{"id":4340,"date":"2018-04-24T09:00:33","date_gmt":"2018-04-24T17:00:33","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4340"},"modified":"2026-05-07T16:51:18","modified_gmt":"2026-05-08T00:51:18","slug":"retirement_case","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirement_case\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u8fce\u3048\u3066\u751f\u6d3b\u8cbb\u3092\u3069\u3046\u3059\u308b\u30fb\u30fb\u30fb\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3"},"content":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f\u9806\u8abf\u306b\u8caf\u307e\u3063\u3066\u3044\u307e\u3059\u304b\uff1f\u9806\u8abf\u306a\u4eba\u3082\u305d\u3046\u3067\u306a\u3044\u4eba\u3082\u3001\u4e00\u751f\u61f8\u547d\u8caf\u3081\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u3001\u3044\u3056\u3069\u3046\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3063\u3066\u3044\u304f\u304b\u3068\u3044\u3046\u306e\u306f\u5927\u304d\u306a\u554f\u984c\u3067\u3059\u3002\u8cc7\u91d1\u304c\u5341\u5206\u3067\u3042\u308c\u3070\u3001\u3042\u308b\u7a0b\u5ea6\u4f59\u88d5\u3092\u3082\u3063\u3066\u5f15\u304d\u51fa\u3059\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u304c\u3001\u5341\u5206\u3067\u306a\u3044\u5834\u5408\u306f\u3001\u5fc5\u8981\u306a\u751f\u6d3b\u8cbb\u3092\u5f15\u304d\u51fa\u3057\u3064\u3064\u3082\u3001\u5c06\u6765\u306a\u308b\u3079\u304f\u9577\u6301\u3061\u3055\u305b\u308b\u305f\u3081\u306b\u5f15\u304d\u51fa\u3057\u3059\u304e\u306a\u3044\u3053\u3068\u3082\u91cd\u8981\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u3042\u308b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30ca\u30fc\u304c\u3001\u300c\u30ea\u30bf\u30a4\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u6c7a\u3057\u3066\u5341\u5206\u3068\u306f\u3044\u3048\u306a\u3044\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u63a7\u3048\u305f\u592b\u5a66\u300d\u306e\u30b1\u30fc\u30b9\u3092\u3064\u304b\u3063\u3066\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3057\u3066\u3044\u308b\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\u3092\u898b\u3064\u3051\u305f\u306e\u3067\u3001\u30b7\u30a7\u30a2\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5178\u578b\u7684\u306a\u30a2\u30e1\u30ea\u30ab\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u8fce\u3048\u308b\u592b\u5a66\u306e\u30b1\u30fc\u30b9\uff08<a target=\"_blank\" href=\"https:\/\/www.federalreserve.gov\/econres\/scfindex.htm\" >Federal Reserve\u306eSurvey<\/a>\u306b\u57fa\u3065\u3044\u3066\uff09\u3092\u4f7f\u3063\u3066\u3044\u307e\u3059\u3002\u8a73\u7d30\u306f\u6b21\u306e\u3068\u304a\u308a\u30fb<\/p>\n<ul>\n<li>65\u6b73\u306e\u592b\u5a66<\/li>\n<li>\u30ea\u30bf\u30a4\u30e4\u524d\u306e\u4e16\u5e2f\u53ce\u5165\u306f$75,000<\/li>\n<li>\u30ea\u30bf\u30a4\u30e4\u5f8c\u306f\u5e74\u9593$60,000\u3067\u751f\u6d3b\u3057\u305f\u3044<\/li>\n<li>65\u6b73\u3067\u53d7\u7d66\u958b\u59cb\u3057\u305f\u5834\u5408\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306f\u592b\u5a66\u5408\u8a08\u3067\u5e74\u9593$28,000\u307b\u3069<\/li>\n<li>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f$200,000<\/li>\n<li>\u8fd4\u6e08\u6e08\u306e\u6301\u3061\u5bb6\u306e\u5e02\u5834\u4fa1\u683c\u304c$200,000<\/li>\n<li>\u4ed6\u306b\u8cc7\u7523\u306a\u3057<\/li>\n<\/ul>\n<h2>\u6240\u898b<\/h2>\n<p>\u307e\u305a\u3001\u3071\u3063\u3068\u898b\u305f\u3060\u3051\u3067\u3001\u5e74\u9593$60,000