{"id":4649,"date":"2019-04-02T09:26:17","date_gmt":"2019-04-02T17:26:17","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4649"},"modified":"2019-03-20T18:26:48","modified_gmt":"2019-03-21T02:26:48","slug":"401_ira_choice","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/401_ira_choice\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u3000-\u3000401(k)\u3068IRA\u306e\u4f7f\u3044\u5206\u3051"},"content":{"rendered":"

\u8001\u5f8c\u306e\u8cc7\u91d1\u3092\u8caf\u3081\u308b\u4e3b\u306a\u65b9\u6cd5\u306b\u306f\u3001\u96c7\u7528\u4e3b\u306e\u63d0\u4f9b\u3059\u308b401(k)\u3001403(b)\u3001457\u306a\u3069\u306e\u30b0\u30eb\u30fc\u30d7\u30fb\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3057\u7d66\u4e0e\u5929\u5f15\u304d\u3067\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u304f\u65b9\u6cd5\uff08\u3053\u3053\u3067\u306f401(k)\u3068\u7dcf\u79f0\u3057\u307e\u3059\uff09\u3068\u3001Traditional IRA\u3084Roth IRA\u306a\u3069\u306b\u500b\u4eba\u7684\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u304f\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002401(k)\u3082IRA\u3082\u3001\u3069\u3061\u3089\u3082Tax Deferred\uff08\u7a0e\u9045\u5ef6\uff09\u30d7\u30e9\u30f3\u3068\u547c\u3070\u308c\u3001\u5229\u56de\u308a\u3078\u306e\u8ab2\u7a0e\u306f\u8001\u5f8c\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u307e\u3067\u9045\u5ef6\u3055\u308c\u308b\u3068\u3044\u3046\u5927\u304d\u306a\u9b45\u529b\u304c\u3042\u308a\u307e\u3059\u3002\u3067\u306f\u3001\u9055\u3044\u306f\u4f55\u306a\u306e\u3067\u3057\u3087\u3046\u3002 401(k)\u304bIRA\u304b\u3001\u3069\u3046\u4f7f\u3044\u5206\u3051\u308b\u306e\u304c\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002\u305d\u308c\u305e\u308c\u306e\u5f37\u307f\u3068\u5f31\u307f\u3092\u6bd4\u3079\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

401(k)\u306e\u3044\u3044\u3068\u3053\u308d<\/h1>\n

\uff11\uff0e\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\uff08Max Contribution\uff09\u304c\u9ad8\u3044<\/h2>\n

401(k)\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u4e0a\u9650\u984d\u306f$19,000(2019)\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001IRA\u306f$6,000(2019)\u3067\u3059\u300250\u6b73\u4ee5\u4e0a\u3067\u3042\u308c\u3070\u3001401(k)\u3067\u306f\u3055\u3089\u306b$6,000\u8ffd\u52a0\u3067\u7a4d\u307f\u7acb\u3066\u304c\u8a31\u3055\u308c\u307e\u3059\u304c\uff08\u5408\u8a08$25,000\uff09\u3001IRA\u3067\u306f\u8ffd\u52a0\u984d\u306f$1,000(\u5408\u8a08$7,000)\u3067\u3059\u3002IRA\u3060\u3051\u306e\u7a4d\u307f\u7acb\u3066\u3067\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u5341\u5206\u306b\u8caf\u3081\u308b\u3053\u3068\u306f\u56f0\u96e3\u306a\u5834\u5408\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305f\u3060\u3057\u3001\u3054\u592b\u5a66\u30672\u53e3\u5ea7\u958b\u3051\u3070\u3001$6,000\uff58\uff12\uff1d$12,000\u3068\u306a\u308a\u307e\u3059\u3002\u3069\u306e\u7a0b\u5ea6\u306e\u7a4d\u307f\u7acb\u3066\u304c\u5fc5\u8981\u304b\u3001\u3069\u306e\u7a0b\u5ea6\u306e\u7a4d\u307f\u7acb\u3066\u304c\u53ef\u80fd\u304b\u306e\u4e21\u9762\u304b\u3089\u3001\u3069\u3061\u3089\u3092\u4f7f\u3046\u304b\u3001\u4e21\u65b9\u4f7f\u3046\u304b\u306a\u3069\u3092\u8003\u3048\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\uff12\uff0e\u96c7\u7528\u4e3b\u304b\u3089\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u7a4d\u307f\u7acb\u3066\uff08Matching Contribution\uff09<\/h2>\n

