{"id":4262,"date":"2018-03-13T09:55:43","date_gmt":"2018-03-13T17:55:43","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4262"},"modified":"2018-03-12T18:56:04","modified_gmt":"2018-03-13T02:56:04","slug":"coverdell","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/coverdell\/","title":{"rendered":"10\u5e74\u30673.5\u500d\u306b\u306a\u3063\u305fCoverdell\u53e3\u5ea7\u306e\u306f\u306a\u3057"},"content":{"rendered":"<p>Coverdell Education Savings Account \u3092\u89e3\u7d04\u3057\u307e\u3057\u305f\u30022008\u5e74\u306b$2,000\u3092\u5165\u308c\u3066\u305d\u306e\u5f8c10\u5e74\u9593\u307b\u3063\u305f\u3089\u304b\u3057\u3002\u307b\u3068\u3093\u3069\u5fd8\u308c\u3066\u3044\u305f\u53e3\u5ea7\u3067\u3057\u305f\u304c\u3001Coverdell\u53e3\u5ea7\u306e\u304a\u91d1\u306f\u3001Beneficiary\u304c30\u6b73\u306b\u306a\u308b\u307e\u3067\u306bEducation\u306e\u305f\u3081\u306b\u4f7f\u308f\u306a\u3044\u3068\u3001\u7a0e\u91d1\u3068\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u4eca\u3001Beneficiary\u306e\u606f\u5b50\u306f20\u6b73\u306e\u5927\u5b66\u751f\u3067\u3042\u30682\u5e74\u3067\u5352\u696d\u4e88\u5b9a\u3002\u5927\u5b66\u9662\u306b\u3082\u3057\u304b\u3057\u305f\u3089\u884c\u304f\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u304c\u884c\u304b\u306a\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u3057\u3001\u3068\u308a\u3042\u3048\u305a\u4eca\u682a\u5f0f\u5e02\u5834\u306f\u597d\u8abf\u306a\u306e\u3067\u3001\u73fe\u91d1\u5316\u3059\u308b\u306a\u3089\u4eca\u304b\u3068\u601d\u3044\u89e3\u7d04\u624b\u7d9a\u304d\u3092\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>2008\u5e74\u306e3\u6708\u306b\u300110\u6b73\u306e\u606f\u5b50\u30686\u6b73\u306e\u5a18\u306e\u305f\u3081\u306b\u3001\u6df1\u3044\u8003\u3048\u3082\u306a\u304f\u9650\u5ea6\u984d\u306e$2,000\u305a\u3064\u3092\u305d\u308c\u305e\u308c\u3092\u5165\u308c\u307e\u3057\u305f\u3002\u6df1\u3044\u8003\u3048\u3082\u306a\u304f\u9069\u5f53\u306b\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3073\u3001\u305d\u306e\u5f8c\u8ffd\u52a0\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u3082\u306a\u304f\u3001\u30e1\u30a4\u30f3\u306e\u6559\u80b2\u8cc7\u91d1\u306f529\u3067\u8caf\u3081\u3066\u3044\u305f\u306e\u3067\u3001\u307b\u3068\u3093\u3069\u5fd8\u308c\u3066\u3044\u305f\u53e3\u5ea7\u3067\u3057\u305f\u3002\u6b8b\u9ad8\u306f\u307b\u3068\u3093\u3069\u30c1\u30a7\u30c3\u30af\u3082\u305b\u305a\u3001$2,000\u5165\u308c\u305f\u3060\u3051\u3060\u304b\u3089\u3069\u3046\u305b\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u306e\u5927\u304d\u306a\u8db3\u3057\u306b\u306f\u306a\u3089\u306a\u3044\u3068\u6c17\u306b\u304b\u3051\u3066\u3082\u3044\u307e\u305b\u3093\u3067\u3057\u305f\u3002<\/p>\n<p>529\u306fBeneficiary\u5909\u66f4\u3082\u7c21\u5358\u3067\u3001\u9ad8\u7b49\u6559\u80b2\u306b\u4f7f\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u7e1b\u308a\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u307e\u307e\u7f6e\u3044\u3066\u304a\u3044\u3066\u5b50\u3069\u3082\u306e\u5b50\u3069\u3082\uff08\