2019\u5e7412\u6708\u306bSECURE ACT\u3068\u3044\u3046\u6cd5\u5f8b\u304c\u5236\u5b9a\u3055\u308c\u307e\u3057\u305f\u3002\u672c\u540d\u306f\u3001Setting Every Community Up for Retirement Enhancement Act\u3068\u3044\u3044\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u50cd\u304f\u3088\u308a\u591a\u304f\u306e\u4eba\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u6e96\u5099\u3092\u7a4d\u6975\u7684\u306b\u9032\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u3001\u8cc7\u91d1\u6e96\u5099\u30d7\u30e9\u30f3\u3092\u4f7f\u3044\u3084\u3059\u304f\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u72d9\u3063\u305f\u6cd5\u5f8b\u3067\u3059\u3002\u3059\u3067\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u4eba\u306b\u3082\u3001\u307e\u3060\u53c2\u52a0\u3067\u304d\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u4eba\u306b\u3082\u3001\u95a2\u4e0e\u3059\u308b\u5909\u66f4\u70b9\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u4e0b\u306b\u6319\u3052\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n\n\n\n
<\/p>\n\n\n\n
<\/p>\n\n\n\n
\u9ad8\u9f62\u5316\u306b\u3068\u3082\u306a\u308a\u3001\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u6642\u671f\u3082\u304f\u308a\u3042\u304c\u308a\u50be\u5411\u3067\u3042\u308b\u3053\u3068\u3092\u8e0f\u307e\u3048\u3001\u4eca\u307e\u306770\u6b73\u534a\u3060\u3063\u305fRMD\uff08\u304a\u91d1\u306e\u5fc5\u8981\u306e\u3042\u308b\u306a\u3057\u306b\u304b\u304b\u308f\u3089\u305a\u3001\u6cd5\u5f8b\u3067\u5b9a\u3081\u3089\u308c\u305f\u6700\u4f4e\u9650\u5ea6\u984d\u3092\u3001\u5f53\u8a72\u5e74\u306b\u5fc5\u305a\u5f15\u304d\u51fa\u3055\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3002Traditional\nIRA\u3084401(k)\u306a\u3069\u304c\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\uff09\u306e\u958b\u59cb\u6642\u671f\u304c72\u6b73\u306b\u4e0a\u304c\u308a\u307e\u3057\u305f\u30022020\u5e74\u306b70\u6b73\u534a\u306b\u306a\u308b\u4eba\u304b\u3089\u3001\u3053\u306e\u65b0\u3057\u3044\u30eb\u30fc\u30eb\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n
2019\u5e74\u306b70\u6b73\u534a\u306b\u306a\u3063\u305f\u4eba\u306f\u53e4\u3044\u30eb\u30fc\u30eb\u304c\u9069\u7528\u3055\u308c\u30012020\u5e74\u306e4\u670815\u65e5\u307e\u3067\u306b2019\u5e74\u5206\u306eRMD\u5f15\u304d\u51fa\u3057\u3092\u884c\u308f\u306a\u3044\u3068\u30da\u30ca\u30eb\u30c6\u30a3\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u308c\u3089\u306e\u65b9\u3078\u306e2020\u5e74\u5206\u306e\u5bfe\u5fdc\u306b\u3064\u3044\u3066\u306f\u3001\u66ab\u5b9a\u5bfe\u5fdc\u7b56\u3082\u3042\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u7a0e\u7406\u58eb\u3055\u3093\u306a\u3069\u5c02\u9580\u5bb6\u306b\u3054\u76f8\u8ac7\u304f\u51fa\u3055\u308b\u3068\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n
<\/p>\n\n\n\n
