{"id":4290,"date":"2018-02-13T09:30:45","date_gmt":"2018-02-13T17:30:45","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4290"},"modified":"2018-02-07T18:31:18","modified_gmt":"2018-02-08T02:31:18","slug":"boa_promo","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/boa_promo\/","title":{"rendered":"$900\u304f\u308c\u308b\u3063\u3066\u3044\u3046\u3051\u3069\uff65\uff65\uff65Bank of America\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3"},"content":{"rendered":"<p>Bank of America\u304b\u3089\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u30e1\u30fc\u30eb\u304c\u6765\u307e\u3057\u305f\u3002IRA\u3092\u958b\u3051\u3070\u6700\u9ad8\u3067$900\u3092\u304f\u308c\u308b\u3068\u3044\u3044\u307e\u3059\u3002There is no free lunch..\u3068\u3044\u3044\u307e\u3059\u304b\u3089\u3001$900\u304f\u308c\u308b\u3063\u3066\u88cf\u306b\u306a\u306b\u304c\u96a0\u308c\u3066\u3044\u308b\u3093\u3060\u308d\u3046\u30fb\u30fb\u3068\u3061\u3087\u3063\u3068\u614e\u91cd\u306b\u306a\u308b\u3082\u306e\u3002Bank of America\u306f2009\u5e74\u306bMerrill Lynch\u3092\u8cb7\u53ce\u3057\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5b9f\u306f\u3053\u308c\u307e\u3067\u306b\u4f55\u5ea6\u3082\u3053\u306e\u624b\u306e\u30e1\u30fc\u30eb\u3092\u53d7\u3051\u53d6\u3063\u3066\u3044\u307e\u3059\u3002\u4eca\u56de\u306f\u3001\u3053\u308c\u3063\u3066\u3044\u3044\u30c7\u30a3\u30fc\u30eb\u306a\u306e\u304b\u3001\u3061\u3087\u3063\u3068\u8abf\u3079\u3066\u307f\u3088\u3046\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e0b\u304c\u305d\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4295\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merill.jpg?resize=516%2C500\" alt=\"\" width=\"516\" height=\"500\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merill.jpg?w=516&amp;ssl=1 516w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merill.jpg?resize=300%2C291&amp;ssl=1 300w\" sizes=\"auto, (max-width: 516px) 100vw, 516px\" \/><\/p>\n<p>IRA\u53e3\u5ea7\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u3001\u65b0\u898f\u53e3\u5ea7\u3092\u958b\u8a2d\u3057\u6700\u4f4e$20,000\u3092\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u79fb\u305b\u3070$150\u3001\u4f55\u6bb5\u968e\u304b\u30ec\u30d9\u30eb\u304c\u3042\u3063\u3066\u3001\u6700\u9ad8\u306f$200,000\u4ee5\u4e0a\u3092\u79fb\u305b\u3070$900\u30dc\u30fc\u30ca\u30b9\u304c\u3082\u3089\u3048\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u9280\u884c\u53e3\u5ea7\u3092\u958b\u3044\u3066\u4e00\u5b9a\u984d\u5165\u308c\u305f\u3089\u3001\u30a6\u30f3\u767e\u30c9\u30eb\u5dee\u3057\u4e0a\u3052\u307e\u3059\u30fb\u30fb\u30fb\u7684\u306a\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u306f\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u3088\u304f\u76ee\u306b\u3057\u307e\u3059\u306d\u3002<a href=\"http:\/\/smartandresponsible.com\/blog\/california-529-scholarshare-college-saving-plan\/\" >\u4ee5\u524d\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f<\/a>\u304c\u3001\u6211\u304c\u5bb6\u3067\u3082California\u306e529\u53e3\u5ea7\u306b\u4e00\u5b9a\u984d\u4ee5\u4e0a\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u3068\u6700\u9ad8$500\u5dee\u3057\u4e0a\u3052\u307e\u3059\u30fb\u30fb\u3068\u3044\u3046\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3092\u5229\u7528\u3057\u