{"id":4192,"date":"2017-12-12T09:26:59","date_gmt":"2017-12-12T17:26:59","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4192"},"modified":"2017-11-28T17:03:35","modified_gmt":"2017-11-29T01:03:35","slug":"long_term_investing4","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/long_term_investing4\/","title":{"rendered":"\u308f\u304b\u308b\u9577\u671f\u6295\u8cc7\uff1a\u3053\u308c\u3060\u3051\u62bc\u3055\u3048\u3066\u3057\u3063\u304b\u308a\u904b\u7528\uff084\uff09"},"content":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u306a\u3069\u306e\u9577\u671f\u6295\u8cc7\u3092\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u3001\u6700\u4f4e\u9650\u77e5\u3063\u3066\u304a\u304f\u3079\u304d\u30dd\u30a4\u30f3\u30c8\u3092\u6291\u3048\u3001\u3067\u304d\u308b\u3060\u3051\u7c21\u5358\u306b\u9577\u671f\u6295\u8cc7\u3092\u59cb\u3081\u308b\u3001\u3042\u308b\u3044\u306f\u7dad\u6301\u3057\u3066\u3044\u304f\u305f\u3081\u306e\u8003\u3048\u65b9\u3092\u8eab\u306b\u3064\u3051\u308b\u30b7\u30ea\u30fc\u30ba\u30925\u56de\u306b\u5206\u3051\u3066\u304a\u9001\u308a\u3057\u307e\u3059\u30021\u56de\u76ee\u3067\u306f\u3001\u6295\u8cc7\u306e\u57fa\u672c\u3067\u3042\u308b\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u306f\u4f55\u304b\u3068\u305d\u306e\u52b9\u679c\u306b\u3064\u3044\u3066\u898b\u3066\u307f\u307e\u3057\u305f\u30022\u56de\u76ee\u3067\u306f\u3001\u5b9f\u969b\u306b\u3069\u3046\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u5b9f\u73fe\u3059\u308b\u304b\u3067\u3001\u4e8c\u6bb5\u968e\u306b\u5206\u3051\u3066\u8003\u3048\u308b\u3053\u3068\u304c\u5fc5\u8981\u306a\u3053\u3068\u3068\u3001\u305d\u306e\u4e00\u6bb5\u968e\u76ee\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u5185\u3067\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u3001\u30a4\u30f3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3046\u3068\u52b9\u7387\u304c\u3088\u3044\u3053\u3068\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u30023\u56de\u76ee\u3067\u306f\u3001\u4e8c\u6bb5\u968e\u76ee\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3092\u8d85\u3048\u3066\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u3057\u3066\u3001\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u8003\u3048\u65b9\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u30024\u56de\u76ee\u306e\u4eca\u56de\u306f\u3001\u3075\u305f\u3064\u3081\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u7d9a\u304d\u3067\u3059\u3002\u5b9f\u969b\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u6c7a\u3081\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u3044\u304f\u30b9\u30c6\u30c3\u30d7\u3092\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h2>\u6295\u8cc7\u671f\u9593\u306b\u5f93\u3063\u3066\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u8003\u3048\u308b<\/h2>\n<p>\u6295\u8cc7\u671f\u9593\u306b\u5f93\u3063\u3066\u8a31\u3059\u9650\u308a\u306e\u30ea\u30b9\u30af\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306a\u3069\u306e\u5834\u5408\u3067\u3042\u308c\u3070\u3001\u5e74\u9f62\u306b\u3088\u3063\u3066\u63d0\u6848\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u3002\u3088\u304f\u4f7f\u308f\u308c\u308b\u3084\u308a\u65b9\u306f\u3001100\u304b\u3089\u5e74\u9f62\u3092\u5f15\u3044\u305f\u3082\u306e\u3092\u682a\u5f0f\u6bd4\u7387\u3068\u3059\u308b\u3068\u3044\u3046\u3084\u308a\u65b9\u3067\u3059\u3002\u4e0b\u306e\u4e00\u756a\u5de6\u306e\u8868\