{"id":5769,"date":"2021-07-13T17:13:00","date_gmt":"2021-07-14T01:13:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5769"},"modified":"2021-07-01T17:44:22","modified_gmt":"2021-07-02T01:44:22","slug":"%e3%82%b9%e3%83%a2%e3%83%bc%e3%83%ab%e3%83%93%e3%82%b8%e3%83%8d%e3%82%b9%e3%81%ae%e3%83%aa%e3%82%bf%e3%82%a4%e3%83%a4%e3%83%a1%e3%83%b3%e3%83%88%e3%83%97%e3%83%a9%e3%83%b3","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e3%82%b9%e3%83%a2%e3%83%bc%e3%83%ab%e3%83%93%e3%82%b8%e3%83%8d%e3%82%b9%e3%81%ae%e3%83%aa%e3%82%bf%e3%82%a4%e3%83%a4%e3%83%a1%e3%83%b3%e3%83%88%e3%83%97%e3%83%a9%e3%83%b3\/","title":{"rendered":"\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3"},"content":{"rendered":"\n

\u305f\u3068\u3048\u4e00\u4eba\u3060\u3051\u3067\u3084\u3063\u3066\u3044\u308b\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3067\u3082\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u6301\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3092\u3054\u5b58\u3058\u3067\u3057\u3087\u3046\u304b\u3002\u4e00\u4eba\u30d3\u30b8\u30cd\u30b9\u304b\u3089\u3042\u308b\u7a0b\u5ea6\u306e\u5927\u304d\u3055\u306e\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u307e\u3067\u3067\u4f7f\u3048\u308b\u3044\u304f\u3064\u304b\u306e\u30d7\u30e9\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u4eca\u56de\u306f\u305d\u308c\u3089\u9078\u629e\u80a2\u306e\u3046\u3061\u3001Self-Employed\u3000401(k)\u3001SEP IRA\u3001SIMPLEIRA\u306e\uff13\u3064\u306b\u3064\u3044\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

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

Self-Employed 401\uff08\uff4b\uff09<\/h1>\n\n\n\n

Self-Employed 401(k)\u306f\u3001Solo 401(k), Individual 401(k)\u3068\u3082\u547c\u3070\u308c\u307e\u3059\u3002\u305d\u306e\u540d\u306e\u901a\u308a\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u306e\u305f\u3081\u3060\u3051\u306e401(k)\u3067\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u672c\u4eba\u3068\u3001\u3082\u3057\u914d\u5076\u8005\u3082\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u308f\u3063\u3066\u3044\u308c\u3070\u914d\u5076\u8005\u3082\u53c2\u52a0\u53ef\u80fd\u3067\u3059\u3002\u53c2\u52a0\u304c\u8a31\u3055\u308c\u308b\u306e\u306f\u672c\u4eba\u3068\u914d\u5076\u8005\u306e\u307f\u3067\u3001\u4ed6\u306b\u5f93\u696d\u54e1\u304c\u3044\u308b\u5834\u5408\u306b\u306f\u5229\u7528\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u7a4d\u307f\u7acb\u3066\u306f\u3001\u672c\u4eba\uff08\u3068\u3001\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u308f\u3063\u3066\u3044\u308b\u914d\u5076\u8005\u304c\u3044\u308c\u3070\u914d\u5076\u8005\u3082\uff09\u304c\u3059\u308b\u308f\u3051\u3067\u3059\u304c\u3001\uff12\u3064\u306e\u8981\u7d20\u304c\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u3064\u306f\u672c\u4eba\u304cEmployee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u308b\u90e8\u5206\u3067\u3001\u3082\u3046\u3072\u3068\u3064\u306f\u672c\u4eba\u304cEmployer\uff08\u96c7\u7528\u4e3b\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u308b\u90e8\u5206\u3067\u3059\u3002Employee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u308b\u5206\u306f\u3001\u672c\u4eba\u306e\u6240\u5f97\u7a0e\u63a7\u9664\u306b\u306a\u308a\u307e\u3059\u3002Employer\uff08\u96c7\u7528\u4e3b\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u308b\u5206\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u8cbb\u7528\u3068\u306a\u308a\u30d3\u30b8\u30cd\u30b9\u5229\u76ca\u306b\u304b\u304b\u308b\u6240\u5f97\u7a0e\u304c\u524a\u6e1b\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

