![\"\"](\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/05\/After-tax-401k.png?ssl=1\")
<\/a><\/p>\n\u306a\u304a\u3001\u3075\u3064\u3046\u306e401(K)\u306f\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306fTraditional 401(k)\u3068\u304bPre-tax 401(k)\u306a\u3069\u3068\u3082\u547c\u3070\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u8ffd\u8a18\u3057\u3066\u304a\u304d\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u307e\u305a\u306f401(k)\u304bRoth 401(k)\u3092\u6c7a\u3081\u308b<\/h2>\n
\u3044\u308d\u3044\u308d\u306a\u30d7\u30e9\u30f3\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u306e\u307e\u305a\u7b2c\u4e00\u6b69\u306f\u3001401(k)\u304bRoth 401(k)\u3092\u6c7a\u3081\u308b\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u4e8c\u3064\u306f\u3001\u5408\u308f\u305b\u3066\u5e74\u9593\u7a4d\u307f\u7acb\u3066\u9650\u5ea6\u304c\u3042\u308a\u307e\u3059\u3002\u7d44\u307f\u5408\u308f\u305b\u3066\u9650\u5ea6\u984d\u5185\u3067\u4e21\u65b9\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u304c\u3001\u3042\u307e\u308a\u305d\u306e\u3088\u3046\u306a\u4f7f\u3044\u65b9\u306f\u3057\u307e\u305b\u3093\u3002<\/p>\n
401(k)\u304bRoth 401(k)\u304b\u3092\u6c7a\u3081\u308b\u306e\u306f\u3001Traditional IRA\u304bRoth IRA\u304b\u3092\u6c7a\u3081\u308b\u306e\u3068\u540c\u3058\u30ed\u30b8\u30c3\u30af\u3092\u4f7f\u3044\u307e\u3059\u3002\u73fe\u5728\u7a0e\u91d1\u3092\u6255\u3063\u3066\u3057\u307e\u3063\u3066\u3042\u3068\u3042\u3068\u6255\u308f\u306a\u304f\u3066\u3044\u3044\u306e\u3092\u3068\u308b\u304b\u3001\u73fe\u5728\u6240\u5f97\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u3042\u3068\u3067\u6255\u3046\u307b\u3046\u3092\u3068\u308b\u304b\u306e\u9078\u629e\u306b\u306a\u308a\u307e\u3059\u3002\u73fe\u5728\u3001\u4e2d\uff5e\u9ad8\u30ec\u30d9\u30eb\u306e\u6240\u5f97\u304c\u3042\u308a\u6240\u5f97\u7a0e\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u9ad8\u304f\u3001\u5c06\u6765\u306e\u8001\u5f8c\u306f\u7a0e\u7387\u304c\u4e0b\u304c\u308b\u3060\u308d\u3046\u3068\u60f3\u50cf\u3067\u304d\u308b\u306a\u3089\u3001\u4eca\u63a7\u9664\u3092\u53d7\u3051\u305f\u65b9\u304c\u6709\u5229\u3067401(k)\u3092\u4f7f\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u73fe\u5728\u306f\u6240\u5f97\u7a0e\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u305d\u308c\u307b\u3069\u9ad8\u304f\u306a\u3044\u304c\u3001\u5c06\u6765\u306b\u306f\u30d6\u30e9\u30b1\u30c3\u30c8\u304c\u4e0a\u304c\u308b\u3068\u601d\u308f\u308c\u308b\u306a\u3089Roth 401(k)\u3092\u9078\u3073\u3055\u3063\u3055\u3068\u7a0e\u91d1\u3092\u306f\u3089\u3063\u3066\u3057\u307e\u3063\u3066\u3001\u8001\u5f8c\u306f\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u3057\u304c\u3067\u304d\u308b\u307b\u3046\u304c\u6709\u5229\u3067\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u306f\u3001\u304a\u305d\u3089\u304f401(k)\u306e\u307b\u3046\u306b\u8ecd\u914d\u304c\u4e0a\u304c\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
401(k)\u3067\u3082\u3001Roth 401(k)\u3067\u3082\u3001\u3068\u306b\u304b\u304f\u3053\u306e\u4e8c\u3064\u3092\u307e\u305a\u9650\u5ea6\u306e$19,000\u5185\u3067\u7a4d\u307f\u7acb\u3066\u3001\u3082\u3057\u305d\u308c\u3067\u3082\u4f59\u88d5\u304c\u3042\u308b\u306a\u3089\u3070\u3001After-tax 401(k)\u3092\u8003\u616e\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