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u3060\u3068\u304b\u306a\u308a\u4fdd\u5b88\u7684\u306a\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u306a\u308a\u304c\u3061\u306a\u306e\u3067\u3001110\u3084120\u304b\u3089\u5e74\u9f62\u3092\u5dee\u3057\u5f15\u304f\u3068\u3044\u3046\u306e\u3082\u4f7f\u308f\u308c\u307e\u3059\u3002\u771f\u3093\u4e2d\u3068\u53f3\u306e\u8868\u3067\u3059\u3002\u3053\u306e\u8868\u306e\u3046\u3061\u3069\u308c\u304b\u3072\u3068\u3064\u3092\u9078\u3070\u306d\u3070\u306a\u3089\u306b\u3068\u3044\u3046\u308f\u3051\u3067\u3082\u306a\u304f\u3001\u6700\u521d\u306f\u4e00\u756a\u53f3\u306e\u6bd4\u8f03\u7684\u30a2\u30b0\u30ec\u30c3\u30b7\u30d6\u306a\u3084\u308a\u65b9\u3067\u306f\u3058\u3081\u3001\u5e74\u9f62\u304c\u4e0a\u304c\u308b\u306b\u3064\u308c\u3066\u771f\u3093\u4e2d\u3084\u5de6\u306e\u8868\u306b\u30b7\u30d5\u30c8\u3057\u3066\u3044\u304f\u3068\u3044\u3046\u3084\u308a\u65b9\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><img 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Risk(\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u53ef\u80fd\u306a\u30ea\u30b9\u30af)\u3068\u547c\u3070\u308c\u3001\u3053\u306e\u30ea\u30b9\u30af\u3092\u3068\u308b\u3053\u3068\u306f\u610f\u5473\u304c\u306a\u3044\u3001\u3064\u307e\u308a\u5fc5\u305a\u3057\u3082\u30cf\u30a4\u30ea\u30b9\u30af\u3092\u3068\u3063\u3066\u3082\u30cf\u30a4\u30ea\u30bf\u30fc\u30f3\u306b\u306a\u308b\u3068\u9650\u3089\u306a\u3044\u3082\u306e\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u5225\u306a\u8a00\u3044\u65b9\u3092\u3059\u308c\u3070\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3059\u308c\u3070\u306a\u304f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u30ea\u30b9\u30af\u3067\u3042\u308a\u3001\u306a\u304f\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u30ea\u30b9\u30af\u3092\u308f\u3056\u308f\u3056\u3068\u308b\u5fc5\u8981\u306f\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u53cd\u5bfe\u306b\u3001\u3053\u3053\u3067\u3054\u7d39\u4ecb\u3057\u3066\u3044\u308b\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u5909\u3048\u308b\u3053\u3068\u3067\u8abf\u7bc0\u3059\u308b\u30ea\u30b9\u30af\u306fUndiversifiable Risk(\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u4e0d\u53ef\u80fd\u306a\u30ea\u30b9\u30af)\u3068\u547c\u3070\u308c\u3001\u3053\u306e\u30ea\u30b9\u30af\u3092\u3068\u308b\u610f\u5473\u306f\u3042\u308a\u307e\u3059\u3002\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u306a\u304f\u3059\u3053\u3068\u306e\u3067\u304d\u306a\u3044\u3001\u771f\u306e\u5e02\u5834\u306b\u3042\u308b\u30ea\u30b9\u30af\u3068\u3067\u3082\u3044\u3044\u307e\u3057\u3087\u3046\u304b\u3001\u3068\u308b\u4fa1\u5024\u306e\u3042\u308b\u30ea\u30b9\u30af\u3067\u3059\u3002\u3053\u308c\u3086\u3048\u3001\u307e\u305a\u306f\uff11\uff09\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u5206\u6563\u3092\u6700\u5927\u5316\u3057\u3066\u5e02\u5834\u306b\u3042\u308b\u771f\u306e\u30ea\u30b9\u30af\u3060\u3051\u3092\u6b8b\u3057\u3066\u3042\u3068\u306f\u306a\u304f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u30ea\u30b9\u30af\u306f\u5206\u6563\u3057\u3001\uff12\uff09\u6b21\u306b\u305d\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u3064\u304b\u3063\u3066\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30b7\u30e7\u30fc\u30f3\u3092\u3057\u3066\u5fc5\u8981\u306a\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3092\u3068\u3044