Employee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u306e\u306f\u3001$19,500(2021\u5e74)\u307e\u3067\u3067\u3059\u3002\u3000Compensation\u304c\u305d\u308c\u3088\u308a\u4f4e\u3044\u5834\u5408\u306f\u305d\u308c\u304c\u9650\u5ea6\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

Employer\uff08\u96c7\u7528\u4e3b\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u53ef\u80fd\u306a\u306e\u306f\u3001Compensation\uff08Employee\u3068\u3057\u3066\u3082\u3089\u3063\u3066\u3044\u308b\u7d66\u6599\uff09\u304b\u3001\u3042\u308b\u3044\u306fNet self-employed income(1\/2\u306eSelf-Employment Tax\u3001Employer\u3068\u3057\u3066\u306eSolo 401(k)\u7a4d\u307f\u7acb\u3066\u306a\u3069\u3001\u3059\u3079\u3066\u306e\u30d3\u30b8\u30cd\u30b9\u8cbb\u7528\u3092\u5dee\u5f15\u5f8c)\u306e25\uff05\u307e\u3067\u3067\u3059\u3002\u7a4d\u7acb\u53ef\u80fd\u984d\u3092\u8a08\u7b97\u3059\u308b\u306e\u306b\u3001\u7a4d\u7acb\u984d\u984d\u81ea\u4f53\u304c\u8a08\u7b97\u3067\u4f7f\u308f\u308c\u308b\u3068\u3044\u3046\u300c\u5faa\u74b0\u300d\u304c\u3042\u308a\u3001\u8a08\u7b97\u304c\u8907\u96d1\u3067\u3059\u304c\u3001\u76ee\u5b89\u3068\u3057\u3066Net self-employed income\u306e20\uff05\u3068\u899a\u3048\u3066\u304a\u304f\u3068\u3088\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u5f62\u614b\u306a\u3069\u306b\u3082\u3088\u308a\u307e\u3059\u306e\u3067\u3001\u4f1a\u8a08\u58eb\u3055\u3093\u3068\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n

Employee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u306e\u7a4d\u307f\u7acb\u3066\u3068Employer\uff08\u96c7\u7528\u4e3b\uff09\u3068\u3057\u3066\u306e\u7a4d\u307f\u7acb\u3066\u306e\u30c8\u30fc\u30bf\u30eb\u306b\u5bfe\u3057\u3066\u7dcf\u5408\u9650\u5ea6\u984d\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001$58,000(2021\u5e74)\u3067\u3059\u3002\u3055\u3089\u306b\u300150\u6b73\u4ee5\u4e0a\u3067\u3042\u308c\u3070\u3001Employee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u984d\u304c\u3055\u3089\u306b\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u5206\u3068\u3057\u3066$6,500\u8ffd\u52a0\u306b\u306a\u308a\u307e\u3059\u3002\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u914d\u5076\u8005\u3082\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u308f\u3063\u3066\u3044\u308c\u3070\u3001\u914d\u5076\u8005\u5206\u3092\u5225\u9014\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u672c\u4eba\u3068\u914d\u5076\u8005\u306eCompensation\u306a\u3069\u306e\u8a2d\u5b9a\u306e\u4ed5\u65b9\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u6700\u5927\u9650\u3067\u306f$58,000\uff582\u4eba\u5206\uff0850\u6b73\u4ee5\u4e0a\u306a\u3089\u3072\u3068\u308a$6,500\u8ffd\u52a0\uff09\u3068\u3044\u3046\u5927\u304d\u306a\u984d\u304c\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u6c7a\u307e\u3063\u305f\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3092\u7a4d\u307f\u7acb\u3066\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u306f\u306a\u304f\u3001\u305d\u306e\u5e74\u305d\u306e\u5e74\u306e\u5229\u76ca\u3092\u898b\u3066\u3001\u3044\u304f\u3089\u7a4d\u307f\u7acb\u3066\u305f\u3044\u304b\u3092\u6c7a\u3081\u3089\u308c\u308b\u3068\u3044\u3046\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u3042\u308a\u307e\u3059\u3002\u904b\u55b6\u3084\u5e74\u6b21\u5831\u544a\u306a\u3069\u306e\u8ca0\u62c5\u3082\u5c0f\u3067\u3059\u3002<\/p>\n\n\n\n