<\/p>\n
After-tax 401(k)<\/h2>\n
\u6cd5\u5f8b\u3067\u306f\u3001401(k)\u3001Roth 401(k)\u3001After-tax 401(k)\u3001\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u306e401(k)\u7a4d\u307f\u7acb\u3066\u306e\u3059\u3079\u3066\u306e\u7a4d\u307f\u7acb\u3066\u30c8\u30fc\u30bf\u30eb\u3067\u306e\u9650\u5ea6\u984d\u304c\u5b9a\u307e\u3063\u3066\u304a\u308a\u30012019\u5e74\u306e\u5834\u5408\u306f\u300150\u6b73\u672a\u6e80\u3067$56,000\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001401(k)\u3092\u6700\u5927\u9650\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3001$6,000\u306e\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u3092\u5f97\u305f\u5834\u5408\u306f\u3001$56,000\uff0d$19,000\uff0d$6,000\uff1d$31,000\u307e\u3067\u3092After-tax 401(k)\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
After-tax 401(k)\u306f\u305d\u306e\u540d\u306e\u901a\u308a\u3001\u6240\u5f97\u7a0e\u3092\u7d0d\u3081\u305f\u5f8c\u3067\u306e\u7a4d\u307f\u7acb\u3066\u306b\u306a\u308a\u307e\u3059\u3002\u5c06\u6765\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u306f\u3001\u5143\u672c\u306f\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u305b\u307e\u3059\u304c\u3001\u305f\u3060\u5229\u56de\u308a\u5206\u306f\u8ab2\u7a0e\u3055\u308c\u307e\u3059\u3002\u540c\u3058\u8ab2\u7a0e\u5f8c\u306e\u7a4d\u307f\u7acb\u3066\u3067\u3082\u3001\u3053\u306e\u70b9\u304cRoth\u3000401(k)\u3068\u9055\u3046\u70b9\u3067\u3059\u3002\u3053\u306e\u5229\u56de\u308a\u5206\u306e\u8ab2\u7a0e\u3092\u975e\u8ab2\u7a0e\u306b\u3059\u308b\u305f\u3081\u306b\u3001\u4e0b\u306e\u3088\u3046\u306a\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc<\/h2>\n
After-tax 401(k)\u306b\u7a4d\u307f\u7acb\u3066\u305f\u8cc7\u91d1\u3092Roth \u30d0\u30fc\u30b8\u30e7\u30f3\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b\u3053\u3068\u3067\u3001\u5229\u56de\u308a\u5206\u3078\u306e\u8ab2\u7a0e\u3082\u56de\u907f\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002\u3044\u308d\u3044\u308d\u306a\u30d1\u30bf\u30fc\u30f3\u304c\u3042\u308a\u307e\u3059\uff1b<\/p>\n
1. \u96c7\u7528\u4e3b\u306e\u30d7\u30e9\u30f3\u304c\u8a31\u3057\u3066\u3044\u308c\u3070\u3001After-tax 401(k)\u306b\u7a4d\u307f\u7acb\u3066\u305f\u3082\u306e\u3092\u3001Roth\u3000401(k)\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b<\/strong>\uff1a\u3000\u3000\u3044\u3064\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u304d\u308b\u304b\u3001\u3044\u304f\u3089\u3092\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u304d\u308b\u304b\u306a\u3069\u306e\u6761\u4ef6\u306f\u96c7\u7528\u4e3b\u306b\u3088\u308a\u307e\u3061\u307e\u3061\u3067\u3059\u3002\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u6642\u306e\u5229\u56de\u308a\u90e8\u5206\u306b\u5bfe\u3057\u3066\u306f\u6240\u5f97\u7a0e\u304c\u767a\u751f\u3057\u307e\u3059\u304c\u3001\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u5f8c\u306f\u3001\u5229\u56de\u308a\u3082\u975e\u8ab2\u7a0e\u306b\u306a\u308a\u307e\u3059\u3002\u30e9\u30c3\u30ad\u30fc\u306a\u3053\u3068\u306b\u7a4d\u307f\u7acb\u3066\u3066\u77ed\u671f\u9593\u3067\u30ed\u30fc\u30eb\u3067\u304d\u308c\u3070\u3001\u5229\u56de\u308a\u304c\u6700\u5c0f\u9650\u3067\u6291\u3048\u3089\u308c\u3001\u305d\u306e\u5f8c\u306e\u8ab2\u7a0e\u306f\u5168\u304f\u56de\u907f\u3067\u304d\u307e\u3059\u3002<\/p>\n 