{"id":4367,"date":"2018-05-01T10:50:37","date_gmt":"2018-05-01T18:50:37","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4367"},"modified":"2026-05-07T16:51:18","modified_gmt":"2026-05-08T00:51:18","slug":"tdf_robo","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/tdf_robo\/","title":{"rendered":"\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3000\u3068\u3000\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3000\u3069\u3063\u3061\u304c\u52dd\u3061\uff1f"},"content":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u5e74\u53f7\u3092\u6c7a\u3081\u3066\u6295\u8cc7\u3059\u308c\u3070\u3001\u3059\u3067\u306b\u6700\u9069\u306a\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u7d44\u307e\u308c\u3066\u304a\u308a\u3001\u5e74\u3005\u306e\u30ea\u30d0\u30e9\u30f3\u30b9\u3084\u30ea\u30b9\u30af\u8abf\u6574\u3082\u81ea\u52d5\u3057\u3066\u3057\u3066\u304f\u308c\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u3053\u305310\u5e74\u304f\u3089\u3044\u3067\u5927\u5e45\u306b\u5229\u7528\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u30a2\u30f3\u30b1\u30fc\u30c8\u306b\u5fdc\u3048\u3066\u81ea\u5206\u306e\u8981\u4ef6\u3092\u5165\u529b\u3059\u308b\u3068\u3001\u305d\u308c\u306b\u5fdc\u3058\u3066\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u7d44\u307f\u3001\u305d\u306e\u5f8c\u3082\u904b\u7528\u7ba1\u7406\u3092\u3057\u3066\u304f\u308c\u308b\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3082\u4eba\u6c17\u304c\u3067\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3068\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3001\u305d\u306e\u6a5f\u80fd\u306e\u591a\u304f\u304c\u30aa\u30fc\u30d0\u30fc\u30e9\u30c3\u30d7\u3057\u307e\u3059\u304c\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u3068\u3057\u3066\u306f\u3069\u3061\u3089\u3092\u9078\u3076\u306e\u304c\u3088\u3044\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u7279\u5fb4<\/h2>\n<ul>\n<li>\u901a\u5e385\u5e74\u5358\u4f4d\u306b\u8a2d\u5b9a\u3055\u308c\u305f\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3092\u9078\u3093\u3067\u6295\u8cc7\u3002<\/li>\n<li>2006\u5e74\u306ePension Protection Act\u304c\u3067\u304d\u3066\u304b\u3089\u3001\u591a\u304f\u306e401(k)\u30d7\u30e9\u30f3\u3067\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u304c\u201c\u30c7\u30d5\u30a9\u30eb\u30c8\u30d5\u30a1\u30f3\u30c9\u201d\u306b\u8a2d\u5b9a\u3055\u308c\u305f\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30d7\u30e9\u30f3\u53c2\u52a0\u8005\u304c\u6562\u3048\u3066\u4ed6\u306e\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3070\u306a\u3044\u9650\u308a\u3001\u53c2\u52a0\u8005\u306e\u5e74\u9f62\u306b\u3088\u308a\u30ea\u30bf\u30a4\u30e4\u5e74\u3092\u5272\u308a\u51fa\u3057\u3001\u305d\u306e\u5e74\u53f7\u306b\u5fdc\u3058\u305f\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u81ea\u52d5\u6295\u8cc7\u3059\u308b\u30b1\u30fc\u30b9\u304c\u5897\u3048\u305f\u3002<\/li>\n<li>\u901a\u5e38\u306f\u3001\u6295\u8cc7\u5404\u793e\u304c\u81ea\u793e\u306e\u4f4e\u624b\u6570\u6599\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3084ETF\u3092\u4f7f\u3044\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u7d44\u3093\u3067\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002\u624b\u6570\u6599\u306f\u3001\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3084ETF\u306eExpense Ratio\u306b\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u624b\u6570\u6599\u3092\u52a0\u3048\u305f\u3082\u306e\u3002Charles