\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u751f\u6d3b\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u304f\u306e\u306f\u304b\u306a\u308a\u96e3\u3057\u3044\u304b\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u3059\u3067\u306b\u75c5\u6c17\u3092\u62b1\u3048\u3066\u304a\u308a\u5bff\u547d\u304c\u3075\u3064\u3046\u3088\u308a\u77ed\u3044\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u308b\u3068\u3044\u3046\u306e\u3067\u306a\u3044\u9650\u308a\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u30b1\u30fc\u30b9\u3067\u306f\u5bff\u547d\u309295\u6b73\u306b\u8a2d\u5b9a\u3057\u307e\u3059\u304c\u3001\u305d\u3046\u3059\u308b\u306865\u6b73\u4ee5\u964d30\u5e74\u9593\u3092\u652f\u3048\u3066\u3044\u304f\u306b\u306f$200,000\u306e\u8cc7\u91d1\u3067\u306f\u304b\u306a\u308a\u5fc3\u3082\u3068\u306a\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>\u5358\u7d14\u306b\u8a08\u7b97\u3057\u3066\u3001$60,000\u306e\u751f\u6d3b\u8cbb\u304b\u3089\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306e$28,000\u3092\u5f15\u304f\u3068\u3001\u5dee\u984d\u306f$32,000\u3068\u306a\u308a\u3001\u3053\u308c\u3092\u624b\u6301\u3061\u306e$200,000\u304b\u3089\u637b\u51fa\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001$200,000\u00f7$32,000\uff1d6.25\u5e74\u3068\u306a\u308a\u30017\u5e74\u8db3\u3089\u305a\u3067\u8cc7\u91d1\u306f\u67af\u6e07\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3067\u306f\u3001\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u304b\u30fb\u30fb\u30fb\u3067\u3059\u304c\u3001\u3053\u306e\u30ea\u30b5\u30fc\u30c1\u3067\u306f\u3001\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\u7d50\u679c\u3001\u4e0b\u8a18\u306e\u3088\u3046\u306a\u65b9\u7b56\u3092\u6319\u3052\u3066\u3044\u307e\u3059\u3002\u306a\u304a\u3001\u305d\u308c\u305e\u308c\u306e\u7b56\u306e\u6709\u52b9\u5ea6\u306f\u3001\u500b\u3005\u306e\u30b1\u30fc\u30b9\u3067\u7570\u306a\u3063\u3066\u304d\u307e\u3059\u3002\u3069\u306e\u30b1\u30fc\u30b9\u306b\u3082\u540c\u3058\u3088\u3046\u306b\u6709\u52b9\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u3053\u3053\u3067\u306f\u4e00\u822c\u7684\u306a\u8003\u3048\u65b9\u3068\u3057\u3066\u3068\u3089\u3048\u53c2\u8003\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e00\u756a\u6700\u521d\u306b\u7b56\u3068\u3057\u3066\u6319\u304c\u3063\u3066\u3044\u308b\u306e\u304c\u30fb\u30fb\u30fb<\/p>\n<h2>\u682a\u5f0f\u306b\u6295\u8cc7<\/h2>\n<p>\u6570\u5341\u5e74\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u3092$200,000\u306e\u8cc7\u91d1\u3067\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u5c11\u306a\u3044\u8cc7\u91d1\u3092\u6709\u52b9\u306b\u904b\u7528\u3059\u308b\u3057\u304b\u3042\u308a\u307e\u305b\u3093\u3002\u901a\u5e38\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3059\u308b\u307e\u3067\u306e\u9593\u306b\u682a\u5f0f\u6bd4\u7387\u3092\u4e0a\u3052\u3066\u30a2\u30b0\u30ec\u30c3\u30b7\u30d6\u306b\u5897\u3084\u3057\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306f\u4f4e\u682a\u5f0f\u6bd4\u7387\u306e\u5b89\u5168\u904b\u7528\u3092\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u6559\u79d1\u66f8\u7684\u306a\u3084\u308a\u304b\u305f\u3067\u3059\u304c\u3001\u3053\u3053\u3067\u306f\u305d\u3046\u3082\u3044\u3063\u3066\u3044\u3089\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u3067\u306f10\u5e74\u304f\u3089\u3044\u524d\u307e\u3067\