{"id":4742,"date":"2019-05-28T13:59:51","date_gmt":"2019-05-28T21:59:51","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4742"},"modified":"2023-08-03T16:42:17","modified_gmt":"2023-08-04T00:42:17","slug":"rmd2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/rmd2\/","title":{"rendered":"RMD\u3092\u77e5\u308b\uff08\uff12\uff09"},"content":{"rendered":"<p>401(k)\u3084Traditional IRA\u306b\u306f\u300170\u6b73\u534a\u306b\u306a\u308b\u3068\uff08<strong>\u8a02\u6b63\uff1aSECURE ACT\u306b\u3066\u958b\u59cb\u6642\u304c\u751f\u5e74\u306b\u3088\u3063\u306672\u6b73\u304b\u308975\u6b73\u307e\u3067\u306e\u9593\u306b\u5909\u66f4<\/strong>\uff09Required Minimum Distribution\uff08RMD)\u3068\u3044\u3046\u5f15\u304d\u51fa\u3057\u5fc5\u8981\u984d\u304c\u5b9a\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002RMD\u306f\u5f15\u304d\u51fa\u3059\u5fc5\u8981\u304c\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u304a\u308a\u3001\u3082\u3057\u3082\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u305fRMD\u3092\u5f15\u304d\u51fa\u3055\u306a\u3044\u3068\u624b\u75db\u3044\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3042\u308a\u307e\u3059\u3002\u8907\u6570\u306e\u53e3\u5ea7\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u7ba1\u7406\u3084\u8a08\u7b97\u3082\u8907\u96d1\u306b\u306a\u308a\u307e\u3059\u300270\u6b73\u534a\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09\u306b\u306a\u308b\u524d\u306bRMD\u306b\u3064\u3044\u3066\u628a\u63e1\u3057\u3066\u304a\u304d\u3001RMD\u306e\u81ea\u52d5\u5f15\u304d\u51fa\u3057\u306a\u3069\u5fc5\u8981\u306a\u624b\u7d9a\u304d\u3092\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u8ce2\u660e\u3067\u3059\u30022\u56de\u306b\u5206\u3051\u3066\u304a\u9001\u308a\u3057\u307e\u3059\u3002<\/p>\n<h2>RMD\u984d\u306e\u63a8\u79fb<\/h2>\n<p>RMD\u306e\u984d\u306f\u3042\u308b\u7a0b\u5ea6\u3001\u6bce\u5e74\u540c\u3058\u3088\u3046\u306a\u30ec\u30d9\u30eb\u306e\u984d\u3092\u4fdd\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u5de5\u592b\u3055\u308c\u3066\u3044\u307e\u3059\u3002RMD\u3092\u8a08\u7b97\u3059\u308b\u305f\u3081\u306eDevisor\uff1d\u6b8b\u5b58\u5e73\u5747\u5bff\u547d\u306f\u3001\u524d\u56de\u306e\u8a18\u4e8b\u306b\u3042\u308b\u30c6\u30fc\u30d6\u30eb\u3092\u3054\u89a7\u3044\u305f\u3060\u304f\u3068\u304a\u5206\u304b\u308a\u306b\u306a\u308b\u3088\u3046\u306b\u3001\u3060\u3093\u3060\u3093\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u5f15\u304d\u51fa\u3059\u984d\u3068\u904b\u7528\u5229\u56de\u308a\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u591a\u304f\u306e\u30b1\u30fc\u30b9\u3067\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u6b8b\u9ad8\u81ea\u4f53\u3082\u3060\u3093\u3060\u3093\u3068\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u304f\u3053\u3068\u304b\u3089\u3001\u5c0f\u3055\u304f\u306a\u3063\u305f\u8cc7\u91d1\u6b8b\u9ad8\u3092\u5c0f\u3055\u304f\u306a\u3063\u305f\u6b8b\u5b58\u5e