{"id":5795,"date":"2021-09-21T05:36:00","date_gmt":"2021-09-21T13:36:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5795"},"modified":"2021-09-27T10:24:34","modified_gmt":"2021-09-27T18:24:34","slug":"roth%e3%82%b3%e3%83%b3%e3%83%90%e3%83%bc%e3%82%b8%e3%83%a7%e3%83%b3%e3%80%80%e3%82%b1%e3%83%bc%e3%82%b9%e3%82%b9%e3%82%bf%e3%83%87%e3%82%a3","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/roth%e3%82%b3%e3%83%b3%e3%83%90%e3%83%bc%e3%82%b8%e3%83%a7%e3%83%b3%e3%80%80%e3%82%b1%e3%83%bc%e3%82%b9%e3%82%b9%e3%82%bf%e3%83%87%e3%82%a3\/","title":{"rendered":"Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3000\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3"},"content":{"rendered":"\n

\u300c\u7bc0\u7a0e\u3059\u308b\u305f\u3081\u306bRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u300d\u3068\u3044\u3046\u3053\u3068\u3092\u304a\u805e\u304d\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u7bc0\u7a0e\u3068\u805e\u304f\u3068\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u662f\u975e\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u304c\u3001\u305d\u3093\u306a\u306b\u8a71\u306f\u7c21\u5358\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4eca\u56de\u306f\u3001\u3053\u306eRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u610f\u7fa9\u3001\u3069\u3093\u306a\u5834\u5408\u306b\u305d\u306e\u5a01\u529b\u304c\u767a\u305b\u3089\u308c\u308b\u304b\u3001\u5b9f\u969b\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306f\u3069\u3093\u306a\u3075\u3046\u306b\u884c\u3046\u306e\u304b\u306a\u3069\u306b\u3064\u3044\u3066\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

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

\u305d\u3082\u305d\u3082Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3063\u3066\uff1f<\/p>\n\n\n\n

\u305d\u3082\u305d\u3082Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u3044\u3046\u306e\u306f\u4f55\u304b\u30fb\u30fb\u3068\u601d\u308f\u308c\u308b\u65b9\u3082\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u306f\u3001Traditional IRA\u3092Roth\u3000IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u3053\u3068\u3092\u8a00\u3044\u307e\u3059\u3002Traditional IRA\u306f\u6240\u5f97\u7a0e\u975e\u8ab2\u7a0e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u304a\u308a\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3046\u3082\u306e\u3067\u3059\u3002Roth IRA\u306f\u6240\u5f97\u7a0e\u3092\u6255\u3063\u305f\u5f8c\u7a4d\u307f\u7acb\u3066\u3001\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u306f\u6240\u5f97\u7a0e\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u305b\u308b\u3082\u306e\u3067\u3059\u3002\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3059\u308b\u304b\u3069\u3046\u304b\u306e\u8b70\u8ad6\u3092\u3059\u308b\u6642\u70b9\u3067\u306f\u3001\u3059\u3067\u306bTraditional IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3092\u3059\u308b\u5bfe\u8c61\u3068\u306a\u308b\u304a\u91d1\u304c\u3042\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

401(k)\u306a\u3069\u306e\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3082\u3001\u901a\u5e38\u306f\uff08Roth\u6307\u5b9a\u3057\u306a\u3044\u9650\u308a\uff09\u6240\u5f97\u7a0e\u975e\u8ab2\u7a0e\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3066\u304a\u308a\u3001Traditional IRA\u3068\u540c\u3058\u3088\u3046\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u96e2\u8077\u6642\u306b\u76f4\u63a5Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u3044\u3063\u305f\u3093\u6b8b\u9ad8\u3092Traditional IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3057\u3001\u305d\u308c\u3092\u5c11\u3057\u305a\u3064Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

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

\u4eca\u306e\u7a0e\u7387\u3000vs\u3000\u5c06\u6765\u306e\u7a0e\u7387<\/p>\n\n\n\n