Schwab\u306e08%\u3001Vanguard\u306e0.14\uff5e0.15\uff05\u7a0b\u5ea6\u304b\u3089\u9ad8\u3044\u3082\u306e\u306f\uff11\uff05\u3092\u8d85\u3048\u308b\u3082\u306e\u307e\u3067\u3042\u308b\u3002<\/li>\n<li>\u5e74\u9f62\u3054\u3068\u306b\u3042\u3089\u304b\u3058\u3081\u8a2d\u5b9a\u3055\u308c\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u3042\u308a\u3001\u5e74\u9f62\u304c\u4e0a\u304c\u308b\u3054\u3068\u306b\u30ea\u30b9\u30af\u304c\u4e0b\u304c\u308b\u3088\u3046\u306b\u81ea\u52d5\u8abf\u6574\u3002\u81ea\u52d5\u8abf\u6574\u3055\u308c\u3066\u3044\u304f\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u3092Glide Path\u547c\u3076\u3002<\/li>\n<li>Glide Path\u306e\u8a2d\u5b9a\u306e\u3057\u304b\u305f\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u4f1a\u793e\u3067\u7570\u306a\u308b\u3002\u540c\u30582050\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u3082\u3001\u682a\u5f0f\uff1a\u50b5\u5238\u306e\u6bd4\u7387\u304c\u7570\u306a\u3063\u305f\u308a\u3001US\u56fd\u5185\u682a\uff1aUS\u4ee5\u5916\u306e\u56fd\u969b\u682a\u306e\u6bd4\u7387\u304c\u7570\u306a\u3063\u305f\u308a\u3059\u308b\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u7279\u5fb4<\/h2>\n<ul>\n<li>\u500b\u4eba\u304c\u30a2\u30f3\u30b1\u30fc\u30c8\u306b\u7b54\u3048\u3001\u305d\u306e\u56de\u7b54\u7d50\u679c\u3092\u4f7f\u3044\u3001\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u304c\u6700\u9069\u306a\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u307f\u3001\u305d\u306e\u5f8c\u306e\u30ea\u30d0\u30e9\u30f3\u30b9\u306a\u3069\u306e\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u3082\u884c\u3046\u3002<\/li>\n<li>\u30a2\u30f3\u30b1\u30fc\u30c8\u3067\u8003\u616e\u3055\u308c\u308b\u60c5\u5831\u306f\u3001\u30b4\u30fc\u30eb\u3001\u6295\u8cc7\u671f\u9593\u3001\u8caf\u84c4\u984d\u3001\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306a\u3069\u3002<\/li>\n<li>\u901a\u5e38\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306f\u4f4e\u624b\u6570\u6599\u306eETF\u306a\u3069\u3067\u7d44\u307e\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u304c\u3001\u6295\u8cc7\u4f1a\u793e\u306b\u30bf\u30a4\u30a2\u30c3\u30d7\u3057\u305f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3060\u3068\u3001\u6295\u8cc7\u4f1a\u793e\u306e\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u512a\u5148\u7684\u306b\u4f7f\u3063\u3066\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3053\u3068\u3082\u591a\u304f\u3001\u30bb\u30fc\u30eb\u30b9\u30de\u30f3\u7684\u5b58\u5728\u306b\u306a\u3063\u3066\u3044\u308b\u3082\u306e\u3082\u3042\u308b\u3002<\/li>\n<li>\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u3067\u306e\u5b8c\u5168\u81ea\u52d5\u5316\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u3082\u306e\u304b\u3089\u3001\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u306b\u52a0\u3048\u3001\u4eba\u3068\u3084\u308a\u3068\u308a\u3059\u308b\u3053\u3068\u306e\u3067\u304d\u308b\u30d2\u30e5\u30fc\u30de\u30f3\u30bf\u30c3\u30c1\u3092\u53d6\u308a\u5165\u308c\u3066\u3044\u308b\u3082\u306e\u307e\u3067\u3042\u308b\u3002<\/li>\n<li>\u9867\u5ba2\u304c\u652f\u6255\u3046\u624b\u6570\u6599\u306f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u4e2d\u306e\u5404\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3084ETF\u306eExpense Ratio\u3068\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u6599\u3092\u8db3\u3057\u305f\u3082\u306e\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u6599\u306f\u3001\u7121\u6599\uff08Wise