;<\/p>\n<p>\u3068\u3042\u308b\u696d\u754c\u7d19\uff08\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u5411\u3051\u306e\u96d1\u8a8c\uff09\u304b\u3089\u306e\u4e00\u7bc0\uff1b<\/p>\n<p>\u201cThe rule will make an advisor stop and think: is this the right move for my client or prospective client?\u201d \u3000\uff08\u3053\u306e\u30eb\u30fc\u30eb\u306f\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u7acb\u3061\u6b62\u307e\u3089\u305b\u3001\u300c\u3053\u3046\u3059\u308b\u3053\u3068\u306f\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306b\u3068\u3063\u3066\u6700\u9069\u306a\u9078\u629e\u304b\u300d\u3068\u8003\u3048\u3055\u305b\u308b\u6a5f\u4f1a\u3068\u306a\u308b\u3002)<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u306e\u6700\u3082\u57fa\u672c\u7684\u3067\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b9\u306e\u51fa\u767a\u70b9\u3068\u3082\u3044\u3048\u308b\u554f\u3044\u3092\u3001\u4eca\u307e\u3067\u8003\u3048\u305f\u3053\u3068\u3082\u306a\u304b\u3063\u305f\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u4e00\u63e1\u308a\u306a\u3089\u305a\u6848\u5916\u591a\u304f\u3044\u308b\uff08\u3044\u305f\uff09\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u3042\u304d\u308c\u308b\u3053\u3068\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4ee5\u524d\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u6e96\u62e0\u3059\u308b\u3053\u3068\u304c\u6cd5\u5f8b\u5316\u3055\u308c\u305fFiduciary Rule\u306b\u3064\u3044\u3066\u8a18\u4e8b\u3092\u66f8\u304d\u307e\u3057\u305f\uff08\u3042\u306a\u305f\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u672c\u5f53\u306b\u3042\u306a\u305f\u306e\u5473\u65b9\uff1f\uff09\u3002\u3053\u306eFiduciary Rule\u3068\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4109,"comment_status":"closed","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":[47,42,75,45],"class_list":["post-4108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement","tag-retire","tag-choosing-insurance","tag-investment","tag-fighting-as-consumer"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP_contract.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-14g","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4108","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=4108"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4108\/revisions"}],"predecessor-version":[{"id":4471,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4108\/revisions\/4471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4109"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4108"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4108"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}