{"id":5529,"date":"2020-11-04T12:17:14","date_gmt":"2020-11-04T20:17:14","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5529"},"modified":"2020-11-04T12:17:17","modified_gmt":"2020-11-04T20:17:17","slug":"%e4%b8%8a%e3%81%8c%e3%82%8a%e3%81%af%e3%81%97%e3%81%a6%e3%82%82%e6%b1%ba%e3%81%97%e3%81%a6%e4%b8%8b%e3%81%8c%e3%82%89%e3%81%aa%e3%81%84%e3%82%a2%e3%83%8b%e3%83%a5%e3%82%a4%e3%83%86%e3%82%a3%ef%bc%88","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e4%b8%8a%e3%81%8c%e3%82%8a%e3%81%af%e3%81%97%e3%81%a6%e3%82%82%e6%b1%ba%e3%81%97%e3%81%a6%e4%b8%8b%e3%81%8c%e3%82%89%e3%81%aa%e3%81%84%e3%82%a2%e3%83%8b%e3%83%a5%e3%82%a4%e3%83%86%e3%82%a3%ef%bc%88\/","title":{"rendered":"\u4e0a\u304c\u308a\u306f\u3057\u3066\u3082\u6c7a\u3057\u3066\u4e0b\u304c\u3089\u306a\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff08\uff11\uff09"},"content":{"rendered":"\n<p>\u682a\u5f0f\u5e02\u5834\u306b\u4e0d\u5b89\u304c\u3042\u308b\u6642\u671f\u306b\u306f\u3001\u300c\u7740\u5b9f\u306b\u5165\u308b\u914d\u5f53\u91d1\u3084\u5229\u5b50\u304c\u51fa\u308b\u30d5\u30a1\u30f3\u30c9\u300d\u3084\u300c\u4e0a\u308a\u306f\u3057\u3066\u3082\u4e0b\u304c\u3089\u306a\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u300d\u306a\u3069\u306e\u4eba\u6c17\u304c\u4e0a\u304c\u308b\u50be\u5411\u304c\u3042\u308a\u3001\u524d\u56de\u306f\u3053\u306e\u524d\u8005\u306e\u30b1\u30fc\u30b9\u306e\u914d\u5f53\u91d1\u3084\u5229\u5b50\u3092\u51fa\u3059Income\u3000Fund\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\u3066\u307f\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u5f8c\u8005\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u300c\u3082\u3057\u5e02\u5834\u304c\u4eca\u56de\u306eCovid\u306e\u3088\u3046\u306b\u5927\u304d\u304f\u4e0b\u3052\u3066\u3082\u3001\u6b8b\u9ad8\u306f\u6c7a\u3057\u3066\u4e0b\u304c\u3089\u306a\u3044\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u306e\u3064\u3044\u305f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068\u3044\u3046\u306e\u3092\u8cfc\u5165\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u304c\u3001\u3069\u3046\u3067\u3057\u3087\u3046\uff1f\u300d\u3068\u3044\u3046\u3054\u8cea\u554f\u3082\u6700\u8fd1\u3088\u304f\u304a\u53d7\u3051\u3057\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u76ee\u7684\u306b\u3042\u3063\u305f\u3074\u3063\u305f\u308a\u306e\u4f7f\u3044\u65b9\u3092\u3059\u308b\u3068\u5927\u5909\u306b\u7d20\u6674\u3089\u3057\u3044\u3082\u306e\u3067\u3042\u308b\u53cd\u9762\u3001\u3088\u304f\u308f\u304b\u3089\u305a\u9069\u5f53\u306b\u8cfc\u5165\u3059\u308b\u3068\u6b8b\u5ff5\u306a\u3053\u3068\u306b\u7d42\u308f\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u5546\u54c1\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u4e2d\u3067\u3082Fixed Index Annuity\u3068\u3044\u3046\u5546\u54c1\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u3001\u8003\u3048\u3066\u307f\u3088\u3046\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\">\u30cd\u30fc\u30df\u30f3\u30b0\u3082\u5185\u5bb9\u3082\u3055\u307e\u3056\u307e<\/p>\n\n\n\n<p>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u307b\u3069\u3001\u5546\u54c1\u3092\u7406\u89e3\u3059\u308b\u306e\u306b\u96e3\u89e3\u306a\u3082\u306e\u306f\u306a\u3044\u3068\u5e38\u306b\u601d\u3063\u3066\u304a\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u96e3\u89e3\u3055\u306f\u30cd\u30fc\u30df\u30f3\u30b0\u306b\u304a\u3044\u3066\u3082\u540c\u69d8\u3067\u3059\u3002Index