{"id":5971,"date":"2022-01-25T09:33:00","date_gmt":"2022-01-25T17:33:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5971"},"modified":"2022-02-02T16:39:22","modified_gmt":"2022-02-03T00:39:22","slug":"%e3%83%99%e3%82%b9%e3%83%88%e3%80%80%e3%82%bf%e3%83%bc%e3%82%b2%e3%83%83%e3%83%88%e3%83%87%e3%82%a4%e3%83%88%e3%83%95%e3%82%a1%e3%83%b3%e3%83%89%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e3%83%99%e3%82%b9%e3%83%88%e3%80%80%e3%82%bf%e3%83%bc%e3%82%b2%e3%83%83%e3%83%88%e3%83%87%e3%82%a4%e3%83%88%e3%83%95%e3%82%a1%e3%83%b3%e3%83%89%ef%bc%9f\/","title":{"rendered":"\u30d9\u30b9\u30c8\u3000\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\uff1f"},"content":{"rendered":"\n

Morningstar\u793e\u304c\u3001Best Target Date Funds Ranking\u3068\u3044\u3046\u306e\u3092\u51fa\u3057\u3066\u3044\u307e\u3059\u3002\u6700\u65b0\u7248\u306f\u53bb\u5e742021\u5e74\u306e\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u30c8\u30c3\u30d710\u306f\u3053\u3093\u306a\u611f\u3058\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u3053\u308c\u3092\u898b\u305f\u3068\u304d\u5c11\u3005\u9a5a\u304d\u307e\u3057\u305f\u3002BlackRock\u3042\u305f\u308a\u304c\u4e00\u4f4d\u3068\u3044\u3046\u306e\u306f\u3088\u3044\u306b\u3057\u3066\u3082\u3001Pimco\u3084JPMorgan\u306b\u3064\u3044\u3066\u306f\u300c\u3078\u3048\uff5e\uff01\u300d\u3068\u3044\u3046\u611f\u3058\u3067\u3001Expense Ratio\uff08\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\uff09\u304c0.51\u3068\u304b0.52\u3068\u304b\u306eT.Rowe Price\u306b\u95a2\u3057\u3066\u306f\u300c\u672c\u5f53\u306b\uff5e\uff01\u300d\u3068\u3044\u3046\u611f\u304c\u514d\u308c\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3057\u304b\u3082\u79c1\u304c\u5927\u597d\u304d\u306aVanguard \u306f8\u4f4d\u3002\u3053\u308c\u306f\u3061\u3087\u3063\u3068\u8003\u3048\u3092\u76f4\u3055\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u304b\u3082\u30fb\u30fb\u30fb\u3068\u601d\u3044\u3001\u5c11\u3057\u8abf\u3079\u3066\u307f\u305f\u7d50\u679c\u3092\u5831\u544a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

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

\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d9\u30fc\u30b9\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306a\u3089<\/p>\n\n\n\n

\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u305d\u306e\u4e2d\u306bUS\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3001\u5916\u56fd\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3001US\u50b5\u6a29\u30d5\u30a1\u30f3\u30c9\u3001\u5916\u56fd\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u3001\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306fREIT\u306a\u3069\u3082\u591a\u5c11\u542b\u3093\u3060\u7dcf\u5408\u30d1\u30c3\u30b1\u30fc\u30b8\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u3001\u305d\u308c\u305e\u308c\u306e\u30d5\u30a1\u30f3\u30c9\u306f\u305d\u308c\u305e\u308c\u306e\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u8ffd\u968f\u3059\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u3059\u3002\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u8ffd\u968f\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u540c\u3058\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u3092\u8ffd\u3063\u3066\u3044\u308b\u304b\u304e\u308a\u3001\u3069\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u3082\u307b\u307c\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u5dee\u304c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u500b\u3005\u306e\u30a4\u30f3\u30c7\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3067\u5dee\u304c\u307b\u3068\u3093\u3069\u306a\u3051\u308c\u3070\u3001\u305d\u308c\u3092\u30d1\u30c3\u30b1\u30fc\u30b8\u306b\u3057\u3066\u3044\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3067\u3082\u7406\u8ad6\u4e0a\u306f\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u5dee\u304c\u306a\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u3068\u306f\u3044\u3048\u3001\u5b9f\u969b\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u5dee\u306f\u3042\u308a\u307e\u3059\u3002\u5dee\u306e\u539f\u56e0\u306f\u3001<\/p>\n\n\n\n