u3064\u307e\u308a\u5b6b\uff09\u3084\u89aa\u305b\u304d\u306a\u3069\u540d\u7fa9\u5909\u66f4\u304c\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306a\u306e\u306b\u5bfe\u3057\u3001Coverdell\u306fBeneficiary\u304c30\u6b73\u306b\u306a\u308b\u307e\u3067\u306e\u6559\u80b2\u306b\u4f7f\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u304c\u3042\u308a\u307e\u3059\u3002\u5b58\u5728\u3092\u5fd8\u308c\u3066\u3057\u307e\u3063\u3066\u4f7f\u3044\u5fd8\u308c\u306a\u3044\u3088\u3046\u306b\u3068\u3001\u4e00\u5fdc\u8a18\u61b6\u306e\u3069\u3053\u304b\u306b\u306f\u304a\u3044\u3066\u3044\u305f\u3088\u3046\u306a\u3001\u305d\u3093\u306a\u53e3\u5ea7\u3067\u3057\u305f\u3002<\/p>\n<p>Coverdell\u306b\u3064\u3044\u3066\u306f\u3053\u3061\u3089\u306e\u8a18\u4e8b\u3092\uff1a<a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-save-for-college2\/\" ><strong>\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u3092\u8caf\u3081\u308b\uff082\uff09\u3000\uff0d\u3000beyond Roth-IRA and 529<\/strong><\/a><\/p>\n<p>\u3068\u3053\u308d\u304c\u89e3\u7d04\u3057\u3066\u307f\u305f\u3089\u3001\u601d\u3063\u305f\u3088\u308a\u3082\u304a\u91d1\u304c\u5897\u3048\u3066\u3044\u307e\u3057\u305f\u3002\u6b8b\u9ad8\u306f$7,000\u4ee5\u4e0a\u3002\u89e3\u7d04\u3059\u308b\u3068\u304d\u30ab\u30b9\u30bf\u30de\u30fc\u30b5\u30fc\u30d3\u30b9\u306e\u4eba\u306b\u805e\u3044\u305f\u3089\u30012008\u5e743\u6708\u306b\u53e3\u5ea7\u3092\u958b\u8a2d\u3057\u305f\u3068\u306e\u3053\u3068\u306a\u306e\u3067\u300110\u5e74\u8db3\u3089\u305a\u3067$2,000\u304c3.5\u500d\u4ee5\u4e0a\u306b\u306a\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4265\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TIAA-Coverdel-Yota.jpg?resize=636%2C261\" alt=\"\" width=\"636\" height=\"261\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TIAA-Coverdel-Yota.jpg?w=636&amp;ssl=1 636w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TIAA-Coverdel-Yota.jpg?resize=300%2C123&amp;ssl=1 300w\" sizes=\"auto, (max-width: 636px) 100vw, 636px\" \/><\/p>\n<p>Morningstar\u3067\u8abf\u3079\u3066\u307f\u308b\u3068\u3053\u305310\u5e74\u306e\u52d5\u304d\u306f\u4e0b\u8a18\u306e\u901a\u308a\u3002\u5f53\u6642\u306e\u4e3b\u4eba\u306e\u96c7\u7528\u4e3b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u304f\u3063\u3064\u3051\u3066\u958b\u8a2d\u3057\u305f\u306e\u3067\u3001\u96c7\u7528\u4e3b\u6307\u5b9a\u306eTIAA-CREF\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3044\u307e\u3057\u305f\u3002\u300c\u30d5\u30a1\u30f3\u30c9\u306eExpense Ratio\uff08\u624b\u6570\u6599\uff09\u306b\u306f\u6c17\u3092\u3064\u3051\u307e\u3057\u3087\u3046\uff01\u3000\u4f4e\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3044\u307e\u3057\u3087\u3046\uff01\u300d\u3068\u8a00\u3063\u3066\u3044\u308b\u79c1\u306a\u306e\u306b\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306eExpense Ratio 