{"id":4728,"date":"2019-06-04T09:20:20","date_gmt":"2019-06-04T17:20:20","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4728"},"modified":"2022-09-15T15:58:28","modified_gmt":"2022-09-15T23:58:28","slug":"taxaable_account","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/taxaable_account\/","title":{"rendered":"\u8ab2\u7a0e\u53e3\u5ea7\u3067\u306e\u6295\u8cc7\u3001\u3067\u304d\u308b\u3060\u3051\u7a0e\u91d1\u304c\u304b\u304b\u3089\u306b\u3088\u3046\u306b\u3059\u308b\u306b\u306f\uff1f"},"content":{"rendered":"<p>401(k)\u3084IRA\u3067\u306f\u306a\u3044\u3075\u3064\u3046\u306b\u958b\u304f\u6295\u8cc7\u53e3\u5ea7\u306f\u3001\u7a0e\u512a\u9047\u304c\u3042\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u5e74\u3005\u5229\u56de\u308a\u304c\u8ab2\u7a0e\u3055\u308c\u307e\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u8ab2\u7a0e\u53e3\u5ea7\u3067\u306f\u3001\u3044\u3063\u305f\u3044\u3069\u3093\u306a\u6295\u8cc7\u3092\u6301\u3066\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u4f55\u304b\u7a0e\u91d1\u9762\u3067\u6709\u5229\u306a\u6295\u8cc7\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u4eca\u65e5\u306f\u305d\u3053\u3089\u3078\u3093\u3092\u63a2\u3063\u3066\u307f\u307e\u3059\u3002<\/p>\n<h2>\u8ab2\u7a0e\u53e3\u5ea7\u3092\u4f7f\u3046\u5834\u5408<\/h2>\n<p>\u8ab2\u7a0e\u53e3\u5ea7\u3092\u4f7f\u3046\u7406\u7531\u306f\u3044\u304f\u3064\u304b\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u7a0e\u512a\u9047\u306e\u3042\u308b\u53e3\u5ea7\u306b\u306f\u3059\u3067\u306b\u4e0a\u9650\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u304c\u3001\u305d\u308c\u4ee5\u4e0a\u306b\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u305f\u3044\u3068\u3044\u3046\u5834\u5408<\/li>\n<li>\u5f15\u304d\u51fa\u3057\u5e74\u9f62\u5236\u9650(59.5\u6b73\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044401(k)\u3084Traditional IRA)\u3084\u5229\u7528\u76ee\u7684\u306e\u5236\u9650\uff08\u5b66\u8cc7\u3060\u3051\u306b\u3057\u304b\u4f7f\u3048\u306a\u3044529\uff09\u3092\u56de\u907f\u3057\u3001\u3044\u3064\u3067\u3082\u81ea\u7531\u306b\u51fa\u305b\u308b\u304a\u91d1\u3068\u3057\u3066\u6301\u3063\u3066\u304a\u304d\u305f\u3044\u5834\u5408<\/li>\n<li>\u76f8\u7d9a\u306a\u3069\u3067\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u53d7\u3051\u53d6\u3063\u305f\u5834\u5408<\/li>\n<\/ul>\n<p>\u306a\u3069\u304c\u3042\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<h2>\u8ab2\u7a0e\u53e3\u5ea7\u306e\u8ab2\u7a0e<\/h2>\n<p>\u8ab2\u7a0e\u53e3\u5ea7\u3067\u6295\u8cc7\u3092\u3059\u308b\u5834\u5408\u3001\u4ee5\u4e0b\u306e\u3075\u305f\u3064\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u306e\u8ab2\u7a0e\u304c\u3042\u308a\u307e\u3059\uff1b<\/p>\n<p>1)\u00a0<span style=\"font-size: 1rem;\">\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u6301\u3061\u7d9a\u3051\u3066\u3044\u308b\u9593\u3001\u305d\u306e\u5e74\u306b\u3001\u30d5\u30a1\u30f3\u30c9\u304c\u53d7\u3051\u53d6\u308a\u518d\u6295\u8cc7\u306b\u56de\u3055\u308c\u305f\u914d\u5f53\u91d1\u3084\u5229\u5b50\u3078\u306e\u6240\u5f97\u7a0e\u8ab2\u7a0e\u3068\u3001\u30d5\u30a1\u30f3\u30c9\u5185\u3067\u306e\u58f2\u308a\u8cb7\u3044\uff08\u500b\u4eba\u3067\u306f\u306a\u304f\u3001\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