Annuity\u3001Equity Indexed Annuity\u3001Fixed Index Annuity\u306a\u3069\u3044\u308d\u3044\u308d\u306a\u547c\u3073\u65b9\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u57fa\u672c\u7684\u306b\u3053\u308c\u3089\u306f\u540c\u3058\u3088\u3046\u306a\u30bf\u30a4\u30d7\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u3059\u3002\u5404\u4fdd\u967a\u4f1a\u793e\u304c\u597d\u304d\u306a\u3088\u3046\u306b\u9b45\u529b\u7684\u306a\u540d\u524d\u3092\u3064\u3051\u307e\u3059\u306e\u3067\u3001\u3044\u308d\u3044\u308d\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u5b58\u5728\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u540c\u3058\u540d\u79f0\u3067\u547c\u3070\u308c\u308b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u5185\u5bb9\u304c\u307e\u3063\u305f\u304f\u540c\u3058\u3068\u3044\u3046\u3053\u3068\u306f\u307b\u307c\u3042\u308a\u3048\u305a\u3001\u4e2d\u8eab\u306e\u6761\u4ef6\u8a2d\u5b9a\u306b\u3082\u304b\u306a\u308a\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u3053\u3067\u306f\u3001Fixed Index Annuity\u3068\u3044\u3046\u540d\u79f0\u3067\u5185\u5bb9\u3092\u898b\u3066\u3044\u304d\u307e\u3059\u304c\u3001\u3042\u304f\u307e\u3067\u5178\u578b\u7684\u306a\u4e00\u30b1\u30fc\u30b9\u3068\u3044\u3046\u3053\u3068\u3067\u3054\u7406\u89e3\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p>Fixed Index Annuity\u306f\u3001\u4f55\u3089\u304b\u306e\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\uff08S&amp;P 500, Nasdaq, Russell 2000\u306a\u3069\uff09\u306e\u6210\u7e3e\u3092\u30d9\u30fc\u30b9\u306b\u3057\u3066\u3001\u5c06\u6765\u7684\u306b\u53d7\u3051\u53d6\u308b\u5e74\u91d1\u984d\uff08\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u984d\uff09\u3001\u3042\u308b\u3044\u306f\u305d\u308c\u304c\u8a08\u7b97\u3055\u308c\u308b\u30d9\u30fc\u30b9\u984d\u304c\u6c7a\u307e\u308b\u4fdd\u967a\u5546\u54c1\u3067\u3059\uff08\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3042\u308a\u3001\u6295\u8cc7\u5546\u54c1\u3067\u306f\u3042\u308a\u307e\u305b\u3093\uff09\u3002\u682a\u5f0f\u5e02\u5834\u306b\u5bfe\u3057\u76f4\u63a5\u6295\u8cc7\u3059\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306e\u6210\u7e3e\u3092\u30d9\u30fc\u30b9\u306b\u53d7\u53d6\u984d\u304c\u6c7a\u3081\u3089\u308c\u308b\u3082\u306e\u3067\u3059\u3002\u5951\u7d04\u306b\u3088\u308a\u3001\u5e02\u5834\u304c\u4e0b\u304c\u3063\u305f(\u30de\u30a4\u30ca\u30b9)\u306b\u306a\u3063\u305f\u5834\u5408\u3067\u3082\u3001\u640d\u5931\u304b\u3089\u306f\u5b88\u3089\u308c\u3001\u524d\u5e74\u5ea6\u306e\u6b8b\u9ad8\u304c\u636e\u3048\u7f6e\u304b\u308c\u308b\u3068\u3044\u3046\u300c\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u300d\u304c\u3064\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u300c\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u300d\u306f\u3082\u3061\u308d\u3093\u7121\u6599\u3067\u306f\u306a\u304f\u3001\u305d\u306e\u4ee3\u308f\u308a\u306b\u3001\u5e02\u5834\u304c\u4f38\u3073\u305f\u3068\u304d\u306b\u3082\u3001\u305d\u306e\u5229\u56de\u308a\u3092\u305d\u306e\u307e\u307e\u624b\u306b\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u305a\u3001\u624b\u306b\u3067\u304d\u306a\u3044\u5229\u56de\u308a\u306f\u4fdd\u967a\u4f1a\u793e\u306e\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30de\u30a4\u30ca\u30b9\u3082\u30d7\u30e9\u30b9\u3082\