{"id":5469,"date":"2020-10-06T15:31:55","date_gmt":"2020-10-06T23:31:55","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5469"},"modified":"2020-10-06T15:31:59","modified_gmt":"2020-10-06T23:31:59","slug":"%e3%81%82%e3%81%aa%e3%81%9f%e3%81%ae401k%e3%81%ae%e6%89%8b%e6%95%b0%e6%96%99%e3%81%af%e3%81%84%e3%81%8b%e3%81%ab%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e3%81%82%e3%81%aa%e3%81%9f%e3%81%ae401k%e3%81%ae%e6%89%8b%e6%95%b0%e6%96%99%e3%81%af%e3%81%84%e3%81%8b%e3%81%ab%ef%bc%9f\/","title":{"rendered":"\u3042\u306a\u305f\u306e401(k)\u306e\u624b\u6570\u6599\u306f\u3044\u304b\u306b\uff1f"},"content":{"rendered":"\n

2009\u5e74\u306e\u91d1\u878d\u6050\u614c\u4ee5\u964d\u3001\u6295\u8cc7\u306b\u304b\u304b\u308b\u624b\u6570\u6599\u306f\u5168\u4f53\u7684\u306b\u6e1b\u5c11\u3057\u3066\u304d\u3066\u3044\u307e\u3059\u300210\u5e74\u4ee5\u4e0a\u524d\u306f\u5927\u5909\u306b\u624b\u6570\u6599\u306e\u9ad8\u3044401(k)\u30d7\u30ed\u30b0\u30e9\u30e0\u3082\u305f\u304f\u3055\u3093\u5b58\u5728\u3057\u3001\u307e\u305f\u624b\u6570\u6599\u958b\u793a\u3092\u7fa9\u52d9\u4ed8\u3051\u308b\u6cd5\u5f8b\u3082\u306a\u304b\u3063\u305f\u3053\u3068\u3082\u3042\u308a\u3001\u3044\u3063\u305f\u3044\u3069\u306e\u304f\u3089\u3044\u306e\u624b\u6570\u6599\u3092\u6255\u3063\u3066\u3044\u308b\u306e\u304b\u3001401(k)\u30d7\u30e9\u30f3\u53c2\u52a0\u8005\u306b\u306f\u898b\u3048\u306a\u3044\u90e8\u5206\u3082\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3057\u305f\u3002\u305d\u306e\u5f8c\u3001\u624b\u6570\u6599\u306a\u3069\u306b\u95a2\u3059\u308b\u60c5\u5831\u958b\u793a\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3001\u307e\u305f\u6295\u8cc7\u5a92\u4f53\u3092\u61f8\u547d\u306b\u30ea\u30b5\u30fc\u30c1\u3092\u3057\u9078\u629e\u3059\u308b\u9ad8\u624b\u6570\u6599\u306e\u30a2\u30af\u30c6\u30a3\u30d6\u30d5\u30a1\u30f3\u30c9\u306e\u5229\u7528\u304c\u5c11\u306a\u304f\u306a\u308a\u3001\u6295\u8cc7\u5a92\u4f53\u3092\u9078\u3070\u305a\u5e02\u5834\u5168\u4f53\u306b\u307e\u3093\u3079\u3093\u306a\u304f\u6295\u8cc7\u3059\u308b\u624b\u6570\u6599\u306e\u4f4e\u3044\u30d1\u30c3\u30b7\u30d6\u30d5\u30a1\u30f3\u30c9\u3078\u306e\u4e57\u308a\u63db\u3048\u304c\u9032\u307f\u3001\u3055\u3089\u306b\u306f401(k)\u306e\u5e02\u5834\u81ea\u4f53\u304c\u5927\u304d\u304f\u306a\u308a\u7af6\u4e89\u304c\u9ad8\u307e\u3063\u305f\u3053\u3068\u3067\u3001\u5168\u4f53\u7684\u306b\u624b\u6570\u6599\u306f\u7d99\u7d9a\u7684\u306b\u4f4e\u4e0b\u50be\u5411\u3067\u3059\u3002<\/p>\n\n\n\n