u304c\u884c\u3063\u305f\u58f2\u308a\u8cb7\u3044\u3067\u3059\uff09\u306b\u3088\u308b\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3078\u306e\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u8ab2\u7a0e\u3002<\/span><\/p>\n<p>2) \u500b\u4eba\u304c\uff08\u30d5\u30a1\u30f3\u30c9\u3067\u306f\u306a\u304f\uff09\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u58f2\u3063\u305f\u306e\u3067\u3001\u500b\u4eba\u304c\u5f97\u305f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306b\u5bfe\u3059\u308b\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u8ab2\u7a0e\u3002<\/p>\n<p>\u3053\u308c\u3089\u306b\u3064\u3044\u3066\u306f\u3001\u30d5\u30a1\u30f3\u30c9\u4f1a\u793e\u304b\u30891099-DIV\u3068\u3044\u3046\u30d5\u30a9\u30fc\u30e0\u306b\u3088\u3063\u3066\u500b\u4eba\u306b\u5831\u544a\u3055\u308c\u3001\u500b\u4eba\u306f\u305d\u308c\u3092\u3082\u3063\u3066\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u3092\u884c\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h2><\/h2>\n<h2>\u58f2\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u56f3\u308b<\/h2>\n<p>\u4e0a\u306e\uff12\uff09\u306b\u3064\u3044\u3066\u306f\u30011\u5e74\u4ee5\u4e0a\u306e\u4fdd\u6709\u306b\u3088\u308b\u9577\u671f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3068\u30011\u5e74\u4ee5\u4e0b\u306e\u4fdd\u6709\u306b\u3088\u308b\u77ed\u671f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u304c\u3042\u308a\u3001\u524d\u8005\u306e\u307b\u3046\u304c\u6709\u5229\u306a\u7a0e\u7387\u3067\u3059\u3002\u77ed\u671f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306f\u3001\u6240\u5f97\u3068\u540c\u3058\u7a0e\u7387\u3067\u8ab2\u7a0e\u3055\u308c\u307e\u3059\u3002\u9577\u671f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306f\u3001\u4e0b\u8a18\u306e\u3068\u304a\u308a\u6240\u5f97\u306b\u3088\u3063\u3066\uff10\uff05\u304b15\uff05\u304b20%\u306e\u7a0e\u7387\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306e\u7bc0\u7a0e\u306f\u30011\u5e74\u4ee5\u4e0a\u6301\u3063\u3066\u9577\u671f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306b\u3059\u308b\u3053\u3068\u3068\u3001\u6240\u5f97\u306e\u4f4e\u3044\u5e74\u306b\u58f2\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u3067\u304d\u308b\u3060\u3051\u4f4e\u3044\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u7387\u306b\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u7387\u3092\u6c7a\u3081\u308b\u6240\u5f97\u306e\u5e45\u304c\u5927\u5909\u5927\u304d\u3044\u306e\u3067\u3001\u4e0b\u306e\u7a0e\u7387\u30d6\u30e9\u30b1\u30c3\u30c8\u306b\u52d5\u304f\u3053\u3068\u306f\u7c21\u5358\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"601\" height=\"265\" class=\"alignnone wp-image-6276 size-full aligncenter\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/06\/Pasted.png?resize=601%2C265&#038;ssl=1\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/06\/Pasted.png?w=601&amp;ssl=1 601w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/06\/Pasted.png?resize=300%2C132&amp;ssl=1 