\u300cRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u300d\u3092\u6c7a\u3081\u308b\u307e\u305a\u7b2c\u4e00\u306e\u8981\u7d20\u306f\u3001\u300c\u4eca\u306e\u6240\u5f97\u7a0e\u7387\u3068\u5c06\u6765\u5f15\u304d\u51fa\u3059\u3068\u304d\u306e\u6240\u5f97\u7a0e\u7387\u3068\u306e\u3069\u3061\u3089\u304c\u4f4e\u3044\u304b\u300d\u3068\u3044\u3046\u8cea\u554f\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u3057\u3066\u3053\u308c\u306f\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3059\u308b\u3068\u304d\u3060\u3051\u3067\u306a\u304f\u3001\u305d\u3082\u305d\u3082\u6700\u521d\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3068\u304d\u306b\u3069\u3061\u3089\u3092\u9078\u3076\u304b\u306e\u554f\u984c\u3068\u3082\u5171\u901a\u3067\u3059\u3002\u300c\u4eca\u7a0e\u91d1\u3092\u6255\u3046\u307b\u3046\u304c\u5f97\u304b\u3001\u305d\u308c\u3068\u3082\u5f8c\u3067\u7a0e\u91d1\u3092\u6255\u3046\u307b\u3046\u304c\u5f97\u304b\u300d\u3068\u3044\u3046\u554f\u984c\u3067\u3042\u308a\u3001\u4eca\u306e\u7a0e\u7387\u306e\u307b\u3046\u304c\u5b89\u3044\u306a\u3089\u3055\u3063\u3055\u3068\u7a0e\u91d1\u3092\u6255\u3063\u3066\u3001\u3042\u3068\u3042\u3068\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u305b\u308b\u306e\u304c\u3044\u3044\u3067\u3059\u3057\u3001\u4eca\u306e\u7a0e\u7387\u306e\u307b\u3046\u304c\u9ad8\u3044\u306a\u3089\u4eca\u306f\u975e\u8ab2\u7a0e\u3067\u514d\u308c\u3001\u3042\u3068\u3042\u3068\u5f15\u304d\u51fa\u3059\u3068\u304d\u306b\u4f4e\u3044\u7a0e\u91d1\u3092\u6255\u3063\u3066\u4f7f\u3046\u3068\u3044\u3046\u307b\u3046\u304c\u3088\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u8003\u3048\u308b\u5178\u578b\u7684\u306a\u30b1\u30fc\u30b9\u3068\u3057\u3066\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u524d\u305d\u308c\u306a\u308a\u306e\u53ce\u5165\u304c\u3042\u3063\u305f\u305f\u3081\u9ad8\u3044\u6240\u5f97\u7a0e\u7387\u3067\u3042\u3063\u305f\u306e\u3067\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u306e\u7a4d\u307f\u7acb\u3066\u306e\u7279\u5178\u3092\u5f97\u308b\u305f\u3081401(k)\u3084Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3066\u3044\u305f\u304c\u3001\u9000\u8077\u3068\u3068\u3082\u306b\u5c31\u52b4\u6240\u5f97\u304c\u306a\u304f\u306a\u308a\u4f4e\u3044\u7a0e\u7387\u306b\u306a\u3063\u305f\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3067\u3059\u3002\u3042\u308b\u3044\u306f\u9000\u8077\u3067\u306a\u304f\u3068\u3082\u3001\u4e00\u6642\u7684\u306b\u6240\u5f97\u304c\u4f4e\u304f\u306a\u3063\u305f\u308a\u5931\u696d\u3057\u305f\u306a\u3069\u306e\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u4e00\u6642\u7684\u306b\u6240\u5f97\u304c\u4f4e\u304f\u306a\u3063\u305f\u5834\u5408\u306f\u30011\u5e74\u3060\u3051\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3068\u306a\u308a\u307e\u3059\u304c\u3001\u524d\u8005\u306e\u9000\u8077\u3068\u3068\u3082\u306b\u6240\u5f97\u304c\u306a\u304f\u306a\u3063\u305f\u30b1\u30fc\u30b9\u3067\u306f\u3001\u8907\u6570\u5e74\u306b\u307e\u305f\u304c\u3063\u3066\u30b3\u30f3\u30d0\u30fc\u30c8\u3092\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