Solo 401(k)\u306f\u500b\u4eba\u7684\u306aIRA\u3092\u958b\u304f\u306e\u3068\u540c\u3058\u3088\u3046\u306a\u624b\u8efd\u3055\u3067\u958b\u8a2d\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u8a2d\u5b9a\u306b\u306f\u3001EIN(Employee Identification Number)\u304c\u5fc5\u8981<\/a>(\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u7533\u8acb\u53ef\u80fd)\u3067\u3059\u3002\u53e3\u5ea7\u958b\u8a2d\u306f\u305d\u306e\u5e74\u306e12\u6708\u672b\u65e5\u307e\u3067\u306b\u884c\u3044\u307e\u3059\u3002Employee\uff08\u5f93\u696d\u54e1\uff09\u3068\u3057\u3066\u306e\u7a4d\u7acb\u3066\u984d\u306f\u300112\u6708\u672b\u65e5\u307e\u3067\u306b\u6c7a\u5b9a\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u5b9f\u969b\u306e\u7a4d\u307f\u7acb\u3066\u306f\u7fcc\u5e74\u306e4\u6708\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u306e\u671f\u65e5(\u901a\u5e38\u3001\u7fcc\u5e74\u306e4\/15\u3002\u5e74\u306b\u3088\u308a\u591a\u5c11\u524d\u5f8c)\u307e\u3067\u306b\u884c\u3048\u3070\u3088\u3044\u3088\u3046\u3067\u3059\u3002Employer\uff08\u96c7\u7528\u4e3b\uff09\u3068\u3057\u3066\u306e\u7a4d\u307f\u7acb\u3066\u3082\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u306e\u671f\u65e5\u307e\u3067\u306b\u884c\u3048\u3070\u3088\u3044\u3088\u3046\u3067\u3059\u3002\u500b\u3005\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u72b6\u6cc1\u306b\u3088\u308a\u307e\u3059\u306e\u3067\u3001\u8a73\u7d30\u306f\u4f1a\u8a08\u58eb\u3055\u3093\u306b\u76f8\u8ac7\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

SEP IRA<\/h1>\n\n\n\n

SEP IRA \u306eSEP\u306fSimplified Employee Pension\u306e\u7565\u3067\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u304c\u3064\u304f\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3067\u3059\u3002SEP IRA\u3078\u306e\u7a4d\u7acb\u306f\u96c7\u7528\u4e3b\uff08\u30aa\u30fc\u30ca\u30fc\uff09\u306e\u307f\u304c\u884c\u3044\u307e\u3059\u3002\u7a4d\u307f\u7acb\u3066\u306f\u3001\u305d\u306e\u5e74\u5206\u306e\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u306e\u671f\u65e5(\u901a\u5e38\u3001\u7fcc\u5e74\u306e4\/15\u3002\u5e74\u306b\u3088\u308a\u591a\u5c11\u524d\u5f8c)\u307e\u3067\u53ef\u80fd\u3067\u3059\u3002\u6c7a\u307e\u3063\u305f\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3092\u7a4d\u307f\u7acb\u3066\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u306f\u306a\u304f\u3001\u305d\u306e\u5e74\u305d\u306e\u5e74\u306e\u5229\u76ca\u3092\u898b\u3066\u3001\u3044\u304f\u3089\u7a4d\u307f\u7acb\u3066\u305f\u3044\u304b\u3092\u6c7a\u3081\u3089\u308c\u308b\u3068\u3044\u3046\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u3042\u308a\u307e\u3059\u3002\u904b\u55b6\u3084\u5e74\u6b21\u5831\u544a\u306a\u3069\u306e\u8ca0\u62c5\u3082\u5c0f\u3067\u3059\u3002<\/p>\n\n\n\n

