{"id":5772,"date":"2021-08-23T12:56:14","date_gmt":"2021-08-23T20:56:14","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5772"},"modified":"2021-08-23T12:56:31","modified_gmt":"2021-08-23T20:56:31","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%ef%bc%94%ef%bc%90%ef%bc%91%ef%bc%88%ef%bd%8b%ef%bc%89","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%ef%bc%94%ef%bc%90%ef%bc%91%ef%bc%88%ef%bd%8b%ef%bc%89\/","title":{"rendered":"\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\uff14\uff10\uff11\uff08\uff4b\uff09"},"content":{"rendered":"\n

\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3067401(k)\u3092\u63d0\u4f9b\u3059\u308b\u306b\u306f\u3044\u308d\u3044\u308d\u306a\u30cf\u30fc\u30c9\u30eb\u304c\u3042\u308a\u307e\u3059\u3002401(k)\u306f\u6e96\u62e0\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u6cd5\u5f8b\u3084\u305d\u308c\u3092\u8a18\u9332\u3059\u308b\u66f8\u985e\u63d0\u51fa\u306a\u3069\u3001\u4e8b\u52d9\u7684\u52b4\u529b\u3068\u30b3\u30b9\u30c8\u304c\u9ad8\u304f\u3001\u898f\u6a21\u306e\u5c0f\u3055\u3044\u30d3\u30b8\u30cd\u30b9\u306b\u3068\u3063\u3066\u306f\u5c0e\u5165\u304c\u96e3\u3057\u3044\u3053\u3068\u304c\u307b\u3068\u3093\u3069\u3067\u3057\u305f\u3002\u305d\u3082\u305d\u3082\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3067\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u304c\u306a\u3044\u3068\u3053\u308d\u3082\u3042\u308a\u3001\u307e\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u5c0e\u5165\u3092\u8003\u3048\u308b\u5834\u5408\u306b\u306f\u3001SEP IRA\u3084SIMPLE IRA\u306a\u3069\u4e8b\u52d9\u7684\u30b3\u30b9\u30c8\u304c\u4f4e\u3044\u3082\u306e\u3092\u512a\u5148\u3055\u305b\u308b\u30b1\u30fc\u30b9\u304c\u591a\u304b\u3063\u305f\u3082\u306e\u3067\u3059\u3002\u3068\u3053\u308d\u304c\u6628\u4eca\u3067\u306f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306a\u3069\u306b\u3082\u307f\u3089\u308c\u308b\u3088\u3046\u306b\u3001\u6295\u8cc7\u30b5\u30fc\u30d3\u30b9\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u304c\u9032\u307f\u3001\u30ed\u30fc\u30b3\u30b9\u30c8401(k)\u3092\u63d0\u4f9b\u3059\u308b\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30fc\u30d3\u30b9\u304c\u767b\u5834\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

401(k)\u304c\u3042\u308b\u304b\u306a\u3044\u304b\u306f\u3001\u512a\u79c0\u306a\u793e\u54e1\u306e\u30ea\u30c6\u30f3\u30b7\u30e7\u30f3\u306b\u5927\u304d\u304f\u5f71\u97ff\u3057\u307e\u3059\u3002Vanguard\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u4f4e\u624b\u6570\u6599\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3084ETF\u306a\u3069\u304c\u63d0\u4f9b\u3055\u308c\u3001\u4f7f\u3044\u52dd\u624b\u306e\u826f\u3044401(k)\u304c\u30aa\u30d5\u30a1\u30fc\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u30aa\u30fc\u30ca\u30fc\u81ea\u4f53\u306e\u30e1\u30ea\u30c3\u30c8\u306b\u3082\u306a\u308b\u4e0a\u3001\u793e\u54e1\u306e\u798f\u5229\u539a\u751f\u306b\u5927\u304d\u306a\u30d7\u30e9\u30b9\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u306e401(k)\u30b5\u30fc\u30d3\u30b9\u30d7\u30ed\u30d0\u30a4\u30c0\u306b\u306f\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u3068\u3053\u308d\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

Betterment\u306f\u305d\u3082\u305d\u3082\u500b\u4eba\u6295\u8cc7\u5bb6\u5411\u3051\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3059\u304c\u3001\u3042\u3068\u306e\u4f1a\u793e\u306f\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3092\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3057\u305f401(k)\u63d0\u4f9b\u3092\u5c02\u9580\u306b\u3057\u3066\u3044\u307e\u3059\uff08\u30d7\u30ed\u30d0\u30a4\u30c0\u306b\u3088\u3063\u3066\u306f\u3001SEP IRA\u306a\u3069\u305d\u306e\u4ed6\u306e\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\uff09\u3002<\/p>\n\n\n\n