\uff11\uff09\u8ffd\u968f\u3059\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u304c\u9055\u3046\u3001\u3042\u308b\u3044\u306f\u540c\u3058\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u3092\u8ffd\u968f\u3057\u3066\u3044\u3066\u3082\u3001\u8ffd\u968f\u306e\u5ea6\u5408\u3044\u306b\u5dee\u304c\u3042\u308b\u3053\u3068\u3002\u540c\u3058\u5e02\u5834\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u3092\u30d9\u30fc\u30b9\u306b\u3057\u3066\u3044\u3066\u3082\u3042\u308b\u7a0b\u5ea6\u5c0f\u3055\u306a\u9298\u67c4\u306a\u3069\u306f\u6392\u9664\u3057\u3066\u3044\u308b\u3053\u3068\u3082\u3042\u3063\u305f\u308a\u3001\u307e\u305f\u8ffd\u968f\u306e\u901f\u3055\u3001\u6b63\u78ba\u3055\u306b\u5dee\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n

\uff12\uff09\u540c\u3058\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u3092\u8ffd\u968f\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u3092\u4f7f\u3063\u3066\u3044\u305f\u3068\u3057\u3066\u3082\u3001\u5e74\u53f7\u3054\u3068\u306e\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u6bd4\u7387\u304c\u7570\u306a\u308b\u3053\u3068\u3002\u305f\u3068\u3048\u3070\u3001A\u793e\u306e2060\u3068B\u793e\u306e2060\u3067\u306f\u3001\u4e2d\u8eab\u3092\u898b\u305f\u3068\u304d\u3001US\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3001\u5916\u56fd\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3001US\u50b5\u6a29\u30d5\u30a1\u30f3\u30c9\u3001\u5916\u56fd\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u306e\u305d\u308c\u305e\u308c\u306e\u6bd4\u7387\u304c\u9055\u3046\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u9055\u3048\u3070\u3001\u901a\u5e38\u306f\u682a\u5f0f\u6bd4\u7387\u304c\u5927\u304d\u3044\u307b\u3046\u304c\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u3088\u304f\u3066\u3042\u305f\u308a\u307e\u3048\u3067\u3059\uff08\u9ad8\u30ea\u30b9\u30af\u9ad8\u30ea\u30bf\u30fc\u30f3\uff09\u3002<\/p>\n\n\n\n

\uff13\uff09Expense Ratio\uff08\u624b\u6570\u6599\uff09\u306b\u5dee\u304c\u3042\u308b\u3053\u3068\u3002\u624b\u6570\u6599\u304c\u9ad8\u3051\u308c\u3070\u3001\u5229\u56de\u308a\u3092\u55b0\u3044\u307e\u3059\u304b\u3089\u3001\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306f\u60aa\u304f\u3066\u5f53\u7136\u3067\u3059\u3002<\/p>\n\n\n\n

\u308f\u305f\u3057\u7684\u306b\u306f\u3001\uff13\uff09\u304c\u6700\u3082\u9855\u8457\u306b\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u5f71\u97ff\u3059\u308b\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u305f\u306e\u3067\u3001\u7279\u306bT. Rowe Price\u3064\u3044\u3066\u306f\u7591\u554f\u3067\u3057\u305f\u3002\u305d\u3057\u3066\u3001\u540c\u3058\u624b\u6570\u65990.09\uff05\u3067\u3082Vanguard\u3088\u308aBlackRock\u306e\u307b\u3046\u304c\u5927\u304d\u304f\u30e9\u30f3\u30ad\u30f3\u30b0\u304c\u3088\u3044\u306e\u306f\u306a\u305c\u304b\u30fb\u30fb\u30fb\u3002<\/p>\n\n\n\n

\u307e\u3042\u3001\u3053\u308c\u306fMorningstar\u793e\u306e\u3053\u306e\u30ec\u30dd\u30fc\u30c8\u3092\u8a73\u3057\u304f\u8aad\u3093\u3067\u307f\u308c\u3070\u308f\u304b\u308b\u3053\u3068\u306a\u306e\u304b\u3082\u3057\u308c\u306a\u3044\u306e\u3067\u3059\u304c\u3001\u79c1\u306f\u3053\u306e\u6709\u6599\u30ec\u30dd\u30fc\u30c8\u306f\u8aad\u3093\u3067\u304a\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u304b\u308f\u308a\u3001\u3061\u3087\u3063\u3068\u6bd4\u3079\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n\n\n\n