\u3053\u308c\u307e\u3067Roth IRA\u306b\u3064\u3044\u3066\u306f\u52b4\u50cd\u53ce\u5165\u304c\u3042\u308b\u9650\u308a\uff08\u307e\u305f\u53ce\u5165\u9650\u5ea6\u306a\u3069\u4ed6\u306e\u6761\u4ef6\u306b\u5f15\u3063\u304b\u304b\u3089\u306a\u3044\u9650\u308a\uff09\u5e74\u9f62\u5236\u9650\u306a\u304f\u7a4d\u307f\u7acb\u3066\u53ef\u80fd\u3067\u3057\u305f\u304c\u3001Traditional IRA\u306b\u3064\u3044\u3066\u306f\u52b4\u50cd\u53ce\u5165\u304c\u3042\u308d\u3046\u3068\u308270\u6b73\u534a\u304c\u7a4d\u307f\u7acb\u3066\u53ef\u80fd\u5e74\u9f62\u306e\u4e0a\u9650\u3067\u3057\u305f\u3002\u4eca\u56de\u3053\u306e\u5e74\u9f62\u5236\u9650\u304c\u53d6\u308a\u6255\u308f\u308c\u3001Traditional \u304a\u3088\u3073Roth\u3068\u3082\u306bIRA\u306b\u306f\u52b4\u50cd\u53ce\u5165\u304c\u3042\u308c\u3070\u7a4d\u307f\u7acb\u3066\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
\u65b0\u30eb\u30fc\u30eb\u306f2020\u5e74\u5206\u304b\u3089\u6709\u52b9\u3067\u3059\u3002<\/p>\n\n\n\n
<\/p>\n\n\n\n
\u3053\u308c\u307e\u3067\u306f\u5e74\u95931,000\u6642\u9593\u4ee5\u4e0b\u306e\u30d1\u30fc\u30c8\u52b4\u50cd\u8005\u306f\u3001\u52e4\u3081\u3066\u3044\u308b\u4f1a\u793e\u3067401(k)\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u305f\u3068\u3057\u3066\u3082\u3001\u4e00\u822c\u7684\u306b401(k)\u306b\u53c2\u52a0\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u4e00\u90e8\u306e\u30b1\u30fc\u30b9\u3092\u9664\u304f\u3001\u4eca\u5f8c\u306f\u3001\u4e00\u5e74\u30671,000\u4ee5\u4e0a\u52b4\u50cd\u3057\u305f\u3001\u3042\u308b\u3044\u306f\u9023\u7d9a\u3059\u308b3\u5e74\u3067500\u6642\u9593\u4ee5\u4e0a\u52b4\u50cd\u3057\u305fEmployee\u5168\u54e1\u306b\u5bfe\u3057\u3066401(k)\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304cEmployer\u306b\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u307e\u3057\u305f\u3002<\/p>\n\n\n\n
\u3053\u308c\u307e\u3067\u30d1\u30fc\u30c8\u3067\u50cd\u3044\u3066\u304d\u3066401(k)\u304c\u5229\u7528\u3067\u304d\u306a\u304b\u3063\u305f\u65b9\u3005\u306f\u3001Human Resources\u306b\u5229\u7528\u306e\u6a29\u5229\u306b\u3064\u3044\u3066\u78ba\u8a8d\u3055\u308c\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002<\/p>\n\n\n\n
<\/p>\n\n\n\n
\u3053\u308c\u307e\u3067\u76f8\u7d9a\u306b\u3066\u53d7\u3051\u53d6\u3063\u305fIRA\/401(k)\u306f\u81ea\u5206\u306e\u4e88\u60f3\u5bff\u547d\u306e\u671f\u9593\u306b\u5fdc\u3058\u3066\u5f15\u304d\u51fa\u305b\u3070\u3088\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u3067\u3057\u305f\u3002\u3088\u3063\u3066\u3001\u76f8\u7d9a\u4eba\u306e\u5e74\u9f62\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u6bd4\u8f03\u7684\u82e5\u304f\u3057\u3066\u76f8\u7d9a\u3057\u305f\u4eba\u306b\u3064\u3044\u3066\u306f\u3001\u304b\u306a\u308a\u306e\u9577\u671f\u9593\u3067\u306e\u5f15\u304d\u51fa\u3057\u304c\u53ef\u80fd\u3067\u3057\u305f\u3002\u751f\u6d3b\u306e\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u5f15\u304d\u51fa\u3057\u305f\u308a\u5f15\u304d\u51fa\u3055\u306a\u304b\u3063\u305f\u308a\u3001\u307e\u305f\u5f15\u304d\u51fa\u3057\u984d\u3082\u4e00\u5ea6\u306b\u591a\u984d\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u5206\u6563\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u8abf\u6574\u3082\u53ef\u80fd\u3067\u3001\u7d50\u679c\u7684\u306b\u6240\u5f97\u7a0e\u5bfe\u7b56\u3092\u3068\u308b\u3053\u3068\u304c\u6bd4\u8f03\u7684\u5bb9\u6613\u3067\u3057\u305f\u3002<\/p>\n\n\n\n