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\u4f4e\u30b3\u30b9\u30c8\u30fb\u30b7\u30f3\u30d7\u30eb\u306aGuideline.com<\/p>\n\n\n\n

Smart\uff06Responsible\u306f\u3059\u3079\u3066\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u3092\u7814\u7a76\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4eca\u56de\u306f\u3053\u306e\u3046\u3061\u306eGuideline.com\u306b\u7126\u70b9\u3092\u7d5e\u3063\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u306a\u305c\u3001Guideline.com\u3092\u9078\u3093\u3060\u304b\u3068\u3044\u3046\u3068\u3001\u307e\u305a\u306f\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u307b\u3068\u3093\u3069\u304cVanguard\u306e\u4f4e\u624b\u6570\u6599\u30fb\u826f\u8cea\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3002\u5927\u53e3\u6295\u8cc7\u7528\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\u304c\u52b9\u3044\u305fAdmiral\u30b7\u30a7\u30a2\u3067\u306e\u63d0\u4f9b\u3067\u3001\u624b\u6570\u6599\u5e73\u5747\uff08\u4e0a\u56f3\u306eAverage Fund Expense Ratio\uff09\u306f0.07\uff05\u3067\u3059\u3002\u5927\u4f01\u696d\u306e401(K)\u3067\u30b9\u30b1\u30fc\u30eb\u7684\u306a\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\u304c\u52b9\u3044\u3066\u3044\u308b\u3068\u3053\u306e\u30ec\u30d9\u30eb\u306e\u624b\u6570\u6599\u306f\u3088\u304f\u898b\u307e\u3059\u304c\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3067\u5f93\u696d\u54e1\u304c\u5c11\u306a\u3044\u3068\u624b\u6570\u6599\u304c\u975e\u5e38\u306b\u9ad8\u3044\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3067\u3059\u3002\u305d\u3093\u306a\u4e2d\u3001Guideline.com\u306e\u3053\u306e\u4f4e\u624b\u6570\u6599\u306f\u79f0\u8cdb\u306b\u8db3\u308a\u307e\u3059\u3002\u30d5\u30a1\u30f3\u30c9\u6570\u306f40\u7a0b\u5ea6\uff08\u4e0a\u56f3\u306eInvestment Options\uff09\u3067\u4ed6\u3068\u6bd4\u3079\u308b\u3068\u898b\u52a3\u308a\u3059\u308b\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u304c\u3001\u6700\u3082\u3088\u304f\u4f7f\u308f\u308c\u308b\u57fa\u672c\u7684\u91cd\u8981\u30d5\u30a1\u30f3\u30c9\u304c\u3059\u3079\u3066\u542b\u307e\u308c\u3066\u3044\u307e\u3059<\/a>\u304b\u3089\u3053\u306e40\u3067\u5341\u5206\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u30d5\u30a1\u30f3\u30c9\u306e\u624b\u6570\u6599\u304c\u4f4e\u3044\u3060\u3051\u3067\u306a\u304f\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u8cbb\u7528\uff08\u4e0a\u56f3\u306eAdvisory Fee\uff09\u3082\u30bc\u30ed\u3068\u3044\u3046\u3059\u3070\u3089\u3057\u3055\u3067\u3059\u3002\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u8cbb\u7528\u3068\u306f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u3093\u3060\u308a\u305d\u308c\u3092\u7dad\u6301\u3057\u305f\u308a\u306e\u305f\u3081\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u5bfe\u3059\u308b\uff08\u591a\u304f\u306e\u5834\u5408\u4eba\u3067\u306f\u306a\u304f\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u304c\u3084\u308a\u307e\u3059\u304c\uff09\u624b\u6570\u6599\u3067\u6bce\u5e74\u304b\u304b\u308a\u307e\u3059\u3002\u4e0b\u306b\u8aac\u660e\u3057\u307e\u3059\u304c\u3001Guideline.com\u306b\u306f\u3042\u3089\u304b\u3058\u3081\u8a2d\u5b9a\u3055\u308c\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u304c\u3042\u308a\u3001\u305d\u306e\u4e2d\u304b\u3089\u81ea\u5206\u3044\u5408\u3063\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u3092\u9078\u3076\u3060\u3051\u3067\u6295\u8cc7\u304c\u59cb\u307e\u308b\u306e\u3067\u3001\u5e74\u3005\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u8cbb\u7528\u3092\u5fb4\u53ce\u3057\u306a\u304f\u3066\u3088\u3044\u3057\u304f\u307f\u3067\u3059\u3002<\/p>\n\n\n\n