Banyan\uff09\u300115\uff5e0.35\uff05\uff08Betterment\uff09\u304b\u3089\u305d\u308c\u4ee5\u4e0a\u307e\u3067\u3055\u307e\u3056\u307e\u3002<\/li>\n<li>401(k)\u3067\u306f\u9069\u7528\u304c\u5c11\u306a\u3044(Betterment\u304c\u6700\u8fd1\u958b\u59cb)\u3002IRA\u3084Taxable Account\u3067\u306e\u9069\u7528\u304c\u591a\u3044\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>\u3069\u3046\u6bd4\u8f03\u3059\u308b\u306e\u304b<\/h2>\n<p>\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u305b\u3088\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u305b\u3088\u3001\u4e00\u756a\u5927\u5207\u306a\u57fa\u672c\u306f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u4f7f\u308f\u308c\u308b<strong>\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u3084ETF\u304c\u4f4e\u624b\u6570\u6599\u306e\u826f\u8cea\u306e\u3082\u306e\u3067\u3042\u308b\u3053\u3068<\/strong>\u3067\u3059\u3002\u3069\u3093\u306a\u306b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306eGlide Path\u304c\u3059\u3070\u3089\u3057\u304f\u3066\u3082\u3001\u307e\u305f\u3069\u3093\u306a\u306b\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u304c\u3059\u3070\u3089\u3057\u304f\u3066\u3082\u3001\u6700\u7d42\u7684\u306b\u63d0\u6848\u3055\u308c\u308b\u30d5\u30a1\u30f3\u30c9\u304c\u624b\u6570\u6599\u304c\u9ad8\u304b\u3063\u305f\u308a\u3001\u5206\u6563\u6295\u8cc7\u304c\u504f\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308c\u3070\u3001\u672c\u672b\u8ee2\u5012\u306e\u7d50\u679c\u306b\u7d42\u308f\u308a\u307e\u3059\u3002\u3069\u3093\u306a\u306b\u85ac\u5264\u5e2b\u304c\u3059\u3070\u3089\u3057\u304f\u3066\u3082\u3001\u8abf\u5408\u3059\u308b\u5927\u5143\u306e\u85ac\u306e\u8cea\u304c\u60aa\u3051\u308c\u3070\u3001\u306a\u3093\u306b\u3082\u306a\u3089\u306a\u3044\u306e\u3068\u540c\u3058\u3067\u3059\u3002\u904b\u7528\u5b9f\u7e3e\u306e\u3042\u308b\u3001\u4f4e\u624b\u6570\u6599\u306e\u826f\u8cea\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u63d0\u6848\u3057\u3066\u3044\u308b\u3082\u306e\u3092\u9078\u3076\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>401(k)\u3067\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u5834\u5408\u306f\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b1\u793e\u306e\u3082\u306e\u3057\u304b\u9078\u3079\u306a\u3044\u5834\u5408\u3082\u591a\u304f\u3001\u305d\u3046\u3044\u3046\u5834\u5408\u306f\u3001\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u304c\u624b\u6570\u6599\u304c\u9ad8\u3059\u304e\u305a\u3001Glide Path\u3082\u5927\u304d\u306a\u554f\u984c\u304c\u3051\u308c\u3070\u3001\u8ff7\u308f\u305a\u305d\u308c\u3092\u4f7f\u3048\u3070\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u624b\u6570\u6599\u304c\u9ad8\u3059\u304e\u308b\u5834\u5408\u306f\u3001\u624b\u6570\u6599\u306e\u5b89\u3044\u500b\u5225\u30d5\u30a1\u30f3\u30c9\u3067\u81ea\u5206\u3067\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u304b\u3001401(k)\u306e\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u306e\u9650\u5ea6\u984d\u307e\u3067\u306f\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3001\u3042\u3068\u306fIRA\u306a\u3069\u793e\u5916\u306e\u500b\u4eba\u6295\u8cc7\u3092\u3059\u308b\u304b\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>IRA\u3084Taxable Account\u306a\u3089\u3001\u3069\u3053\u306e\u4f1a\u793e\u306e\u3082\u306e\u3092\u4f7f\u3063\u3066\u3082\u3088\u3044\u308f\u3051\u3067\u3059\u304c\u3001\u624b\u6570\u6599\u3092\u30c1\u30a7\u30c3\u30af\u3057\u305f\u3042\u3068\u306f\u3001<strong>Glide