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306f\u682a\u5f0f\u6bd4\u7387\u3092\u30bc\u30ed\uff5e10\uff05\u304f\u3089\u3044\u306b\u4e0b\u3052\u3066\u5b89\u5168\u904b\u7528\u3059\u308b\u3068\u3044\u3046\u8003\u3048\u65b9\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u81ea\u52d5\u8abf\u6574\u3057\u3066\u304f\u308c\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u3067\u3082\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4ee5\u964d\u306f\u682a\u5f0f\u6bd4\u7387\u304c\u30ac\u30af\u30f3\u3068\u4e0b\u304c\u3063\u3066\u3044\u305f\u3082\u306e\u304c\u591a\u304b\u3063\u305f\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u305d\u3053\u307e\u3067\u4f4e\u30ea\u30b9\u30af\u30fb\u4f4e\u30ea\u30bf\u30fc\u30f3\u306b\u3059\u308b\u3068\u3001\u9577\u3044\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u304d\u308c\u306a\u3044\u30b1\u30fc\u30b9\u304c\u305f\u304f\u3055\u3093\u3042\u308b\u3053\u3068\u304c\u5224\u660e\u3057\u305f\u306e\u3067\u3057\u3087\u3046\u3001\u6700\u8fd1\u3067\u306f\u682a\u5f0f\u6bd4\u7387\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u308220\uff5e30\uff05\u3092\u78ba\u4fdd\u3057\u3066\u3044\u308b\u3082\u306e\u3082\u591a\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3082\u3061\u308d\u3093\u5341\u4e8c\u5206\u306b\u8cc7\u91d1\u304c\u8caf\u307e\u3063\u3066\u3044\u308c\u3070\u5b89\u5168\u904b\u7528\u3067\u3082\u554f\u984c\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u8cc7\u91d1\u304c\u5c11\u306a\u3044\u5834\u5408\u306b\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u30ea\u30b9\u30af\u3092\u4e0a\u3052\u3066\u904b\u7528\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u4e0d\u53ef\u6b20\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u30ea\u30b5\u30fc\u30c1\u306e\u30b1\u30fc\u30b9\u3067\u306f\u682a\u5f0f20\uff5e30\uff05\u3067\u3082\u8db3\u308a\u306a\u3044\u3088\u3046\u3067\u3001\u682a\u5f0f50\uff05\uff1a\u50b5\u523850\uff05\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u6848\u3057\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u306e\u30ec\u30d9\u30eb\u3067\u904b\u7528\u3057\u3066\u3082\u3001\u5e74\u9593$60,000\u3000-\u3000$28,000\u3067\u8a08\u7b97\u3055\u308c\u305f\u5dee\u984d$32,000\u3092\u6bce\u5e74\u5f15\u304d\u51fa\u3057\u3066\u3044\u3066\u306f\u3001\u8cc7\u91d1\u65e9\u671f\u67af\u6e07\u306e\u53ef\u80fd\u6027\u306f95\uff05\u3068\u3001\u307b\u307c\u78ba\u5b9f\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u305d\u3053\u3067\u6b21\u306e\u7b56\u304c\u30fb\u30fb\u30fb<\/p>\n<h2>\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306e\u5f15\u304d\u51fa\u3057<\/h2>\n<p>\u5dee\u984d$32,000\u3068\u3044\u3046\u56fa\u5b9a\u984d\u3092\u6bce\u5e74\u5f15\u304d\u51fa\u3059\u306e\u3067\u306f\u306a\u304f\u3001\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3000\uff0d\u3000\u5177\u4f53\u7684\u306b\u306f\u3053\u306e\u30b1\u30fc\u30b9\u3067\u306f3.15\uff05\u3000*\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u3042\u308a\u3000\uff0d\u3000\u3092\u63d0\u6848\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u65b9\u5f0f\u3067\u306f<\/p>\n<p>\u5e74\u521d\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u6b8b\u9ad8\u3000\uff58\u3000\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3000\uff08\u3053\u306e\u5834\u5408\u306e\u4e00\u5e74\u76ee\u306f$200,000\uff583.15\uff05\uff09<\/p>\n<p>\u3068\u3044\u3046\u3088\u3046\u306b\u8a08\u7b97\u3055\u308c\u3001\