401(k)\u3067\u306f\u3001\u96c7\u7528\u4e3b\u304b\u3089\u306e\u30de\u30c3\u30c1\u30f3\u30b0\u7a4d\u307f\u7acb\u3066\u304c\u53d7\u3051\u3089\u308c\u308b\u3053\u3068\u304c\u3057\u3070\u3057\u3070\u3067\u3059\u3002401(k)\u306f\u6cd5\u5f8b\u306e\u7bc4\u56f2\u5185\u3067\u3001\u96c7\u7528\u4e3b\u304c\u904b\u7528\u30eb\u30fc\u30eb\u3092\u6c7a\u3081\u3089\u308c\u308b\u306e\u3067\u3001\u30de\u30c3\u30c1\u30f3\u30b0\u306e\u984d\u3084\u30eb\u30fc\u30eb\u306f\u96c7\u7528\u4e3b\u306b\u3088\u308a\u307e\u3061\u307e\u3061\u3067\u3059\u304c\u3001\u5178\u578b\u4f8b\u3067\u3044\u3046\u3068\u3001\u96c7\u7528\u8005\u304c\u3059\u308b\u7a4d\u307f\u7acb\u3066\u984d\u306e50%\u3092\u3001\u7d66\u4e0e\u306e6%\u3092\u9650\u5ea6\u3068\u3057\u3066\u30de\u30c3\u30c1\u30f3\u30b0\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u304c\u898b\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u5e74\u53ce\u304c$80,000\u306e\u5834\u5408\u3001\u672c\u4eba\u304c\u5e74\u306b$9,600\u4ee5\u4e0a\u7a4d\u307f\u7acb\u3066\u3066\u304a\u308c\u3070$4,800\uff08$80,000\u00d76%\u3000\u304b\u3064\u3000$9,600\u00d750%\uff09\u3092\u3001\u96c7\u7528\u4e3b\u304c\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u307e\u3055\u306b\u30d5\u30ea\u30fc\u30de\u30cd\u30fc\u3001\u3082\u3089\u308f\u306a\u3044\u624b\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9IRA\u3067\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u96c7\u7528\u4e3b\u304b\u3089\u306e\u63f4\u52a9\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\uff13\uff0e\u30ed\u30fc\u30f3\u304c\u53d7\u3051\u3089\u308c\u308b<\/h2>\n

\u96c7\u7528\u4e3b\u306b\u3088\u3063\u3066\u904b\u7528\u30eb\u30fc\u30eb\u306f\u9055\u3044\u307e\u3059\u304c\u3001\u4e00\u822c\u7684\u306b401(k)\u304b\u3089\u306f\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u8a31\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001IRA\u304b\u3089\u306f\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002Roth IRA\u306e\u5143\u91d1\u306f\u3044\u3064\u3067\u3082\u30da\u30ca\u30eb\u30c6\u30a3\u306a\u3057\u306b\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u3042\u304f\u307e\u3067\u8cc7\u91d1\u306e\u5f15\u304d\u4e0b\u308d\u3057\u3067\u3042\u3063\u3066\u30ed\u30fc\u30f3\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4eba\u751f\u3067\u3061\u3087\u3063\u3068\u304a\u91d1\u304c\u3044\u308b\u3068\u3044\u3046\u5c40\u9762\u3067\u3001\u3061\u3087\u3063\u3068\u501f\u308a\u5165\u308c\u3092\u3057\u305f\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u5834\u5408\u306b\u306f\u4fbf\u5229\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u3042\u304f\u307e\u3067\u8a08\u753b\u7684\u306b\u3002\u501f\u308a\u308b\u308f\u3051\u3067\u3059\u304b\u3089\u3001\u3061\u3083\u3093\u3068\u8fd4\u3059\u5fc5\u8981\u3082\u3042\u308a\u307e\u3059\u3002\u57fa\u672c\u7684\u306b\u306f\u30ed\u30fc\u30f3\u306f\u4f7f\u308f\u306a\u3044\u306e\u304c\u30d9\u30b9\u30c8\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\uff14\uff0e\u624b\u6570\u6599\u304c\u514d\u9664\u30fb\u8efd\u6e1b\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308b<\/h2>\n