Path\u3092\u30c1\u30a7\u30c3\u30af<\/strong>\u3057\u3001\u81ea\u5206\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3067\u30d5\u30a1\u30f3\u30c9\u5e74\u53f7\u3092\u9078\u3093\u3060\u3068\u304d\u3001\u73fe\u5728\u306e\u682a\u5f0f\uff1a\u50b5\u5238\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u307e\u308a\u306b\u5e0c\u671b\u3068\u304b\u3051\u96e2\u308c\u3066\u3044\u306a\u3044\u3053\u3068\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3059\u3002<\/p>\n<p>\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3067\u306e\u30a2\u30ed\u30b1\u30b7\u30e7\u30f3\u3082\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3092\u8d85\u3048\u305f\u3042\u3068\uff08\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\uff09\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3082\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3057\u3087\u3046\u3002<strong>Retirement TO\u578b\u3068Retirement THROUGH\u578b\u3068\u306e2\u7a2e\u985e<\/strong>\u304c\u3042\u308a\u3001\u524d\u8005\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3067\u30ea\u30b9\u30af\u304c\u6700\u5c0f\u306b\u306a\u308a\u3001\u682a\u5f0f\u6bd4\u7387\u304c\u3050\u3093\u3068\u4e0b\u3052\u3089\u308c\u3066\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u306f\u4f4e\u30ea\u30b9\u30af\u904b\u7528\u3057\u307e\u3059\u3002\u5f8c\u8005\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3067\u3082\u30ea\u30b9\u30af\u304c\u6700\u5c0f\u306b\u306a\u3089\u305a\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u3082\u3042\u308b\u7a0b\u5ea6\u306e\u30ea\u30b9\u30af\u3092\u3068\u308a\u3064\u3064\u904b\u7528\u3057\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c7\u5e74\u304b\u308910\u5e74\u304f\u3089\u3044\u3067\u6700\u521d\u30ea\u30b9\u30af\u307e\u3067\u4e0b\u3052\u3066\u3044\u304f\u30bf\u30a4\u30d7\u3067\u3059\u3002\u524d\u8005\u306f\u4f4e\u30ea\u30b9\u30af\u3067\u3059\u304c\u3001\u5229\u56de\u308a\u3082\u4e0b\u304c\u308b\u305f\u3081\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u304c\u9577\u3044\u5834\u5408\u306f\u3001\u6700\u5f8c\u306e\u65b9\u3067\u8cc7\u91d1\u304c\u67af\u6e07\u3059\u308b\u53ef\u80fd\u6027\u3082\u3067\u3066\u304d\u307e\u3059\u3002\u5f8c\u8005\u306f\u9577\u3044\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u671f\u9593\u3067\u3082\u6700\u521d\u306e\u3046\u3061\u306f\u30ea\u30b9\u30af\u3092\u3068\u308a\u3064\u3064\u904b\u7528\u3059\u308b\u306e\u3067\u3001\u8cc7\u91d1\u67af\u6e07\u306e\u53ef\u80fd\u6027\u3092\u4e0b\u3052\u307e\u3059\u304c\u3001\u305f\u3060\u305d\u306e\u5206\u5e02\u5834\u306e\u9a30\u843d\u306e\u5f71\u97ff\u3092\u53d7\u3051\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002\u6700\u8fd1\u3067\u306fRetirement THROUGH\u578b\u304c\u4e3b\u6d41\u306b\u306a\u308a\u3064\u3064\u3042\u308a\u307e\u3059\u304c\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3068\u305d\u308c\u4ee5\u964d\u3067\u3069\u306e\u7a0b\u5ea6\u306e\u30ea\u30b9\u30af\u3092\u3068\u308b\u304b\u306f\u5404\u793e\u3067\u5dee\u7570\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u9078\u3076\u5834\u5408\u306f\u3001\u7279\u5b9a\u306e\u6295\u8cc7\u4f1a\u793e\u306e\u3082\u306e\u306b\u9650\u3063\u3066\uff08\u3042\u308b\u3044\u306f\u4e2d\u5fc3\u306b\uff09\u63d0\u6848\u3059\u308b\u3082\u306e\u3067\u306f\u306a\u304f\u4f4e\u624b\u6570\u6599\u306e\u826f\u8cea\u30d5\u30a1\u30f3\u30c9\u3092\u63d0\u6848\u3059\u308b\u3082\u306e\u3067\u3042\u308b\u3053\u3068\u3068\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