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

A\u3055\u3093\u306e\u5834\u5408<\/p>\n\n\n\n

\u4eca\u56de\u306f\u3001Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u5a01\u529b\u304c\u5927\u304d\u304f\u767a\u63ee\u3067\u304d\u308b\u30b1\u30fc\u30b9\u3092\u5b9f\u969b\u306b\u898b\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u52b9\u679c\u304c\u308f\u304b\u308a\u3084\u3059\u3044\u3088\u3046\u306b\u5c11\u3057\u6975\u7aef\u306a\u4f8b\u306b\u3057\u3066\u3042\u308a\u307e\u3059\u3002\u30b1\u30fc\u30b9\u3068\u3057\u3066\u306f\u3053\u3093\u306a\u304b\u3093\u3058\uff1a<\/p>\n\n\n\n

A\u3055\u3093\u306f\u30b7\u30f3\u30b0\u30eb\u3067\u3059\u3002\u30a2\u30fc\u30ea\u30fc\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u76ee\u6307\u3057\u3066\u82e5\u3044\u3053\u308d\u304b\u3089\u7a4d\u6975\u7684\u306b401(k)\u306b\u7a4d\u307f\u7acb\u3066\u3092\u884c\u3063\u3066\u304d\u307e\u3057\u305f\u3002401(k)\u4ee5\u5916\u306b\u5165\u308a\u304d\u3089\u306a\u3044\u304a\u91d1\u306fBrokerage Account\uff08\u8ab2\u7a0e\u53e3\u5ea7\uff1d\u666e\u901a\u306e\u6295\u8cc7\u53e3\u5ea7\u3067\u3001\u8ab2\u7a0e\u5f8c\u306e\u304a\u91d1\u3067\u6295\u8cc7\u3092\u3059\u308b\uff09\u306b\u7a4d\u307f\u7acb\u3066\u3066\u304d\u307e\u3057\u305f\u300255\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3057\u3001\u5e74\u9593$80,000\u3067\u6b8b\u308a\u306e\u4eba\u751f\u3092\u697d\u3057\u3080\u8a08\u753b\u3067\u3059\u3002\u305b\u3063\u305b\u3068\u8caf\u3081\u305f401(k)\u306b\u306f$1.5\u30df\u30ea\u30aa\u30f3\u304c\u3042\u308a\u3001\u8ab2\u7a0e\u53e3\u5ea7\u306b\u306f$500,000\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

A\u3055\u3093\u306f\u5065\u5eb7\u3067\u304a\u305d\u3089\u304f\u3042\u308b\u7a0b\u5ea6\u306e\u9577\u751f\u304d\u304c\u898b\u8fbc\u307e\u308c\u308b\u305f\u3081\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306f70\u6b73\u307e\u3067\u5f85\u3063\u3066\u53d7\u7d66\u984d\u3092\u4e0a\u3052\u3066\u304b\u3089\u53d7\u7d66\u958b\u59cb\u3092\u3059\u308b\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002\u3088\u3063\u3066\u3001\u9000\u8077\u5f53\u521d\u306f\u307e\u305a\u306fBrokerage Account\u306e\u304a\u91d1\u3092\u4e2d\u5fc3\u306b\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3063\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001401(k)\u306f72\u6b73\u304b\u3089Required Minimum Distribution\uff08RMD\uff1d\u5fc5\u8981\u3068\u4e0d\u8981\u3068\u306b\u304b\u304b\u308f\u3089\u305a\u5f15\u304d\u51fa\u3055\u306d\u3070\u306a\u3089\u306a\u3044\u984d\u3001\u6240\u5f97\u3068\u3057\u3066\u8ab2\u7a0e\u3055\u308c\u308b\uff09\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