300w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/p>\n<h2><\/h2>\n<h2>\u6301\u3064\u30d5\u30a1\u30f3\u30c9\u3092\u5de5\u592b\u3059\u308b<\/h2>\n<p>\u4e00\u65b9\u3001\uff11\uff09\u306b\u3064\u3044\u3066\u306f\u3001\u5e74\u3005\u306e\u8ab2\u7a0e\u3068\u306a\u308b\u305f\u3081\u3001\u306a\u308b\u3079\u304f\u7a0e\u91d1\u306e\u304b\u304b\u3089\u306a\u3044\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u3053\u3067\u30ad\u30fc\u3068\u306a\u3063\u3066\u304f\u308b\u306e\u304c\u3001Tax-efficient\uff08\u7a0e\u91d1\u9762\u3067\u52b9\u7387\u304c\u3088\u3044\uff09\u3068\u3001Tax-exempt(\u7a0e\u91d1\u514d\u9664)\u3068\u3044\u3046\u8003\u3048\u65b9\u3067\u3059\u3002<\/p>\n<p>Tax-efficient\/Tax \u2013exempt\u306e\u65b9\u6cd5\u3067\u3001\u3069\u306e\u304f\u3089\u3044\u7a0e\u91d1\u52b9\u7387\u304c\u826f\u3044\u304b\u3001\u7a0e\u91d1\u304c\u514d\u9664\u3055\u308c\u308b\u3068\u3069\u306e\u304f\u3089\u3044\u306e\u5229\u70b9\u304c\u3042\u308b\u304b\u306f\u3001\u5b9f\u306f\u3072\u3068\u305d\u308c\u305e\u308c\u307e\u3061\u307e\u3061\u3067\u3059\u3002\u305d\u306e\u4eba\u306e\u652f\u6255\u3046\u3079\u304d\u7a0e\u7387\u3084\u3001\u6301\u3064\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u306b\u3088\u3063\u3066\u5909\u5316\u3059\u308b\u304b\u3089\u3067\u3059\u3002\u4e00\u822c\u7684\u306b\u53ce\u5165\u304c\u591a\u304f\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\uff08\u6700\u9ad8\u7a0e\u7387\uff09\u304c\u9ad8\u3044\u4eba\u307b\u3069\u3001\u7bc0\u7a0e\u3067\u304d\u308b\u984d\u304c\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u3001$10\u5206\u304c\u7a0e\u91d1\u514d\u9664\u306b\u306a\u308b\u5834\u5408\u306a\u3089\u3070\u3001\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u304c20\uff05\u306e\u4eba\u306f$10&#215;20\uff05\u306e$2\u306e\u7bc0\u7a0e\u3067\u3059\u304c\u3001\u30d6\u30e9\u30b1\u30c3\u30c8\u304c35\uff05\u306e\u4eba\u306f$10\uff5835\uff05\u30673.50\u306e\u7bc0\u7a0e\u306b\u306a\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u7a0e\u7387\u304c\u9ad8\u3044\u4eba\u306e\u65b9\u304c\u3001Tax-efficient\u3042\u308b\u3044\u306fTax-exempt\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u305f\u307b\u3046\u304c\u6709\u5229\u3068\u306a\u308a\u307e\u3059\u3002\u53cd\u5bfe\u306b\u7a0e\u7387\u306e\u4f4e\u3044\u4eba\u306f\u3001\u308f\u3056\u308f\u3056\u3001Tax-efficient\/Tax \u2013exempt\u306b\u3059\u308b\u305f\u3081\u306b\u6301\u3064\u6295\u8cc7\u5185\u5bb9\u306b\u5236\u9650\u306e\u3042\u308b\u30d5\u30a1\u30f3\u30c9\u306b\u3001\u591a\u5c11\u9ad8\u3081\u306b\u306a\u308b\u624b\u6570\u6599\u3092\u652f\u6255\u3063\u3066\u6295\u8cc7\u3057\u3066\u3082\u3001\u305d\u308c\u306b\u898b\u5408\u3046\u7bc0\u7a0e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u5f97\u3089\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3044\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3044\u308d\u3044\u308d\u306a\u30ea\u30b5\u30fc\u30c1\u3092\u7dcf\u5408\u3059\u308b\u3068\u300125\uff05\uff5e30\uff05\u306e\u7bc4\u56f2\u306b\u30d6\u30ec\u30fc\u30af\u30a4\u30fc\u30d6\u30f3\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u3002\u7a0e\u7387\u304c25\uff05\u4ee5\u4e0b\u306e\u4eba\u306fTax-efficient\/Tax-exempt\u306e\u30d5\u30a1\u30f3\u30c9\u3067\u306f\u306a\u304f\u3001\u4f4e\u624b\u6570\u6599\u306e\u9ad8\u5206\u6563\u3055\u308c\u305f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3046\u306e\u304c\u3088\u304f\u300130\uff05\u3092\u8d85\u3048\u308b\u3068\u591a\u5c11\u5206