{"id":4309,"date":"2018-03-27T09:41:39","date_gmt":"2018-03-27T17:41:39","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4309"},"modified":"2026-05-05T15:50:59","modified_gmt":"2026-05-05T23:50:59","slug":"rmd_withdrawal","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/rmd_withdrawal\/","title":{"rendered":"\u30ea\u30e4\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3000\uff0d\u3000RMD\u3067\u8003\u3048\u308b"},"content":{"rendered":"

\u5927\u5207\u306b\u305f\u3081\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3002\u3044\u3056\u8001\u5f8c\u306e\u751f\u6d3b\u306b\u5165\u3063\u305f\u3089\u3001\u4eca\u5ea6\u306f\u305d\u306e\u8cc7\u91d1\u3092\u5927\u5207\u306b\u4f7f\u308f\u306a\u304f\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002\u9014\u4e2d\u3067\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u3066\u3057\u307e\u3063\u3066\u306f\u56f0\u308a\u307e\u3059\u304b\u3089\u3002\u3053\u3053\u306b\u3082\u8a08\u753b\u304c\u5fc5\u8981\u3067\u3059\u3002\u3053\u305320\u5e74\u304f\u3089\u3044\u306e\u9593\u3001\u300c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u6e96\u5099\u3059\u308b\u305f\u3081\u306b\u3001\u3069\u3046\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u904b\u7528\u3059\u308b\u304b\u300d\u3068\u3044\u3046\u30c8\u30d4\u30c3\u30af\u306b\u3064\u3044\u3066\u306f\u3001\u591a\u304f\u306e\u8b70\u8ad6\u3084\u30ea\u30b5\u30fc\u30c1\u304c\u306a\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u3002\u30d9\u30d3\u30fc\u30d6\u30fc\u30de\u30fc\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u308a\u59cb\u3081\u305f\u3053\u308d\u304b\u3089\u3001\u300c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u3069\u3046\u5f15\u304d\u51fa\u3059\u304b\u300d\u3068\u3044\u3046\u30c8\u30d4\u30c3\u30af\u3082\u51fa\u59cb\u3081\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u30c6\u30fc\u30de\u306b\u3064\u3044\u3066\u306f\u307e\u3060\u591a\u304f\u306e\u7814\u7a76\u3068\u8b70\u8ad6\u304c\u5fc5\u8981\u306a\u6bb5\u968e\u3068\u3044\u3048\u307e\u3059\u3002\u4eca\u65e5\u306f\u3001RMD\u304c\u5f15\u304d\u51fa\u3057\u306e\u3072\u3068\u3064\u306e\u6709\u52b9\u306a\u6307\u6a19\u306b\u306a\u308b\u3068\u3044\u3046\u8208\u5473\u6df1\u3044\u8a18\u4e8b\u3092\u898b\u3064\u3051\u305f\u306e\u3067\u30b7\u30a7\u30a2\u3057\u307e\u3059\u3002<\/p>\n

RMD\u3068\u306f<\/h2>\n

401(k)\u3084Traditional IRA\u306a\u3069\u306f\u300170\u6b73\u534a\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09\u306b\u306a\u308b\u3068\u3001\u305d\u3053\u304b\u3089\u304a\u91d1\u3092\u4f7f\u3046\u5fc5\u8981\u304c\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u6700\u4f4e\u9650\u306e\u5f15\u304d\u51fa\u3057\u984d\uff08Required Minimum Distribution\u3000:RMD\uff09\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u76ee\u7684\u304c\u3086\u3048\u306b\u7a0e\u512a\u9047\u306e\u3042\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u304a\u91d1\u3092\u8caf\u3081\u306a\u304c\u3089\u3001\u5b9f\u306f\u3042\u307e\u308a\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u4f7f\u308f\u305a\u3001\u7a0e\u512a\u9047\u3092\u53d7\u3051\u305f\u307e\u307e\u6b21\u4e16\u4ee3\u3078\u76f8\u7d9a\u3059\u308b\u306a\u3069\u306e\u4f7f\u308f\u308c\u65b9\u3092\u9632\u3050\u610f\u5473\u304c\u3042\u308a\u307e\u3059\u3002\u5e74\u3005\u6700\u4f4e\u9650\u306e\u984d\u306f\u5f15\u304d\u51fa\u3055\u305b\u3001\u8ab2\u7a0e\u3059\u308b\u3068\u3044\u3046\u306e\u304cRMD\u306e\u5b58\u5728\u610f\u7fa9\u3067\u3059\u3002<\/p>\n