u624b\u6570\u6599\u304c\u9ad8\u3059\u304e\u306a\u3044\u3053\u3068\u304c\u30c1\u30a7\u30c3\u30af\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u4e3b\u306a\u6a5f\u80fd\u306f\u3001\uff11\uff09\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u69cb\u7bc9\u3001\uff12\uff09\u30ea\u30d0\u30e9\u30f3\u30b9\u3068\u30ea\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\uff08\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u306b\u8fd1\u3065\u304f\u306b\u3064\u308c\u3066\u3001\u3044\u3064\u3082\u6700\u9069\u306a\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u81ea\u52d5\u8abf\u7bc0\u3001\uff13\uff09\u30bf\u30c3\u30af\u30b9\u30fb\u30ed\u30b9\u30fb\u30cf\u30fc\u30d9\u30b9\u30c6\u30a3\u30f3\u30b0\u306b\u3088\u308b\u7bc0\u7a0e\u52b9\u679c\u3000\u3067\u3059\u304c\u3001\u3053\u306e\u3046\u3061<strong>\uff11\uff09\u3082\uff12\uff09\u3082\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u6a5f\u80fd<\/strong>\u3067\u3059\u3002\u552f\u4e00\u306e\u9055\u3044\u306f\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u307b\u3046\u304c\u3001\u500b\u4eba\u306e\u6240\u5f97\u3001\u8caf\u84c4\u984d\u3001\u30b4\u30fc\u30eb\u3001\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306a\u3069\u3092\u7d30\u304b\u304f\u8003\u616e\u3057\u3066\u3001\u3088\u308a\u500b\u4eba\u7684\u306b\u30d9\u30b9\u30c8\u306a\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u6848\u3057\u7dad\u6301\u3057\u3066\u304f\u308c\u308b\u3053\u3068\u3067\u3059\u304c\u3001\u3053\u306e\u300c\u500b\u4eba\u7684\u306b\u30d9\u30b9\u30c8\u300d\u3068\u3044\u3046\u306e\u306f\u3001\u3044\u3063\u305f\u3044\u4f55\u3092\u3082\u3063\u3066\u30d9\u30b9\u30c8\u304b\u3068\u3044\u3046\u3068\u3061\u3087\u3063\u3068\u5fae\u5999\u306a\u3068\u3053\u308d\u304b\u306a\u3068\u601d\u3044\u307e\u3059\u3002\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u30bb\u30fc\u30eb\u30b9\u30c8\u30fc\u30af\u306f\u3001\u300c\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306fOne-size-fits -all\u30bf\u30a4\u30d7\u3067\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u304c\u540c\u3058\u4eba\u306a\u3089\u3001\u3060\u308c\u3067\u3082\u540c\u3058\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u306a\u308b\u304c\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306a\u3089\u500b\u4eba\u7684\u306a\u6761\u4ef6\u306b\u3088\u3063\u3066\u3001\u3088\u308a\u304d\u3081\u7d30\u3084\u304b\u306b\u5bfe\u5fdc\u300d\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u304c\u3001\u5b9f\u969b\u3001<strong>\u300c\u3088\u308a\u304d\u3081\u7d30\u3084\u304b\u306a\u5bfe\u5fdc\u300d\u304c\u3069\u306e\u304f\u3089\u3044\u52b9\u679c\u304c\u3042\u308b\u3082\u306e\u306a\u306e\u304b\u306f\u3001\u79c1\u500b\u4eba\u7684\u306b\u306f\u7591\u554f<\/strong>\u306b\u601d\u3044\u307e\u3059\u3002\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u6c7a\u3081\u308b\u306b\u3042\u305f\u3063\u3066\u306e\u6700\u3082\u5927\u304d\u306a\u8981\u7d20\u306f\u3001\u6295\u8cc7\u671f\u9593\u3067\u3053\u308c\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3067\u3059\u3002\u6240\u5f97\u306f\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u5de6\u53f3\u3059\u308b\u3068\u3044\u3046\u3088\u308a\u306f\u3001\u3044\u304f\u3089\u7a4d\u307f\u7acb\u3066\u308b\u3079\u304d\u304b\u306e\u91d1\u984d\u306b\u3088\u308a\u304b\u304b\u308f\u308b\u3053\u3068\u3067\u3059\u3057\u3001\u8caf\u91d1\u984d\u306f6\u304b\u6708\u76ee\u5b89\u306e\u975e\u5e38\u6642\u306e\u305f\u3081\u306