\u6563\u304c\u5c11\u306a\u304f\u306a\u3063\u3066\u624b\u6570\u6599\u304c\u4e0a\u304c\u3063\u305f\u3068\u3057\u3066\u3082Tax-efficient\/Tax-exempt\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u305f\u307b\u3046\u304c\u6709\u5229\u3067\u3042\u308a\u300125\uff05\uff5e30\uff05\u306e\u9593\u306e\u5834\u5408\u306f\u5fae\u5999\u306a\u90e8\u5206\u3067\u3042\u308a\u307e\u3059\u3002\u30d6\u30ec\u30fc\u30af\u30a4\u30fc\u30d6\u30f3\u304c\u306f\u3063\u304d\u308a\u3068\u7d5e\u308c\u306a\u3044\u306e\u306f\u3001\u914d\u5f53\u91d1\u3084\u5229\u5b50\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306e\u51fa\u65b9\u306a\u3069\u3067\u3001\u30d6\u30ec\u30fc\u30af\u30a4\u30fc\u30d6\u30f3\u30dd\u30a4\u30f3\u30c8\u304c\u4e0a\u4e0b\u3059\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<h2>Tax-efficient\u306a\u30d5\u30a1\u30f3\u30c9<\/h2>\n<p>Tax-efficient\u306a\u30d5\u30a1\u30f3\u30c9\u3068\u3057\u3066\u306f\u3001Vanguard\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308bTaxed-managed fund\u3068\u3044\u3046\u306e\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><strong>Vanguard Tax-Managed Capital Appreciation Fund\u00a0(<a target=\"_blank\" href=\"https:\/\/personal.vanguard.com\/us\/funds\/snapshot?FundId=5102&amp;FundIntExt=INT\" >VTCLX<\/a>)<\/strong><\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u306e\u5927\u578b\u30fb\u4e2d\u578b\u682a\u5f0f\u306b\u5e83\u304f\u5206\u6563\u3057\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u6295\u8cc7\u306e\u30b9\u30bf\u30a4\u30eb\u3068\u3068\u3063\u3066\u3044\u307e\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u306b\u3042\u308b\u4f1a\u793e\u306e\u914d\u5f53\u91d1\u306fQualified Divided\u3068\u3057\u3066\u3088\u308a\u4f4e\u3044\u7387\u3067\u8ab2\u7a0e\u3055\u308c\u308b\u306e\u3092\u6700\u5927\u306b\u5229\u7528\u3057\u3001\u5916\u56fd\u682a\u306f\u6392\u9664\u3057\u3066\u3044\u307e\u3059\u3002Expense Ratio\u306f0.09\uff05\u3001\u6700\u4f4e\u6295\u8cc7\u984d\u306f$10,000\u3002\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u9ad8\u3044\u4eba\u5411\u304d\u3067\u3059\u3002<\/p>\n<p><strong>Vanguard Total Stock Market Index (VTSMX)<\/strong><\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u5e02\u5834\u306e\u5c0f\u578b\uff5e\u5927\u578b\u682a\u307e\u3067\u3059\u3079\u3066\u306b\u5206\u6563\u3057\u305f\u6700\u3082\u57fa\u672c\u7684\u306a\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u3001\u3053\u308c\u306ftax-efficient\u3067\u306f\u306a\u3044\u201c\u3075\u3064\u3046\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u201d\u3067\u3059\u3002\u305f\u3060\u3001\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306f\u305d\u3082\u305d\u3082\u5927\u5909tax-efficient\u306b\u3064\u304f\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u983b\u7e41\u306a\u58f2\u308a\u8cb7\u3044\u306f\u3057\u306a\u3044\u306e\u3067\u3001\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u304c\u767a\u751f\u3059\u308b\u3053\u3068\u306f\u6700\u4f4e\u9650\u3060\u304b\u3089\u3067\u3059\u3002\u4e0a\u306e\u30d5\u30a1\u30f3\u30c9\u3068\u540c\u69d8\u3001\u30a2\u30e1\u30ea\u30ab\u682a\u306eQualified