u5e02\u5834\u304c\u597d\u8abf\u3067\u6b8b\u9ad8\u306f\u9ad8\u3044\u3068\u304d\u306b\u306f\u591a\u3044\u984d\u3092\u5f15\u304d\u51fa\u3057\u3001\u53cd\u5bfe\u306b\u5e02\u5834\u304c\u4e0d\u8abf\u3067\u6b8b\u9ad8\u304c\u4f4e\u3044\u3068\u304d\u306b\u306f\u5c11\u306a\u3044\u984d\u3092\u5f15\u304d\u51fa\u3059\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5f15\u304d\u51fa\u3057\u984d\u304c\u5909\u52d5\u3059\u308b\u306e\u3067\u3042\u308b\u7a0b\u5ea6\u751f\u6d3b\u306e\u8abf\u6574\u304c\u5fc5\u8981\u3067\u3059\u304c\u3001\u53cd\u9762\u3001\u8cc7\u91d1\u306f\u9577\u304f\u7d9a\u304f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u751f\u6d3b\u8cbb\u3092\u3069\u3046\u3057\u3066\u3082\u8b72\u308c\u306a\u3044\u56fa\u5b9a\u8cbb\u3068\u3042\u308b\u7a0b\u5ea6\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u8abf\u6574\u3067\u304d\u308b\u5909\u52d5\u8cbb\u306b\u5206\u3051\u3066\u304a\u304d\u3001\u751f\u6d3b\u8cbb\u306e\u6574\u7406\u3092\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u308c\u3068\u95a2\u9023\u3057\u3066\u30fb\u30fb\u30fb<\/p>\n<h2>\u751f\u6d3b\u306e\u4f4e\u30b3\u30b9\u30c8\u5316<\/h2>\n<p>\u3053\u306e\u30b1\u30fc\u30b9\u3067\u306f\u3001\u5f15\u304d\u51fa\u3057\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u30923.15\uff05\u3068\u4f4e\u304f\u4fdd\u3063\u3066\u3044\u308b\u305f\u3081\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u5408\u308f\u305b\u305f\u5408\u8a08\u306e\u5e74\u9593\u53ce\u5165\u306f\u30ea\u30bf\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u901a\u7b97\u306e\u5e74\u9593\u5e73\u5747\uff0431,000\u307b\u3069\u3067\u751f\u6d3b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u5e0c\u671b\u3057\u3066\u3044\u305f$60,000\u306b\u306f\u306f\u308b\u304b\u306b\u53ca\u3073\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u3053\u306e\u592b\u5a66\u306e\u5834\u5408\u3001\u6301\u3061\u5bb6\u304c\u8fd4\u6e08\u6e08\u307f\u3067\u3059\u306e\u3067\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u3084\u30ec\u30f3\u30c8\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u4f4f\u5c45\u306b\u304b\u304b\u308b\u8cbb\u7528\u306f\u30d7\u30ed\u30d1\u30c6\u30a3\u7a0e\u3068\u4fdd\u967a\u306a\u3069\u3067\u3059\u304c\u3001\u3053\u308c\u306b\u98df\u8cbb\u3084\u30e6\u30fc\u30c6\u30a3\u30ea\u30c6\u30a3\u306a\u3069\u306e\u8cbb\u7528\u3068\u5408\u308f\u305b\u3066$31,000\uff08\u6708$2,600\uff09\u306b\u8abf\u7bc0\u3059\u308b\u3053\u3068\u306f\u4e0d\u53ef\u80fd\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30dd\u30a4\u30f3\u30c8\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306b\u5165\u308b\u4ee5\u524d\u304b\u3089\u3001\u3053\u306e\u67a0\u5185\u3067\u751f\u6d3b\u3059\u308b\u3053\u3068\u306b\u6163\u308c\u3066\u304a\u304f\u3001\u6e96\u5099\u3092\u3057\u3066\u304a\u304f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u8001\u5f8c\u306f\uff08\u4fdd\u967a\u306b\u3082\u3088\u308a\u307e\u3059\u304c\uff09\u533b\u7642\u8cbb\u3082\u304b\u3055\u3080\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u3067\u304d\u308b\u3060\u3051\u4f4e\u30b3\u30b9\u30c8\u3067\u751f\u6d3b\u3059\u308b\u3088\u3046\u751f\u6d3b\u3092\u6574\u7406\u3057\u3066\u304a\u304f\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u3053\u306e\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u3001\u682a\u5f0f50%\uff1a\u50b5\u523850\uff05\u306e\u904b\u7528\uff0b\u5e74\u95933.15\uff05\u306e\u5f15\u304d\u51fa\u3057