2. \u96c7\u7528\u4e3b\u304c\u8a31\u3057\u3066\u3044\u308c\u3070\u3001After-tax 401(k)\u306b\u7a4d\u307f\u7acb\u3066\u305f\u3082\u306e\u3092\u3001Roth IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b<\/strong>\uff1a\u3000\u30b1\u30fc\u30b9\u7684\u306b\u306f\u8a31\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u306f\u307e\u308c\u3067\u3059\u304c\u3001\u3082\u3057\u3082\u8a31\u3055\u308c\u3066\u3044\u308c\u3070\u5916\u90e8\u306eRoth IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b\u3053\u3068\u3067\u3001\u305d\u306e\u5f8c\u306e\u5229\u56de\u308a\u306f\u975e\u8ab2\u7a0e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n \u3082\u3057\u3082\u3075\u3064\u3046\u306e401(k)\u3068After-tax 401(k)\u304c\u6df7\u5728\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001After-tax 401(k)\u3060\u3051\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u306f\u8a31\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002401(k)\u306fTraditional IRA\u3078\u3001After-tax 401(k)\u306e\u5143\u672c\u90e8\u5206\u306fRoth IRA\u3078\u3001After-tax 401(k)\u306e\u5229\u56de\u308a\u90e8\u5206\u306f\u8ab2\u7a0e\u524d\u3067\u3042\u308b\u305f\u3081Traditional IRA\u3078\u3001\u305d\u308c\u305e\u308c\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3057\u307e\u3059\u3002<\/p>\n 3, \u96c7\u7528\u4e3b\u306e\u307b\u3068\u3093\u3069\u304c\u96e2\u8077\u5f8c\u306b\u306f\u3001\u4e0a\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3092\u8a8d\u3081\u3066\u3044\u307e\u3059\u3002\u96e2\u8077\u5f8c\u306b\u3001\u4e0a\u3068\u540c\u3058\u8981\u9818\u3067\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3092\u3057\u307e\u3059\u3002<\/p>\n \u30dd\u30a4\u30f3\u30c8\u3068\u3057\u3066\u306f\u3001After-tax 401(k)\u306f\u3001\u5f15\u51fa\u6642\u306b\u5143\u672c\u90e8\u5206\u306f\u975e\u8ab2\u7a0e\u3067\u964d\u308d\u305b\u308b\u3082\u306e\u306e\u3001\u5229\u56de\u308a\u90e8\u5206\u304c\u8ab2\u7a0e\u3055\u308c\u308b\u306e\u3067\u3001\u3053\u308c\u3092\u5b8c\u5168\u306b\u975e\u8ab2\u7a0e\u306eRoth\u72b6\u614b\u3078\u3068\u5909\u63db\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\uff11\uff09\u306e\u5834\u5408\u306f\u3001\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e401(k)\u306e\u30d7\u30e9\u30f3\u306e\u306a\u304b\u3067After-tax 401(k)\u304b\u3089Roth 401(k)\u3078\u3068\u5909\u63db\uff08In[-plan rollover\u3068\u547c\u3070\u308c\u308b]\u3001\uff12\uff09\u306e\u5834\u5408\u306f\u96e2\u8077\u524d\u306bAfter-tax 401(k)\u3092\u5916\u90e8\u306eRoth IRA\u306b\u5909\u63db\uff08In-service rollover\u3068\u547c\u3070\u308c\u308b\uff09\u3001\uff13\uff09\u306e\u5834\u5408\u306f\u96e2\u8077\u3057\u3066\u304b\u3089After-tax 401(k)\u3092\u5916\u90e8\u306eRoth IRA\u306b\u5909\u63db\u3068\u3044\u3046\u30d1\u30bf\u30fc\u30f3\u3067\u3059\u3002\u3069\u308c\u304c\u53ef\u80fd\u304b\u306f\u3001\u96c7\u7528\u4e3b\u306e\u30d7\u30e9\u30f3\u306e\u6761\u4ef6\u306b\u3088\u308a\u307e\u3059\u3002401(k)\u30d7\u30e9\u30f3\u306e\u8aac\u660e\u6587\u66f8\u306b\u660e\u8a18\u3055\u308c\u3066\u3044\u308b\u306f\u305a\u3067\u3059\u306e\u3067\u3001\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n <\/p>\n Roth IRA\u306f\u3001After-tax 