Dividend\u306b\u3088\u308a\u7a0e\u7387\u3092\u4e0b\u3052\u306a\u304c\u3089\u3082\u3001\u5c0f\u578b\u682a\u304c\u52a0\u308f\u3063\u3066\u3044\u308b\u5206\u3060\u3051\u3001\u30a8\u30ad\u30b9\u30c8\u30e9\u306e\u30ea\u30bf\u30fc\u30f3\u304c\u671f\u5f85\u3067\u304d\u307e\u3059\u3002401(k)\u306a\u3069\u306e\u6295\u8cc7\u3084\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u3067\u3082\u57fa\u672c\u7684\u30d5\u30a1\u30f3\u30c9\u3068\u3057\u3066\u3088\u304f\u4f7f\u308f\u308c\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u304c\u3001\u8ab2\u7a0e\u53e3\u5ea7\u3067\u3082\u5341\u5206\u8010\u3048\u3046\u308bTax-efficiency\u3092\u5099\u3048\u3066\u3044\u308b\u3068\u3044\u3063\u3066\u3088\u3044\u3067\u3057\u3087\u3046\u3002$3,000\u4ee5\u4e0a\u306e\u6295\u8cc7\u3067Expense Ratio\u306f0.04\uff05\u3002\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u304c30\uff05\u3092\u8d85\u3048\u308b\u306e\u3067\u306a\u3051\u308c\u3070\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h2>Tax-exempt\u306e\u30d5\u30a1\u30f3\u30c9<\/h2>\n<p>Municipal Bond(\u5730\u65b9\u50b5)\u306e\u5229\u5b50\u306f\u9023\u90a6\u7a0e\u304c\u975e\u8ab2\u7a0e\u3067\u3059\u3002\u5dde\u306b\u3088\u3063\u3066\u306f\u5dde\u7a0e\u3082\u975e\u8ab2\u7a0e\u3067\u3059\u3002Tax-exempt\u30d5\u30a1\u30f3\u30c9\u3068\u306f\u3001\u3053\u308c\u3089\u306eMunicipal Bond\u306b\u6295\u8cc7\u3057\u305f\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002<\/p>\n<p><strong>Vanguard Tax-Exempt Bond Index (VTEBX)<\/strong><\/p>\n<p>\u4f4e\u30ea\u30b9\u30af\u306e\u5730\u65b9\u50b5\u306e\u3046\u3061\u77ed\u671f\u50b5\u304b\u3089\u9577\u671f\u50b5\u307e\u3067\u3092\u5e83\u304f\u542b\u3080\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002$3,000\u306e\u6295\u8cc7\u3067Expense Ratio\u306f0.09\uff05\u3067\u3059\u3002.\u9ad8\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306e\u65b9\u3067\u3001\u50b5\u5238\u6295\u8cc7\u3092\u81e8\u3080\u5834\u5408\u306b\u306f\u597d\u307e\u3057\u3044\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002<\/p>\n<h2>\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9<\/h2>\n<p>Tax-efficient\u306e\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3068\u3001Tax-exempt\u306e\u5730\u65b9\u50b5\u30d5\u30a1\u30f3\u30c9\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p><strong>Vanguard Tax-Managed Balanced Fund (VTMFX)<\/strong><\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u306e\u5927\u578b\u30fb\u4e2d\u578b\u682a\u5f0f\uff15\uff10\uff05\u306b\u3001Municipal Bond\uff15\uff10\uff05\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u30d0\u30e9\u30f3\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002Expense ratio\u306f0.09\uff05\u3067\u3059\u3002\u9ad8\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306e\u65b9\u3067\u30011\u672c\u3067\u6295\u8cc7\u304c\u4f4f\u3080\u30d0\u30e9\u30f3\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u304a\u671b\u307f\u306e\u65b9\u306b\u306f\u4fbf\u5229\u306a\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002<\/p>\n<p>\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3057\u305f\u6bd4\u7387\u8abf\u6574\u3092\u3057\u305f\u3044\u65b9\u306f\u3001<\/p>\n<ul>\n<li>Vanguard Tax-Managed Capital Appreciation Fund (VTCLX)\u3068<\/li>\n<li>Vanguard Tax-Exempt Bond Index (VTEBX)<\/li>\n<\/ul>\n<p>\u3092\u3054\u81ea\u5206\u3067\u6df7\u5408\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u5c06\u6765\u7684\u306b\u308230\uff05\u3092\u8d85\u3048\u306a\u3044\u3068\u4e88\u60f3\u3055\u308c\u308b\u5834\u5408\u306f\u3001<\/p>\n<ul>\n<li>Vanguard Total Stock Market Index (VTSMX)\u3068<\/li>\n<li>Vanguard Tax-Exempt Bond Index (VTEBX)<\/li>\n<\/ul>\n<p>\u306e\u30b3\u30f3\u30d3\u30cd\u30fc\u30b7\u30e7\u30f3\u3001<\/p>\n<p>\u3042\u308b\u3044\u306f\u3001\u30d6\u30e9\u30b1\u30c3\u30c8\u304c25\uff05\u4ee5\u4e0b\u306a\u3089<\/p>\n<ul>\n<li>Vanguard Total Stock Market Index (VTSMX)\u3068<\/li>\n<li>Vanguard Total Bond Market Index Fund (VBTLX\u3001Expense 0.05\uff05)<\/li>\n<\/ul>\n<p>\u306e\u30b3\u30f3\u30d3\u30cd\u30fc\u30b7\u30e7\u30f3\u304c\u826f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>401(k)\u3084IRA\u3067\u306f\u306a\u3044\u3075\u3064\u3046\u306b\u958b\u304f\u6295\u8cc7\u53e3\u5ea7\u306f\u3001\u7a0e\u512a\u9047\u304c\u3042\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u5e74\u3005\u5229\u56de\u308a\u304c\u8ab2\u7a0e\u3055\u308c\u307e\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u8ab2\u7a0e\u53e3\u5ea7\u3067\u306f\u3001\u3044\u3063\u305f\u3044\u3069\u3093\u306a\u6295\u8cc7\u3092\u6301\u3066\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u4f55\u304b\u7a0e\u91d1\u9762\u3067\u6709\u5229\u306a\u6295\u8cc7\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u4eca\u65e5\u306f\u305d\u3053\u3089\u3078\u3093\u3092\u63a2\u3063\u3066\u307f\u307e\u3059\u3002 \u8ab2\u7a0e\u53e3\u5ea7\u3092\u4f7f\u3046\u5834\u5408 \u8ab2\u7a0e\u53e3\u5ea7\u3092\u4f7f\u3046\u7406\u7531\u306f\u3044\u304f\u3064\u304b\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002 \u7a0e\u512a\u9047\u306e\u3042\u308b\u53e3\u5ea7\u306b\u306f\u3059\u3067\u306b\u4e0a\u9650\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u304c\u3001\u305d\u308c\u4ee5\u4e0a\u306b\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u305f\u3044\u3068\u3044\u3046\u5834\u5408 \u5f15\u304d\u51fa\u3057\u5e74\u9f62\u5236\u9650(59.5\u6b73\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044401(k)\u3084Traditional IRA)\u3084\u5229\u7528\u76ee\u7684\u306e\u5236\u9650\uff08\u5b66\u8cc7\u3060\u3051\u306b\u3057\u304b\u4f7f\u3048\u306a\u3044529\uff09\u3092\u56de\u907f\u3057\u3001\u3044\u3064\u3067\u3082\u81ea\u7531\u306b\u51fa\u305b\u308b\u304a\u91d1\u3068\u3057\u3066\u6301\u3063\u3066\u304a &hellip;<\/p>\n","protected":false},"author":1,"featured_media":3970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[36,62],"tags":[75,60],"class_list":["post-4728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-tax","tag-investment","tag-60"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-calculator-planning.jpeg?fit=511%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1eg","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4728","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=4728"}],"version-history":[{"count":4,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4728\/revisions"}],"predecessor-version":[{"id":6278,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4728\/revisions\/6278"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3970"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}