0.71\uff05\u306f\u3061\u3087\u3063\u3068\u624b\u6570\u6599\u304c\u9ad8\u3044\u3067\u3059\u3002\u3002\u3088\u304f\u898b\u305a\u306b\u5165\u308c\u3066\u3001\u305d\u306e\u5f8c\u3082\u30c1\u30a7\u30c3\u30af\u3092\u6020\u3063\u3066\u3044\u305f\u8a3c\u62e0\u3067\u3001\u53cd\u7701\u30fb\u30fb\u30fb\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4264\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TAII-mid-cap-morningstar.jpg?resize=572%2C395\" alt=\"\" width=\"572\" height=\"395\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TAII-mid-cap-morningstar.jpg?w=883&amp;ssl=1 883w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TAII-mid-cap-morningstar.jpg?resize=300%2C207&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/TAII-mid-cap-morningstar.jpg?resize=768%2C530&amp;ssl=1 768w\" sizes=\"auto, (max-width: 572px) 100vw, 572px\" \/><\/p>\n<p>\u3057\u304b\u3082\u3053\u306eMid-Cap Value Fund\u3001\u4f55\u306e\u8003\u3048\u3082\u306a\u304f\u9069\u5f53\u306b\u9078\u3093\u3060\u306e\u3092\u899a\u3048\u3066\u3044\u307e\u3059\u3002$2,000\u3060\u3057\u3001\u3068\u308a\u3042\u3048\u305a\u3053\u308c\u3067\u3044\u3044\u304b\u30fb\u30fb\u3068\u3044\u3046\u3088\u3046\u306a\u3044\u3044\u52a0\u6e1b\u306a\u9078\u3073\u65b9\u306a\u306e\u3067\u3001\u4f55\u306e\u53c2\u8003\u306b\u3082\u3057\u306a\u3044\u3067\u304f\u3060\u3055\u3044\uff08\u4eca\u306a\u3089\u3070\u3001Mid-Cap\u3084Value\u682a\u3067\u306f\u306a\u304f\u3001Total Stock Fund\u3067\u307e\u3093\u3079\u3093\u306a\u304f\u6295\u8cc7\u3092\u3059\u308b\u307b\u3046\u3092\u9078\u3093\u3060\u3068\u601d\u3044\u307e\u3059\uff09\u3002<\/p>\n<p>\u6295\u8cc7\u3092\u958b\u59cb\u3057\u305f2008\u5e74\u306e3\u6708\u306f\u4e0a\u306e\u56f3\u306e\u8d64\u77e2\u5370\u306e\u6642\u70b9\u3067\u3059\u3002\u3061\u3087\u3046\u3069\u3001\u3053\u308c\u304b\u3089\u30b5\u30d6\u30d7\u30e9\u30a4\u30e0\u30d0\u30d6\u30eb\u304c\u306f\u3058\u3051\u308b\u76f4\u524d\u3001\u91d1\u878d\u6050\u614c\u76ee\u524d\u306e\u3001\u5f8c\u3067\u8003\u3048\u308c\u3070\u4e00\u756a\u6b8b\u5ff5\u306a\u6642\u70b9\u3067\u6295\u8cc7\u3092\u30b9\u30bf\u30fc\u30c8\u3057\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u3068\u3081\u308b\u3068\u30fb\u30fb\u30fb<\/p>\n<ul>\n<li>\u9069\u5f53\u306b\u9078\u3093\u3060\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308b<\/li>\n<li>\u5927\u66b4\u843d\u306e\u76f4\u524d\u306b\u8cb7\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308b<\/li>\n<li>Expense Ratio\u3082\u9ad8\u3059\u304e\u306f\u3057\u306a\u3044\u304c\u3001\u6c7a\u3057\u3066\u5b89\u304f\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308b<\/li>\n<\/ul>\n<p>\u3068\u3044\u3046\u304b\u306a\u308a\u6c17\u306e\u5165\u3089\u306a\u3044\u3044\u3044\u52a0\u6e1b\u6295\u8cc7\u3067\u3057\u305f\u304c\u3001\u3067\u3082\u6295\u8cc7\u671f\u959310\u5e74\u306b\u6e80\u305f\u306a\u3044\u4eca\u3001\u5143\u91d1\u306e3.5\u500d\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u6c7a\u3057\u3066\u5931\u6557\u3067\u306f\u306a\u304f\u3001\u6210\u529f\u4f8b\u3067\u3059\u306d\u3002\u3053\u306e\u6210\u529f\u306e\u8981\u56e0\u306f\u3001\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u3044\u3064\u3082\u3054\u7d39\u4ecb\u3057\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u304c\u3001\u305d\u308c\u3092\u4eca\u4e00\u5ea6\u632f\u308a\u8fd4\u308a\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u6210\u529f\u8981\u56e0\u306f\u30fb\u30fb<\/p>\n<p><strong>Diversification\uff08\u591a\u69d8\u5316<\/strong>\uff09\uff1a\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306f\u3001Total