\u3046\u9806\u756a\u306b\u306a\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n<p>\u682a\u5f0f\u3068\u50b5\u5238\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u6c7a\u307e\u308a\u307e\u3057\u305f\u306e\u3067\u3001\u6b21\u306f\u3053\u306e\u682a\u5f0f\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u4e2d\u3068\u50b5\u5238\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u4e2d\u3067\u3001\u305d\u308c\u305e\u308c\u3055\u3089\u306b\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u78ba\u4fdd\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u682a\u5f0f\uff08\uff33\uff54\uff4f\uff43\uff4b\uff09\u3068\u50b5\u5238\uff08\uff22ond)\u304c\u5927\u30ab\u30c6\u30b4\u30ea\u30fc\u3068\u3059\u308b\u3068\u3001\u305d\u306e\u5927\u30ab\u30c6\u30b4\u30ea\u30fc\u3092\u3055\u3089\u306b\u30d6\u30ec\u30a4\u30af\u30c0\u30a6\u30f3\u3057\u305f\u306e\u304c\u4e2d\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u3001\u682a\u306e\u5834\u5408\u3067\u3059\u3068\u3001US\u56fd\u5185\u682a\u5f0f\u3001\u5148\u9032\u56fd\u682a\u5f0f\u3001\u65b0\u8208\u56fd\u682a\u5f0f\u306a\u3069\u306b\u5206\u304b\u308c\u3001\u307e\u305f\u305d\u306e\u4e2d\u30ab\u30c6\u30b4\u30ea\u30fc\u304c\u3055\u3089\u306b\u7d30\u304b\u304f\u5206\u304b\u308c\u307e\u3059\u3002US\u56fd\u5185\u682a\u5f0f\u306e\u5834\u5408\u306a\u3089\u3001\u8cc7\u672c\u30b5\u30a4\u30ba\u3054\u3068\u306bLarge-cap, Mid-cap, Small-cap\u306b\u5206\u3051\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u30bb\u30af\u30bf\u30fc\uff08\u696d\u7a2e\uff09\u3054\u3068\u306bIT\u682a\u3001\u30d8\u30eb\u30b9\u30b1\u30a2\u682a\u306a\u3069\u306b\u5206\u3051\u305f\u308a\u3057\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4185\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/category-of-assets.jpg?resize=538%2C179\" alt=\"\" width=\"538\" height=\"179\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/category-of-assets.jpg?w=538&amp;ssl=1 538w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/category-of-assets.jpg?resize=300%2C100&amp;ssl=1 300w\" sizes=\"auto, (max-width: 538px) 100vw, 538px\" \/><\/p>\n<p>\u3088\u304f\u4f7f\u308f\u308c\u308b\u304a\u85a6\u3081\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u306e\u78ba\u4fdd\u306e\u3057\u304b\u305f\u306f\u3001\u4e2d\u30ab\u30c6\u30b4\u30ea\u30fc\u30ec\u30d9\u30eb\u3067\u884c\u3046\u65b9\u6cd5\u3067\u3059\u3002US\u56fd\u5185\u682a\u5f0f\u3067\u3042\u308c\u3070\u3001Total Market Index\u3092\u8ffd\u968f\u3059\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3053\u3068\u3067\u3001\u56fd\u5185\u682a4,000\u682a\u306b\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4e2d\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u3053\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u3092\u9078\u3076\u3053\u3068\u3067\u3001\u5c0f\u30ab\u30c6\u30b4\u30ea\u306eLarge-cap, Mid-cap, Small-cap\u306e\u3069\u306e\u30ec\u30d9\u30eb\u3082\u3001\u307e\u305fIT\u682a\u3084\u30a8\u30cd\u30eb\u30ae\u30fc\u682a\u306a\u3069\u3069\u306e\u30bb\u30af\u30bf\u30fc\u3082\u30ab\u30d0\u30fc\u3057\u3066\u304a\u308a\u3001\u5c0f\u30ab\u30c6\u30b4\u30ea\u30fc\u30ec\u30d9\u30eb\u3067\u7d44\u307f\u5408\u308f\u305b\u3092\u3059\u308b\u3088\u308a\u7c21\u5358\u3067\u3059\u3002\u3053\u306e\u8003\u3048\u65b9\u306f\u5148\u9032\u56fd\u682a\u3084\u65b0\u8208\u56fd\u682a\u306b\u3082\u3042\u3066\u306f\u307e\u308a\u3001\u305d\u308c\u305e\u308cDeveloped Market\u3000Stock