u4fdd\u967a\u4f1a\u793e\u3068\u30b7\u30a7\u30a2\u3059\u308b\u3053\u3068\u3067\u3001\u30ed\u30b9\u3082\u306a\u3044\u4ee3\u308f\u308a\u5927\u304d\u306a\u30ea\u30bf\u30fc\u30f3\u3082\u306a\u3044\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u76f4\u63a5\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u306e\u3068\u9055\u3044\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u306e\u5951\u7d04\u306b\u3088\u3063\u3066\u3001\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304b\u3089\u53d7\u3051\u308b\u30ed\u30b9\u3068\u30b2\u30a4\u30f3\u306b\u9650\u5ea6\u304c\u65bd\u3055\u308c\u308b\u308f\u3051\u3067\u3001\u305d\u306e\u5951\u7d04\u306e\u5185\u5bb9\u3092\u3088\u304f\u7406\u89e3\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3053\u306e\u5951\u7d04\u306e\u5185\u5bb9\u304c\u304b\u306a\u308a\u8907\u96d1\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:38px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\">\u6295\u8cc7\u3067\u306f\u306a\u304f\u4fdd\u967a<\/p>\n\n\n\n<p>\u524d\u8ff0\u306e\u3068\u304a\u308aFixed Index Annuity\u306f\u6295\u8cc7\u3067\u306f\u306a\u304f\u3001\u4fdd\u967a\u3067\u3059\u3002\u305d\u3082\u305d\u3082\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u9577\u751f\u304d\u30ea\u30b9\u30af\u306b\u5bfe\u3057\u3066\u306e\u4fdd\u967a\u3068\u3057\u3066\u958b\u767a\u3055\u308c\u307e\u3057\u305f\u3002\u751f\u547d\u4fdd\u967a\u304c\u300c\u65e9\u6b7b\u3057\u3066\u53ce\u5165\u304c\u306a\u304f\u306a\u308a\u3001\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u304c\u56f0\u308b\u30ea\u30b9\u30af\u300d\u306b\u5bfe\u3059\u308b\u4fdd\u967a\u3067\u3042\u308b\u4e00\u65b9\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300c\u9577\u751f\u304d\u3057\u3059\u304e\u3066\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u67af\u6e07\u3059\u308b\u30ea\u30b9\u30af\u300d\u306b\u5099\u3048\u3066\u3001\u751f\u304d\u3066\u3044\u308b\u9650\u308a\u6c7a\u307e\u3063\u305f\u5e74\u984d(\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u984d)\u304c\u3082\u3089\u3048\u308b\u4fdd\u967a\u5951\u7d04\u306a\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3088\u304f\u3001\u300c\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092Vanguard\u3068\u304b\u4e00\u3064\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u6301\u3063\u3066\u3044\u3066\u3082\u5927\u4e08\u592b\u3067\u3059\u304b\uff1f\u300d\u300c\u91d1\u878d\u6a5f\u95a2\u3082\u5206\u6563\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3067\u3059\u304b\u300d\u3068\u3044\u3046\u3054\u8cea\u554f\u3092\u53d7\u3051\u307e\u3059\u3002\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306b\u95a2\u3057\u3066\u306f\u3001\u6295\u8cc7\u5bb6\u672c\u4eba\u304c\u30d5\u30a1\u30f3\u30c9\u3092\u300c\u6240\u6709\u300d\u3057\u3066\u304a\u308a\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u305d\u308c\u3092\u4fdd\u7ba1\u7ba1\u7406\u3057\u3066\u304f\u308c\u308b\u5009\u5eab\u306e\u3088\u3046\u306a\u3082\u306e\u306a\u306e\u3067\u3001\u3082\u3057\u91d1\u878d\u6a5f\u95a2\u304c\u3064\u3076\u308c\u305f\u3068\u3057\u3066\u3082\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u304c\u306a\u304f\u306a\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\uff08\u304f\u308f\u3057\u304f\u306f\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/multiple_companies\/\" ><strong>\u30d5\u30a1\u30f3\u30c9\u306f\u3044\u304f\u