\u624b\u6570\u6599\u306f\u3070\u304b\u306b\u3067\u304d\u306a\u3044<\/p>\n\n\n\n

\u305f\u3060\u305d\u308c\u3067\u3082\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u3092\u304a\u53d7\u3051\u3059\u308b\u306b\u3001\u305d\u308c\u305e\u308c\u306e401(k)\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u30e9\u30a4\u30f3\u30ca\u30c3\u30d7\u3001\u624b\u6570\u6599\u306b\u307e\u3060\u304b\u306a\u308a\u306e\u3070\u3089\u3064\u304d\u304c\u3042\u308b\u306e\u306b\u6c17\u304c\u4ed8\u304d\u307e\u3059\u3002\u4f4e\u624b\u6570\u6599\u306e\u826f\u8cea\u306a\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3067\u304d\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u624b\u6570\u6599\u304c\u3044\u308d\u3044\u308d\u3068\u5dee\u3057\u5f15\u304b\u308c\u308b\u304b\u3067\u3001\u305f\u3068\u3048\u6bce\u5e74\u540c\u3058\u984d\u3092401(k)\u306b\u7a4d\u307f\u7acb\u3066\u305f\u3068\u3057\u3066\u3082\u300120\u5e74\u5f8c\u300130\u5e74\u5f8c\u306e\u6295\u8cc7\u6b8b\u9ad8\u306b\u306f\u304b\u306a\u308a\u306e\u5dee\u304c\u3067\u307e\u3059\u3002<\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u3001\u6bce\u5e74$10,000\uff08\u6708\u3005$833\uff09\u305a\u3064\u309220\u5e74\u9593\u7a4d\u7acb\u3066\u308b\u3068\u304d\u3001401(K)\u306e\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u304c0.20%\u3060\u3063\u305f\u5834\u5408\u306b\u306f20\u5e74\u5f8c\u3067$323,755\u307e\u3067\u6210\u9577\u3059\u308b\u306e\u306b\u5bfe\u3057\u3001\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u304c1.50\uff05\u3060\u3063\u305f\u5834\u5408\u306b\u306f$282,796\u3068\u306a\u308a\u3001\u7d04$41,000\u306e\u5dee\u304c\u51fa\u307e\u3059\u3002 TDAmeritrade \u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001401(k)\u53c2\u52a0\u8005\u306e27%\u304c\u81ea\u5206\u306e\u6255\u3063\u3066\u3044\u308b\u624b\u6570\u6599\u3092\u77e5\u3089\u306a\u3044\u3068\u3044\u3046\u7d50\u679c\u3060\u3063\u305f\u305d\u3046\u3067\u3059\u3002\u307f\u306a\u3055\u3093\u306f\u3001\u3044\u304f\u3089\u652f\u6255\u3063\u3066\u3044\u308b\u304b\u3054\u5b58\u3058\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n\n\n\n

\u624b\u6570\u6599\u306e\u7a2e\u985e<\/p>\n\n\n\n

401(k)\u306e\u624b\u6570\u6599\u306b\u306f\u3001\u5927\u304d\u304f\u5206\u3051\u3066\uff12\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u306f\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3001\u82f1\u8a9e\u3067\u306fFund Expense Ratio\u3068\u304bFund Fee\u3068\u547c\u3070\u308c\u308b\u3082\u306e\u3067\u3001\u3053\u308c\u306f\u30d5\u30a1\u30f3\u30c9\u3092\u904b\u55b6\u3059\u308b\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3078\u306e\u624b\u6570\u6599\u3067\u3059\u3002\u5341\u6570\u5e74\u524d\u307e\u3067\u306f1.0\uff05\u3068\u304b2.0\uff05\u3068\u3044\u3046\u3088\u3046\u306a\u3048\u3052\u3064\u306a\u3044\u30ec\u30d9\u30eb\u3067\u306e\u624b\u6570\u6599\u3082\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u73fe\u5728\u3067\u306f\u307b\u3068\u3093\u3069\u304c1.0\uff05\u4ee5\u4e0b\u3067\u3059\u3002\u9078\u3076\u30d5\u30a1\u30f3\u30c9\u3054\u3068\u306b\u3053\u306e\u624b\u6570\u6599\u306f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u3082\u3046\u3072\u3068\u3064\u306f\u3001401(k)\u30d7\u30e9\u30f3\u306e\u904b\u55b6\u8cbb\u3001\u82f1\u8a9e\u3067\u306fAdministrative Fee\u3068\u304bPlan Fee\u3068\u304b\u547c\u3070\u308c\u308b\u3082\u306e\u3067\u3001\u3053\u308c\u306f401(k)\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3059\u308b\u4eba\u306b\u8ab2\u3055\u308c\u308b\u4e8b\u52d9\u8cbb\u3067\u3059\u3002\u6700\u8fd1\u3067\u306f\u3053\u306e\u904b\u55b6\u8cbb\u306f\u8ab2\u3055\u308c\u306a\u3044\u30d7\u30e9\u30f3\u3082\u304b\u306a\u308a\u5897\u3048\u305f\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u96c7\u7528\u4e3b\u898f\u6a21\u3067\u5dee\u304c\u3042\u308b<\/p>\n\n\n\n