3067\u3001\u5b50\u3069\u3082\u4e8c\u4eba\u306e2\u53e3\u5ea7\u3092\u958b\u304d\u5408\u8a08$1,000\u3092\u3082\u3089\u3063\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u53e3\u5ea7\u306f\u4eca\u3067\u3082\u6301\u3063\u3066\u304a\u308a\u3001\u5927\u304d\u306a\u88cf\u3082\u306a\u304f\u3001\u307e\u305f\u554f\u984c\u3082\u306a\u304f\u3001\u4eca\u306e\u3053\u3068\u308d\u6e80\u8db3\u3057\u3066\u4f7f\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u624b\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u3082\u3061\u308d\u3093\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u7279\u306b\u306a\u308b\u304b\u3089\u3042\u308b\u306e\u306f\u78ba\u304b\u3067\u3059\u3002\u305f\u3060\u3067\u3001\u3072\u3068\u308a\u30a6\u30f3\u767e\u30c9\u30eb\u3092\u63d0\u4f9b\u3057\u3066\u3082\u3001\u305d\u308c\u306b\u3088\u3063\u3066\u7372\u5f97\u3057\u305f\u9867\u5ba2\u304c\u3042\u3068\u3042\u3068\u5229\u76ca\u3092\u751f\u3080\u304b\u3089\u6700\u7d42\u7684\u306b\u306f\u5f97\u306b\u306a\u308b\u3068\u3044\u3046\u8a08\u7b97\u3067\u3059\u3002\u3042\u308b\u3044\u306f\u65b0\u898f\u306e\u30b5\u30fc\u30d3\u30b9\u3060\u3063\u305f\u308a\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u305d\u306e\u65b0\u898f\u306e\u9867\u5ba2\u81ea\u4f53\u304c\u5229\u76ca\u3092\u751f\u307e\u306a\u304f\u3068\u3082\u3001\u8a8d\u77e5\u5ea6\u5411\u4e0a\u306a\u3069\u304c\u56f3\u3089\u308c\u3001\u5168\u4f53\u7684\u304b\u3064\u9577\u671f\u7684\u306b\u5229\u76ca\u3092\u751f\u3080\u3068\u3044\u3046\u3053\u3068\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u540c\u3058\u30a6\u30f3\u767e\u30c9\u30eb\u3092\u652f\u7d66\u3057\u305f\u5834\u5408\u3067\u3082\u3001\u9867\u5ba2A\u304b\u3089\u306f\u305d\u308c\u307b\u3069\u5927\u304d\u306a\u5229\u76ca\u304c\u3042\u304c\u3089\u306a\u304b\u3063\u305f\u304c\u3001\u4ed6\u306e\u9867\u5ba2B\u304b\u3089\u306f\u975e\u5e38\u306b\u5927\u304d\u306a\u5229\u76ca\u304c\u5f97\u3089\u308c\u9867\u5ba2B\u672c\u4eba\u3060\u3051\u3067\u306a\u304f\u9867\u5ba2A\u306e\u30b3\u30b9\u30c8\u307e\u3067\u30ab\u30d0\u30fc\u3057\u4e0a\u56de\u3063\u305f\u306e\u3067\u3001\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u306f\u5168\u4f53\u3068\u3057\u3066\u9ed2\u5b57\u3068\u306a\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u3048\u307e\u3059\u3002\u3064\u307e\u308a\u30dc\u30fc\u30ca\u30b9\u3092\u3082\u3089\u3063\u3066\u5f97\u3092\u3059\u308b\u9867\u5ba2\u3068\u3001\u640d\u3092\u3059\u308b\u9867\u5ba2\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u79c1\u305f\u3061\u6d88\u8cbb\u8005\u3068\u3057\u3066\u306f\u3001\u30a6\u30f3\u767e\u30c9\u30eb\u3082\u3089\u3063\u3066\u3001\u81ea\u5206\u306e\u30b1\u30fc\u30b9\u3067\u306f\u7d50\u679c\u7684\u306b\u9ad8\u304f\u3064\u304f\u3053\u3068\u306f\u306a\u3044\u304b\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u306b\u6ce8\u610f\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u6d88\u8cbb\u8005\u3068\u3057\u3066\u306f\u3001\u81ea\u5206\u306f\u3001\u81ea\u5206\u304c\u5f97\u3059\u308b\u306e\u304b\u91d1\u878d\u6a5f\u95a2\u304c\u5f97\u3059\u308b\u306e\u304b\u3001\u3069\u3061\u3089\u306e\u30b1\u30fc\u30b9\u306b\u306a\u308b\u306e\u304b\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u3082\u4e88\u60f3\u3057\u3066\u307f\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306a\u3089<\/h2>\n<p>\u3053\u306e\u53e3\u5ea7\u3067\u306f\u3001Stock\uff08\u500b\u5225\u682a\uff09\u6295\u8cc7\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u6295\u8cc7\u3001ETF\u6295\u8cc7\u304c\u9078\u3079\u307e\u3059\u304c\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\u306e\u624b\u6570\u6599(Expense