3064\u304b\u306e\u6295\u8cc7\u4f1a\u793e\u306b\u5206\u6563\u6295\u8cc7\u304c\u3044\u3044\uff1f<\/strong><\/a>\u3000\uff09\u3002\u4e00\u65b9\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5834\u5408\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u500b\u4eba\u306e\u4e00\u5bfe\u4e00\u306e\u5951\u7d04\u3067\u3042\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u3064\u3076\u308c\u305f\u3089\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5c06\u6765\u306e\u652f\u6255\u3044\u304c\u306a\u3055\u308c\u306a\u3044\u53ef\u80fd\u6027\u306f\u5927\u3044\u306b\u3042\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u751f\u547d\u4fdd\u967a\u3067\u3082\u307e\u305f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u3082\u3001\u4fdd\u967a\u306e\u5951\u7d04\u306b\u304a\u3044\u3066\u306f\u305d\u306e\u4fdd\u967a\u4f1a\u793e\u306e\u8ca1\u52d9\u306e\u5065\u5168\u6027\u3001\u5c06\u6765\u7684\u306a\u30d3\u30b8\u30cd\u30b9\u306e\u7d99\u7d9a\u7dad\u6301\u306e\u529b\u3092\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:51px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\">\u904b\u7528\u306f\u5f97\u610f\u3067\u306f\u306a\u3044<\/p>\n\n\n\n<p>\u672c\u6765\u306f\u4fdd\u967a\u5546\u54c1\u3067\u3059\u304b\u3089\u3001\u529b\u5f37\u304f\u904b\u7528\u3057\u3066\u5897\u3084\u3059\u3053\u3068\u306b\u304b\u3051\u3066\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4e0d\u9069\u3067\u3042\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u3002\u76f4\u63a5\u6295\u8cc7\u3067\u3042\u308c\u3070\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\uff08\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u304c\u8ab2\u3059Expense Ratio\uff09\u3060\u3051\u6255\u3048\u3070\u6e08\u3080\u3068\u3053\u308d\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u4fdd\u967a\u5951\u7d04\u3067\u3042\u308b\u304c\u3086\u3048\u306b\u3001\u8ffd\u52a0\u3067\u3044\u308d\u3044\u308d\u306a\u624b\u6570\u6599\u304c\u3064\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3088\u304f\u300c\u3053\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u624b\u6570\u6599\u306f\u306a\u3044\u3068\u8a00\u308f\u308c\u305f\u300d\u3068\u3044\u3046\u306e\u3092\u304a\u805e\u304d\u3059\u308b\u306e\u3067\u3059\u304c\u3001\u305d\u308c\u304c\u672c\u5f53\u306a\u3089\u4fdd\u967a\u4f1a\u793e\u306f\u5229\u76ca\u304c\u51fa\u306a\u3044\u3053\u3068\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002\u4f55\u3092\u3082\u3063\u3066\u300c\u624b\u6570\u6599\u300d\u3068\u547c\u3076\u304b\u3068\u3044\u3046\u5b9a\u7fa9\u304c\u305a\u308c\u3066\u3044\u308b\u306e\u3060\u3068\u306f\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u306f\u5fc5\u305a\u3044\u308d\u3044\u308d\u3068\u5f15\u304b\u308c\u308b\u624b\u6570\u6599\u3001\u30c1\u30e3\u30fc\u30b8\u3001\u6599\u91d1\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u3089\u3059\u3079\u3066\u304c\u6c7a\u3057\u3066\u60aa\u3044\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u5fc5\u8981\u306a\u30b5\u30fc\u30d3\u30b9\u306b\u5bfe\u3057\u3066\u306e\u4ee3\u4fa1\u306a\u3089\u559c\u3093\u3067\u6255\u3046\u3079\u304d\u3067\u3059\u3002\u809d\u5fc3\u306a\u306e\u306f\u3001\u305d\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u81ea\u5206\u306b\u9069\u5207\u3067\u3042\u308b\u304b\u3001\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u3042\u3063\u3066\u3044\u308b\u304b\u306e\u5224\u65ad\u3092\u500b\u3005\u4eba\u304c\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\">Fixed