BrightScope\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3068\u30d7\u30e9\u30f3\u904b\u55b6\u8cbb\u306e\u5408\u8a08\u3001\u3064\u307e\u308a\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u306f\u5168\u4f53\u7684\u306b\u6e1b\u5c11\u50be\u5411\u306b\u3042\u308a\u30012009\u5e74\u306b\u306f\u5e73\u5747\u30671.02\uff05\u3060\u3063\u305f\u306e\u304c2016\u5e74\u306b\u306f\u5e73\u57470.96\uff05\u306b\u306a\u3063\u305f\u3068\u306e\u3053\u3068\u3067\u3059\u3002\u305f\u3060\u3001\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u306f\u3001\u96c7\u7528\u4e3b\u898f\u6a21\u306b\u304b\u306a\u308a\u95a2\u4fc2\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u660e\u3089\u304b\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u5927\u4f01\u696d\u3067\u512a\u826f401(k)\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3068\u3055\u308c\u308b\u30c8\u30c3\u30d730\u793e\u306e\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u306f\u5e73\u57470.22\uff05\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002401(k)\u5168\u53c2\u52a0\u8005\u304c\u6295\u8cc7\u3057\u3066\u3044\u308b\u30c8\u30fc\u30bf\u30eb\u306e\u6295\u8cc7\u8cc7\u7523\u304c$100\u30df\u30ea\u30aa\u30f3\u3092\u8d85\u3048\u308b\u5927\u4f01\u696d\u306e\u5834\u5408\u306f\u3001\u62bc\u3057\u306a\u3079\u3066\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u7528\u306f\uff11\uff05\u4ee5\u4e0b\u3067\u3001\u3068\u304f\u306b\u7279\u5927\u4f01\u696d\u306b\u304a\u3044\u3066\u306f0.50\uff05\u4ee5\u4e0b\u3068\u3044\u3046\u7d50\u679c\u3067\u3059\u3002\u5927\u4f01\u696d\u306f\u305d\u306e\u898f\u6a21\u306e\u3086\u3048\u306b\u4e00\u4eba\u5f53\u305f\u308a\u306e\u904b\u55b6\u8cbb\u3082\u5c0f\u3055\u304f\u4fdd\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u3046\u3048\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3082\u5927\u898f\u6a21\u96c7\u7528\u4e3b\u3068\u3057\u3066\u306e\u7279\u5225\u30cd\u30b4\u304c\u304d\u304f\u305f\u3081\u4f4e\u304f\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u5c0f\u898f\u6a21\u96c7\u7528\u4e3b\u306e\u5834\u5408\u306f1.5\uff05\uff5e2.0\uff05\u306e\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u3092\u8ab2\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3082\u591a\u304f\u3001\u3068\u304d\u306b\u306f2.0\uff05\u4ee5\u4e0a\u306e\u30d7\u30e9\u30f3\u3082\u3042\u308b\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002<\/p>\n\n\n\n