SEP IRA\u306f\u96c7\u7528\u8005\u3068\u3057\u3066\u306e\u7a4d\u307f\u7acb\u3066\u306f\u3067\u304d\u305a\u3001\u96c7\u7528\u4e3b\u306e\u307f\u306e\u7a4d\u7acb\u3067\u3059\u3002\u96c7\u7528\u4e3b\u306f\u3001\u96c7\u7528\u8005\u306e\u7d66\u6599\u306e25\uff05\u307e\u3067\uff08Self-employed\u306a\u3089\u3001\u524d\u8ff0\u300c\u5faa\u74b0\u300d\u8a08\u7b97\u306e\u305f\u3081Net self-employed income 20\uff05\uff09\u3092\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u6700\u5927\u9650\u5ea6\u306f$58,000\uff082021\u5e74\uff09\u3067\u3059\u3002\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u3067\u5927\u304d\u306a\u53ce\u5165\u306e\u3042\u308b\u65b9\u306f\u3001\u305d\u306e25\uff05\u307e\u3067\u3092\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u308b(\u96c7\u7528\u4e3b\u3068\u3057\u3066)\u306e\u306f\u5927\u304d\u306a\u7279\u5178\u3067\u3059\u3002\u307e\u305f\u3001\u5e74\u3005\u306e\u53ce\u5165\u306b\u30a2\u30c3\u30d7\u30c0\u30a6\u30f3\u304c\u3042\u308b\u5834\u5408\u306b\u3082\u3001\u5e74\u3005\u3044\u304f\u3089\u7a4d\u307f\u7acb\u3066\u308b\u304b\u3092\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u5909\u66f4\u3067\u304d\u308b\u3068\u3044\u3046\u306e\u3082\u7279\u5178\u3067\u3059\u3002<\/p>\n\n\n\n

\u914d\u5076\u8005\u3082\u540c\u3058\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u308f\u3063\u3066\u304a\u308a\u7d66\u6599\u3092\u5f97\u3066\u3044\u308b\u306a\u3089\u3001\u305d\u306e25\uff05\u307e\u3067\u3092\u96c7\u7528\u4e3b\u7a4d\u307f\u7acb\u3066\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u592b\u5a66\u3067\u306e\u7a4d\u307f\u7acb\u3066\u984d\u304c\u5927\u304d\u304f\u5897\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u4e00\u5b9a\u306e\u5e74\u9f62\u3067\u4e00\u5b9a\u306e\u6761\u4ef6\u4ee5\u4e0a\u3067\u50cd\u3044\u3066\u3044\u308b\u5f93\u696d\u54e1\uff0821\u6b73\u4ee5\u4e0a\u30013\u5e74\u52e4\u52d9\u3001$650\u4ee5\u4e0a\u306e\u5831\u916c\u3092\u5f97\u308b\u8005\uff09\u304c\u3044\u308b\u5834\u5408\u306f\u3001\u5f7c\u3089\u306b\u5bfe\u3057\u3066\u3082\u3053\u306eSEP IRA\u3092\u540c\u69d8\u306b\u63d0\u4f9b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u5f93\u696d\u54e1\u306e\u798f\u5229\u306b\u529b\u3092\u5165\u308c\u305f\u3044\u5834\u5408\u306b\u306f\u3088\u3044\u3067\u3059\u304c\u3001\u3067\u304d\u308b\u9650\u308a\u798f\u5229\u539a\u751f\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u305f\u3044\u65b9\u306b\u306f\u4e0d\u5411\u304d\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