Ratio)\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u4e0b\u306f\u4e00\u90e8\u629c\u7c8b\u3067\u3059\u304c\u3001Expense Ratio\u306f\u5168\u4f53\u7684\u306b\u9ad8\u3081\u3067\u3042\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u30021.00%\u524d\u5f8c\u304c\u591a\u304f\u3001\u9ad8\u3044\u3082\u306e\u306f1.78%\u3068\u3044\u3046\u3082\u306e\u3082\u3042\u308a\u307e\u3057\u305f\u3002\u30b5\u30d6\u30d7\u30e9\u30a4\u30e0\u554f\u984c\u306b\u59cb\u307e\u3063\u305f\u91d1\u878d\u5371\u6a5f\u4ee5\u964d\u3001\u30d5\u30a1\u30f3\u30c9\u306e\u4f4e\u624b\u6570\u6599\u5316\u306f\u5426\u3081\u306a\u3044\u30c8\u30ec\u30f3\u30c9\u3067\u3001\u624b\u6570\u6599\u306b\u654f\u611f\u306a\u6295\u8cc7\u5bb6\u3082\u5897\u3048\u3066\u3044\u308b\u4e2d\u3001\u307e\u3060\u3053\u306e\u3088\u3046\u306a\u9ad8\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u304c\u5b58\u5728\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u3061\u3087\u3063\u3068\u9a5a\u304d\u307e\u3057\u305f\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4291\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-Mutual-funds.jpg?resize=810%2C543\" alt=\"\" width=\"810\" height=\"543\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-Mutual-funds.jpg?w=813&amp;ssl=1 813w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-Mutual-funds.jpg?resize=300%2C201&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-Mutual-funds.jpg?resize=768%2C515&amp;ssl=1 768w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-Mutual-funds.jpg?resize=272%2C182&amp;ssl=1 272w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>$200,000\u306e1.00%\u306f$2,000\u3067\u3059\u304b\u3089\u3001\u6700\u521d\u306b$900\u3082\u3089\u3063\u3066\u3082\u5dee\u5f15$1,100\u306e\u30b3\u30b9\u30c8\u306b\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3082\u3053\u308c\u306f\u4e00\u5e74\u76ee\u3060\u3051\u306e\u8a71\u3002\u4e8c\u5e74\u76ee\u4ee5\u964d\u3082\u3001$2,000\uff08\u904b\u7528\u3067\u6295\u8cc7\u6b8b\u9ad8\u304c\u5897\u3048\u308c\u3070\u305d\u308c\u4ee5\u4e0a\uff09\u306e\u624b\u6570\u6599\u306f\u7d99\u7d9a\u3057\u307e\u3059\u3002\u4f8b\u3048\u3070\u3082\u3057\u3082\u3069\u3053\u304b\u4ed6\u306e\u6a5f\u95a2\u3067\u4f4e\u624b\u6570\u6599\u904b\u7528\u3057\u3066\u3044\u305f\u3068\u3057\u3066\u3001\u624b\u6570\u6599\u304c\u4eee\u306b0.30\uff05\u3060\u3068\u3057\u305f\u3089\u3001\u5e74\u9593$600\u306e\u30b3\u30b9\u30c8\u3067\u6e08\u3093\u3067\u3044\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304b\u3089\u3001IRA\u306f\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u305b\u305a\u305d\u306e\u307e\u307e\u306b\u3057\u305f\u307b\u3046\u304c\u65ad\u7136\u304a\u5f97\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u306b\u52a0\u3048\u3066\u30d5\u30a1\u30f3\u30c9\u306b\u3088\u3063\u3066\u306f\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\uff08\u8ca9\u58f2\u624b\u6570\u6599\uff09\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4e0b\u306eAPGAX\u3068\u3044\u3046\u30d5\u30a1\u30f3\u30c9\u3001\u4e00\u5fdc5\u3064\u661f\u30d5\u30a1\u30f3\u30c9\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u4e2d\u8eab\u3092\u898b\u3066\u307f\u308b\u30681.02\uff05\u306eExpense