73\u5747\u5bff\u547d\u3067\u5272\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u3001\u5178\u578b\u7684\u306a\u4f8b\u3067\u306f\u6bce\u5e74\u306eRMD\u306f\u5927\u304d\u304f\u4e0a\u4e0b\u3059\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4e0b\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6642\u3001$750,000\u306e\u6b8b\u9ad8\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4ee5\u964d\u306e\u904b\u7528\u5229\u56de\u308a\u304c\uff13\uff05\u3067\u63a8\u79fb\u3057\u305f\u5834\u5408\u306e\u3001\u6bce\u5e74\u306eRMD\u984d\u3092\u30b0\u30e9\u30d5\u5316\u3057\u3066\u3044\u307e\u3059\u3002$30,000\u7a0b\u5ea6\u304b\u3089$40,000\u7a0b\u5ea6\u306e\u9593\u3067\u53ce\u307e\u3063\u3066\u3044\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/05\/rmdtrend.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4743\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/05\/rmdtrend.png?resize=647%2C379&#038;ssl=1\" alt=\"\" width=\"647\" height=\"379\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/05\/rmdtrend.png?w=647&amp;ssl=1 647w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/05\/rmdtrend.png?resize=300%2C176&amp;ssl=1 300w\" sizes=\"auto, (max-width: 647px) 100vw, 647px\" \/><\/a><\/p>\n<p>RMD\u3068\u805e\u304f\u3068\u3001\u300c\u5f15\u304d\u51fa\u3057\u305f\u304f\u306a\u3044\u306e\u306b\u3001\u5f15\u304d\u51fa\u3055\u306a\u304f\u3066\u306f\u306a\u3089\u305a\u3001\u8ab2\u7a0e\u3055\u308c\u3066\u3057\u307e\u3046\u982d\u306e\u75db\u3044\u3082\u306e\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u30a4\u30e1\u30fc\u30b8\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u8da3\u65e8\u3068\u3057\u3066\u306f\u3001\u300c\u975e\u8ab2\u7a0e\u3067\u8caf\u3081\u3066\u304d\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u3001\u5e73\u5747\u5bff\u547d\u306e\u671f\u9593\u306b\u308f\u305f\u3063\u3066\u3001\u306a\u308b\u3079\u304f\u304a\u3057\u306a\u3079\u3066\u6bce\u5e74\u540c\u3058\u3088\u3046\u306a\u984d\u3092\u5f15\u304d\u51fa\u3057\u7d9a\u3051\u3055\u305b\u308b\u300d\u3068\u3044\u3046\u3053\u3068\u3092\u76ee\u7684\u306b\u3057\u3066\u304a\u308a\u3001\u3042\u308b\u610f\u5473\u3067\u7406\u60f3\u7684\u306a\u5f15\u304d\u51fa\u3057\u65b9\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u5b9f\u969b\u3001RMD\u3092\u30d9\u30fc\u30b9\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3068\u3001\u67af\u6e07\u3092\u9632\u304e\u3064\u3064\u3082\u6bce\u5e74\u306e\u5f15\u304d\u51fa\u3057\u3092\u3057\u3063\u304b\u308a\u78ba\u4fdd\u3059\u308b\u52b9\u7387\u7684\u306a\u5f15\u304d\u51fa\u3057\u304c\u53ef\u80fd\u3067\u3042\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u30ea\u30b5\u30fc\u30c1\u7d50\u679c\u3082\u51fa\u3066\u3044\u307e\u3059\uff08<a