RMD\u306f\u5e74\u9f62\u3068\u6b8b\u9ad8\u306b\u3088\u3063\u3066\u6bce\u5e74\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u6b8b\u9ad8\u306f401(k)\u3084Traditional IRA\u306a\u3069\u306e\u7dcf\u984d\uff08Roth IRA\u306fRMD\u4e0d\u8981\u3067\u3001\u3053\u308c\u306b\u542b\u307e\u308c\u305a\uff09\u304c\u4f7f\u308f\u308c\u3001RMD\u3092\u5177\u4f53\u7684\u306b\u3069\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3059\u304b\u306b\u3064\u3044\u3066\u306f\u81ea\u7531\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3092\u6020\u308b\u3068\u9ad8\u984d\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u6c17\u3092\u3064\u3051\u307e\u3059\u3002<\/p>\n

\u30fb\u30fb\u30fb\u3068\u3044\u3046\u308f\u3051\u3067\u3001RMD\u306f\u3069\u3061\u3089\u304b\u3068\u3044\u3046\u3068\u3001\u300c\uff08\u5f15\u304d\u51fa\u3057\u305f\u304f\u306a\u304f\u3066\u3082\uff09\u5f15\u304d\u51fa\u3055\u306a\u3044\u3068\u3044\u3051\u306a\u3044\u3082\u306e\u300d\u3001\u300c\u5f15\u304d\u51fa\u3057\u5fd8\u308c\u308b\u3068\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3042\u308b\u3082\u306e\u300d\u3068\u3044\u3046\u30cd\u30ac\u30c6\u30a3\u30d6\u306a\u30a4\u30e1\u30fc\u30b8\u3060\u3051\u304c\u3064\u304d\u307e\u3068\u3044\u304c\u3061\u3060\u3063\u305f\u306e\u3067\u3059\u304c\u3001\u3053\u306eRMD\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u5f15\u304d\u51fa\u3057\u306e\u6307\u6a19\u3068\u3057\u3066\u4f7f\u3063\u3066\u307f\u305f\u3068\u3053\u308d\u3001\u3046\u307e\u3044\u3050\u3042\u3044\u306b\u5f15\u304d\u51fa\u3057\u304c\u8abf\u6574\u3055\u308c\u3066\u3001\u3057\u304b\u3082\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u67af\u6e07\u3059\u308b\u3053\u3068\u306a\u304f\u6700\u5f8c\u307e\u3067\u4fdd\u305f\u308c\u305f\u30fb\u30fb\u3068\u3044\u3046\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u3001\u4eca\u56de\u3001\u898b\u3064\u3051\u305f\u308f\u3051\u3067\u3059\u3002<\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u4f7f\u3046\u306b\u3042\u305f\u3063\u3066\u306e\u30dd\u30a4\u30f3\u30c8<\/h2>\n