Ratio\u306b\u52a0\u3048\u3066\u30014.25\uff05\u306e\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u304c\u304b\u304b\u308a\u307e\u3059\u3002$200,000\u3092\u5168\u90e8\u3053\u308c\u306b\u5165\u308c\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u4eba\u306f\u3044\u306a\u3044\u304b\u3068\u306f\u601d\u3044\u307e\u3059\u304c\u3001\u4e00\u5fdc\u8a08\u7b97\u3057\u3066\u307f\u308b\u3068\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u3060\u3051\u3067$200,000\uff584.25\uff05\uff1d$8,500\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4293\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-load-fund.jpg?resize=810%2C394\" alt=\"\" width=\"810\" height=\"394\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-load-fund.jpg?w=878&amp;ssl=1 878w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-load-fund.jpg?resize=300%2C146&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-load-fund.jpg?resize=768%2C374&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>Bank of America\u306e\u63d0\u4f9b\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u3072\u3068\u3064\u3072\u3068\u3064\u3088\u304f\u898b\u3066\u3044\u3051\u3070\u3001\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u3082\u306a\u304fExpense Ratio\u3082\u4f4e\u3044\u30d5\u30a1\u30f3\u30c9\u3082\u3042\u308b\u306b\u306f\u3042\u308a\u307e\u3059\u3002\u305d\u3046\u3044\u3046\u3082\u306e\u3060\u3051\u3067\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u3042\u3046\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u7d44\u3081\u308b\u304b\u3069\u3046\u304b\u306f\u5b9a\u304b\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u5c11\u306a\u304f\u3068\u3082\u624b\u6570\u6599\u306e\u4f4e\u3044\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3046\u3053\u3068\u306f\u53ef\u80fd\u3067\u306f\u3042\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u305d\u306e\u3088\u3046\u306a\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u306e\u306b\u5fb9\u3059\u308c\u3070\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u30dc\u30fc\u30ca\u30b9\u3092\u3082\u3089\u3063\u3066\u5f97\u3092\u3057\u3066\u7d42\u308f\u308b\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>ETF\u306a\u3089<\/h2>\n<p>ETF\u306e\u5834\u5408\u306f\u3069\u3046\u3067\u3057\u3087\u3046\u304b\u3002ETF\u306e\u5834\u5408\u306f\u3001\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306f\u306a\u304f\u3001\u53d6\u5f15\u306e\u305f\u3073\u306b$6.95\u3092\u624b\u6570\u6599\u3068\u3057\u3066\u6255\u3044\u307e\u3059\u3002Expense Ratio\u306f\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306b\u6bd4\u3079\u3066\u683c\u6bb5\u306b\u4f4e\u304f\u30010.20\uff05\u4ee5\u4e0b\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4292\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-trading-cost.jpg?resize=810%2C133\" alt=\"\" width=\"810\" height=\"133\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-trading-cost.jpg?w=891&amp;ssl=1 