href=\"https:\/\/smartandresponsible.com\/blog\/rmd_withdrawal\/\" ><strong>\u30ea\u30e4\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3000\uff0d\u3000RMD\u3067\u8003\u3048\u308b<\/strong><\/a>\uff09\u3002\u53cd\u5bfe\u306b\u8a00\u3048\u3070\u3001RMD\u3088\u308a\u5927\u304d\u304f\u8d85\u3048\u3066\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3068\u67af\u6e07\u306e\u53ef\u80fd\u6027\u3082\u5927\u304d\u304f\u306a\u308b\u3068\u3082\u3044\u3048\u307e\u3059\u3002<\/p>\n<h2>\u8907\u6570\u306eRMD\u5bfe\u8c61\u306e\u53e3\u5ea7\u304c\u3042\u308b\u5834\u5408<\/h2>\n<p>RMD\u304c\u5fc5\u8981\u3068\u306a\u308b\u53e3\u5ea7\u304c\u8907\u6570\u3042\u308b\u5834\u5408\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u53e3\u5ea7\u3067RMD\u3092\u8a08\u7b97\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u53e3\u5ea7\u306e\u7a2e\u985e\u306b\u3088\u3063\u3066\u306f\u3001\u5225\u3005\u306b\u8a08\u7b97\u3057\u305fRMD\u3092\u307e\u3068\u3081\u3066\u4e00\u3064\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3059\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u8907\u6570\u306eTraditional IRA\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u5404IRA\u306b\u3064\u3044\u3066RMD\u3092\u8a08\u7b97\u3057\u3001\u305d\u306eRMD\u7dcf\u984d\u3092\u3072\u3068\u3064\u306eIRA\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u3082\u3088\u3044<\/li>\n<li>\u8907\u6570\u306e403(B)\u53e3\u5ea7\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u5404403(b)\u306b\u3064\u3044\u3066RMD\u3092\u8a08\u7b97\u3057\u3001\u305d\u306eRMD\u7dcf\u984d\u3092\u3072\u3068\u3064\u306e403(b)\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u3082\u3088\u3044<\/li>\n<li>\u3053\u308c\u4ee5\u5916\u306e\u53e3\u5ea7\u306b\u3064\u3044\u3066\u306f\u3001\u5404\u53e3\u5ea7\u306eRMD\u3092\u8a08\u7b97\u3057\u3001\u305d\u306eRMD\u3092\u305d\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3059<\/li>\n<\/ul>\n<p>\u8907\u6570\u306e\u53e3\u5ea7\u304c\u5b58\u5728\u3059\u308b\u5834\u5408\u306f\u591a\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u8001\u5f8c\u306b\u5165\u308b\u524d\u306b\u3001\u307e\u3068\u3081\u3089\u308c\u308b\u53e3\u5ea7\u306f\u307e\u3068\u3081\u3066\u3001\u7ba1\u7406\u3092\u7c21\u5358\u306b\u3057\u3066\u304a\u304f\u3053\u3068\u306f\u8ce2\u660e\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u8a00\u3046\u307e\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u592b\u5a66\u306e\u53e3\u5ea7\u306f\u4e00\u7dd2\u306b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u305a\u3001\u305d\u308c\u305e\u308c\u3067\u8a08\u7b97\u30fb\u7ba1\u7406\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>\u53c2\u8003\u00a0\u00a0\u00a0 <strong><a