Index\u3084 Emerging Market Index\u3092\u30d5\u30a9\u30ed\u30fc\u3059\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u3067\u3001\u5c0f\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u30ec\u30d9\u30eb\u3067\u7d44\u307f\u5408\u308f\u305b\u3092\u884c\u308f\u306a\u304f\u3068\u3082\u3001\u3059\u3079\u3066\u542b\u3093\u3067\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u884c\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u540c\u69d8\u306b\u3001\u3053\u306e\u8003\u3048\u65b9\u306fBond(\u50b5\u5238)\u306b\u3082\u9069\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h2>\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076<\/h2>\n<p>\u3059\u3079\u3066\u3092\u4e0a\u8a18\u306e\u4e2d\u30ab\u30c6\u30b4\u30ea\u30fc\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u5834\u5408\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u696d\u754c\u3067\u3082\u4f4e\u624b\u6570\u6599\u3067\u77e5\u3089\u308c\u308bVanguard\u793e\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3046\u3068\u3059\u308b\u3068\u3001\u6295\u8cc7\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306f\u4e0b\u306e\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002Vanguard\u3067\u306f\u5148\u9032\u56fd\u3068\u65b0\u8208\u56fd\u3092\u300c\u5916\u56fd\uff08International\uff1dUS\u4ee5\u5916\uff09\u300d\u3068\u3057\u3066\u307e\u3068\u3081\u3066\u3044\u307e\u3059\u306e\u3067\u30016\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u306f\u306a\u304f4\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4184\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/allocation-and-funds.jpg?resize=700%2C229\" alt=\"\" width=\"700\" height=\"229\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/allocation-and-funds.jpg?w=700&amp;ssl=1 700w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/allocation-and-funds.jpg?resize=300%2C98&amp;ssl=1 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p>Total International Stock Index Fund\u306f\u5148\u9032\u56fd\u682a\u5f0f\uff08US\u4ee5\u5916\uff09\u304c\u7d048\u5272\u3067\u65b0\u8208\u56fd\u682a\u5f0f\u304c\u7d042\u5272\u3067\u30df\u30c3\u30af\u30b9\u3055\u308c\u3066\u3044\u307e\u3059\u3002Total International Bond Index Fund\u306f4\uff05\u307b\u3069\u304c\u65b0\u8208\u56fd\u306b\u5272\u308a\u632f\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u50b5\u5238\u306e\u5834\u5408\u306f\u3001\u682a\u5f0f\u3088\u308a\u65b0\u8208\u56fd\u306b\u5272\u308a\u632f\u308b\u6bd4\u7387\u304c\u5c11\u306a\u304f\u3066\u3088\u3044\uff08\u65b0\u8208\u56fd\u306e\u5f37\u307f\u306f\u3042\u304f\u307e\u3067\u682a\u5f0f\u5e02\u5834\u306e\u7279\u6b8a\u306a\u6210\u9577\u6a5f\u4f1a\u306b\u3042\u308b\uff09\u3068\u3044\u3046\u8003\u3048\u65b9\u3067\u3059\u3002<\/p>\n<p>\u6295\u8cc7\u671f\u9593\u306b\u5f93\u3063\u3066\u8a31\u3059\u9650\u308a\u306e\u30ea\u30b9\u30af\u3092\u3068\u308a\u3064\u3064\u3001\u5177\u4f53\u7684\u306a\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u6295\u8cc7\u3059\u308b\u307e\u3067\u306e\u30b9\u30c6\u30c3\u30d7\u306f<\/p>\n<ul>\n<li>\u5e74\u9f62\u3042\u308b\u3044\u306f\u6295\u8cc7\u671f\u9593\u3092\u9451\u307f\u3064\u3064\u682a\u5f0f\u3068\u50b5\u5238\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u6bd4\u7387\u3092\u6c7a\u3081\u308b<\/li>\n<li>\u682a\u5f0f\u3068\u50b5\u5238\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u5185\u3067\u3001US\u56fd\u5185\u682a\u5f0f\u3001\u5148\u9032\u56fd\u682a\u5f0f\u3001\u65b0\u8208\u56fd\u682a\u5f0f\uff08\u5148\u9032\u56fd\u3068\u65b0\u8208\u56fd\u306f\u3001\u5916\u56fd\u682a\u5f0f(International