891w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-trading-cost.jpg?resize=300%2C49&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merrill-trading-cost.jpg?resize=768%2C126&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4294\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/merrill-ETF.jpg?resize=810%2C527\" alt=\"\" width=\"810\" height=\"527\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/merrill-ETF.jpg?w=948&amp;ssl=1 948w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/merrill-ETF.jpg?resize=300%2C195&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/merrill-ETF.jpg?resize=768%2C500&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>\u3088\u3063\u3066ETF\u306a\u3089\u3070\u3001\u3044\u3063\u305f\u3093\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3093\u3067\u305d\u306e\u5f8c\u58f2\u308a\u8cb7\u3044\u306f\u63a7\u3048\u3001\u9577\u671f\u6295\u8cc7\u3092\u3059\u308b\u3068\u3044\u3046\u30b9\u30bf\u30f3\u30b9\u3067\u3042\u308c\u3070\u3001\u5927\u304d\u304f\u640d\u3092\u3059\u308b\u3053\u3068\u3082\u306a\u304f\u3042\u308a\u304c\u305f\u304f\u30dc\u30fc\u30ca\u30b9\u3092\u3082\u3089\u3046\u3068\u3044\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/etf\/\" >ETF\u306f\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3068\u306f\u9055\u3044\u3001\u58f2\u308a\u8cb7\u3044\u304c\u7c21\u5358<\/a>\u3067\u3001\u6a5f\u4f1a\u3092\u307f\u306a\u304c\u3089\u5229\u30b6\u30e4\u3092\u7a3c\u3050\u8a98\u60d1\u306b\u304b\u3089\u308c\u3084\u3059\u3044\u3068\u3044\u3046\u96e3\u70b9\u304c\u3042\u308a\u307e\u3059\u3002\u5b9f\u969b\u30012016\u5e74\u306e\u30c7\u30fc\u30bf\u3067\u306f\u3001\u5168\u7c73\u306e\u6295\u8cc7\u53d6\u5f15\u3067\u3001\u30b7\u30a7\u30a2\u6570\u3067\u3082\u53d6\u5f15\u984d\u3067\u3082\u3001\u6700\u3082\u53d6\u5f15\u3055\u308c\u305f\u30b7\u30a7\u30a2\u306f\u4e0a\u4f4d12\u4f4d\u307e\u3067\u304cETF\u3067\u300113\u4f4d\u306b\u306b\u3084\u3063\u3068\u500b\u5225\u682a\u304c\u51fa\u3066\u304d\u307e\u3059\u3002\u4eba\u6c17ETF\u304c\u4eba\u6c17\u500b\u5225\u682a\u4ee5\u4e0a\u306b\u58f2\u308a\u8cb7\u3044\u304c\u3055\u308c\u3066\u3044\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\uff08Credit Suisse\u8abf\u3079\uff09\u3002\u3082\u3057\u3082\u983b\u7e41\u306b\u53d6\u5f15\u3092\u3059\u308b\u306a\u3089\u304c\u3001\u53d6\u5f15\u624b\u6570\u6599\u304c\u304b\u3055\u3093\u3080\u5371\u967a\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>$900\u306e\u30dc\u30fc\u30ca\u30b9\u304c\u5409\u3068\u3067\u308b\u304b\u51f6\u3068\u51fa\u308b\u304b\u306f\u3001\u305d\u306e\u4eba\u305d\u306e\u4eba\u306e\u30b1\u30fc\u30b9\u306b\u3088\u308a\u307e\u3059\u3002\u3082\u3057\u3082\u3001\u4f4e\u624b\u6570\u6599\u306e\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3092\u898b\u3064\u3051\u3066\u904b\u7528\u3057\u305f\u308a\u3001ETF\u3067\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3093\u3067\u53d6\u5f15\u306f\u305b\u305a\u9577\u671f\u6295\u8cc7\u3059\u308b\u3068\u3044\u3046\u4eba\u3067\u3042\u308c\u3070\u5409\u3068\u3067\u308b\u53ef\u80fd\u6027\u306f\u9ad8\u3044\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001\u77e5\u3089\u305a\u77e5\u3089\u305a\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u3084Expense