401(k)\u3068\u540c\u3058\u3001\u8ab2\u7a0e\u5f8c\u306e\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u308b\u3082\u306e\u3068\u3044\u3046\u70b9\u3067\u306f\u540c\u3058\u3067\u3059\u304c\u3001Roth IRA\u306f\u5143\u672c\u3082\u5229\u56de\u308a\u3082\u975e\u8ab2\u7a0e\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001After-tax 401(k)\u306f\u5143\u672c\u306f\u975e\u8ab2\u7a0e\u3067\u3059\u304c\u5229\u56de\u308a\u306f\u8ab2\u7a0e\u5bfe\u8c61\u306e\u307e\u307e\u6b8b\u308a\u307e\u3059\uff08\u3053\u308c\u304c\u3001\u4e0a\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3092\u3059\u308b\u52d5\u6a5f\uff09\u3002\u305d\u306e\u610f\u5473\u3067\u306fRoth RIA\u3092\u512a\u5148\u7684\u306b\u7a4d\u307f\u7acb\u3066\u305f\u65b9\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n \u305f\u3060\u3001Roth RIA\u306b\u306f\u53ce\u5165\u9650\u5ea6\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001Married filing jointly\u306e\u5834\u5408\u306f\u3001AGI\u304c$193,000\u304b\u3089\u7a4d\u7acb\u9650\u5ea6\u306e\u5236\u9650\u304c\u59cb\u307e\u308a\u3001$203,000\u3067\u5b8c\u5168\u306b\u7a4d\u307f\u7acb\u3066\u4e0d\u53ef\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u5c64\u306e\u65b9\u306b\u306f\u3001After-tax 401(k)\u304c\u5fc3\u5f37\u3044\u5473\u65b9\u3067\u3059\u3002\u307e\u305f\u7a4d\u7acb\u9650\u5ea6\u304c\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001IRA\u306f\u5e74\u9593$6,000\uff082019\u300150\u6b73\u4ee5\u4e0a\u306f$7,000\uff09\u307e\u3067\u3057\u304b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u305b\u3093\u306e\u3067\u3001\u3053\u308c\u3092\u8d85\u3048\u3066\u7a4d\u307f\u7acb\u3066\u305f\u3044\u65b9\u306fAfter-tax 401(k)\u306b\u983c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059<\/p>\n","protected":false},"excerpt":{"rendered":" \u4e00\u822c\u7684\u306b401(K)\u3068\u3044\u3048\u3070\u3001\u96c7\u7528\u4e3b\u304c\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u63d0\u4f9b\u3057\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u306e\u3067\u304d\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u7a4d\u307f\u7acb\u3066\u30d7\u30e9\u30f3\u3067\u3059\u3002\u3053\u308c\u4ee5\u5916\u306b\u3082Roth 401(k)\u3084\u3001After-tax 401(k)\u3068\u3044\u3046\u3082\u306e\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u9055\u3044\u306f\u4f55\u306a\u306e\u304b\u3001\u3069\u3046\u4f7f\u3044\u5206\u3051\u308c\u3070\u3044\u3044\u306e\u304b\u306b\u3064\u3044\u3066\u8003\u3048\u3066\u307f\u307e\u3059\u3002 \u3044\u308d\u3093\u306a401(k)\u7a4d\u307f\u7acb\u3066 401(k)\u306e\u7a4d\u307f\u7acb\u3066\u306e\u7a2e\u985e\u306f\uff14\u3064\u3042\u308a\u307e\u3059\u3002\u4e0b\u306e\u8868\u306e\u6700\u521d\u306e\u4e09\u3064\u306f\u96c7\u7528\u8005\u304c\u81ea\u5206\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3082\u306e\u3001\u6700\u5f8c\u306e\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u306f\u3001\u96c7\u7528\u8005\u306e\u7a4d\u307f\u7acb\u3066\u306b\u5bfe\u3057\u4e00\u5b9a\u306e\u30eb\u30fc\u30eb\u3067\u96c7\u7528\u4e3b\u304c\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3057\u3066\u304f\u308c\u308b\u3082\u306e\u3067\u3059\u3002 401(k)\u30d7\u30e9\u30f3\u306f\u3001\u96c7\u7528\u4e3b\u306b\u3088\u3063\u3066\u305d\u306e\u63d0\u4f9b\u306e\u5ea6 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IRA\u304bAfter-tax 401(k)\u304b<\/h2>\n