\u76f8\u7d9a\u4eba\u304c\u3082\u3068\u3082\u3068\u306eIRA\u4fdd\u6301\u8005\u306e\u914d\u5076\u8005\u3001Minor Child\u3001\u969c\u5bb3\u3084\u6162\u6027\u75c5\u306e\u3042\u308b\u8005\u3067\u3042\u308b\u5834\u5408\u3068\u3001IRA\u4fdd\u6301\u8005\u3068\u306e\u5e74\u9f62\u5dee\u304c10\u6b73\u672a\u6e80\u3067\u3042\u308b\u9650\u308a\u306b\u304a\u3044\u3066\u306f\u3001\u3053\u306e\u307e\u307e\u4ee5\u524d\u306e\u30eb\u30fc\u30eb\u304c\u9069\u7528\u3055\u308c\u307e\u3059\u304c\u3001\u305d\u308c\u4ee5\u5916\u306e\u76f8\u7d9a\u4eba\u306b\u3064\u3044\u3066\u306f\u300110\u5e74\u4ee5\u5185\u306b\u5168\u984d\u5f15\u304d\u51fa\u3057\u304c\u5fc5\u8981\u3068\u306a\u308a\u307e\u3059\u30022020\u5e741\u67081\u65e5\u4ee5\u964d\u306b\u4fdd\u6301\u8005\u304c\u6b7b\u4ea1\u3057\u305fIRA\/401(k)\u304c\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
\u89aa\u304c\u6b7b\u4ea1\u3057\u300140\u4ee3\u300150\u4ee3\u306a\u3069\u30ad\u30e3\u30ea\u30a2\u30d4\u30fc\u30af\u3067\u53ce\u5165\u3082\u591a\u3044\u30d5\u30a7\u30fc\u30ba\u306e\u5b50\u3069\u3082\u306b\u5f15\u304d\u3064\u3044\u3060\u5834\u5408\u306a\u3069\u306f\u300110\u5e74\u9593\u3067\u306e\u5f15\u304d\u51fa\u3057\u984d\u306b\u305f\u3044\u3059\u308b\u6240\u5f97\u7a0e\u3082\u5927\u304d\u304f\u306a\u308b\u305f\u3081\u3001\u3042\u3089\u304b\u3058\u3081\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u809d\u8981\u3068\u306a\u308a\u307e\u3059\u3002401(k)\u3084IRA\u306e\u984d\u304c\u5927\u304d\u3044\u5834\u5408\u306a\u3069\u306f\u3001\u3042\u3089\u304b\u3058\u3081\u30a8\u30b9\u30c6\u30fc\u30c8\u30d7\u30e9\u30cb\u30f3\u30b0\u306e\u5c02\u9580\u5bb6\u306b\u3054\u76f8\u8ac7\u3055\u308c\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n
<\/p>\n\n\n\n
2019\u5e7412\u670831\u65e5\u4ee5\u964d\u3001Employee\u304c100\u4eba\u672a\u6e80\uff08\u904e\u53bb3\u5e74\u306e\u9593\uff09\u3067\u3042\u308b\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u304c\u3001SEP\nIRA\u3001SIMPLE IRA, 401(k)\u53ca\u3073\u305d\u306e\u4ed6Profit\nSharing\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u306f\u3058\u3081\u308b\u5834\u5408\u306b\u3001Employee\uff08non-highly\ncompensated employees\uff09\u3072\u3068\u308a\u306b\u3064\u304d$250\u306e\u30bf\u30c3\u30af\u30b9\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\uff08Employee\u3067\u306f\u306a\u304fEmployer\u304c\u5f97\u308b\uff09\u3002\u305f\u3060\u3057\u6700\u4f4e\u30af\u30ec\u30b8\u30c3\u30c8\u306f$500\u3001\u6700\u9ad8\u306f$5,000\u3067\u3059\u3002<\/p>\n\n\n\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u304c\u3001Automatic\nEnrollment\uff08Employee\u304cOpt Out\u3057\u306a\u3044\u9650\u308a\u81ea\u52d5\u52a0\u5165\uff09\u304c\u6761\u4ef6\u306b\u542b\u307e\u308c\u3066\u3044\u308b\u5834\u5408\u306b\u306f\u3055\u3089\u306b$500\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
\u3042\u306a\u305f\u304c\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u306a\u3089\u3053\u306e\u6a5f\u4f1a\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u958b\u59cb\u3092\u8003\u616e\u304f\u3060\u3055\u3044\u3002\u3042\u306a\u305f\u304c\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306eEmployee\u306a\u3089\u3070\u3001\u4e0b\u306eMEP\u3068\u3068\u3082\u306b\u30aa\u30fc\u30ca\u30fc\u306b\u3053\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u3053\u3068\u3092\u6559\u3048\u3066\u3042\u3052\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n