Index Annuity\u306e\u624b\u6570\u6599<\/p>\n\n\n\n<p>\u305d\u308c\u305e\u308c\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u624b\u6570\u6599\u3084\u305d\u306e\u540d\u79f0\u306f\u307e\u3061\u307e\u3061\u3067\u3059\u304c\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306f\u53e3\u5ea7\u6b8b\u9ad8\u304b\u3089\u5e74\u3005\u5f15\u304b\u308c\u308b\u5f62\u3067\u8ab2\u305b\u3089\u308c\u307e\u3059\u3002\u660e\u78ba\u306b\u3001Statement\u3067\u201c\u3007\u3007Fee\u201d\u3068\u8868\u793a\u3055\u308c\u308b\u3082\u306e\u3082\u3042\u308c\u3070\u3001\u3059\u3067\u306b\u5f15\u304b\u308c\u305f\u5f62\u3067\u6b8b\u9ad8\u8868\u793a\u304c\u3055\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u3001\u4f55\u304c\u3069\u308c\u3060\u3051\u5f15\u304b\u308c\u3066\u3044\u308b\u306e\u304b\u306f\u308f\u304b\u308a\u306b\u304f\u3044\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u3001\u3069\u3093\u306a\u624b\u6570\u6599\u3001\u6599\u91d1\u3001\u30c1\u30e3\u30fc\u30b8\u304c\u3042\u308b\u304b\u306f\u4fdd\u967a\u5951\u7d04\u3092\u8aad\u3081\u3070\u304b\u306a\u3089\u305a\u958b\u793a\u3057\u3066\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"has-normal-font-size\"><strong>Return Limit\/Cap\uff1a<\/strong><\/p>\n\n\n\n<p>\u5e02\u5834\u6210\u7e3e\u304c\u826f\u304b\u3063\u305f\u5834\u5408\u3001\u5951\u7d04\u8005\u304c\u4eab\u53d7\u3067\u304d\u308b\u5229\u56de\u308a\u3068\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u30ad\u30fc\u30d7\u3059\u308b\u5229\u56de\u308a\u90e8\u5206\u3068\u304c\u6c7a\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u3069\u308c\u3060\u3051\u3092\u4fdd\u967a\u4f1a\u793e\u304c\u30ad\u30fc\u30d7\u3059\u308b\u306e\u304b\u304cReturn Limits \u3068\u304bCap\u3068\u547c\u3070\u308c\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u3053\u306e\u30ea\u30df\u30c3\u30c8\u304c\uff15\uff05\u3067\u3042\u308b\u306a\u3089\u3001\u5e02\u5834\u5229\u56de\u308a\u304c\u3069\u3093\u306a\u306b\u5927\u304d\u304f\u3068\u3082\u3001\uff15\uff05\u3092\u8d85\u3048\u305f\u90e8\u5206\u306f\u4fdd\u967a\u4f1a\u793e\u306e\u53d6\u308a\u5206\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>Participation Rate:\u3000<\/strong><\/p>\n\n\n\n<p>Return Limit\/Cap\u306e\u4ee3\u308f\u308a\u306b\u3001\u307e\u305f\u306f\u305d\u308c\u306b\u52a0\u3048\u3066\u3001Participation Rate\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u5e02\u5834\u5229\u56de\u308a\u306e\u3046\u3061Participation Rate\u306e\u5206\u3060\u3051\u304c\u5951\u7d04\u8005\u306e\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u305d\u306e\u5e74\u306e\u5e02\u5834\u6210\u7e3e\u304c\uff18\uff05\u3067\u3001Participation Rate\u304c50\uff05\u306a\u3089\u3001\uff14\uff05\u3092\u53d7\u3051\u53d6\u308a\u3001\uff14\uff05\u306f\u4fdd\u967a\u4f1a\u793e\u304c\u30ad\u30fc\u30d7\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>Spread\/margin\/asset fee:\u3000<\/strong><\/p>\n\n\n\n<p>\u3053\u3061\u3089\u306f\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3067\u8868\u793a\u3055\u308c\u305f\u56fa\u5b9a\u8cbb\u7528\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u305d\u306e\u5e74\u306e\u5e02\u5834\u6210\u7e3e\u304c\uff18\uff05\u3067\u3001\u3053\u306eFee\u304c\uff13\uff05\u306a\u3089\u3001\uff15\uff05\u306e\u307f\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>Mortality