A\u3055\u3093\u306f2021\u5e74\u9000\u8077\u3068\u3068\u3082\u306b\u52b4\u50cd\u53ce\u5165\u304c\u30bc\u30ed\u306b\u306a\u308a\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3082\u307e\u3060\u53d7\u7d66\u305b\u305a\u3001Brokerage Account\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u751f\u6d3b\u8cbb\u306b\u5145\u3066\u308b\u305f\u3081\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u306b\u5bfe\u3057\u3066\u306e\u8ab2\u7a0e\u306f\u3042\u308b\u3082\u306e\u306e\u3001\u5927\u304d\u306a\u6240\u5f97\u7a0e\u306f\u3042\u308a\u307e\u305b\u3093\u300270\u6b73\u306e\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u304c\u59cb\u307e\u308b\u307e\u3067\u306e\u4f4e\u6240\u5f97\u6642\u671f\uff082035\u5e74\u307e\u3067\uff09\u3068\u300170\u6b73\u4ee5\u964dRMD\u304c\u59cb\u307e\u308b72\u6b73\u307e\u3067\u306e\u4e2d\u6240\u5f97\u6642\u671f(2035\u5e74\u304b\u30892037\u5e74\u307e\u3067)\u306b\u3001Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u3066\u306f\u3069\u3046\u304b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n\n\n\n

\u3068\u304f\u306b\u3001401(k)\u306b\u306f\u73fe\u6642\u70b9\u3067$1.5\u30df\u30ea\u30aa\u30f3\u306e\u6b8b\u9ad8\u304c\u3042\u308a\u3001\u3053\u308c\u304c\u4eca\u5f8c\u3082\u5229\u56de\u308a\u3092\u751f\u307f\u7d9a\u3051\u308b\u3068\u3001\u304b\u306a\u308a\u307e\u3068\u307e\u3063\u305f\u984d\u306b\u306a\u308a\u3001\u305d\u308c\u306b\u5bfe\u3057\u306672\u6b73\u306eRMD\u306f$100,000\u3092\u8d85\u3048\u308b\u984d\u306b\u306a\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3068\u5408\u308f\u305b\u308c\u3070\u3001\u6240\u5f97\u7a0e\u304c\u304b\u306a\u308a\u5927\u304d\u304f\u306a\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n

401(K)\u3092Traditional IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3057\u3001\u3053\u308c\u3092\u5e74\u3005\u5c11\u3057\u305a\u3064Roth IRA\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u3057\u3066\u3044\u304f\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002\u5177\u4f53\u7684\u306b\u306f\u3001Traditional IRA\u304b\u3089\u306e\u30b3\u30f3\u30d0\u30fc\u30c8\u984d\u304c\u307b\u304b\u306e\u6240\u5f97\uff08Brokerage Account\u306e\u8ab2\u7a0e\u5229\u56de\u308a\u3084\u751f\u6d3b\u8cbb\u78ba\u4fdd\u306b\u3088\u308b\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u7a0e\u306a\u3069\uff09\u3068\u5408\u308f\u305b\u3066\u308224\uff05\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\uff08\u6700\u9ad8\u7a0e\u7387\uff09\u306b\u306f\u7a81\u5165\u305b\u305a\u3001\u305d\u306e\u524d\u306e22%\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u3089\u308c\u308b\u3088\u3046\u306b\u30b3\u30f3\u30d0\u30fc\u30c8\u984d\u3092\u6c7a\u3081\u307e\u3059\u3002<\/p>\n\n\n\n