\u307e\u305a\u3001RMD\u306e\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\u8a71\u306b\u5165\u308b\u307e\u3067\u306b\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u4f7f\u3046\u30d5\u30a7\u30fc\u30ba\u3067\u3001\u30ad\u30fc\u3068\u306a\u308b\u30dd\u30a4\u30f3\u30c8\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3059\u3002\u8a73\u3057\u304f\u306f\u3001\u4e0b\u306e\u30b7\u30ea\u30fc\u30ba\u3092\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u8ce2\u3044\u5f15\u304d\u51fa\u3057\u65b9\uff08\uff11\uff09\u3000\uff0d\u3000\u76f8\u7d9a\u3068\u8907\u6570\u53e3\u5ea7<\/strong><\/a><\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u8ce2\u3044\u5f15\u304d\u51fa\u3057\u65b9\uff08\uff12\uff09\u3000\uff0d\u3000\u8001\u5f8c\u306e\u8cc7\u91d1\u904b\u7528\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa<\/strong><\/a><\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u8ce2\u3044\u5f15\u304d\u51fa\u3057\u65b9\uff08\uff13\uff09\u3000\uff0d\u3000\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u306e\u78ba\u4fdd\u306e\u3057\u304b\u305f<\/strong><\/a><\/p>\n

    \n
  1. \n

    \u30ea\u30bf\u30e4\u30e1\u30f3\u30c8\u751f\u6d3b\u306b\u5165\u308b\u524d\u306b\u3001\u7121\u99c4\u306a\u51fa\u8cbb\u3092\u524a\u308b\u305f\u3081\u306e\u751f\u6d3b\u306e\u898b\u76f4\u3057\u3092\u3059\u308b\u3002<\/h4>\n<\/li>\n
  2. \n

    \u51fa\u8cbb\u3092\u7d14\u751f\u6d3b\u8cbb<\/u>\uff08<\/u>\u30ec\u30f3\u30c8\u3001\u98df\u8cbb\u3001\u30ac\u30b9\u4ee3\u306a\u3069\u56fa\u5b9a\u8cbb\uff09\u3068\u3001\u5909\u52d5\u8cbb<\/u>\uff08\u65c5\u884c\u3001\u30a8\u30f3\u30bf\u30fc\u30c6\u30a4\u30e1\u30f3\u30c8\u3001\u793e\u4ea4\u8cbb\u306a\u3069\u4f59\u88d5\u304c\u3042\u308c\u3070\u51fa\u8cbb\u3059\u308b\u8cbb\u7528\uff09\u306b\u6574\u7406\u3059\u308b\u3002<\/h4>\n<\/li>\n
  3. \n

    \u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u4f01\u696d\u5e74\u91d1\u306a\u3069\u306e\u56fa\u5b9a\u53ce\u5165<\/u>\u3067\u3001\u7d14\u751f\u6d3b\u8cbb\u306e\u4f55\u30d1\u30fc\u30bb\u30f3\u30c8\u304c\u30ab\u30d0\u30fc\u3067\u304d\u308b\u304b\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3002<\/h4>\n<\/li>\n
  4. \n

    \u4e0a\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u304c\u5c11\u306a\u3051\u308c\u3070\uff0850\uff05\u4ee5\u4e0a\u306a\u3051\u308c\u3070\uff09\u3001\u8cea\u306e\u826f\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff08\u4e00\u62ec\u3067\u652f\u6255\u3063\u3066\u3001\u5e74\u91d1\u5316\uff09\u306a\u3069\u306e\u8cfc\u5165\u3092\u8003\u616e\u3059\u308b\u3002<\/h4>\n<\/li>\n
  5. \n

    \u7d14\u751f\u6d3b\u8cbb\u304b\u3089\u56fa\u5b9a\u53ce\u5165\u3092\u5dee\u3057\u5f15\u3044\u305f\u984d\u306e6\u304b\u6708\u304b\u308912\u304b\u6708\u5206\u3050\u3089\u3044\u306e\u73fe\u91d1\u3092\u624b\u5143\u306b\u7528\u610f\u3059\u308b\u3002<\/h4>\n<\/li>\n
  6. \n

    \u8001\u5f8c\u306e\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5927\u304d\u3055\u3001\u5bff\u547d\u3001\u56fa\u5b9a\u53ce\u5165\u306e\u5927\u304d\u3055\u306a\u3069\u3092\u30c8\u30fc\u30bf\u30eb\u3067\u8003\u3048\u3001\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u6c7a\u3081\u308b\u3002<\/h4>\n<\/li>\n
  7. \n