e\u73fe\u91d1\u3092\u78ba\u4fdd\u3059\u308b\u306e\u304c\u9577\u671f\u6295\u8cc7\u306e\u524d\u63d0\u306a\u306e\u3067\u3001\u305d\u306e\u8caf\u84c4\u984d\u306f\u30af\u30ea\u30a2\u3057\u3066\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3079\u3070\u3001\u308f\u3056\u308f\u3056\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u4f7f\u3046\u5fc5\u8981\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u30b4\u30fc\u30eb\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3068\u307b\u307c\u540c\u7fa9\u3067\u3001\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u306e\u6307\u5b9a\u3057\u3066\u3044\u308b\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u3069\u3046\u3057\u3066\u3082\u7d0d\u5f97\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u306e\u3067\u306a\u3044\u9650\u308a\u3001\u7d44\u307e\u308c\u3066\u3044\u308b\u3082\u306e\u3092\u53d7\u3051\u5165\u308c\u308b\u3068\u3044\u3046\u59ff\u52e2\u3067\u554f\u984c\u304c\u306a\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u79c1\u306f\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u6bce\u5e74\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306e\u624b\u6570\u6599\u3092\u6255\u3046\u4ee3\u308f\u308a\u306b<strong>\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3067\u554f\u984c\u306a\u3044\u5834\u5408\u304c\u307b\u3068\u3093\u3069\u3067\u306f\u306a\u3044\u304b<\/strong>\u3068\u8003\u3048\u307e\u3059\u3002\u3069\u3046\u3057\u3066\u3082\u7d30\u304b\u3044\u70b9\u304c\u6c17\u306b\u306a\u308b\u3068\u3044\u3046\u5834\u5408\u306f\u3001\u6642\u9593\u7d66\u3067\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u4e00\u5ea6\u898b\u3066\u3082\u3089\u3044\u3001\u554f\u984c\u70b9\u3084\u4e0d\u5b89\u3092\u89e3\u6d88\u3057\u3066\u3001\u3042\u3068\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u3059\u308b\u3068\u3044\u3046\u624b\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u306a\u304a\u3001\uff13\uff09\u306e\u30bf\u30c3\u30af\u30b9\u30fb\u30ed\u30b9\u30fb\u30cf\u30fc\u30d9\u30b9\u30c6\u30a3\u30f3\u30b0\u306b\u3088\u308b\u7bc0\u7a0e\u52b9\u679c\u306f\u3001Buy&amp;Hold\u3067\u9577\u671f\u6295\u8cc7\u3059\u308b\u6295\u8cc7\u5bb6\u306b\u306f\u307b\u3068\u3093\u3069\u610f\u5473\u306e\u306a\u3044\u3082\u306e\u3067\u3059\u3002\u305d\u3082\u305d\u3082\u3001IRA\u306a\u3069\u306e\u7a0e\u9045\u5ef6\u306e\u3042\u308b\u53e3\u5ea7\u3067\u306f\u3001\u7bc0\u7a0e\u81ea\u4f53\u3092\u6c17\u306b\u3059\u308b\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u7121\u95a2\u4fc2\u3067\u3059\u3002Taxable Account\u306e\u5834\u5408\u306f\u3001\u5024\u4e0b\u304c\u308a\u3057\u305f\u682a\u5f0f\uff08\u3042\u308b\u3044\u306f\u30d5\u30a1\u30f3\u30c9\uff09\u3092\u58f2\u3063\u3066\u30ad\u30e3\u30d4\u30bf\u30eb\u30ed\u30b9\u3092\u3064\u304f\u308a\u3001\u305d\u308c\u3092\u4ed6\u306e\u5024\u4e0a\u304c\u308a\u3057\u305f\u682a\u5f0f\uff08\u3042\u308b\u3044\u306f\u30d5\u30a1\u30f3\u30c9\uff09\u306e\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3084\u3042\u308b\u3044\u306f\u4ed6\u306e\u53ce\u5165\u306b\u5bfe\u3057\u3066\u76f8\u6bba\u3057\u3001\u8ab2\u7a0e\u5bfe\u8c61\u53ce\u5165\u3092\u6e1b\u3089\u3057\u7bc0\u7a0e\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u58f2\u308a\u3067\u3059\u304c\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u30d9\u30fc\u30b9\u306e\u9577\u671f\u6295\u8cc7\u3067\u306f\u305d\u3082\u305d\u3082\u3053\u306e\u3088\u3046\u306a\u58f2\u308a\u8cb7\u3044\u306f\u63a8\u5968\u3057\u307e\u305b\u3093\u3002<\