\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u304c\u3044\u304f\u3064\u304b\u96c6\u307e\u3063\u3066\u5171\u540c\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3059\u308b\uff08Multiple\nEmployer\u3000Plan\uff1dMEP\u3068\u3044\u3046\uff09\u3068\u3044\u3046\u3053\u3068\u306f\u4ee5\u524d\u304b\u3089\u3082\u884c\u308f\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u3068\u3053\u308d\u304c\u3001\u3053\u308c\u307e\u3067\u306f\u53c2\u52a0\u4f01\u696d\u306e\u3072\u3068\u3064\u3067\u3082\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u4e0a\u306e\u554f\u984c\u304c\u3042\u3063\u305f\u5834\u5408\u3001\u305d\u306e\u8a72\u5f53\u4f01\u696d\u3060\u3051\u3067\u306a\u304f\u53c2\u52a0\u4f01\u696d\u5168\u4f53\u306b\u5bfe\u3057\u3066\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u8ab2\u3055\u308c\u308b\u3068\u3044\u3046\u30eb\u30fc\u30eb\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u307e\u305fMEP\u304c\u7d50\u6210\u3055\u308c\u308b\u5834\u5408\u306f\u95a2\u9023\u4f1a\u793e\u3084\u696d\u7a2e\u306e\u4f3c\u305f\u4f1a\u793e\u540c\u58eb\u3067\u3057\u305f\u3002<\/p>\n\n\n\n
\u4eca\u56de\u306e\u6cd5\u5f8b\u3067\u3001MEP\u306e\u30eb\u30fc\u30eb\u304c\u89e3\u653e\u3055\u308c\u3001\u7121\u95a2\u4fc2\u306e\u4f01\u696d\u3067\u3082\u5171\u540c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u3064\u304f\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\uff08Open MEP)\u3002\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306fOpen MEP\u306b\u53c2\u52a0\u3059\u308b\u3053\u3068\u3067\u3001\u6bd4\u8f03\u7684\u5927\u304d\u3044\u4f01\u696d\u306e\u5f8c\u3092\u8ffd\u3046\u30ec\u30d9\u30eb\u306e\u30ed\u30fc\u30b3\u30b9\u30c8\u3001\u30cf\u30a4\u30af\u30aa\u30ea\u30c6\u30a3\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u307e\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
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\u4f01\u696d\u304cAutomatic\nEnrollment\uff08Employee\u304cOpt Ou\uff54\u3057\u306a\u3044\u9650\u308a\u81ea\u52d5\u3067\u30d7\u30e9\u30f3\u53c2\u52a0\u3055\u305b\u3001\u30c7\u30d5\u30a9\u30eb\u30c8\uff05\u3092\u81ea\u52d5\u7684\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3082\u306e\uff09\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u5834\u5408\u306e\u3001Employer\u304c\u8a2d\u5b9a\u3067\u304d\u308b\u7a4d\u307f\u7acb\u3066\uff05\u306e\u4e0a\u9650\u304c10%\u304b\u308915%\u306b\u4e0a\u304c\u308a\u307e\u3057\u305f\u3002<\/p>\n\n\n\n
Automatic Enrollment\u306e\u5834\u5408\u3001\u6700\u521d\u306f\uff13\uff05\u306a\u3069\u5c0f\u3055\u3044\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u304b\u3089\u81ea\u52d5\u8a2d\u5b9a\u3055\u308c\u3001\u5e74\u3005\uff11\uff05\u305a\u3064\u81ea\u52d5\u3067\u4e0a\u304c\u3063\u3066\u3044\u304f\u3068\u3044\u3046\u3088\u3046\u306a\u8a2d\u5b9a\u306b\u306a\u3063\u3066\u3044\u308b\u3053\u3068\u3082\u591a\u3044\u3067\u3059\uff08Employer\u306e\u30dd\u30ea\u30b7\u30fc\u306b\u3088\u308b\uff09\u3002\u3053\u308c\u304c15%\u307e\u3067\u4e0a\u304c\u308a\u7d9a\u3051\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\uff08\u3082\u3061\u308d\u3093\u5909\u66f4\u306f\u53ef\u80fd\u3002\u81ea\u5206\u3067\u8a2d\u5b9a\u3057\u306a\u3044\u9650\u308a\u3001\u81ea\u52d5\u3067\u4e0a\u304c\u308b\uff09\u3002<\/p>\n\n\n\n