    \u67af\u6e07\u3057\u306a\u3044\u3088\u3046\u306b\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304b\u3089\u5f15\u304d\u51fa\u3059\uff1a\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u72b6\u6cc1\u304c\u60aa\u3044\u3068\u304d\u306b\u306f\u5c11\u306a\u304f\u5f15\u304d\u51fa\u3057\u3001\u72b6\u6cc1\u304c\u826f\u3044\u6642\u306b\u306f\u591a\u304f\u5f15\u304d\u51fa\u3059\u3001\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u8abf\u6574\u3092\u884c\u3044\u3064\u3064\u5f15\u304d\u51fa\u3059\u306e\u304c\u3088\u3044\u3002<\/h4>\n<\/li>\n<\/ol>\n

    \u3053\u306e7\u306e\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u8abf\u6574\u3092\u3057\u3064\u3064\u306e\u5f15\u304d\u51fa\u3057\u65b9\u3068\u3057\u3066\u3001\u4ee5\u524d\u3001Vanguard\u793e\u304c\u7de8\u307f\u51fa\u3057\u305f\u3001\u4e0a\u9650\u30fb\u4e0b\u9650\u8a2d\u5b9a\u306e\u7bc4\u56f2\u3067\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u5f15\u304d\u51fa\u3057\u3066\u3044\u304f\u65b9\u6cd5\u3092\u7d39\u4ecb\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u3001\u6bce\u5e74\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\uff08\u4f8b\u3048\u30705%\u306a\u3069\uff09\u3092\u5f15\u304d\u51fa\u3059\u306e\u3092\u57fa\u672c\u3068\u3059\u308b\u304c\u3001\u305f\u3060\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u72b6\u6cc1\u304c\u60aa\u3044\uff08\u8cc7\u7523\u4fa1\u5024\u304c\u4e0b\u304c\u3063\u3066\u3044\u308b\uff09\u3068\u304d\u306b\u306f\u4e0b\u9650\uff08\u305f\u3068\u3048\u30702.5\uff05\u6e1b\u306e\u984d\uff09\u3092\u5f15\u304d\u51fa\u3057\u3001\u53cd\u5bfe\u306b\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u72b6\u614b\u304c\u826f\u3044\uff08\u8cc7\u7523\u4fa1\u5024\u304c\u4e0a\u304c\u3063\u3066\u3044\u308b\uff09\u3068\u304d\u306b\u306f\u4e0a\u9650\uff08\u305f\u3068\u3048\u30705%\u5897\u3057\u306e\u984d\uff09\u3092\u5f15\u304d\u51fa\u3059\u3068\u3044\u3046\u3088\u3046\u306b\u8abf\u6574\u3059\u308b\u3082\u306e\u3067\u3001\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\u7d50\u679c\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u304c\u3044\u3044\u3068\u304d\u591a\u304f\u5f15\u304d\u51fa\u3057\u3001\u60aa\u3044\u3068\u304d\u5c11\u306a\u304f\u5f15\u304d\u51fa\u3059\u3068\u3044\u3046\u610f\u5473\u3067\u3001\u306a\u304b\u306a\u304b\u6709\u52b9\u306a\u7b56\u3067\u3042\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002<\/p>\n

    \u305f\u3060\u3001\u6bce\u5e74\u306e\u5224\u65ad\u3068\u8a08\u7b97\u304c\u9762\u5012\u3067\u3001\u5c06\u6765\u7684\u306b\u306f\u3082\u3057\u304b\u3057\u305f\u3089\u81ea\u52d5\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u958b\u767a\u3055\u308c\u305f\u308a\u3059\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u81ea\u5206\u3067\u3084\u308b\u306b\u306f\u5c11\u3005\u9762\u5012\u3067\u3059\u3002<\/p>\n

    \u3053\u306e\u4ee3\u66ff\u7b56\u3068\u3057\u3066\u4eca\u56de\u3054\u7d39\u4ecb\u3059\u308b\u306e\u304cRMD\u3092\u4f7f\u3046\u3084\u308a\u65b9\u3067\u3059\u3002<\/p>\n