Market\u306a\u3069\u306e\u5e02\u5834\u5168\u4f53\u306b\u6295\u8cc7\u3059\u308b\u3082\u306e\u306b\u6bd4\u8f03\u3059\u308b\u3068\u3001\u305a\u3063\u3068\u9650\u3089\u308c\u305fMid-Cap\u306e\u3057\u304b\u3082Value\u682a\u3068\u6295\u8cc7\u5bfe\u8c61\u304c\u9650\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3067\u3082229\u7a2e\u306e\u682a\u306b\u6295\u8cc7\u3057\u3066\u304a\u308a\uff082018\u5e741\u6708\u73fe\u5728\uff09\u3001Diversification\u304c\u78ba\u4fdd\u3055\u308c\u3066\u3044\u305f\u3002<\/p>\n<p><strong>\u4f55\u3082\u3082\u3057\u306a\u304b\u3063\u305f<\/strong>\uff1a\u91d1\u878d\u6050\u614c\u6642\u306b\u306f\u3001\u5143\u5024\u306e\u534a\u5206\u4ee5\u4e0b\u307e\u3067\u5024\u304c\u4e0b\u304c\u3063\u305f\u3082\u306e\u306e\u3001\u305d\u306e\u307e\u307e\u6301\u3061\u7d9a\u3051\u305f\u3002\u4e00\u756a\u4e0a\u306e\u56f3\u3092\u898b\u308b\u3068\u3001Quantity\u306f302.01\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u5f53\u521d\u306e$2,000\u3067\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e302.01\u30b7\u30a7\u30a2\u3092\u8cfc\u5165\u3057\u305f\u308f\u3051\u3067\u3059\u3002\uff11\u30b7\u30a7\u30a2\u3042\u305f\u308a\u306e\u5024\u6bb5\u306f\u305d\u306e\u5f8c\u306e\u6050\u614c\u3067\u5927\u304d\u304f\u5024\u3092\u4e0b\u3052\u307e\u3057\u305f\u304c\u3001\u58f2\u308a\u3082\u8cb7\u3044\u3082\u3057\u306a\u3044\u306e\u3067\u3001\u3053\u306e302.01\u30b7\u30a7\u30a2\u3068\u3044\u3046\u30b7\u30a7\u30a2\u6570\u306f\u3053\u306e10\u5e74\u9593\u5909\u308f\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u305d\u306e\u5f8c\u5024\u623b\u3057\u306e\u6642\u671f\u3082\u3001\u3053\u306e302.01\u306e\u30b7\u30a7\u30a2\u306e\u307e\u307e\u5024\u623b\u3057\u306e\u4e0a\u5411\u304d\u306e\u6ce2\u306b\u4e57\u308c\u305f\u308f\u3051\u3067\u3059\u3002\u3082\u3057\u3082\u58f2\u3063\u3066\u3057\u307e\u3063\u3066\u3044\u305f\u3089\u3001\u30b7\u30a7\u30a2\u6570\u304c\u5c11\u306a\u304f\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u4e0a\u5411\u304d\u306e\u6ce2\u306b\u306f\u4e57\u308c\u305a\u640d\u3060\u3051\u304c\u6b8b\u3063\u305f\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><strong>10\u5e74\u9593\u7d4c\u3063\u305f<\/strong>\uff1a\u3053\u308c\u306f\u6642\u9593\u304c\u7d4c\u3063\u305f\u3060\u3051\u3002\u3067\u3082\u6295\u8cc7\u306b\u304a\u3044\u3066\u306f\u3053\u306e\u307e\u3068\u307e\u3063\u305f\u6642\u9593\u304c\u5927\u304d\u306a\u5473\u65b9\u3067\u3059\u3002\uff11\u5e74\u30012\u5e74\u3067\u306f\u91d1\u878d\u6050\u614c\u306a\u3069\u306e\u3088\u3046\u306b\u4f55\u304c\u3042\u308b\u304b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002\u5927\u304d\u304f\u4e0b\u304c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