\u307e\u3063\u305f\u304f\u540c\u3058\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306b401(k)\u3092\u901a\u3057\u3066\u6295\u8cc7\u3057\u305f\u5834\u5408\u3068\u3001IRA\u3092\u901a\u3057\u3066\u6295\u8cc7\u3057\u305f\u5834\u5408\u3001\u624b\u6570\u6599\u304c\u9055\u3046\u3053\u3068\u306f\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u5927\u304d\u306a\u4f1a\u793e\u306e401(k)\u30d7\u30e9\u30f3\u7d4c\u7531\u3067\u8cfc\u5165\u3059\u308c\u3070\u3001\u500b\u4eba\u304cIRA\u306a\u3069\u3092\u901a\u3057\u3066\u6295\u8cc7\u3059\u308b\u5834\u5408\u306b\u5fc5\u8981\u3068\u306a\u308bSales Load\u306a\u3069\u306e\u8ca9\u58f2\u624b\u6570\u6599\u304c\u514d\u9664\u3055\u308c\u3001\u307e\u305f\u30d5\u30a1\u30f3\u30c9\u904b\u55b6\u306e\u624b\u6570\u6599\u3082\u56e3\u4f53\u5272\u5f15\u3067\u6975\u5b89\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3002\u8cfc\u5165\u3059\u308b\u30c1\u30e3\u30cd\u30eb\uff08\u8ab0\u304b\u3089\u8cfc\u5165\u3059\u308b\u304b\uff09\u306b\u3088\u3063\u3066\u3001\u540c\u3058\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3046\u306e\u3067\u3082\u3001\u8ca9\u58f2\u624b\u6570\u6599\u304c\u7570\u306a\u308a\u3001\u3088\u308a\u5927\u53e3\u306e\u4ea4\u6e09\u529b\u306e\u3042\u308b\u56e3\u4f53\u3084\u4f1a\u793e\u3092\u901a\u3057\u3066\u8cfc\u5165\u3057\u305f\u307b\u3046\u304c\u3001\u624b\u6570\u6599\u304c\u5b89\u3044\u3068\u3044\u3046\u308f\u3051\u3067\u3059\u3002\u81ea\u5206\u306e401(k)\u30d7\u30e9\u30f3\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u306e\u9078\u629e\u80a2\u304c\u3042\u308a\u3001\u624b\u6570\u6599\u306f\u3069\u306e\u304f\u3089\u3044\u304b\u3001\u305d\u308c\u306f\u500b\u4eba\u7684\u306b\u6295\u8cc7\u3059\u308b\u5834\u5408\u3088\u308a\u6709\u5229\u306a\u306e\u304b\u3001\u305d\u3046\u3067\u306a\u3044\u306e\u304b\u3092\u628a\u63e1\u3057\u3066\u304a\u304f\u3068\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

IRA\u306e\u3044\u3044\u3068\u3053\u308d<\/h1>\n

\uff11\uff0e\u6295\u8cc7\u5a92\u4f53\u306e\u9078\u629e\u80a2\u304c\u305f\u304f\u3055\u3093\u3042\u308b<\/h2>\n

401(k)\u306f\u6cd5\u5f8b\u306e\u7bc4\u56f2\u5185\u3067\u3001\u96c7\u7528\u4e3b\u304c\u904b\u7528\u30eb\u30fc\u30eb\u3092\u6c7a\u3081\u307e\u3059\u306e\u3067\u3001\u6bd4\u8f03\u7684\u305f\u304f\u3055\u3093\u306e\u6295\u8cc7\u5a92\u4f53\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308c\u3070\u3001\u975e\u5e38\u306b\u9650\u3089\u308c\u305f\u9078\u629e\u80a2\u3057\u304b\u306a\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u3042\u3089\u304b\u3058\u3081\u7528\u610f\u3055\u308c\u305f\u30d5\u30a1\u30f3\u30c9\u306e\u4e2d\u304b\u3089\u6295\u8cc7\u5148\u3092\u6c7a\u3081\u306d\u3070\u306a\u3089\u306a\u3044\u308f\u3051\u3067\u3059\u304c\u3001\u3053\u308c\u306b\u5bfe\u3057\u3001IRA\u3067\u306f\u6bd4\u8f03\u306b\u306a\u3089\u306a\u3044\u307b\u3069\u591a\u7a2e\u591a\u69d8\u306a\u9078\u629e\u80a2\u304b\u3089\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002401(k)\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u9078\u629e\u80a2\u306e\u3046\u3061\u3001\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u3084\u5229\u56de\u308a\u3001\u624b\u6570\u6599\u306a\u3069\u306e\u9762\u306b\u304a\u3044\u3066\u3001\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u5408\u3046\u3082\u306e\u304c\u898b\u3064\u304b\u308c\u3070\u554f\u984c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u5834\u5408\u306f\u3001IRA\u3092\u901a\u3057\u3066\u3082\u3063\u3068\u3074\u3063\u305f\u308a\u306e\u3082\u306e\u3092\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u5fc5\u8981\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\uff12\uff0e\u6295\u8cc7\u306e\u5909\u66f4\uff08\u58f2\u308a\u8cb7\u3044\uff09\u304c\u7c21\u5358<\/h2>\n