Ratio\u306e\u9ad8\u3044\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3063\u3066\u3057\u307e\u3063\u305f\u308a\u3001ETF\u3067\u53d6\u5f15\u3070\u304b\u308a\u91cd\u306d\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u30dc\u30fc\u30ca\u30b9\u304c\u3059\u3050\u3075\u3063\u3068\u3093\u3067\u3057\u307e\u3046\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30dc\u30fc\u30ca\u30b9\u306b\u306f\u3059\u3050\u98db\u3073\u3064\u304b\u305a\u3001\u3053\u306e\u3042\u305f\u308a\u307e\u3067\u60f3\u50cf\u3092\u81a8\u3089\u307e\u305b\u3066\u304a\u304f\u3053\u3068\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u79c1\u500b\u4eba\u7684\u306b\u306f\u3001$900\u306b\u306f\u60d1\u308f\u3055\u308c\u306a\u3044\u3067\u3001\u305d\u3082\u305d\u3082\u4f4e\u624b\u6570\u6599\u306eVanguard\u3067\u306e\u9577\u671f\u6295\u8cc7\u306b\u5fb9\u3057\u3066\u304a\u304f\u306e\u3092\u9078\u3076\u3067\u3057\u3087\u3046\u3002Vanguard\u793e\u306f\u304a\u305d\u3089\u304f$900\u306e\u30dc\u30fc\u30ca\u30b9\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u306f\u6253\u3064\u3053\u3068\u306f\u306a\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u305d\u3046\u3044\u3046\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3092\u3057\u306a\u304f\u3066\u3082\u58f2\u308b\u3079\u304d\u30bb\u30fc\u30eb\u30b9\u30dd\u30a4\u30f3\u30c8\u304c\u3042\u308b\u3068\u3044\u3046\u610f\u5473\u3060\u3068\u7406\u89e3\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America\u304b\u3089\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u30e1\u30fc\u30eb\u304c\u6765\u307e\u3057\u305f\u3002IRA\u3092\u958b\u3051\u3070\u6700\u9ad8\u3067$900\u3092\u304f\u308c\u308b\u3068\u3044\u3044\u307e\u3059\u3002There is no free lunch..\u3068\u3044\u3044\u307e\u3059\u304b\u3089\u3001$900\u304f\u308c\u308b\u3063\u3066\u88cf\u306b\u306a\u306b\u304c\u96a0\u308c\u3066\u3044\u308b\u3093\u3060\u308d\u3046\u30fb\u30fb\u3068\u3061\u3087\u3063\u3068\u614e\u91cd\u306b\u306a\u308b\u3082\u306e\u3002Bank of America\u306f2009\u5e74\u306bMerrill Lynch\u3092\u8cb7\u53ce\u3057\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5b9f\u306f\u3053\u308c\u307e\u3067\u306b\u4f55\u5ea6\u3082\u3053\u306e\u624b\u306e\u30e1\u30fc\u30eb\u3092\u53d7\u3051\u53d6\u3063\u3066\u3044\u307e\u3059\u3002\u4eca\u56de\u306f\u3001\u3053\u308c\u3063\u3066\u3044\u3044\u30c7\u30a3\u30fc\u30eb\u306a\u306e\u304b\u3001\u3061\u3087\u3063\u3068\u8abf\u3079\u3066\u307f\u3088\u3046\u3068\u601d\u3044\u307e\u3059\u3002 &nbsp; \u4e0b\u304c\u305d\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u3059\u3002 IRA\u53e3\u5ea7\u306e\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u3001\u65b0\u898f\u53e3\u5ea7\u3092\u958b\u8a2d\u3057\u6700\u4f4e$20, &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4295,"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":[36,61,23],"tags":[75,58],"class_list":["post-4290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-thrift-life","category-banking","tag-investment","tag-smart-shopping"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/02\/Merill.jpg?fit=516%2C500&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-17c","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4290","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=4290"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4290\/revisions"}],"predecessor-version":[{"id":4297,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4290\/revisions\/4297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4295"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}