href=\"https:\/\/smartandresponsible.com\/blog\/one_account\/\" >\u6295\u8cc7\u53e3\u5ea7\u306e\u6574\u7406\u3000\uff0d\u3000\u307e\u3068\u3081\u3066\u7ba1\u7406\u3092\u30e9\u30af\u306b\u3059\u308b\uff01<\/a><\/strong><\/p>\n<h2>RMD\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3068\u8ab2\u7a0e<\/h2>\n<p>\u5f15\u304d\u51fa\u3057\u304cDue\u3068\u306a\u3063\u3066\u3044\u308b\u671f\u65e5\u307e\u3067\u306b\u3001\u6b63\u3057\u3044RMD\u3092\u5f15\u304d\u51fa\u3055\u306a\u304b\u3063\u305f\u5834\u5408\u306f\u3001\u5f15\u304d\u51fa\u3059\u3079\u304d\u3067\u3042\u3063\u305f\u306e\u306b\u5f15\u304d\u51fa\u3055\u308c\u306a\u304b\u3063\u305f\u984d\u306e50\uff05\u304c\u30da\u30ca\u30eb\u30c6\u30a3\u3068\u3057\u3066\u6ca1\u53ce\u3055\u308c\u307e\u3059\u3002\u6570\u3042\u308b\u7a0e\u30da\u30ca\u30eb\u30c6\u30a3\u306e\u3046\u3061\u3067\u3082\u3001\u975e\u5e38\u306b\u9ad8\u984d\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3067\u3059\u3002RMD\u306f\u5fc5\u305a\u5b88\u308b\u3088\u3046\u6c17\u69cb\u3048\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>RMD\u306f\u3001Roth 401(k)\u3092\u9664\u3044\u3066\u3001\u8ab2\u7a0e\u524d\u3067\u306e\u7a4d\u307f\u7acb\u3066\u3067\u3059\u306e\u3067\u3001\u5f15\u51fa\u6642\u306b\u306f\u5f15\u304d\u51fa\u3057\u984d\u304c\u6240\u5f97\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3001\u9023\u90a6\u7a0e\u30fb\u5dde\u7a0e\u306e\u6240\u5f97\u7a0e\u8ab2\u7a0e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u5f15\u304d\u51fa\u3057\u6642\u306b\u3001\u6240\u5f97\u7a0e\u3092\u898b\u7a4d\u3082\u308a\u3001\u6e90\u6cc9\u5fb4\u53ce\u3067\u7d0d\u3081\u3066\u304a\u304f\u3053\u3068\u304c\u8ce2\u660e\u3067\u3059\u3002\u4e0b\u3067\u7d39\u4ecb\u3057\u307e\u3059\u304c\u3001\u81ea\u52d5\u7684\u306b\u884c\u3046\u3088\u3046\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h2>\u5f15\u304d\u51fa\u3057\u305fRMD\u3092\u3069\u3046\u3059\u308b\u304b<\/h2>\n<p>\u3082\u3063\u3068\u3082\u30aa\u30fc\u30bd\u30c9\u30c3\u30af\u30b9\u306a\u30b1\u30fc\u30b9\u3067\u306f\u3001\u5f15\u304d\u51fa\u3057\u305fRMD\u306f\u751f\u6d3b\u8cbb\u3068\u3057\u3066\u4f7f\u3046\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u9280\u884c\u53e3\u5ea7\u306bRMD\u3092\u9001\u91d1\u3057\u3066\u3001\u305d\u3053\u304b\u3089\u9069\u5b9c\u304a\u91d1\u3092\u304a\u308d\u3057\u3066\u4f7f\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002RMD\u3068\u3044\u3046\u3068\u3001\u300c\u5f15\u304d\u51fa\u3057\u3092\u5f37\u8981\u3055\u308c\u308b\u300d\u3068\u3044\u3046\u30a4\u30e1\u30fc\u30b8\u304c\u5f37\u3044\u3067\u3059\u304c\u3001\u591a\u304f\u306e\u30b1\u30fc\u30b9\u3067\u306f\u3001\u5b9f\u969b\u306e\u751f\u6d3b\u8cc7\u91d1\u3092\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306b\u3001RMD\u3088\u308a\u5927\u304d\u306a\u984d\u306e\u5f15\u304d\u51fa\u3057\u304c\u305d\u3082\u305d\u3082\u5fc5\u8981\u3068\u306a\u308b\u306e\u3067\u3001RMD\u306f\u304a\u306e\u305a\u3068\u30af\u30ea\u30a2\u3057\u3066\u3057\u307e\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5e78\u904b\u306b\u3082\u3001\u4ed6\u306b\u751f\u6d3b\u306b\u5145\u3066\u3089\u308c\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u3042\u308a\u3001RMD\u306f\u5f53\u9762\u5fc5\u8981\u306a\u3044\u3068\u3044\u3046\u5834\u5408\u306f\u3001\u5f15\u304d\u51fa\u3057\u305f\u984d\u3092\u307e\u305f\u6295\u8cc7\u306b\u632f\u308a\u623b\