\u4ee5\u4e0a\u3001\u30d5\u30a1\u30f3\u30c9\u8cbb\u7528\u3068\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u8cbb\u7528\u306f\u3001\u30d7\u30e9\u30f3\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u53c2\u52a0\u8005\uff08\u793e\u54e1\uff09\u304c\u652f\u6255\u3046\u3082\u306e\uff08\u4e0a\u56f3\u306eEmployee Pricing\uff09\u3067\u3059\u304c\u3001\u4e00\u65b9\u3067401(k)\u3092\u63d0\u4f9b\u3059\u308b\u96c7\u7528\u4e3b\u30fb\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u304c\u652f\u6255\u3046\u8cbb\u7528\uff08\u4e0a\u56f3\u306eEmployer\u3000Pricing\uff09\u3082\u3042\u308a\u307e\u3059\u3002401(k)\u306e\u30eb\u30fc\u30eb\u6e96\u62e0\u3092\u78ba\u8a8d\uff08\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\uff09\u3057\u305f\u308a\u3001\u8a18\u9332\u4fdd\u6301\u30fb\u5fc5\u8981\u66f8\u985e\u306e\u4f5c\u6210\u30fb\u63d0\u51fa\u3092\u5f15\u304d\u53d7\u3051\u3066\u3082\u3089\u3046\u3053\u3068\u306b\u5bfe\u3059\u308b\u8cbb\u7528\u3067\u3059\u3002<\/p>\n\n\n\n

Guideline.com\u306b\u306f\u3001\uff13\u3064\u306e\u30d7\u30e9\u30f3\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u4e00\u756a\u5b89\u3044\u3082\u306e\u306f\u30d9\u30fc\u30b9\u8cbb\u7528$49\/\u6708(\u4e0a\u56f3\u3067\u306f$39\u3068\u306a\u3063\u3066\u3044\u308b\u304c\u53e4\u3044\u60c5\u5831\u3067\u3059)\uff0b$8\/\u5f93\u696d\u54e1\u3072\u3068\u308a\u30fb\u6708\u3000\u3067\u3059\u3002\u305d\u306e\u6b21\u304c(\u4e0a\u56f3\u306b\u306f\u3042\u308a\u307e\u305b\u3093) \u30d9\u30fc\u30b9\u8cbb\u7528$79\/\u6708\u3001\u4e00\u756a\u9ad8\u3044\u306e\u304c(\u4e0a\u56f3\u306b\u306f\u3042\u308a\u307e\u305b\u3093)\u30d9\u30fc\u30b9\u8cbb\u7528$129\/\u6708\u3067\u3059\u3002\u5f93\u696d\u54e1\u3072\u3068\u308a\u30fb\u6708\u3042\u305f\u308a\u306e$8\u306f\u3069\u306e\u30d7\u30e9\u30f3\u3067\u3082\u5909\u308f\u308a\u307e\u305b\u3093\u3002\u6708\u3005\u306e\u30d9\u30fc\u30b9\u8cbb\u7528\u306e\u5dee\u306f\u3001401(k)\u306e\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3068\u30b5\u30dd\u30fc\u30c8\u306e\u624b\u539a\u3055\u306e\u5dee\u3067\u3059\u3002\u3082\u3063\u3068\u3082\u7c21\u5358\u306b\u30d9\u30fc\u30b7\u30c3\u30af\u306b\u5c0e\u5165\u3067\u304d\u308b\u3082\u306e\u304b\u3089\u3001Employer\u30de\u30c3\u30c1\u3084Vesting\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3057\u305f\u308a\u3001\u624b\u539a\u3044\u30b5\u30dd\u30fc\u30c8\u3092\u5f97\u305f\u3044\u306a\u3089\u3001\u3088\u308a\u9ad8\u3044\u30d7\u30e9\u30f3\u3092\u9078\u3076\u3053\u3068\u306b\u306a\u308a\u307e\u3059(\u4e0a\u56f3\u3067Custom Eligibility Requirements\u3001Custom Profit Sharing Calculations\u3001Vesting Schedules\u306e\u9805\u76ee\u306b\u3001Guideline.com\u3067\u306f\u30c1\u30a7\u30c3\u30af\u30de\u30fc\u30af\u304c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u3088\u308a\u4e0a\u306e\u30d7\u30e9\u30f3\u3092\u9078\u3079\u3070\u53ef\u80fd\u3067\u3059)\u3002<\/p>\n\n\n\n

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\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306f\u3042\u308a\u307e\u305b\u3093<\/p>\n\n\n\n

Guideline.com\u306f\u6b8b\u5ff5\u306a\u304c\u3089\u3001\u6700\u8fd1\u306e401(k)\u3067\u591a\u7528\u3055\u308c\u3066\u3044\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u63d0\u4f9b\u3092\u3057\u3066\u3044\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u4e0b\u306e\uff16\u3064\u306e\u7570\u306a\u308b\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3067\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

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

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

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