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

BlackRock\u3000vs\u3000Vanguard<\/p>\n\n\n\n

\u4ee5\u4e0b\u304c\u3001Vanguard Target Retirement 2060 Institutional\uff08Portfolio A\u8d64\uff09\u3068BlackRock Lifepath Index 2060K\uff08Portfolio B\u9ed2\uff09\u306e\u904e\u53bb\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u30b0\u30e9\u30d5\u3067\u3059\u3002Institutional\u3068\u3044\u3046\u306e\u306f\u3001\u4f01\u696d\u3084\u56e3\u4f53\u306e401(k)\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u7528\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u500b\u4eba\u3067\u306f\u8cfc\u5165\u3067\u304d\u306a\u3044\u3082\u306e\u3067\u3059\u3002BlackRock\u306e\u307b\u3046\u306e\u6700\u5f8c\u306eK\u3068\u3044\u3046\u306e\u3082\u540c\u3058\u3053\u3068\u3067\u3001\u4f01\u696d\u30fb\u56e3\u4f53\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u7528\u3067\u3042\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

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

\u4e0a\u306e\u30b0\u30e9\u30d5\u304b\u3089\u307e\u305a\u3001\u4e8c\u3064\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306f\u307b\u307c\u4f3c\u305f\u3088\u3046\u306a\u52d5\u304d\u3092\u3059\u308b\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u4e0a\u3067\u4e0a\u3052\u305f\uff11\uff09\u3001\uff12\uff09\u3001\uff13\uff09\u306b\u304a\u3044\u3066\u3075\u305f\u3064\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u304b\u306a\u308a\u8fd1\u3044\u304b\u3089\u3067\u3059\u3002\u305f\u3060\u3001\u5e38\u306bBlackRock\uff08Portfolio B\u9ed2\uff09\u304c\u82e5\u5e72\u3088\u3044\u6210\u7e3e\u3067\u3042\u308b\u306e\u3082\u308f\u304b\u308a\u307e\u3059\u3002\u3053\u308c\u304c\u3001BlackRock\u304c\u4e00\u4f4d\u306b\u306a\u3063\u305f\u7406\u7531\u306a\u306e\u304b\u3068\u601d\u3044\u307e\u3059\u304c\u3001Morningstar\u306e\u8a55\u4fa1\u3067\u306fPeople(\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306e\u80fd\u529b\u30fb\u9069\u6b63)\u306e\u9ad8\u3044\u8a55\u4fa1\u306b\u8868\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u306a\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u307e\u3042\u3001\u3067\u3082\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5185\u5bb9\u3092\u898b\u3066\u307f\u308b\u3068<\/p>\n\n\n\n

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

\u5de6\uff08Vanguard\uff09\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306b\u306f11,233\u9298\u67c4\u3001\u50b5\u523810,116\u9298\u67c4\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u306e\u306b\u5bfe\u3057\u3001\u53f3\uff08BlackRock\uff09\u306e\u3082\u306e\u306b\u306f\u305d\u308c\u305e\u308c7,202\u9298\u67c4\u30013,126\u9298\u67c4\u3057\u304b\u542b\u307e\u308c\u3066\u3044\u306a\u3044\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u4e0a\u3067\u4e0a\u3052\u305f\u5dee\u306e\u539f\u56e0\uff11\uff09\u306b\u3042\u305f\u308a\u3001\u8ffd\u968f\u3057\u3066\u3044\u308b\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306b\u5dee\u304c\u3042\u308a\u3001Vanguard\u306e\u307b\u3046\u304c\u5e02\u5834\u5168\u4f53\u3092\u5305\u62ec\u7684\u306b\u30ab\u30d0\u30fc\u3057\u3066\u304a\u308a\u3001BlackRock\u306f\u3042\u308b\u7a0b\u5ea6\u5206\u6563\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u5e02\u5834\u306e\u5177\u5408\u3067\u5206\u6563\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u307b\u3046\u304c\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u3088\u3044\u3068\u304d\u3082\u3042\u308c\u3070\u3001\u9ad8\u5206\u6563\u306e\u307b\u3046\u304c\u3088\u3044\u3068\u304d\u3082\u3042\u308a\u3001\u305d\u308c\u306f\u3069\u3061\u3089\u304c\u3044\u3044\u3068\u306f\u306f\u3063\u304d\u308a\u8a00\u3044\u304d\u308c\u306a\u3044\u90e8\u5206\u304b\u3068\u3082\u601d\u3044\u307e\u3059\u304c\u3001\u3067\u3082\u5c11\u306a\u304f\u3068\u3082\u4e0a\u306e\u30b0\u30e9\u30d5\u3067\u898b\u308b\u9650\u308a\u306fBlackRock\u306e\u307b\u3046\u306b\u8ecd\u914d\u304c\u3042\u304c\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u3087\u3046\u3002\u3082\u3057\u304b\u3057\u305f\u3089\u305d\u306e\u3042\u305f\u308a\u304c\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306e\u5224\u65ad\u529b\u3068\u8a55\u4fa1\u3055\u308c\u305f\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