u30023\u5e74\u30014\u5e74\u3060\u3068\u4e0b\u304c\u3063\u305f\u5024\u6bb5\u304c\u5341\u5206\u623b\u3063\u3066\u4e0a\u5411\u304d\u306b\u306a\u308b\u306e\u306b\u3061\u3087\u3063\u3068\u6642\u9593\u304c\u8db3\u308a\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3067\u308210\u5e74\u3042\u308c\u3070\u3001\u304b\u306a\u308a\u306e\u78ba\u7387\u3067\u52dd\u3066\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u601d\u3044\u7acb\u3063\u305f\u3089\u6295\u8cc7\u3059\u308b\u30fb\u30fb\u3053\u308c\u304c\u6295\u8cc7\u3067\u6210\u529f\u3059\u308b\u5927\u304d\u306a\u79d8\u8a23\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u304c\u3088\u304fDiversify\u3055\u308c\u305f\u682a\u6295\u8cc7\u306e\u529b\u3067\u3059\u3002\u9069\u5f53\u306b\u9078\u3093\u3060Expense\u3082\u6c7a\u3057\u3066\u6700\u4f4e\u30ec\u30d9\u30eb\u3067\u306f\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u304c\u3001\u3055\u308c\u3069US\u682a\u5f0f\u5e02\u5834\u306e229\u682a\u5f0f\u306b\u6295\u8cc7\u3057\u305f\u30d5\u30a1\u30f3\u30c9\u3067\u3057\u305f\u3002\u5927\u304d\u304f\u5024\u304c\u4e0b\u304c\u3063\u305f\u6642\u671f\u3082\u3042\u308a\u307e\u3059\u304c\u300110\u5e74\u3092\u901a\u7b97\u3057\u3066\u5e73\u5747\u3059\u308c\u3070\u300113.5%\/\u5e74\u306e\u5229\u56de\u308a\u3067\u3059\u3002<\/p>\n<p>\u3061\u306a\u307f\u306b\u3001\u540c\u30582008\u5e74\u306e3\u6708\u306b\u5a18\u306b\u3082\u540c\u984d\u306e$2,000\u3092\u304b\u3051\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u3061\u3089\u3082\u9069\u5f53\u306b\u6c7a\u3081\u305fTIAA-CREF\u3000Small-Cap Equity\u3067\u3001\u3053\u3061\u3089\u306f\u73fe\u5728$8,176\u3067\u3059\u30024\u500d\u4ee5\u4e0a\u306b\u5897\u3048\u307e\u3057\u305f\u3002\u3053\u306e\u7d50\u679c\u3067\u3001Small-Cap\u306e\u307b\u3046\u304cMid-Cap\u306e\u65b9\u304c\u3088\u304b\u3063\u305f\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u304c\u8a00\u3044\u305f\u3044\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u305f\u307e\u305f\u307e\u306e\u7d50\u679c\u3068\u3082\u8a00\u3048\u307e\u3059\u3002\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u3088\u304fDiversification\u304c\u56f3\u3089\u308c\u305f\u682a\u5f0f\u306b\u9577\u671f\u6295\u8cc7\u3059\u308b\u3053\u3068\u306e\u30d1\u30ef\u30fc\u3067\u3059\u3002\u5df7\u3067\u306f\u3001\u4eca\u306f\u3053\u306e\u682a\u304c\u3044\u3044\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u3044\u3044\u30fb\u30fb\u306a\u3069\u3068\u3044\u308d\u3044\u308d\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u304c\u98db\u3073\u4ea4\u3044\u307e\u3059\u304c\u3001\u5b9f\u969b\u3069\u306e\u682a\u3001\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3068\u8ff7\u3046\u3088\u308a\u3001\u3068\u308a\u3042\u3048\u305aDiversification\u304c\u78ba\u4fdd\u3055\u308c\u305f\u30d5\u30a1\u30f3\u30c9\uff08\u624b\u3063\u53d6\u308a\u65e9\u3044\u306e\u306f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\uff09\u306b\u6295\u8cc7\u3057\u3066\u304a\u3051\u3070\u3001\u3059\u3067\u306b\u5927\u304d\u306a\u4e00\u6b69\u3092\u8e0f\u307