\u30d5\u30a1\u30f3\u30c9A\u306f\u3069\u3046\u3082\u601d\u3046\u3088\u3046\u306b\u5229\u56de\u308a\u304c\u306a\u3044\u306e\u3067\u4ed6\u306e\u30d5\u30a1\u30f3\u30c9\u306b\u4e57\u308a\u63db\u3048\u305f\u3044\u3001\u3042\u308b\u3044\u306f\u3061\u3087\u3063\u3068\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u5909\u3048\u305f\u3044\u306a\u3069\u3001\u6295\u8cc7\u306b\u5909\u66f4\u3092\u52a0\u3048\u305f\u3044\u3068\u304d\u3001IRA\u3067\u3042\u308c\u3070\u5927\u304d\u306a\u5236\u9650\u306a\u304f\u3044\u3064\u3067\u3082\u81ea\u7531\u306b\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001401(k)\u306e\u5834\u5408\u306f\u30011\u5e74\u306b\u25cb\u56de\u307e\u3067\u3068\u304b\u30013\u30f6\u6708\u306b1\u56de\u307e\u3067\u306a\u3069\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u30d5\u30a1\u30f3\u30c9\u306e\u58f2\u308a\u8cb7\u3044\u304c\u5236\u9650\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3057\u3001\u3088\u304f\u8a08\u753b\u3055\u308c\u305f\u9577\u671f\u7684\u306a\u6295\u8cc7\u3092\u3057\u3066\u3044\u308b\u306e\u306a\u3089\u3001\u305d\u3082\u305d\u3082\u983b\u7e41\u306b\u58f2\u308a\u8cb7\u3044\u3092\u3059\u308b\u5fc5\u8981\u306f\u306a\u3044\u3067\u3059\u3057\u3001\u3059\u3079\u304d\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u89b3\u70b9\u304b\u3089\u3059\u308b\u3068\u3001401(k)\u3067\u3082\u5341\u5206\u3067\u3042\u308b\u3068\u3082\u3044\u3048\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\uff13\uff0e\u624b\u6570\u6599\u304c\u4f4e\u304f\u6291\u3048\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/h2>\n