Expenses\uff1a<\/strong><\/p>\n\n\n\n<p>\u9577\u751f\u304d\u4fdd\u8a3c\u306e\u4fdd\u967a\u6599\u91d1\u90e8\u5206\u3067\u3059\u3002\u751f\u547d\u4fdd\u967a\u306b\u4fdd\u967a\u6599\u304c\u3042\u308b\u306e\u3068\u540c\u69d8\u3001\u9577\u751f\u304d\u4fdd\u967a\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u306f\u4fdd\u967a\u6599\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u3053\u306e\u90e8\u5206\u304c\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\/\u8ca9\u58f2\u306b\u304b\u304b\u308b\u8cbb\u7528\u3082\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>Administration Fee\uff1a<\/strong><\/p>\n\n\n\n<p>\u4e00\u5e74\u306b\u3044\u304f\u3089\u3068\u3044\u3046\u3088\u3046\u306a\u5f62\u3067\u56fa\u5b9a\u8cbb\u3068\u3057\u3066\u8ab2\u305b\u3089\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>Riders(\u7279\u7d04) Fee\uff1b<\/strong><\/p>\n\n\n\n<p>Rider\u306f\u3064\u3051\u306a\u3051\u308c\u3070\u4f59\u5206\u306b\u8cbb\u7528\u306f\u767a\u751f\u3057\u307e\u305b\u3093\u304c\u3001\u3064\u3051\u308c\u3070\u3064\u3051\u305f\u5206\u3060\u3051(\u8907\u6570\u306eRider\u3092\u5951\u7d04\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd)\u6599\u91d1\u304c\u767a\u751f\u3057\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u5951\u7d04\u671f\u9593\u4e2d\u3001\u300c\u6700\u4f4e\u5229\u56de\u308a\u3092\u78ba\u7d04\u3059\u308bRider\u300d\u306a\u3069\u306f\u9b45\u529b\u7684\u306b\u805e\u3053\u3048\u307e\u3059\u304c\u3001\u540c\u6642\u306b\u6599\u91d1\u304c\u5e74\u3005\u767a\u751f\u3059\u308b\u306e\u3067\u3001\u5951\u7d04\u3059\u308b\u4fa1\u5024\u304c\u3042\u308b\u304b\u306f\u541f\u5473\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p><strong>Surrender Charge:<\/strong><\/p>\n\n\n\n<p>\u5951\u7d04\u5f8c\u4f55\u5e74\u304b\u306e\u9593\u306b\u30ad\u30e3\u30f3\u30bb\u30eb\u3057\u305f\u5834\u5408\u3001\u3042\u308b\u3044\u306f\u4e00\u5b9a\u984d\u4ee5\u4e0a\u3092\u5f15\u304d\u51fa\u3057\u305f\u5834\u5408\u306b\u8ab2\u305b\u3089\u308c\u308b\u8cbb\u7528\u3067\u3059\u3002\u3053\u306e\u984d\u306f\u5927\u304d\u3044\u306e\u3067\u3001\u5f53\u9762\u306f\u7d76\u5bfe\u5fc5\u8981\u306e\u306a\u3044\u304a\u91d1\u3060\u3051\u3092\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u5165\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u624b\u6570\u6599\u306b\u306f\u3053\u308c\u4ee5\u5916\u306e\u3082\u306e\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3057\u3001\u3053\u306e\u5168\u90e8\u3092\u3059\u3079\u3066\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u8ab2\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3044\u308d\u3044\u308d\u306a\u30b3\u30f3\u30d3\u30cd\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3069\u3093\u306a\u8cbb\u7528\uff08\u624b\u6570\u6599\u3001\u30c1\u30e3\u30fc\u30b8\u3001\u6599\u91d1\uff09\u304c\u9593\u63a5\u7684\u3001\u76f4\u63a5\u7684\u306b\u5f15\u304b\u308c\u308b\u306e\u304b\u3092\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3088\u304f\u300c\u3053\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3069\u3046\u3067\u3057\u3087\u3046\uff1f\u300d\u3068\u3001\u5e74\u3005\u3069\u3046\u6b8b\u9ad8\u304c\u5897\u3048\u5e74\u91d1\u984d\u304c\u3044\u304f\u3089\u53d7\u3051\u53d6\u308c\u308b\u304b\u3092\u8a66\u7b97\u3057\u305f\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u8868\u3092