/p>\n<p>2018\u5e74\u307e\u3067\u306b401(k)\u306e\u7a4d\u7acb\u984d\u306e63\uff05\u304c\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u5f53\u3066\u3089\u308c\u308b\u3068\u3044\u3046\u4e88\u60f3\u304c\u3067\u3066\u3044\u307e\u3059\u304c\u3001401(k)\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u4e3b\u6d41\u304c\u4eca\u5f8c\u3082\u9032\u3093\u3067\u3044\u304f\u3067\u3057\u3087\u3046\u3002401(k)\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u3067\u6e80\u8db3\u3057\u3066\u3044\u308b\u306a\u3089\u3001IRA\u3084Taxable Account\u306e\u6295\u8cc7\u3082\u540c\u3058\u8def\u7dda\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3067\u30fb\u30fb\u3068\u3044\u3046\u306e\u3082\u81ea\u7136\u306a\u30ed\u30b8\u30c3\u30af\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u8907\u96d1\u306b\u306a\u3089\u305a\u3001\u5168\u4f53\u50cf\u3082\u628a\u63e1\u3057\u3084\u3059\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u5b9f\u969b\u3001\u5185\u5bb9\u3068\u624b\u6570\u6599\u3092\u6bd4\u3079\u3066\u307f\u3088\u3046<\/h2>\n<p>\u7279\u5b9a\u306e\u4f1a\u793e\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u58f2\u308b\u3088\u3046\u306a\u300c\u30bb\u30fc\u30eb\u30b9\u30de\u30f3\u7684\u306a\u300d\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3059\u3067\u306b\u8ad6\u5916\u3067\u3059\u304c\u3001\u307e\u3063\u3068\u3046\u306a\u63d0\u6848\u3092\u3057\u305d\u3046\u306a\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306e\u3064\u304f\u308b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u308b\u3068\u3001\u5f80\u3005\u306b\u3057\u3066\u4f4e\u624b\u6570\u6599\u3067\u826f\u8cea\u306aVanguard\u793e\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u5165\u3063\u3066\u3044\u307e\u3059\u3002\u5404\u793e\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u63d0\u6848\u3059\u308bETF\u3092\u4eba\u6c17\u9806\u306b\u4e26\u3079\u308b\u3068\u3001\u30c8\u30c3\u30d7\uff15\u304cVanguard\u306e\u3082\u306e\u3060\u305d\u3046\u3067\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u3001Betterment\u30672060\u5e74\u30ea\u30bf\u30a4\u30e4\u3067Aggressive\u306b\u5897\u3084\u3057\u305f\u3044\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3093\u3067\u307f\u308b\u3068\u4e0b\u8a18\u306e\u3088\u3046\u306a\u3082\u306e\u304c\u63d0\u6848\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n<p><strong>\u00a0Betterment \u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa<\/strong><\/p>\n<p>17.7%\u3000 Vanguard Total Stock Market ETF<\/p>\n<p>17.6% \u3000Vanguard Value ETF<\/p>\n<p>5.6% \u3000 Vanguard Mid-Cap Value ETF<\/p>\n<p>4.9% \u3000 Vanguard Small-Cap Value ETF<\/p>\n<p>41.0% \u3000Vanguard TAX-MA\/FTSE DEVELOPED MKTS<\/p>\n<p>13.3% \u00a0 Vanguard Emerging Markets Stock Index Fd<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e00\u65b9\u3001<strong>Vanguard\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3067\u3044\u304f\u306a\u3089\u3001Target Retirement 2060<\/strong>\u3067\u4e0b\u8a18\u306e\u3068\u304a\u308a\u306e\u5185\u5bb9\u3002<\/p>\n<p>54.2% \u00a0 Vanguard Total Stock Market<\/p>\n<p>35.8%\u00a0\u00a0 Vanguard Total International Stock<\/p>\n<p>7.0% \u00a0\u00a0 Vanguard Total Bond Market<\/p>\n<p>3.0%\u00a0\u00a0\u00a0 Vanguard Total International Bond Market<\/p>\n<p>&nbsp;<\/p>\n<p>\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u306e\u6570\u3082\u6bd4\u7387\u3082\u9055\u3046\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u304c\u3001\u5185\u5bb9\u3092\u898b\u3066\u307f\u308b\u3068\u6848\u5916\u4f3c\u305f\u3088\u3046\u306a\u611f\u3058\u3067\u3059\u3002\u305f\u3060\u3057\u3001Target