Stock)\u3068\u3057\u3066\u307e\u3068\u3081\u3066\u3057\u307e\u3063\u3066\u3082OK\uff09\u3001US\u56fd\u5185\u50b5\u5238\u3001\u5148\u9032\u56fd\u50b5\u5238\u3001\u65b0\u8208\u56fd\u50b5\u5238\uff08\u5148\u9032\u56fd\u3068\u65b0\u8208\u56fd\u306f\u3001\u5916\u56fd\u50b5\u5238\uff08International Bond\uff09\u3068\u3057\u3066\u307e\u3068\u3081\u3066\u3057\u307e\u3063\u3066\u3082OK\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3073\u3001\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u306f\u304b\u308b<\/li>\n<\/ul>\n<p>\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u682a\u5f0f\u3068\u50b5\u5238\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\uff08\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u3082\u547c\u3070\u308c\u308b\uff09\u3001\u4e16\u754c\u306e\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3067\u4e16\u754c\u5e02\u5834\u306e\u682a\u3084\u50b5\u5238\u3092\u307e\u3093\u3079\u3093\u306a\u304f\u30ab\u30d0\u30fc\u3059\u308b\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u306e\u3075\u305f\u3064\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u5b8c\u6210\u3057\u307e\u3059\u3002<\/p>\n<h2>\u30d5\u30a1\u30f3\u30c9\u306f\u591a\u3059\u304e\u306a\u3044\u307b\u3046\u304c\u3088\u3044<\/h2>\n<p>\u4eca\u307e\u3067\u306e\u5fa9\u7fd2\u3092\u3057\u307e\u3059\u3068\u30fb\u30fb\u30fb<\/p>\n<p>1)\u00a0\u00a0\u00a0\u00a0 \u307e\u305a\u306f\u30ab\u30c6\u30b4\u30ea\u30fc\u5185\u3067\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u5927\u5207\u3067\u3001\u3053\u308c\u306f\u5404\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u6295\u8cc7\u3057\u305f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u5229\u7528\u3059\u308b\u3068\u624b\u3063\u53d6\u308a\u65e9\u304f\u5b9f\u73fe\u3067\u304d\u308b(\u7b2c2\u56de\u3092\u53c2\u7167)<\/p>\n<p>2)\u00a0\u00a0\u00a0\u00a0 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u3067\u306f\u6d88\u8cbb\u3057\u304d\u308c\u307e\u305b\u3093\u3067\u3057\u305f\u3002<\/p>\n<p>\u3055\u3066\u3001\u30ea\u30b9\u30af\u5206\u6563\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u3001\u6210\u529f\u3067\u3057\u305f\u3067\u3057\u3087\u3046\u304b\uff1f\u610f\u306b\u53cd\u3057\u3066\u3001\u8d64\u308a\u3093\u3054\u306b\u30ea\u30b9\u30af\u304c\u96c6\u4e2d\u3057\u307e\u3057\u305f\u306d\u3002\u3044\u308d\u3044\u308d\u306a\u4f1a\u793e\u306e\u30d0\u30b9\u30b1\u30c3\u30c8\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\u3082\u3001\u305d\u306e\u4e2d\u8eab\u306e\u30d5\u30eb\u30fc\u30c4\u3092\u541f\u5473\u3057\u306a\u3044\u307e\u307e\u3060\u3068\u3001\u8a08\u3089\u305a\u3082\u4e00\u7a2e\u985e\u306e\u304f\u3060\u3082\u306e\u3092\u591a\u91cf\u306b\u6301\u3064\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3082\u3053\u308c\u3068\u540c\u3058\u3067\u3001\u76ee\u7684\u304c\u4f3c\u3066\u3044\u305f\u308a\u91cd\u306a\u308b\u90e8\u5206\u304c\u3042\u308b\u30d5\u30a1\u30f3\u30c9\u3092\u3044\u304f\u3064\u304b\u6301\u3063\u3066\u3044\u308b\u3068\u3001\u305d\u306e\u4e2d\u306e\u9298\u67c4\u3084\u7a2e\u985e\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u304a\u3044\u3066\u91cd\u8907\u304c\u3042\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u305f\u3081\u3001\u30ea\u30b9\u30af\u5206\u6563\u3092\u72d9\u3063\u3066\u591a\u69d