\u898b\u305b\u3066\u304f\u3060\u3055\u308b\u304a\u5ba2\u69d8\u304c\u3044\u3089\u3063\u3057\u3083\u308b\u306e\u3067\u3059\u304c\u3001\u305d\u308c\u3089\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u8868\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u524d\u63d0\u3092\u3082\u3068\u306b\u8a08\u7b97\u3057\u3066\u307f\u305f\u8868\u306b\u3059\u304e\u307e\u305b\u3093\u3002\u524d\u63d0\u306e\u4e00\u756a\u5927\u304d\u306a\u8981\u7d20\u306f\u5e02\u5834\u306e\u52d5\u304d\u3067\u3042\u308a\u3001\u3053\u308c\u306f\u3060\u308c\u306b\u3082\u6b63\u78ba\u306b\u4e88\u60f3\u3059\u308b\u3053\u3068\u304c\u96e3\u3057\u3044\u306e\u3067\u3001\u305d\u306e\u3088\u3046\u306a\u8868\u306f\u304b\u306a\u308a\u5927\u96d1\u628a\u306a\u76ee\u5b89\u3067\u3057\u304b\u306a\u304f\u3001\u6c7a\u65ad\u3092\u3059\u308b\u306b\u306f\u4e0d\u9069\u5207\u306a\u3082\u306e\u3067\u3059\u3002\u3069\u3061\u3089\u304b\u3068\u3044\u3046\u3068\u6c7a\u65ad\u306b\u5fc5\u8981\u306a\u306e\u306f\u3001\u4e0a\u8a18\u3067\u3042\u3052\u305f\u3088\u3046\u306a\u3069\u306e\u3088\u3046\u306a\u624b\u6570\u6599\u3001\u6599\u91d1\u3001\u30c1\u30e3\u30fc\u30b8\u304c\u3042\u308b\u304b\u3092\u6d17\u3044\u51fa\u3057\u3001\u305d\u308c\u304c\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u5408\u3046\u304b\u3069\u3046\u304b\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u8cfc\u5165\u3082\u3001\u3082\u306e\u3092\u8cb7\u3046\u6642\u3068\u540c\u3058\u3088\u3046\u306b\u3001\u6599\u91d1\u3068\u4fa1\u5024\u306e\u30c8\u30ec\u30fc\u30c9\u30aa\u30d5\u3067\u6c7a\u3081\u308b\u3079\u304d\u3067\u3059\u3002\u3059\u3079\u3066\u306e\u6599\u91d1\u3092\u628a\u63e1\u3057\u305f\u4e0a\u3067\u3001\u5f97\u3089\u308c\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u6bd4\u8f03\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u96e3\u3057\u3044\u306e\u306f\u3001\u3042\u307e\u308a\u306b\u3082\u5909\u6570\u304c\u591a\u3044\u3053\u3068\u3067\u3059\u3002\u5e02\u5834\u304c\u3069\u3046\u52d5\u304f\u304b\u308f\u304b\u306a\u3089\u3044\u3001\u81ea\u5206\u304c\u3044\u3064\u307e\u3067\u751f\u304d\u308b\u304b\u308f\u304b\u3089\u306a\u3044\u3001\u624b\u6570\u6599\u306a\u3069\u3082\u5e02\u5834\u5229\u56de\u308a\u306b\u57fa\u3065\u3044\u3066\u3044\u308b\u306e\u3067\u3001\u304d\u3061\u3093\u3068\u3057\u305f\u6bd4\u8f03\u691c\u8a0e\u304c\u56f0\u96e3\u3067\u3059\u3002\u982d\u304c\u75db\u3044\u3067\u3059\u306d\u3002\u305d\u306e\u8fba\u308a\u3001\u6b21\u56de\u306b\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u682a\u5f0f\u5e02\u5834\u306b\u4e0d\u5b89\u304c\u3042\u308b\u6642\u671f\u306b\u306f\u3001\u300c\u7740\u5b9f\u306b\u5165\u308b\u914d\u5f53\u91d1\u3084\u5229\u5b50\u304c\u51fa\u308b\u30d5\u30a1\u30f3\u30c9\u300d\u3084\u300c\u4e0a\u308a\u306f\u3057\u3066\u3082\u4e0b\u304c\u3089\u306a\u3044\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u300d\u306a\u3069\u306e\u4eba\u6c17\u304c\u4e0a\u304c\u308b\u50be\u5411\u304c\u3042\u308a\u3001\u524d\u56de\u306f\u3053\u306e\u524d\u8005\u306e\u30b1\u30fc\u30b9\u306e\u914d\u5f53\u91d1\u3084\u5229\u5b50\u3092\u51fa\u3059Income\u3000Fund\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\u3066\u307f\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u5f8c\u8005\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u300c\u3082\u3057\u5e02\u5834\u304c\u4eca\u56de\u306eC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