\uff08\u901a\u7b97\u5e73\u5747\u3067\u5e74\u9593$31,000\u3067\u306e\u751f\u6d3b\uff09\u306b\u3057\u3066\u3082\u3001\u307e\u306010%\u306e\u78ba\u7387\u3067\u8cc7\u91d1\u304c\u65e9\u671f\u67af\u6e07\u3059\u308b\u3068\u3046\u7d50\u679c\u3067\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u305d\u3053\u3067\u6b21\u306e\u7b56\u30fb\u30fb\u30fb<\/p>\n<h2>RMD\u3092\u30d9\u30fc\u30b9\u306b\u5f15\u304d\u51fa\u3059<\/h2>\n<p>\u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b83.15\uff05\u306e\u4ee3\u308f\u308a\u306b\u3001RMD(Required Minimum Distribution)\u306e\u30eb\u30fc\u30eb\u306b\u6e96\u3058\u3066\u5f15\u304d\u51fa\u3057\u3066\u307f\u308b\u3068\u3001\u8cc7\u91d1\u65e9\u671f\u67af\u6e07\u304c\u30bc\u30ed\u306b\u306a\u3063\u305f\u3068\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u5f15\u304d\u51fa\u3057\u6cd5\u3068\u3057\u3066\u306eRMD\u306e\u6709\u52b9\u6027\u306b\u3064\u3044\u3066\u306f\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/?p=4309&amp;preview=true\" >\u3053\u3061\u3089\u306e\u8a18\u4e8b\u3067\u3082\u3068\u308a\u3042\u3052\u3066\u3044\u307e\u3059<\/a>\u306e\u3067\u3054\u53c2\u8003\u307e\u3067\u3002<\/p>\n<p>RMD\u306e\u5c0e\u5165\u306b\u3088\u308a\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u901a\u7b97\u306e\u5e73\u5747\u5e74\u9593\u5f15\u304d\u51fa\u3057\u984d\u306f\u3001\u4e0a\u306e$31,000\u304b\u3089$33,000\u306b\u5897\u3048\u307e\u3057\u305f\u3002<\/p>\n<p>\u8cc7\u91d1\u67af\u6e07\u3092\u9632\u3050\u305f\u3081\u306b\u3001\u56fa\u5b9a\u984d \u2192 \u56fa\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8 \u2192 RMD\u3000\u3067\u306e\u5f15\u304d\u51fa\u3057\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u3088\u308a\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u5f15\u304d\u51fa\u3057\u984d\u3092\u5909\u5316\u3055\u305b\u3066\u5bfe\u5fdc\u3059\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u305d\u308c\u3067\u3082\u307e\u3060\u8db3\u308a\u306a\u3044\u306a\u3089\u30fb\u30fb\u30fb<\/p>\n<h2>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8<\/h2>\n<p>65\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c$200,000\u3068\u3044\u3046\u306e\u306f\u5c11\u3057\u5fc3\u3082\u3068\u306a\u304f\u3001\u682a\u5f0f\u6295\u8cc7\uff0b\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306a\u5f15\u304d\u51fa\u3057\u984d\u306e\u5bfe\u5fdc\u3092\u5c0e\u5165\u3057\u3066\u3082\u307e\u3060\u8db3\u308a\u306a\u3044\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u306e\u3067\u3001\u3053\u3053\u3067\u983c\u307f\u306e\u7db1\u3068\u306a\u308b\u306e\u304c\u6301\u3061\u5bb6\u3067\u3059\u3002\u3053\u306e\u592b\u5a66\u306f\u5b8c\u6e08\u3057\u3066\u3044\u308b\u6301\u3061\u5bb6\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3053\u308c\u3092\u62c5\u4fdd\u306b\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u3092\u7d44\u307f\u3001\u751f\u6d3b\u8cbb\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u5229\u7528\u306b\u3042\u305f\u3063\u3066\u306f\u3044\u308d\u3044\u308d\u6ce8\u610f\u70b9\u304c\u3042\u308a\u614e\u91cd\u306b\u306a\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u6b63\u3057\u304f\u4f7f\u3048\u3070\u304b\u306a\u308a\u3053\u3053\u308d\u3065\u3088\u3044\u52a9\u3051\u3068\u306a\u308a\u307e\u3059\uff08\u53c2\u8003\uff1a<a href=\"http:\/\/smartandresponsible.com\/blog\/retirement-reversemortgage\/\" 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