    RMD\u306e\u8a08\u7b97\u306e\u3057\u304b\u305f<\/h2>\n

    RMD\u306f\u4e0b\u306e\u8a08\u7b97\u5f0f\u3067\u6bce\u5e74\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002RMD\u306f\u3001\u6295\u8cc7\u6b8b\u9ad8\u3092\u305d\u306e\u5e74\u306e\u5bff\u547d\u4e88\u6e2c\u5e74\u6570\u3067\u5272\u3063\u305f\u984d\u3067\u3059\u3002\u5bff\u547d\u4e88\u6e2c\u306fIRS\u304c\u767a\u8868\u3059\u308b\u4e0b\u8a18\u306e\u30c6\u30fc\u30d6\u30eb\u3067\u78ba\u8a8d\u3057\u307e\u3059\u3002<\/p>\n

    \"\"<\/p>\n

    \u3042\u308b\u5e74\u306eRMD\u3000\uff1d\u3000\u524d\u5e74\u672b(\u5f53\u5e74\u521d)\u306e\u53e3\u5ea7\u6b8b\u9ad8\u3000\u00f7\u3000\u4e0b\u306eDistribution Period<\/em><\/strong><\/p>\n

    \u3053\u308c\u306f\u3001\u300c\u305d\u306e\u6642\u3042\u308b\u6295\u8cc7\u8cc7\u91d1\u3092\u3001\u6b8b\u308a\u306e\u751f\u5b58\u5e74\u6570\u3067\u5272\u3063\u305f\u984d\u3067\u3001\u751f\u5b58\u5e74\u6570\u306e\u4e00\u5e74\u5206\u306e\u984d\u3092\u305d\u306e\u5e74\u306b\u5f15\u304d\u51fa\u3059\u300d\u3068\u3044\u3046\u8003\u3048\u65b9\u3067\u3059\u3002\u5e74\u3005\u3001\u751f\u5b58\u5e74\u6570\u306f\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\uff1d\u5206\u6bcd\u304c\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u306e\u3067\u3001\u88cf\u8fd4\u3057\u3066\u8003\u3048\u308c\u3070\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304b\u3089\u5f15\u304d\u51fa\u3059\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306f\u4e0a\u304c\u3063\u3066\u3044\u304d\u307e\u3059\u3002\u305f\u3060\u5f15\u304d\u51fa\u3057\u306e\u305f\u3081\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u6b8b\u9ad8\u306f\u3060\u3093\u3060\u3093\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u304f\u306e\u3067\u3001\u5e74\u3092\u7d4c\u308b\u306b\u3064\u308c\u3066<\/p>\n

    \u3060\u3093\u3060\u3093\u5c0f\u3055\u304f\u306a\u308b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u6b8b\u9ad8\u3000\uff58\u3000\u3060\u3093\u3060\u3093\u5897\u3048\u308b\u5f15\u304d\u51fa\u3057\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8<\/p>\n

    \u3068\u3044\u3046\u56f3\u306b\u306a\u308a\u3001\u3042\u308b\u7a0b\u5ea6\u5b89\u5b9a\u3057\u305f\u5f15\u304d\u51fa\u3057\u984d\u304c\u78ba\u4fdd\u3055\u308c\u308b\uff08\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u6295\u8cc7\u5229\u56de\u308a\u306b\u3082\u3088\u308a\u307e\u3059\u304c\uff09\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