401(k)\u3067Annuity\u3092\u8cfc\u5165\u3057\u305f\u3068\u3057\u305f\u3089\u3001\u751f\u6daf\u5e74\u91d1\u3068\u3057\u3066\u3044\u304f\u3089\u53d7\u3051\u53d6\u308c\u308b\u304b\uff08\u90fd\u5ea6\u5fc5\u8981\u984d\u3092\u5f15\u304d\u51fa\u3059\u306e\u3067\u306f\u306a\u304f\u3066\u3001\u6708\u3005\u540c\u3058\u984d\u3092\u53d7\u3051\u53d6\u308a\u7d9a\u3051\u308b\uff09\u306a\u3069\u306e\u8ffd\u52a0\u60c5\u5831\u3092\u958b\u793a\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3059\u3067\u306b\u5927\u624b\u96c7\u7528\u4e3b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306a\u3069\u3067\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u60c5\u5831\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u304c\u3001\u3053\u308c\u304c\u3055\u3089\u306b\u9032\u307f\u307e\u3059\u3002\u3055\u3089\u306b\u5b9f\u969b\u306b401(k)\u5185\u3067Annuity\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
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2019\u5e7412\u6708\u306bSECURE ACT\u3068\u3044\u3046\u6cd5\u5f8b\u304c\u5236\u5b9a\u3055\u308c\u307e\u3057\u305f\u3002\u672c\u540d\u306f\u3001Setting Every Community Up for Retirement Enhancement Act\u3068\u3044\u3044\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u50cd\u304f\u3088\u308a\u591a\u304f\u306e\u4eba\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u6e96\u5099\u3092\u7a4d\u6975\u7684\u306b\u9032\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u3001\u8cc7\u91d1\u6e96\u5099\u30d7\u30e9\u30f3\u3092\u4f7f\u3044\u3084\u3059\u304f\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u72d9\u3063\u305f\u6cd5\u5f8b\u3067\u3059\u3002\u3059\u3067\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3057\u3066\u3044\u308b\u4eba\u306b\u3082\u3001\u307e\u3060\u53c2\u52a0\u3067\u304d\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u4eba\u306b\u3082\u3001\u95a2\u4e0e\u3059\u308b\u5909\u66f4\u70b9\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u4e0b\u306b\u6319\u3052\u3066\u3044\u304d\u307e\u3059\u3002 Required minimum distributions (RMDs) \u306e\u30b9\u30bf\u30fc\u30c8\u304c70.5\u6b73\u304b\u3089 72\u6b73\u306b \u9ad8\u9f62\u5316\u306b\u3068\u3082\u306a\u308a\u3001\u30ea …<\/p>\n","protected":false},"author":1,"featured_media":5206,"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":[39,36,38],"tags":[],"class_list":["post-5201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-college","category-investment","category-retirement"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2020\/01\/pexels-photo-268362.jpeg?fit=500%2C375&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1lT","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5201","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=5201"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5201\/revisions"}],"predecessor-version":[{"id":5260,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5201\/revisions\/5260"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/5206"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=5201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=5201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=5201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}