\u4e0b\u304c\u3001\u305d\u306e\u30d7\u30e9\u30cb\u30f3\u30b0\u30c1\u30e3\u30fc\u30c8\u3067\u3059\u3002\u9ec4\u8272\u3044\u3068\u3053\u308d\u304cRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u984d\u300224%\u306e\u30bf\u30c3\u30af\u30d6\u30e9\u30b1\u30c3\u30c8\u306e\u30e9\u30a4\u30f3\uff08\u53f3\u80a9\u4e0a\u304c\u308a\u306a\u306e\u306f\u3001\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\uff09\u306e\u4e0b\u3001\u3064\u307e\u308a22%\u306e\u7a0e\u7387\u306b\u3068\u3069\u307e\u308b\u3088\u3046\u306b\u6bce\u5e74\u30012037\u5e74\u307e\u3067Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001Traditional IRA\u306e\u6b8b\u9ad8\u304c\u5e74\u3005\u4e0b\u304c\u3063\u3066\u3044\u304d\u307e\u3059\u304b\u3089\u300172\u6b73\u304b\u3089\u59cb\u307e\u308bRMD\u306e\u984d\u3082\u304a\u306e\u305a\u3068\u4f4e\u304f\u306a\u308a\u307e\u3059\u3002\u8584\u3044\u30d6\u30eb\u30fc\u304c70\u6b73\u304b\u3089\u59cb\u307e\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u3001\u7dd1\u304cRMD\u3067\u3059\u3002\u3069\u306e\u5e74\u3082\u62bc\u3057\u306a\u3079\u306622\uff05\u306e\u7a0e\u7387\u306b\u53ce\u307e\u3063\u3066\u3044\u308b\uff0824\uff05\u30e9\u30a4\u30f3\u306e\u4e0b\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u308b\uff09\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u306a\u3051\u308c\u3070\u3001\u7dd1\u306eRMD\u304c\u5927\u5909\u5927\u304d\u304f\u306a\u308a\u300124\uff05\u3084\u305d\u306e\u4e0a\u306e32\uff05\u306e\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\u306b\u9054\u3057\u3066\u3057\u307e\u3046\u5e74\u304c\u3067\u3066\u304d\u3066\u7a0e\u91d1\u304c\u9ad8\u304f\u306a\u308b\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u304c\u56de\u907f\u3055\u308c\u305f\u308f\u3051\u3067\u3059\u3002\u5b9f\u969b\u306b\u3001\u3069\u306e\u304f\u3089\u3044\u7a0e\u91d1\u304c\u7bc0\u7a0e\u3067\u304d\u305f\u304b\u3068\u3044\u3046\u3068\u3001\u53f3\u5074\u306e\u68d2\u30b0\u30e9\u30d5\u306e\u6bd4\u8f03\u3067\uff21\u3055\u3093\u306eLifetime\u3067$229,525\u306e\u7bc0\u7a0e\u306b\u306a\u3063\u305f\u3068\u3044\u3046\u8a08\u7b97\u3067\u3057\u305f\u3002<\/p>\n\n\n\n