    \u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\u7d50\u679c<\/h2>\n

    \u4e0b\u8a18\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6642\u306b\u6b8b\u9ad8$500,000\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u3000\u4f4e\u30ea\u30b9\u30af\u904b\u7528\uff082%\uff09\u3057\u305f\u5834\u5408\uff08\u30aa\u30ec\u30f3\u30b8\uff09\u3068\u3001\u4e2d\u9ad8\u30ea\u30b9\u30af\u904b\u7528\uff08\u5e74\u5e73\u57477.5%\uff09\u3057\u305f\u5834\u5408\uff08\u30d6\u30eb\u30fc\uff09\u3068\u306e\u305d\u308c\u305e\u308c\u3067\u3001\uff13\u3064\u306e\u5f15\u304d\u51fa\u3057\u65b9\u6cd5\uff1a\uff11\uff09\u6bce\u5e74\u56fa\u5b9a\u3067$20,000\u305a\u3064\u5f15\u304d\u51fa\u3059\u3001\uff12\uff09\u5e74\u521d\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u6b8b\u9ad8\u306e\uff14\uff05\u3092\u5f15\u304d\u51fa\u3059\u3001\uff13\uff09RMD\u3092\u5f15\u304d\u51fa\u3059\u3000\u306b\u3064\u3044\u3066\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\uff08\u30e2\u30f3\u30c6\u30ab\u30eb\u30ed\u6cd5\uff09\u3057\u300140\u5e74\u9593\u306b\u308f\u305f\u308a\u3001<\/p>\n

    \u5e74\u5e73\u5747\u3067\u5f15\u304d\u51fa\u3057\u984d\u304c\u3044\u304f\u3089\u3067\u3042\u3063\u305f\u304b\u3000\u3000\u3068<\/p>\n

    40\u5e74\u5f8c\u306e\u6b8b\u9ad8\u3000\u3000\u3000\u3000\u3092\u8a08\u7b97\u3057\u305f\u3082\u306e\u3067\u3059\u3002<\/p>\n

    \"\"<\/p>\n

    \uff11\uff09\u6bce\u5e74\u56fa\u5b9a\u3067$20,000<\/strong>\u305a\u3064\u5f15\u304d\u51fa\u3059<\/strong>\u3000\u3067\u306f\u3001\u4f4e\u30ea\u30b9\u30af\u904b\u7528\u306e\u3068\u304d\u306f35\u5e74\u9593\u3067\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u3066\u3057\u307e\u3044\u3001\u53cd\u5bfe\u306b\u9ad8\u30ea\u30b9\u30af\u904b\u7528\u306e\u3068\u304d\u306b\u306f\u3001\u53cd\u5bfe\u306e\u6975\u7aef\u306a\u7d50\u679c\u304c\u51fa\u307e\u3057\u305f\u300240\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f\u7d04$7\u30df\u30ea\u30aa\u30f3\u3067\u3042\u308a\u3001\u3082\u3063\u3068\u5f15\u304d\u3060\u305b\u305f\u306e\u306b\u5f15\u304d\u51fa\u3055\u305a\u5fc5\u8981\u4ee5\u4e0a\u306e\u6b8b\u9ad8\u304c\u6b8b\u3063\u305f\u72b6\u614b\u3067\u3059\u304c\u3001\uff08\u8868\u306b\u306f\u8a18\u8f09\u304c\u3042\u308a\u307e\u305b\u3093\u304c\uff09\u53cd\u5bfe\u306b\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\uff13\uff05\u306e\u6700\u60aa\u30b1\u30fc\u30b9\u3067\u306f30\u5e74\u3088\u308a\u3082\u524d\u306b\u8cc7\u91d1\u304c\u67af\u6e07\u3057\u305f\u3068\u5831\u544a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u5f15\u304d\u51fa\u3057\u3059\u304e\u308b\u304b\u3001\u5f15\u304d\u51fa\u3057\u306a\u3055<\/u>\u3059\u304e\u308b\u304b\u306e\u53ef\u80fd\u6027\u3082\u3042\u308b\u4e0d\u5b89\u5b9a\u306a\u7d50\u679c\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