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

\u500b\u4eba\u6295\u8cc7\u5bb6\u306b\u306f\u3042\u307e\u308a\u610f\u5473\u304c\u306a\u3044\uff1f<\/p>\n\n\n\n

\u305f\u3060\u3001\u3053\u306e\u3042\u305f\u308a\u306e\u6bd4\u8f03\u306f\u500b\u4eba\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066\u306f\u610f\u5473\u304c\u306a\u3044\u3082\u306e\u3068\u3082\u3044\u3048\u307e\u3059\u3002Institutional Share\u3068\u304b\uff2b\u3068\u304b\u3068\u9298\u6253\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u52e4\u3081\u3066\u3044\u308b\u4f1a\u793e\u3084\u56e3\u4f53\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3067\u3053\u308c\u3089\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u3066\u521d\u3081\u3066\u6295\u8cc7\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3082\u306e\u3067\u3042\u308a\u3001\u307e\u305f\u901a\u5e38\u3001\u4f1a\u793e\u3084\u56e3\u4f53\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3067\u306f\u3001Vanguard\u306a\u3089Vanguard\u3001BlackRock\u306a\u3089BlackRock\u3068\u3044\u3046\u3088\u3046\u306b\u4e00\u793e\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u3057\u304b\u63d0\u4f9b\u3055\u308c\u3066\u3044\u306a\u3044\u306e\u304c\u3075\u3064\u3046\u3067\u3059\u3002\u3053\u308c\u3089\u3092\u6bd4\u8f03\u3057\u3066\u3069\u3061\u3089\u306b\u6295\u8cc7\u3057\u3088\u3046\u30fb\u30fb\u3068\u3044\u3046\u5224\u65ad\u306f\u3075\u3064\u3046\u306f\u3042\u308a\u3048\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u5916\u3067\u306eIRA\u3084\u8ab2\u7a0e\u53e3\u5ea7\u3067\u306e\u500b\u4eba\u7684\u306a\u6295\u8cc7\u306b\u304a\u3044\u3066\u306f\u3001Institutional\u3084K\u3067\u306f\u306a\u3044\u3001Investor\u30b7\u30a7\u30a2\u3068\u3044\u3046\u306e\u3092\u8cb7\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002Vanguard\u306e\u5834\u5408\u306b\u306fVanguard Target Retirement 2060\u3001BlackRock\u306e\u5834\u5408\u306b\u306fBlackRock Lifepath Index 2060 Inv A\u306b\u306a\u308a\u307e\u3059\u3002\u4eca\u5ea6\u306f\u3053\u306e\u3075\u305f\u3064\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u6bd4\u8f03\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002Vanguard Target Retirement 2060\uff08Portfolio A\u8d64\uff09\u3068BlackRock Lifepath Index 2060 Inv A\uff08Portfolio B\u9ed2\uff09\u3067\u3059\u3002<\/p>\n\n\n\n

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

Vanguard\uff08Portfolio A\u8d64\uff09\u304c\u6052\u5e38\u7684\u306b\u4e0a\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u4e0a\u306e\u5dee\u306e\u3068\u3053\u308d\u3067\u4e0a\u3052\u305f\uff13\uff09\u306e\u624b\u6570\u6599\u306e\u5dee\u3067\u3059\u3002Institutional\uff08\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\uff09\u3067\u306f\u30012\u793e\u3068\u3082\u624b\u6570\u6599\u306f0.09%\u3060\u3063\u305f\u306e\u304c\u3001\u500b\u4eba\u3067\u8cb7\u3046\u3053\u3068\u306b\u306a\u308b\u3068Vanguard\u306f0.15%\u3001BlackRock\u306f0.39%\u306b\u306a\u308a\u307e\u3059\u3002\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u30c8\u30ec\u30f3\u30c9\u3068\u3057\u3066\u306f2\u30d5\u30a1\u30f3\u30c9\u3068\u3082\u975e\u5e38\u306b\u4f3c\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u3053\u306e0.24\uff05\u306e\u624b\u6570\u6599\u306e\u5dee\u304c\u5e74\u3092\u8ffd\u3046\u3054\u3068\u306b\u7d2f\u7a4d\u3055\u308c\u3001\u4f38\u3073\u306e\u5dee\u304c\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