f\u51fa\u3057\u305f\u3053\u3068\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3061\u306a\u307f\u306b\u3001\u305f\u3068\u3048\u3070\u682a\u5f0f\u6295\u8cc7\u306e\u30d1\u30ef\u30fc\u3092\u4e0d\u52d5\u7523\u6295\u8cc7\u3068\u6bd4\u8f03\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u30022006\u5e74\u304b\u30892016\u5e74\u306e\u8868\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u30012018\u5e74\u306e\u50be\u5411\u306f\u305d\u308c\u305e\u308c\u306e\u7dda\u3092\u306a\u3093\u3068\u306a\u304f\u53f3\u306b\u4f38\u3070\u3057\u3066\u4e88\u6e2c\u3059\u308b\u3057\u304b\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u30b0\u30ea\u30fc\u30f3\u306e\u5168\u7c73\u5e02\u5834\u3067\u3082\u9ec4\u8272\u306e\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u3067\u30822008\u5e743\u6708\u6642\u306b\u6bd4\u3079\u3066\u3001\u5b8c\u5168\u306b\u5024\u304c\u623b\u3063\u3066\u3044\u306a\u3044\u3088\u3046\u306b\u898b\u53d7\u3051\u3089\u308c\u307e\u3059\u3002\u30b5\u30f3\u30d5\u30e9\u30f3\u30b7\u30b9\u30b3\u3067\u306f2008\u5e74\u306b$700,000\u304f\u3089\u3044\u3060\u3063\u305f\u306e\u304c\u30012018\u5e74\u306b$900,000\u304f\u3089\u3044\u306b\u306f\u623b\u3063\u3066\u3044\u308b\u3068\u4e88\u6e2c\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u3053\u308c\u306f1\u5e74\u3042\u305f\u308a3%\u5f31\u306e\u5229\u56de\u308a\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4263\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/Real-State-makret-chart.jpg?resize=617%2C568\" alt=\"\" width=\"617\" height=\"568\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/Real-State-makret-chart.jpg?w=617&amp;ssl=1 617w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/01\/Real-State-makret-chart.jpg?resize=300%2C276&amp;ssl=1 300w\" sizes=\"auto, (max-width: 617px) 100vw, 617px\" 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Education Savings Account 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2008\u5e74\u306e3\u6708\u306b\u300110\u6b73\u306e\u606f\u5b50\u30686\u6b73\u306e\u5a18\u306e\u305f\u3081\u306b\u3001\u6df1\u3044\u8003\u3048 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4030,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"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","enabled":false},"version":2}},"categories":[39,36],"tags":[47,43,75],"class_list":["post-4262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-college","category-investment","tag-retire","tag-college-cost","tag-investment"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-together-smily.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-16K","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4262","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=4262"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4262\/revisions"}],"predecessor-version":[{"id":4268,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4262\/revisions\/4268"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4030"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}