SIMPLE IRA<\/h1>\n\n\n\n

SIMPLE IRA\u306eSIMPLE\u306fSavings Incentive Match Plan for Employees\u306e\u7565\u3067\u3001\u5f93\u696d\u54e1(\u96c7\u7528\u8005)\u306b\u305d\u308c\u305e\u308c\u306eIRA\u53e3\u5ea7\u3092\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u3057\u3001\u5f93\u696d\u54e1\u304c\u7a4d\u307f\u7acb\u3066\u3001\u96c7\u7528\u4e3b\u304c\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3092\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002100\u4eba\u4ee5\u4e0b\u306e\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\u307f\u304c\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002401(k)\u306a\u3069\u306e\u3088\u3046\u306b\u904b\u55b6\u30fb\u5831\u544a\u7fa9\u52d9\u306e\u8ca0\u62c5\u304c\u9ad8\u304f\u306a\u3044\u306e\u3067\u3001\u4f4e\u30b3\u30b9\u30c8\u3067\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u305f\u3044\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306b\u9069\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u7a4d\u7acb\u306f\u3001\u5f93\u696d\u54e1\u3068\u96c7\u7528\u4e3b\u3068\u3069\u3061\u3089\u3082\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5f93\u696d\u54e1\u306f$13,500(2021\u5e74\u300250\u6b73\u4ee5\u4e0a\u3067\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u3068\u3057\u3066\u8ffd\u52a0\u3067$3,000)\u307e\u3067\u3092\u3001\u7d66\u6599\u5929\u5f15\u304d\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002401(k)\u306f$19,500\uff08\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7$6,500\uff09\u304c\u7a4d\u7acb\u9650\u5ea6\u3067\u3059\u306e\u3067\u3001\u305d\u308c\u306b\u6bd4\u3079\u308b\u3068\u7a4d\u7acb\u9650\u5ea6\u304c\u4f4e\u3044\u3067\u3059\u3002<\/p>\n\n\n\n

SIMPLE\u3000IRA\u306f\u3001\u96c7\u7528\u4e3b\u304c\u5f93\u696d\u54e1\u306e\u305f\u3081\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u3053\u3068\u304c\u5fc5\u9808\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u30022\u3064\u306e\u65b9\u6cd5\u306e\u3046\u3061\u3001\u3069\u3061\u3089\u304b\u3092\u9078\u3076\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3072\u3068\u3064\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u5f93\u696d\u54e1\u306e\u7d66\u6599\u306e\u4e00\u5f8b\uff12\uff05\u3092\u7a4d\u307f\u7acb\u3066\u308b\u65b9\u6cd5\uff08\u3053\u308c\u306f\u5f93\u696d\u54e1\u81ea\u8eab\u304c\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u304b\u3069\u3046\u304b\u306b\u304b\u304b\u308f\u3089\u305a\u4e00\u5f8b\uff12\uff05\uff09\u3001\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u5f93\u696d\u54e1\u304c\u7a4d\u307f\u7acb\u3066\u3092\u3057\u305f\u3089\u3001\u305d\u308c\u306b\u30de\u30c3\u30c1\u3059\u308b\u5f62\u3067\u7d66\u6599\u306e\uff13\uff05\u307e\u3067\u3092\u7a4d\u307f\u7acb\u3066\u308b\u65b9\u6cd5\u3067\u3059\u3002\u96c7\u7528\u4e3b\u7a4d\u307f\u7acb\u3066\u306e\u5bfe\u8c61\u7d66\u4e0e\u306b\u6700\u5927\u9650\u5ea6\u304c\u8a2d\u5b9a\u3057\u3066\u3042\u308a\u3001$290,000(2021\u5e74)\u3067\u3059\u3002\u3053\u308c\u3092\u8d85\u3048\u305f\u7d66\u4e0e\u90e8\u5206\u306b\u3064\u3044\u3066\u306f\u3001\uff12\uff05\u306a\u308a\uff13\uff05\u306a\u308a\u306e\u96c7\u7528\u4e3b\u7a4d\u307f\u7acb\u3066\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u5f93\u696d\u54e1\u81ea\u8eab\u306e\u7a4d\u307f\u7acb\u3066\u3082\u3001\u96c7\u7528\u4e3b\u306e\u7a4d\u307f\u7acb\u3066\u3082\u3001\u5373\u6642\u306bvest\uff08\u5f93\u696d\u54e1\u306e\u3082\u306e\u306b\u306a\u308b\uff09\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