Retirement 2060\u306f\u50b5\u5238\u304c\uff11\uff10\uff05\u5165\u3063\u3066\u3044\u308b\u306e\u3067\u3001\u305d\u3053\u306f\u9055\u3044\u307e\u3059\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4374\" src=\"http:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment.jpg\" alt=\"\" width=\"770\" height=\"525\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment.jpg 754w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment-300x205.jpg 300w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/p>\n<p>\u3067\u3001\u3053\u306e\u3075\u305f\u3064\u306e\u6295\u8cc7\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u904e\u53bb3\u5e74\uff082015-2018\u5e74\uff09\u6301\u3063\u3066\u3044\u305f\u3068\u3057\u305f\u3089\u3001\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306f\u3069\u3046\u3060\u3063\u305f\u304b\u3068\u3044\u3046\u3068\u3001\u304b\u306a\u308a\u8fd1\u4f3c\u3067\u3059\u3002Portfolio A\uff08\u8d64\uff09\u304cBetterment\u3001Portfolio B(\u9ed2)\u304cVanguard Target Retirement2060\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4373\" src=\"http:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment-performance.png\" alt=\"\" width=\"814\" height=\"339\" srcset=\"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment-performance.png 814w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment-performance-300x125.png 300w, https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/04\/vanguard-vs-betterment-performance-768x320.png 768w\" sizes=\"auto, (max-width: 814px) 100vw, 814px\" \/><\/p>\n<p>\u809d\u5fc3\u306e\u624b\u6570\u6599\u306f\u3068\u3044\u3046\u3068\u3001<\/p>\n<p>Betterment\uff1a\u3000\u30d5\u30a1\u30f3\u30c9\u306eExpense Ratio\u5408\u8a080.07\uff05\uff0bBetterment\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u65990.25\uff05\uff1d<strong>0.32\uff05<\/strong><\/p>\n<p>Vanguard Target Retirement\uff1a\u3000\u30c8\u30fc\u30bf\u30eb\u3067<strong>0.15%<\/strong>\uff08\u500b\u4eba\u3067\u8cb7\u3046\u5834\u5408\u306e\u624b\u6570\u6599\u3002\u3061\u306a\u307f\u306b401(k)\u306a\u30890.09%\uff09<\/p>\n<p>\u3067\u3059\u3002\u5c06\u6765\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306f\u8ab0\u306b\u3082\u6b63\u78ba\u306b\u4e88\u60f3\u304c\u3067\u304d\u306a\u3044\u3067\u3059\u3057\u3001\u3053\u306e\u3042\u305f\u308a\u306f\u3001\u300c\u4f55\u3092\u4fe1\u3058\u308b\u304b\u300d\u3068\u3044\u3046\u4fe1\u6761\u306e\u3088\u3046\u306a\u3082\u306e\u306b\u5c3d\u304d\u307e\u3059\u304c\u3001\u79c1\u500b\u4eba\u7684\u306b\u306f\u3001Vanguard \u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u307b\u3046\u304c\u7c21\u5358\u3067\u5b89\u304f\u3066\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u5e74\u53f7\u3092\u6c7a\u3081\u3066\u6295\u8cc7\u3059\u308c\u3070\u3001\u3059\u3067\u306b\u6700\u9069\u306a\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u7d44\u307e\u308c\u3066\u304a\u308a\u3001\u5e74\u3005\u306e\u30ea\u30d0\u30e9\u30f3\u30b9\u3084\u30ea\u30b9\u30af\u8abf\u6574\u3082\u81ea\u52d5\u3057\u3066\u3057\u3066\u304f\u308c\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u3053\u305310\u5e74\u304f\u3089\u3044\u3067\u5927\u5e45\u306b\u5229\u7528\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u30a2\u30f3\u30b1\u30fc\u30c8\u306b\u5fdc 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