8\u306a\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u3068\u3001\u304b\u3048\u3063\u3066\u30ea\u30b9\u30af\u96c6\u4e2d\u3057\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u77db\u76fe\u306b\u3064\u306a\u304c\u308a\u307e\u3059\u3002\u6295\u8cc7\u3057\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u6570\u304c\u591a\u304f\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u3001\u3053\u306e\u5371\u967a\u6027\u306f\u9ad8\u307e\u308a\u3001\u307e\u305f\u30aa\u30fc\u30d0\u30fc\u30e9\u30c3\u30d7\u306e\u306a\u3044\u3088\u3046\u306b\u78ba\u8a8d\u3057\u3066\u7dad\u6301\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u304c\u56f0\u96e3\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7406\u7531\u304b\u3089\u3001\u307e\u305a1)\u306e\u30b9\u30c6\u30c3\u30d7\u3067\u3001\u76ee\u7684\u306b\u304b\u306a\u3063\u305f\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u4f5c\u696d\u3092\u3057\u305f\u3089\u30012)\u306e\u30b9\u30c6\u30c3\u30d7\u3067\u306f\u305d\u306e\u4e2d\u304b\u3089\u76ee\u7684\u3084\u72d9\u3044\u306e\u7570\u306a\u308b\u30d5\u30a1\u30f3\u30c9\u3092\u3001\u30d5\u30a1\u30f3\u30c9\u6570\u304c\u591a\u304f\u306a\u308a\u3059\u304e\u306a\u3044\u3088\u3046\u91cd\u8907\u306a\u304f\u7d44\u307f\u5408\u308f\u305b\u308b\u3068\u3044\u3046\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u6295\u8cc7\u984d\u304c\u5c11\u306a\u3044\u3046\u3061\u306f\uff12\u30d5\u30a1\u30f3\u30c9\u3050\u3089\u3044\u3067\u3082OK\u3001\u57fa\u672c\u7684\u306b\u306f\u5148\u306b\u7d39\u4ecb\u3057\u305f\uff14\u30d5\u30a1\u30f3\u30c9\u3067\u6295\u8cc7\u3001\u591a\u304f\u3066\u3082\uff16\u30d5\u30a1\u30f3\u30c9\u306b\u3057\u3066\u304a\u304f\u306e\u304c\u826f\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4183\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/8fbe7090a385d847dbbec32315161910.jpg?resize=755%2C177\" alt=\"\" width=\"755\" height=\"177\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/8fbe7090a385d847dbbec32315161910.jpg?w=755&amp;ssl=1 755w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/8fbe7090a385d847dbbec32315161910.jpg?resize=300%2C70&amp;ssl=1 300w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><\/p>\n<p>\u4e00\u756a\u53f3\u306e2\u30d5\u30a1\u30f3\u30c9\u578b\u306f\u5c0f\u3055\u3044\u6295\u8cc7\u984d\u3063\u304b\u3089\u624b\u3063\u53d6\u308a\u65e9\u304f\u6295\u8cc7\u3092\u59cb\u3081\u308b\u306e\u306b\u9069\u3057\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3001US\u682a\u3082\u5148\u9032\u56fd\u30fb\u65b0\u8208\u56fd\u3082\u3059\u3079\u3066\u30ab\u30d0\u30fc\u3057\u305fTotal World Stock Index Fund\u306f\u4fbf\u5229\u3067\u3059\u304c\u3001\u305d\u306e\u5206\u624b\u6570\u6599\u306f\u5c11\u3005\u9ad8\u3081\u3067\u3059\uff08\u3068\u3044\u3063\u3066\u3082\u30010.21%\u3067\u591a\u304f\u306e\u30a2\u30af\u30c6\u30a3\u30d6\u30d5\u30a1\u30f3\u30c9\u306b\u6bd4\u3079\u308b\u3068\u4f4e\u3044\u3067\u3059\u304c\uff09\u3002\u6295\u8cc7\u984d\u304c\u5c11\u306a\u3044\u3046\u3061\u306f\u3001\u624b\u6570\u6599\u3082\u7d76\u5bfe\u984d\u306b\u3057\u3066\u305d\u308c\u307b\u3069\u5927\u304d\u304f\u306a\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u554f\u984c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u306e\u3046\u3061\u6295\u8cc7\u984d\u304c\u591a\u304f\u306a\u3063\u305f\u3089\u3001\u4f4e\u624b\u6570\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\uff13\u30d5\u30a1\u30f3\u30c9\u3001\u5148\u306b\u3054\u7d39\u4ecb\u3057\u305f\uff14\u30d5\u30a1\u30f3\u30c9\u306b\u79fb\u884c\u3057\u3066\u3044\u304f\u306e\u304c\u826f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u6ce8\u610f\u70b9\u306f\u3001\u3042\u304f\u307e\u3067\u91cd\u306a\u308a\u306e\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3002\u305f\u3068\u3048\u3070Total