    \uff12\uff09\u5e74\u521d\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u6b8b\u9ad8\u306e\uff14\uff05\u3092\u5f15\u304d\u51fa\u3059<\/strong>\u3000\u3067\u306f\u3001\u81ea\u7136\u3068\u300c\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u72b6\u6cc1\u304c\u60aa\u3044\u3068\u304d\u306b\u306f\u5c11\u306a\u304f\u5f15\u304d\u51fa\u3057\u3001\u72b6\u6cc1\u304c\u826f\u3044\u6642\u306b\u306f\u591a\u304f\u5f15\u304d\u51fa\u3059\u300d\u52b9\u679c\u304c\u5f97\u3089\u308c\u308b\u305f\u3081\u3001\u7d50\u679c\u306f\uff11\uff09\u306e\u30b1\u30fc\u30b9\u306e\u4e21\u6975\u7aef\u3055\u304c\u5c11\u3057\u8efd\u6e1b\u3055\u308c\u307e\u3059\u3002\u4f4e\u30ea\u30b9\u30af\u904b\u7528\u3067\u306f\u3001\u5e74\u306e\u5e73\u5747\u5f15\u304d\u51fa\u3057\u304c$13,942\u3068\u5c11\u306a\u304f\u306a\u308a\u307e\u3059\u304c\u300140\u5e74\u5f8c\u306e\u6b8b\u9ad8\u3082$215,000\u307b\u3069\u3067\u3001\u9ad8\u30ea\u30b9\u30af\u904b\u7528\u3067\u306f\u3001\u5e74\u306e\u5f15\u304d\u51fa\u3057\u984d\u304c$52,486\u3068\u5897\u3048\u300140\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f$2.5\u30df\u30ea\u30aa\u30f3\u3067\u3057\u305f\u3002\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3067\u306f40\u5e74\u4ee5\u5185\u306b\u8cc7\u91d1\u67af\u6e07\u3059\u308b\u53ef\u80fd\u6027\u306f\u30bc\u30ed\u3067\u3057\u305f\u3002\u305f\u3060\u3057\u3001\u3069\u3061\u3089\u3082\u307e\u3068\u307e\u3063\u305f\u984d\u304c\u6b8b\u9ad8\u3068\u3057\u3066\u6b8b\u3063\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u3082\u3046\u5c11\u3057\u5f15\u304d\u51fa\u3057\u3066\u3082\u3088\u304b\u3063\u305f\u3068\u3044\u3046\u72b6\u614b\u3067\u3059\u3002\u4e21\u6975\u7aef\u3055\u306f\u7de9\u548c\u3055\u308c\u305f\u3082\u306e\u306e\u3001\u3082\u3046\u5c11\u3057\u5f15\u304d\u51fa\u3059\u984d\u3092\u5897\u3084\u305b\u305f\u72b6\u614b\u3067\u3059\u3002<\/p>\n

    \uff13\uff09RMD<\/strong>\u3092\u5f15\u304d\u51fa\u3059<\/strong>\u3000\u3067\u306f\u3001\u5e74\u306e\u5e73\u5747\u5f15\u304d\u51fa\u3057\u304c\u4f4e\u30ea\u30b9\u30af\u904b\u7528\u3067$17,281\u3001\u9ad8\u30ea\u30b9\u30af\u904b\u7528\u3067$64,960\u3068\u5927\u304d\u306a\u958b\u304d\u304c\u3042\u308a\u307e\u3059\u304c\u3001\uff11\uff09\u3084\uff12\uff09\u3068\u6bd4\u3079\u308b\u3068\u6700\u3082\u5927\u304d\u3044\u5f15\u304d\u51fa\u3057\u984d\u3092\u78ba\u4fdd\u3057\u3066\u3044\u3042\u3059\u3002\u3069\u3061\u3089\u308240\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f\u3001\uff11\uff09\u3084\uff12\uff09\u306e\u3088\u3046\u306b\u30df\u30ea\u30aa\u30f3\u5358\u4f4d\u3067\u8cc7\u91d1\u304c\u6b8b\u308b\u3053\u3068\u306f\u306a\u304f\u3001\u307e\u305f40\u5e74\u5185\u306e\u8cc7\u91d1\u67af\u6e07\u306e\u53ef\u80fd\u6027\u3082\u30bc\u30ed\u3067\u3057\u305f\u3002<\/p>\n

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