\u5f93\u696d\u54e1\u3068\u3057\u3066\u307f\u306a\u3055\u308c\u308b\u306e\u306f\u3001$5,000\/\u5e74\u4ee5\u4e0a\u306e\u5831\u916c\u3092\u5f97\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u8005\u5168\u54e1\u3067\u3059\u3002<\/p>\n\n\n\n

SIMPLE IRA\u3068\u540c\u3058\u3088\u3046\u306a\u30eb\u30fc\u30eb\u3067\u63d0\u4f9b\u3055\u308c\u308b\u3082\u306e\u306b\u3001SIMPLE 401(k)\u3068\u3044\u3046\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u307b\u3068\u3093\u3069\u30eb\u30fc\u30eb\u306f\u4f3c\u3066\u3044\u307e\u3059\u304c\u3001SIMPLE IRA\u306f\u3001\u30d7\u30e9\u30f3\u306b\u53c2\u52a0\u3067\u304d\u308b\u6761\u4ef6\u304c\u9055\u3044\u3001\u53c2\u52a0\u8cc7\u683c\u304c\u3042\u308b\u306e\u306f21\u6b73\u4ee5\u4e0a\u30011\u5e74\u4ee5\u4e0a\u52e4\u52d9\u306e\u6761\u4ef6\u3092\u30af\u30ea\u30a2\u3057\u305f\u8005\u3068\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

SIMPLE IRA\u3084SIMPLE401(k)\u306f\u904b\u55b6\u30fb\u7dad\u6301\u304c\u6bd4\u8f03\u7684\u30b7\u30f3\u30d7\u30eb\u306a\u306e\u304c\u5229\u70b9\u3067\u3059\u304c\u3001\u7a4d\u307f\u7acb\u3066\u9650\u5ea6\u304c\u4f4e\u3044\u306e\u3067\u3001\u5927\u304d\u306a\u81ea\u55b6\u5229\u76ca\u304c\u3042\u308b\u4eba\u3067\u591a\u304f\u3092\u7a4d\u307f\u7acb\u3066\u305f\u3044\u3068\u304d\u306b\u306f\u4e0d\u5411\u304d\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

\u305f\u3068\u3048\u4e00\u4eba\u3060\u3051\u3067\u3084\u3063\u3066\u3044\u308b\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3067\u3082\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u6301\u3064\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3092\u3054\u5b58\u3058\u3067\u3057\u3087\u3046\u304b\u3002\u4e00\u4eba\u30d3\u30b8\u30cd\u30b9\u304b\u3089\u3042\u308b\u7a0b\u5ea6\u306e\u5927\u304d\u3055\u306e\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u307e\u3067\u3067\u4f7f\u3048\u308b\u3044\u304f\u3064\u304b\u306e\u30d7\u30e9\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u4eca\u56de\u306f\u305d\u308c\u3089\u9078\u629e\u80a2\u306e\u3046\u3061\u3001Self-Employed\u3000401(k)\u3001SEP IRA\u3001SIMPLEIRA\u306e\uff13\u3064\u306b\u3064\u3044\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002 Self-Employed 401\uff08\uff4b\uff09 Self-Employed 401(k)\u306f\u3001Solo 401(k), Individual 401(k)\u3068\u3082\u547c\u3070\u308c\u307e\u3059\u3002\u305d\u306e\u540d\u306e\u901a\u308a\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u306e\u305f\u3081\u3060\u3051\u306e401(k)\u3067\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u672c\u4eba\u3068\u3001\u3082\u3057\u914d\u5076\u8005\u3082\u30d3\u30b8 …<\/p>\n","protected":false},"author":1,"featured_media":5566,"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":[38],"tags":[],"class_list":["post-5769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2020\/11\/pexels-pixabay-264537.jpg?fit=%2C&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1v3","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5769","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=5769"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5769\/revisions"}],"predecessor-version":[{"id":5771,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5769\/revisions\/5771"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/5566"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=5769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=5769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=5769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}