\u300c401(k)\u306e\u3044\u3044\u3068\u3053\u308d\u300d\u306e\u9805\u76ee\u306e\u3072\u3068\u3064\u306b\u3001\u300cSales Load\u306a\u3069\u306e\u624b\u6570\u6599\u304c\u514d\u9664\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308b\u300d\u3068\u3044\u3046\u306e\u304c\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u307e\u3063\u305f\u304f\u305d\u306e\u53cd\u5bfe\u306e\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3002\u3068\u304f\u306b\u5c0f\u3055\u306a\u4f1a\u793e\u306e401(k)\u306a\u3069\u3067\u306f\u3001\u5927\u304d\u306a401(k)\u30d7\u30e9\u30f3\u306a\u3069\u306b\u6bd4\u3079\u3066\u3001\u30d7\u30e9\u30f3\u306e\u30a2\u30c9\u30df\u30cb\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u3084\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u624b\u6570\u6599\u306a\u3069\u304c\u975e\u5e38\u306b\u9ad8\u3044\u5834\u5408\u3082\u591a\u304f\u3042\u308b\u3088\u3046\u3067\u3001\u304b\u3048\u3063\u3066IRA\u3092\u901a\u3057\u3066\u624b\u6570\u6599\u306e\u5b89\u3044\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30fb\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u306b\u6295\u8cc7\u3057\u305f\u307b\u3046\u304c\u305a\u3063\u3068\u3044\u3044\u5834\u5408\u306a\u3069\u3082\u3042\u308a\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u307e\u3059\u304c\u3001401(k)\u306f\u96c7\u7528\u4e3b\u306b\u3088\u308a\u6761\u4ef6\u304c\u307e\u3061\u307e\u3061\u3067\u3059\u304b\u3089\u3001\u81ea\u5206\u306e401(k)\u30d7\u30e9\u30f3\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u306e\u9078\u629e\u80a2\u304c\u3042\u308a\u3001\u624b\u6570\u6599\u306f\u3069\u306e\u304f\u3089\u3044\u304b\u3001\u305d\u308c\u306f\u500b\u4eba\u7684\u306b\u6295\u8cc7\u3059\u308b\u5834\u5408\u3088\u308a\u6709\u5229\u306a\u306e\u304b\u3001\u305d\u3046\u3067\u306a\u3044\u306e\u304b\u3092\u3061\u3083\u3093\u3068\u7406\u89e3\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\uff14\uff0e\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\uff08\u76f8\u7d9a\u5bfe\u7b56\uff09\u306b\u6709\u5229\uff08Roth IRA\u306e\u5834\u5408\uff09<\/h2>\n

401(k)\u3084Traditional IRA\u306f70\u6b73\u534a\u3092\u8d85\u3048\u308b\u3068\u6700\u4f4e\u5f15\u304d\u51fa\u3057\u984d(Required Minimum Distribution)\u3092\u5f15\u304d\u51fa\u3055\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u304c\u3042\u308a\u307e\u3059\u304c\uff08401(k)\u306e\u5834\u5408\u306f\u300170\u6b73\u534a\u306b\u306a\u3063\u3066\u3082\u307e\u3060\u52b4\u50cd\u3057\u3066\u304a\u308c\u3070\u3001\u5f15\u304d\u51fa\u3057\u958b\u59cb\u3092\u30ea\u30bf\u30a4\u30e4\u6642\u307e\u3067\u5ef6\u671f\u53ef\uff09\u3001Roth IRA\u306f\u305d\u306e\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u3063\u305f\u304f\u624b\u3092\u4ed8\u3051\u305a\u3001\u305d\u306e\u307e\u307e\u5b50\u3069\u3082\u306b\u304a\u91d1\u3092\u6b8b\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5b50\u3069\u3082\u306f\u3001\u7a0e\u91d1\u3092\u6255\u3046\u3053\u3068\u306a\u304f\u8cc7\u91d1\u3092\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\uff15\uff0e\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u7a0e\u91d1\u3092\u4f4e\u304f\u3067\u304d\u308b\uff08Roth IRA\u306e\u5834\u5408\uff09<\/h2>\n

\u8001\u5f8c\u3001401(k)\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u3084Traditional IRA\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u306f\u3001\u300c\u53ce\u5165\u300d\u3068\u3057\u3066\u6570\u3048\u3089\u308c\u3001\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u306b\u52a0\u3048\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u6240\u5f97\u7a0e\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3068\u3044\u3046\u526f\u4f5c\u7528\u3082\u3042\u308a\u307e\u3059\u3002\u8a00\u3044\u63db\u3048\u308b\u3068\u3001401(k)\u3084Traditional IRA\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u304c\u591a\u3044\u3068\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u5e74\u91d1\u3078\u306e\u8ab2\u7a0e\u304c\u591a\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001Roth IRA\u306e\u5f15\u304d\u51fa\u3057\u984d\u306f\u300c\u53ce\u5165\u300d\u306b\u306f\u6570\u3048\u3089\u308c\u305a\u6240\u5f97\u7a0e\u304c\u304b\u304b\u3089\u306a\u3044\u3046\u3048\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u7a0e\u91d1\u3092\u4f4e\u304f\u6291\u3048\u308b\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002\u8001\u5f8c\u306b\u652f\u6255\u3046\u7a0e\u91d1\u3092\u306a\u308b\u3079\u304f\u6291\u3048\u308b\u305f\u3081\u306b\u306f\u3001401(k)\u3001Traditional IRA\u3001Roth IRA\u3084\u305d\u306e\u4ed6\u306e\u6295\u8cc7\u30d7\u30e9\u30f3\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u3092\u3046\u307e\u304f\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3057\u3001\u5f15\u304d\u51fa\u3057\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u8a08\u308b\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u70b9\u3067\u306f\u3001Roth IRA\u306e\u5229\u7528\u4fa1\u5024\u306f\u9ad8\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u3042\u304f\u307e\u3067\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u5408\u308f\u305b\u3066\u30fb\u30fb\u30fb<\/h1>\n