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

\u4e0b\u306f\u5e74\u3005\u652f\u6255\u3046\u7a0e\u984d\u306e\u30b0\u30e9\u30d5\u3067\u3059\u3002\u8d64\u3044\u90e8\u5206\u304cRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u305f\u3081\u3001\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u3063\u305f\u7a0e\u91d1\u3067\u3059\u3002\u30b0\u30ec\u30fc\u306e\u90e8\u5206\u306f\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u3088\u3046\u304c\u3057\u306a\u304b\u308d\u3046\u304c\u3001\u304b\u304b\u3063\u305f\u7a0e\u91d1\u3067\u3059\u3002\u6700\u521d\u306e17\u5e74\u9593\u306f\u3068\u3053\u308d\u3069\u3053\u308d\u3001Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u305f\u3081\u7a0e\u91d1\u304c\u5897\u3048\u305f\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u7dd1\u306e\u90e8\u5206\u306f\u3001Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u3066\u3044\u306a\u304b\u3063\u305f\u3089\u3001\u304b\u304b\u3063\u305f\u7a0e\u91d1\u3067\u3059\u3002\u3064\u307e\u308a\u8d64\u3044\u90e8\u5206\u3092\u524d\u6255\u3044\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u7dd1\u306e\u90e8\u5206\u306f\u6255\u308f\u306a\u3044\u3067\u6e08\u3093\u3060\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002A\u3055\u3093\u306e\u5834\u5408\u306f\u3053\u306e\u7dd1\u306e\u7bc0\u7a0e\u3067\u304d\u305f\u3068\u3053\u308d\u304c\u975e\u5e38\u306b\u5927\u304d\u3044\u7d50\u679c\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u8d64\u3044\u3068\u3053\u308d\u3092\u5148\u6255\u3044\u3059\u308b\u3053\u3068\u3067\u3001\u7d50\u679c\u3068\u3057\u3066\u7dd1\u306f\u6255\u308f\u306a\u304f\u3066\u3088\u304f\u306a\u308a\u3001\u8d64\u3068\u30b0\u30ec\u30fc\u3068\u306e\u5408\u8a08\u984d\u304c\u5e74\u3005\u540c\u3058\u304f\u3089\u3044\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u6240\u5f97\u7a0e\u306e\u5bfe\u8c61\u3068\u306a\u308b\u91d1\u984d\u304c\u5e74\u3005\u306a\u3060\u3089\u304b\u3067\u5e73\u5766\u3067\u3042\u308b\u3053\u3068\u3001\u3064\u307e\u308a\u4e00\u5b9a\u306e\u6240\u5f97\u7a0e\u7387\u306b\u3068\u3069\u307e\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u3042\u307e\u308a\u306b\u9ad8\u3044\u6240\u5f97\u7a0e\u3092\u6255\u3046\u5e74\u304c\u306a\u304b\u3063\u305f\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u307e\u3059\u3002\u3053\u308c\u304cRoth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u5a01\u529b\u3067\u3059\u3002<\/p>\n\n\n\n

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

\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u8981\u7d20<\/p>\n\n\n\n

\u3053\u308c\u307b\u3069\u307e\u3067\u306e\u7bc0\u7a0e\u304c\u5b9f\u73fe\u3057\u305f\u7406\u7531\u306f\u3001A\u3055\u3093\u306e\u5834\u5408\u3001\u307e\u305a\uff11\uff09\u5927\u304d\u306a401(k)\/Traditional IRA
\u6b8b\u9ad8\u304c\u3042\u3063\u305f\u3053\u3068\u3001\uff12\uff09\u30a2\u30fc\u30ea\u30fc\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u300170\u6b73\u306a\u308a72\u6b73\u307e\u3067\u306e\u9593\u306b\u9577\u671f\u9593\u3042\u308a\u3001\u5ea6\u91cd\u306a\u308b\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u304c\u53ef\u80fd\u3067\u3042\u3063\u305f\u3053\u3068\u3001\uff13\uff09\u3042\u308b\u7a0b\u5ea6\u307e\u3068\u307e\u3063\u305f\u8ab2\u7a0e\u53e3\u5ea7\u306e\u6b8b\u9ad8\u304c\u3042\u308a\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3059\u308b\u671f\u9593\u306e\u9593\u3001Brokerage Account\u304b\u3089\u306e\u751f\u6d3b\u8cbb\u78ba\u4fdd\u304c\u53ef\u80fd\u3067\u3042\u3063\u305f\u3053\u3068\u3000\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8981\u7d20\u304cA\u3055\u3093\u307b\u3069\u3067\u306a\u3044\u3068\u3001A\u3055\u3093\u307b\u3069Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u306e\u52b9\u679c\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

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

\u6bce\u5e74\u8a08\u7b97\u3057\u3066\u6c7a\u3081\u308b<\/p>\n\n\n\n

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