\u307e\u3068\u3081\u308b\u3068\u3001\u3053\u306eMorningstar\u793e\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u304b\u3089\u3044\u3048\u308b\u3053\u3068\u306f\uff1b<\/p>\n\n\n\n

\u3082\u3057\u3054\u81ea\u5206\u306e\u4f1a\u793e\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u304c\u3053\u306e\u4e0a\u4f4d\u30e9\u30f3\u30ad\u30f3\u30b0\u306b\u306f\u3044\u3063\u3066\u3044\u308b\u30d5\u30a1\u30f3\u30c9\u3067\u3042\u308b\u306a\u3089\u559c\u3073\u307e\u3057\u3087\u3046\u3002\u3082\u3057\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u3001\u3053\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u3092Human Resources\u306eBenefit\u62c5\u5f53\u306b\u898b\u305b\u3066\u3001\u300c\u3082\u3063\u3068\u3044\u3044\u306e\u306b\u5909\u3048\u307e\u3057\u3087\u3046\u3088\uff5e\u300d\u3068\u63d0\u8a00\u3057\u3066\u307f\u308b\u306e\u3082\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u3082\u3057IRA\u3084\u8ab2\u7a0e\u53e3\u5ea7\u306a\u3069\u3054\u81ea\u5206\u3067\u6295\u8cc7\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u3053\u306e\u30e9\u30f3\u30ad\u30f3\u30b0\u306f\u3046\u306e\u307f\u306b\u3057\u306a\u3044\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u3067\u304d\u308b\u3060\u3051\u624b\u6570\u6599\u306e\u5b89\u3044\u3082\u306e\u306bstick\u3059\u308b\u306e\u304c\u7121\u96e3\u3068\u8a00\u3048\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

Vanguard\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u554f\u984c<\/a><\/strong>\u3000\u3082\u5408\u308f\u305b\u3066\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

Morningstar\u793e\u304c\u3001Best Target Date Funds Ranking\u3068\u3044\u3046\u306e\u3092\u51fa\u3057\u3066\u3044\u307e\u3059\u3002\u6700\u65b0\u7248\u306f\u53bb\u5e742021\u5e74\u306e\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u30c8\u30c3\u30d710\u306f\u3053\u3093\u306a\u611f\u3058\u306b\u306a\u308a\u307e\u3059\u3002 \u3053\u308c\u3092\u898b\u305f\u3068\u304d\u5c11\u3005\u9a5a\u304d\u307e\u3057\u305f\u3002BlackRock\u3042\u305f\u308a\u304c\u4e00\u4f4d\u3068\u3044\u3046\u306e\u306f\u3088\u3044\u306b\u3057\u3066\u3082\u3001Pimco\u3084JPMorgan\u306b\u3064\u3044\u3066\u306f\u300c\u3078\u3048\uff5e\uff01\u300d\u3068\u3044\u3046\u611f\u3058\u3067\u3001Expense Ratio\uff08\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\uff09\u304c0.51\u3068\u304b0.52\u3068\u304b\u306eT.Rowe Price\u306b\u95a2\u3057\u3066\u306f\u300c\u672c\u5f53\u306b\uff5e\uff01\u300d\u3068\u3044\u3046\u611f\u304c\u514d\u308c\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3057\u304b\u3082\u79c1\u304c\u5927\u597d\u304d\u306aVanguard \u306f8\u4f4d\u3002\u3053\u308c\u306f\u3061\u3087\u3063\u3068\u8003\u3048\u3092\u76f4\u3055\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u304b\u3082\u30fb\u30fb\u30fb\u3068\u601d\u3044\u3001\u5c11\u3057\u8abf\u3079\u3066\u307f …<\/p>\n","protected":false},"author":1,"featured_media":5557,"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":[36,38],"tags":[],"class_list":["post-5971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","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-leah-kelley-3935702-scaled.jpg?fit=2560%2C1707&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1yj","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5971","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=5971"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5971\/revisions"}],"predecessor-version":[{"id":5987,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5971\/revisions\/5987"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/5557"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=5971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=5971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=5971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}