401(k)\u304bIRA\u304b\u30fb\u30fb\u30fb\u307e\u305a\u57fa\u672c\u30eb\u30fc\u30eb\u3068\u3057\u3066\u306f\u3001401(k)\u306e\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u30f3\u30b0\u306f\u6700\u5927\u9650\u306b\u5229\u7528\u3057\u307e\u3057\u3087\u3046\u3002\u30de\u30c3\u30c1\u30f3\u30b0\u306f\u300c\u30bf\u30c0\u3067\u3082\u3089\u3048\u308b\u304a\u91d1\u300d\u3067\u3059\u304b\u3089\u3001\u3082\u308f\u3089\u306a\u3044\u624b\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6700\u5927\u9650\u3082\u3089\u3048\u308b\u3088\u3046\u306b401(k)\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u307e\u3059\u3002\u305d\u306e\u5f8c\u306e\u4f7f\u3044\u5206\u3051\u306f\u3001\u3042\u304f\u307e\u3067\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u5408\u308f\u305b\u3066\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u904e\u53bb5\u5e74\u4f4d\u306e\u9593\u306b\u3001401(k)\u3067\u63d0\u4f9b\u3055\u308c\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u4f4e\u624b\u6570\u6599\u5316\u306f\u307e\u3059\u307e\u3059\u9032\u307f\u307e\u3057\u305f\u3002\u4ee5\u524d\u306f\u3001\u624b\u6570\u6599\u306e\u9ad8\u3044\u30a2\u30af\u30c6\u30a3\u30d6\u30d5\u30a1\u30f3\u30c9\u304c\u305a\u3089\u308a\u3068\u4e26\u3093\u3067\u3044\u305f\u306e\u304c\u3001Vanguard\u3001Fidelity\u3001Charles, Schwab\u3001TIAA\u306a\u3069\u306e\u4f4e\u624b\u6570\u6599\u4f1a\u793e\u306b\u904b\u55b6\u304c\u5909\u66f4\u306b\u306a\u308a\u3001\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u3082\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30fb\u30d5\u30a1\u30f3\u30c9\u30fb\u30d9\u30fc\u30b9\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30fb\u30c7\u30a4\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\u304c\u5287\u7684\u306b\u5897\u3048\u307e\u3057\u305f\u3002\u4ee5\u524d\u306e\u3088\u3046\u306b\u3044\u308d\u3044\u308d\u306a\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u7d44\u307f\u5408\u308f\u305b\u308b\u5fc5\u8981\u3082\u306a\u304f\u306a\u308a\u3001\u81ea\u5206\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5e74\u306b\u5408\u308f\u305b\u3066\u30bf\u30fc\u30b2\u30c3\u30c8\u30fb\u30c7\u30a4\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\u3092\u4e00\u3064\u9078\u3079\u3070\u7d42\u308f\u308a\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u3082\u5897\u3048\u307e\u3057\u305f\u3002<\/p>\n