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u5fc5\u8981\u306a\u6240\u5f97\u7a0e\u306f\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u6240\u5f97\u7a0e\u306f\u3001\u672c\u5f53\u306a\u3089\u7a4d\u307f\u7acb\u3066\u6642\u306b\u652f\u6255\u3046\u3079\u304d\u3060\u3063\u305f\u6240\u5f97\u7a0e\u3092\u63a7\u9664\u3092\u53d7\u3051\u3001\u305d\u306e\u5f8c\u3082\u904b\u7528\u76ca\u975e\u8ab2\u7a0e\u3067\u5927\u304d\u304f\u5897\u3084\u3057\u3066\u304d\u305f\u3068\u3044\u3046\u7279\u5178\u3092\u5341\u5206\u53d7\u3051\u3066\u306e\u6240\u5f97\u7a0e\u306e\u652f\u6255\u3044\u3067\u3059\u304b\u3089\u3001\u3042\u308b\u610f\u5473\u3067\u559c\u3093\u3067\u6255\u3046\u3079\u304d\u3082\u306e\u3068\u3082\u3044\u3048\u307e\u3059\u3002\u7a4d\u307f\u7acb\u3066\u6642\u306f\u52e4\u52b4\u306e\u30d4\u30fc\u30af\u6642\u3067\u3042\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u6240\u5f97\u7a0e\u3082\u305d\u308c\u306a\u308a\u306b\u9ad8\u7387\u3067\u3042\u308a\u3001\u305d\u306e\u9ad8\u7387\u306e\u7a0e\u91d1\u3092\u514d\u9664\u3055\u308c\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3057\u3064\u3065\u3051\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5f8c\u306e\u6bd4\u8f03\u7684\u7a0e\u7387\u306e\u4f4e\u3044\u6642\u306b\u6240\u5f97\u7a0e\u3092\u7d0d\u3081\u308b\u3053\u3068\u306f\u3001\u6c7a\u3057\u3066\u640d\u306a\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5fc5\u8981\u306a\u7a0e\u91d1\u306f\u3055\u3063\u3055\u3068\u6255\u3044\u3001\u751f\u6d3b\u8cc7\u91d1\u306b\u4f59\u88d5\u304c\u3042\u308b\u306a\u3089\u3001\u307e\u305f\u6295\u8cc7\u306b\u623b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u6295\u8cc7\u3068\u3044\u3063\u3066\u3082\u4eca\u3059\u3050\u306b\u306f\u5fc5\u8981\u306f\u306a\u3044\u304c\u3001\u305d\u306e\u3046\u3061\u5fc5\u8981\u3068\u306a\u308b\u8cc7\u91d1\u306a\u3089\u3001\u30ea\u30b9\u30af\u306f\u4f4e\u304f\u4fdd\u3061\u3001High Yield\u3000Saving\u3084\u3001\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u3067\u306e\u4f4e\u30ea\u30b9\u30af\u904b\u7528\u304c\u57fa\u672c\u3068\u306a\u308a\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u9577\u671f\u7684\u306b\u904b\u7528\u3067\u304d\u308b\u4f59\u88d5\u304c\u3042\u308b\u306a\u3089\u3001\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3082\u6df7\u305c\u305f\u30ea\u30b9\u30af\u904b\u7528\u3082\u53ef\u80fd\u3067\u3059\u3002\u3082\u3057\u3082\u3001\u307e\u3060\u52b4\u50cd\u53ce\u5165\u304c\u3042\u308b\u5834\u5408\u306f\u3001IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002\u65b0\u305f\u306bRoth IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3068\u3044\u3046\u306e\u3082\u3001\u3088\u3044\u9078\u629e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u307e\u305f\u3001\u81ea\u5206\u305f\u3061\u306e\u8001\u5f8c\u3067\u306f\u3069\u3046\u3082\u5fc5\u8981\u306b\u306a\u3089\u306a\u3055\u305d\u3046\u3060\u3068\u3044\u3046\u5834\u5408\u306f\u76f8\u7d9a\u5bfe\u7b56\u3068\u3057\u3066\u3001\u304a\u5b6b\u3055\u3093\u306e529\u306b\u6295\u8cc7\u3057\u305f\u308a\u3001\u304a\u5b50\u3055\u3093\u306eIRA\u306b\u7a4d\u307f\u7acb\u3066\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u76f8\u7d9a\u3092\u5ff5\u982d\u306b\u751f\u547d\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u3082\u8003\u616e\u306b\u5165\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<h2>RMD\u306e\u5f15\u304d\u51fa\u3057\u65b9<\/h2>\n<p>\u8a08\u7b97\u306f\u9762\u5012\u3067\u3059\u3057\u3001\u3061\u3083\u3093\u3068\u5f15\u304d\u51fa\u3055\u306a\u3044\u3068\u9ad8\u984d\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u308bRMD\u3067\u3059\u304c\u3001\u3042\u308a\u304c\u305f\u3044\u3053\u3068\u306b\u3001\u307b\u3068\u3093\u3069\u306e\u91d1\u878d\u6a5f\u95a2\u3067RMD\u306e\u8a08\u7b97\u3068\u5f15\u304d\u51fa\u3057\u306f\u81ea\u52d5\u5316\u3067\u304d\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306b\u3082\u3088\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u6a5f\u80fd\u304c\u81ea\u52d5\u3067\u8a2d\u5b9a\u3067\u304d\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u81ea\u52d5\u3067\u305d\u306e\u5e74\u306eRMD\u3092\u8a08\u7b97\u3059\u308b\u3002<\/li>\n<li>RMD\u3092\u6708\u3054\u3068\u30013\u304b\u6708\u3054\u3068\u3001\u4e00\u5e74\u306b\u4e00\u56de\u306a\u3069\u306e\u6c7a\u3081\u3089\u308c\u305f\u30a4\u30f3\u30bf\u30fc\u30d0\u30eb\u3067\u81ea\u52d5\u5f15\u51fa\u3059\u308b\u3002<\/li>\n<li>\u6295\u8cc7\u3057\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u3069\u3046\u5f15\u304d\u51fa\u3059\u304b\u3092\u6307\u5b9a\u3059\u308b\uff08\u3059\u3079\u3066\u306e\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u540c\u6bd4\u7387\u304b\u3001\u7279\u5b9a\u306e\u30d5\u30a1\u30f3\u30c9\u304b\u3089\u7279\u5b9a\uff05\u3092\u5f15\u304d\u51fa\u3059\u306a\u3069\uff09\u3002<\/li>\n<li>\u5f15\u304d\u51fa\u3057\u305f\u984d\u3092\u3001\u9280\u884c\u53e3\u5ea7\u306a\u3069\u3069\u3053\u306b\u5165\u91d1\u3059\u308b\u304b\u3001\u30c1\u30a7\u30c3\u30af\u3067\u306e\u53d7\u3051\u53d6\u308a\u3092\u5e0c\u671b\u3059\u308b\u304b\u3092\u6307\u5b9a\u3059\u308b\u3002\u6295\u8cc7\u306b\u56de\u3059\u5834\u5408\u306f\u3001\u76f4\u63a5\u6295\u8cc7\u53e3\u5ea7\u306b\u5165\u91d1\u3067\u304d\u308b\u5834\u5408\u3082\u3042\u308a\u3002<\/li>\n<li>\u5f15\u304d\u51fa\u3057\u984d\u306b\u5bfe\u3057\u3066\u3001\u9023\u90a6\u7a0e\u30fb\u5dde\u7a0e\u306e\u6e90\u6cc9\u5fb4\u53ce\u7387\u3092\u6307\u5b9a\u3059\u308b\u3002<\/li>\n<\/ul>\n<p>\u5fc5\u8981\u306aRMD\u306f\u9045\u308c\u306a\u304f\u3057\u3063\u304b\u308a\u5f15\u304d\u51fa\u3057\u3001\u5fc5\u8981\u306a\u7a0e\u91d1\u306f\u304d\u3061\u3093\u3068\u6e90\u6cc9\u5fb4\u53ce\u3059\u308b\u3057\u304f\u307f\u3092\u3001\u304d\u3061\u3093\u3068\u4f5c\u3063\u3066\u304a\u304f\u306e\u304c\u8ce2\u660e\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>401(k)\u3084Traditional 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