2.0\uff05\u3068\u3044\u3046\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u306f\u3001\u305f\u3068\u30485.0\uff05\u306e\u5229\u56de\u308a\u3092\u751f\u3093\u3067\u3044\u3066\u3082\u5b9f\u8cea3.0\uff05\u3057\u304b\u624b\u306b\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u7523\u6e96\u5099\u306e\u901f\u5ea6\u3092\u8457\u3057\u304f\u9045\u3089\u305b\u307e\u3059\u3002BrightScope\u306f\u3001\u5c0f\u898f\u6a21\u96c7\u7528\u4e3b\u306e\u4e2d\u3067\u3001\u3053\u306e\u3088\u3046\u306a\u9ad8\u3044\u30ec\u30d9\u30eb\u3067\u306e\u624b\u6570\u6599\u3092\u8ab2\u3059\u30d7\u30e9\u30f3\u3092\u63a1\u7528\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u306e\u306f\u30b7\u30e7\u30c3\u30ad\u30f3\u30b0\u3067\u3042\u308b\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u8abf\u3079\u3066\u307f\u308b<\/p>\n\n\n\n

\u307e\u305a\u306f\u3001\u3054\u81ea\u5206\u306e401(k)\u306e\u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u3092\u8abf\u3079\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599<\/p>\n\n\n\n

\u524d\u8ff0\u306e\u3068\u304a\u308a\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306e\u958b\u793a\u306f\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u306e\u3067\u3001401(k)\u306e\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u30ea\u30b9\u30c8\u3092\u8abf\u3079\u308c\u3070\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u304c\u3044\u304f\u3089\u304b\u306f\u898b\u3064\u304b\u308b\u306f\u305a\u3067\u3059\u3002\u3082\u3057\u3082\u898b\u3064\u3051\u306b\u304f\u3044\u5834\u5408\u306f\u3001\u30d5\u30a1\u30f3\u30c9\u306e\u540d\u524d\u3067\u624b\u6570\u6599\u304c\u691c\u7d22\u3067\u304d\u307e\u3059\u3002\u4e0b\u306e\u30b5\u30a4\u30c8\u3067\u3001\u30d5\u30a1\u30f3\u30c9\u540d\u3042\u308b\u3044\u306f\u30d5\u30a1\u30f3\u30c9\u306b\u3064\u3044\u3066\u3044\u308b\uff14\u6587\u5b57\u304b\u30895\u6587\u5b57\u306e\u30a2\u30eb\u30d5\u30a1\u30d9\u30c3\u30c8\u30b3\u30fc\u30c9\u3067\u691c\u7d22\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

https:\/\/tools.finra.org\/fund_analyzer\/<\/a><\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u3001T. Rowe\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c92040\uff08\u30b3\u30fc\u30c9\u306fTRRDX\uff09\u306a\u3089\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u306f0.70\uff05\u3067\u3059\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u30d7\u30e9\u30f3\u904b\u55b6\u8cbb<\/p>\n\n\n\n

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  1. \u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u304c\u9ad8\u3044\u5834\u5408\u3067\u3001\u4ee3\u66ff\u306e\u4f4e\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u304c\u3042\u308b\u5834\u5408\u306f\u306e\u308a\u304b\u3048\u308b\u3002<\/strong><\/li><\/ol>\n\n\n\n

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    \"\"<\/figure>\n\n\n\n
    1. \u30c8\u30fc\u30bf\u30eb\u624b\u6570\u6599\u304c\u9ad8\u3044\u5834\u5408\u306f\u3001Benefit \u62c5\u5f53\u3084Human Resources\u90e8\u306b\u30d7\u30e9\u30f3\u541f\u5473\u306e\u63d0\u8a00\u3092\u3057\u3066\u307f\u308b\u3002<\/strong><\/li><\/ol>\n\n\n\n

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      https:\/\/www.employeefiduciary.com\/sample-fee-comparisons\/<\/a><\/p>\n\n\n\n

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      \"\"<\/figure>\n\n\n\n

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      \u305f\u3068\u3048\u3070Vanguard Target Retirement Fund2045\u306f\u500b\u4eba\u7684\u306b\u958b\u3044\u3066\u30820.15\uff05\u306e\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\u3067\u3001IRA\u53e3\u5ea7\u3067\u306f\u305d\u306e\u4ed6\u306e\u30d7\u30e9\u30f3\u904b\u55b6\u8cbb\u3084\u53e3\u5ea7\u7dad\u6301\u8cbb\u306a\u3069\u306f\u4e00\u5207\u304b\u304b\u308a\u307e\u305b\u3093\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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