\u3054\u81ea\u5206\u306e401(k)\u304c\u3001\u3053\u308c\u3089\u4f4e\u624b\u6570\u6599\u4f1a\u793e\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30fb\u30c7\u30a4\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\u3092\u30e1\u30a4\u30f3\u306b\u63d0\u4f9b\u3057\u3066\u3044\u308c\u3070\u3001\u8ff7\u308f\u305a401(k)\u3092\u512a\u5148\u306b\u4f7f\u308f\u308c\u308c\u3070\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u53cd\u5bfe\u306b\u3001\u3054\u81ea\u5206\u306e401(k)\u304c\u4e0a\u306e\u30b1\u30fc\u30b9\u3067\u306f\u306a\u3044\u5834\u5408\u3001\u306a\u3093\u3068\u304b\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u30fb\u30e9\u30a4\u30f3\u30a2\u30c3\u30d7\u306e\u4e2d\u304b\u3089\u3001\u624b\u6570\u6599\u306e\u5c11\u306a\u3044\u30d5\u30a1\u30f3\u30c9\u3067\u7d0d\u5f97\u306e\u3044\u304f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3080\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001401(k)\u3082\u60aa\u304f\u306a\u3044\u3067\u3059\u304c\u3001\u305d\u308c\u304c\u96e3\u3057\u3044\u6642\u306f\u3001IRA\u53e3\u5ea7\u3092Vanguard\u306b\u958b\u3044\u3066\u30bf\u30fc\u30b2\u30c3\u30c8\u30fb\u30c7\u30a4\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u30fb\u30fb\u3068\u3044\u3046\u306e\u304c\u4e00\u756a\u7c21\u5358\u306a\u8fc2\u56de\u7b56\u3067\u3059\u3002\u305f\u3060\u3057\u3001IRA\u3060\u3051\u306e\u7a4d\u307f\u7acb\u3066\u3067\u306f\u4e0d\u5341\u5206\u305d\u3046\u3060\u30fb\u30fb\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u306a\u3093\u3068\u304b\u5de5\u592b\u3092\u3057\u3066401(k)\u3082\u4f7f\u3063\u3066\u3044\u304f\u5fc5\u8981\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u307e\u305f\u3001\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u3084\u8001\u5f8c\u306e\u7a0e\u91d1\u5bfe\u7b56\u304c\u91cd\u8981\u3060\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001Roth IRA\u3092\u5229\u7528\u3059\u308b\u306e\u304c\u5f97\u7b56\u3067\u3059\u3002\u305f\u3060\u3001\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306f\u6570\u7684\u306b\u306f\u307e\u308c\u3068\u3044\u3048\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u7a4d\u7acb\u984d\u306b\u4f59\u88d5\u306e\u3042\u308b\u4eba\u306f\u3001401(k)\u3082IRA\u3082\u3069\u3061\u3089\u3082\u304a\u4f7f\u3044\u306b\u306a\u308c\u3070\u3044\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u8001\u5f8c\u306e\u8cc7\u91d1\u3092\u8caf\u3081\u308b\u4e3b\u306a\u65b9\u6cd5\u306b\u306f\u3001\u96c7\u7528\u4e3b\u306e\u63d0\u4f9b\u3059\u308b401(k)\u3001403(b)\u3001457\u306a\u3069\u306e\u30b0\u30eb\u30fc\u30d7\u30fb\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3057\u7d66\u4e0e\u5929\u5f15\u304d\u3067\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u304f\u65b9\u6cd5\uff08\u3053\u3053\u3067\u306f401(k)\u3068\u7dcf\u79f0\u3057\u307e\u3059\uff09\u3068\u3001Traditional IRA\u3084Roth IRA\u306a\u3069\u306b\u500b\u4eba\u7684\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u304f\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002401(k)\u3082IRA\u3082\u3001\u3069\u3061\u3089\u3082Tax Deferred\uff08\u7a0e\u9045\u5ef6\uff09\u30d7\u30e9\u30f3\u3068\u547c\u3070\u308c\u3001\u5229\u56de\u308a\u3078\u306e\u8ab2\u7a0e\u306f\u8001\u5f8c\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u307e\u3067\u9045\u5ef6\u3055\u308c\u308b\u3068\u3044\u3046\u5927\u304d\u306a\u9b45\u529b\u304c\u3042\u308a\u307e\u3059\u3002\u3067\u306f\u3001\u9055\u3044\u306f\u4f55\u306a\u306e\u3067\u3057\u3087\u3046\u3002 401(k)\u304bIRA\u304b\u3001\u3069\u3046\u4f7f\u3044\u5206\u3051\u308b\u306e\u304c\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002\u305d\u308c\u305e\u308c\u306e\u5f37\u307f\u3068\u5f31\u307f\u3092\u6bd4\u3079\u3066\u307f\u307e\u3057\u3087\u3046\u3002   401(k)\u306e …<\/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":[1,36,38],"tags":[47,75],"class_list":["post-4649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-investment","category-retirement","tag-retire","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\/p1OwA5-1cZ","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4649","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=4649"}],"version-history":[{"count":4,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4649\/revisions"}],"predecessor-version":[{"id":4653,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4649\/revisions\/4653"}],"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=4649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}