World Stock Index\u3000Fund\u3068Emerging Stock\u3000Index Fund\u306a\u3069\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u308a\u3001Total Stock Market Index Fund\u3068Small Cap Fund\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u306a\u3069\u3059\u308b\u3068\u3001\u610f\u56f3\u305b\u305a\u5747\u7b49\u306a\u5206\u6563\u304c\u304f\u305a\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>4\u30d5\u30a1\u30f3\u30c9\u578b\u306e\uff14\u30d5\u30a1\u30f3\u30c9\u306f\u6b21\u56de\u306e\u8a18\u4e8b\u3067\u3082\u3054\u7d39\u4ecb\u3057\u307e\u3059\u304c\u3001\u591a\u304f\u306e\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306e\u69cb\u6210\u8981\u7d20\u306b\u306a\u3063\u3066\u3044\u308b\u3001\u3082\u3063\u3068\u3082\u57fa\u672c\u7684\u306a\u67f1\u3068\u306a\u308b\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002\u3053\u3053\u3067\u306fVanguard\u306e\u30d5\u30a1\u30f3\u30c9\u3067\u3054\u7d39\u4ecb\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u4ed6\u793e\u3067\u3082\u540c\u69d8\u306a\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306f\u5fc5\u305a\u3042\u308b\u306f\u305a\u3067\u3059\u304b\u3089\u3001\u540c\u7b49\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u3044\u305f\u3060\u3051\u308c\u3070\u5927\u4e08\u592b\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u306a\u3069\u306e\u9577\u671f\u6295\u8cc7\u3092\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u3001\u6700\u4f4e\u9650\u77e5\u3063\u3066\u304a\u304f\u3079\u304d\u30dd\u30a4\u30f3\u30c8\u3092\u6291\u3048\u3001\u3067\u304d\u308b\u3060\u3051\u7c21\u5358\u306b\u9577\u671f\u6295\u8cc7\u3092\u59cb\u3081\u308b\u3001\u3042\u308b\u3044\u306f\u7dad\u6301\u3057\u3066\u3044\u304f\u305f\u3081\u306e\u8003\u3048\u65b9\u3092\u8eab\u306b\u3064\u3051\u308b\u30b7\u30ea\u30fc\u30ba\u30925\u56de\u306b\u5206\u3051\u3066\u304a\u9001\u308a\u3057\u307e\u3059\u30021\u56de\u76ee\u3067\u306f\u3001\u6295\u8cc7\u306e\u57fa\u672c\u3067\u3042\u308b\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u306f\u4f55\u304b\u3068\u305d\u306e\u52b9\u679c\u306b\u3064\u3044\u3066\u898b\u3066\u307f\u307e\u3057\u305f\u30022\u56de\u76ee\u3067\u306f\u3001\u5b9f\u969b\u306b\u3069\u3046\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u5b9f\u73fe\u3059\u308b\u304b\u3067\u3001\u4e8c\u6bb5\u968e\u306b\u5206\u3051\u3066\u8003\u3048\u308b\u3053\u3068\u304c\u5fc5\u8981\u306a\u3053\u3068\u3068\u3001\u305d\u306e\u4e00\u6bb5\u968e\u76ee\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u5185\u3067\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u3001\u30a4\u30f3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3046\u3068\u52b9\u7387\u304c\u3088\u3044\u3053\u3068\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u30023\u56de\u76ee\u3067\u306f\u3001\u4e8c\u6bb5\u968e\u76ee\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3092\u8d85\u3048\u3066\u306e\u30c0\u30a4\u30d0\u30fc\u30b7\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u3057\u3066\u3001\u30a2\u30bb\u30c3\u30c8\u30a2 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