SECURE 2.0\u3068\u3044\u3046\u6cd5\u5f8b\u304c2022\u5e7412\u6708\u306b\u3067\u304d\u307e\u3057\u305f\u30022019\u5e74\u306b\u3067\u304d\u305fThe Setting Every Community Up for Retirement Enhancement (SECURE) Act \u3092\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3057\u6539\u5b9a\u3059\u308b\u5f62\u3067\u3064\u304f\u3089\u308c\u307e\u3057\u305f\u3002\u30a2\u30e1\u30ea\u30ab\u306e\u3059\u3079\u3066\u306e\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u306b\u7f6e\u3044\u3066\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3065\u304f\u308a\u3092\u4fc3\u9032\u3057\u3001\u3088\u308aSecure\uff08\u305f\u3057\u304b\u306a\uff09\u5c06\u6765\u3092\u76ee\u6307\u305d\u3046\u3068\u3044\u3046\u8da3\u65e8\u3067\u3059\u3002<\/p>\n\n\n\n
\u3055\u307e\u3056\u307e\u306a\u6539\u5b9a\u304c\u3042\u308a\u3001\u591a\u304f\u306e\u4eba\u306b\u5f71\u97ff\u304c\u3042\u308a\u307e\u3059\uff08\u307b\u3068\u3093\u3069\u304c\u826f\u3044\u5f71\u97ff\u306e\u306f\u305a\uff09\u3002\u6539\u5b9a\u306e\u4e3b\u8981\u70b9\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3059\u3002\u6539\u5b9a\u306e\u30eb\u30fc\u30eb\u306b\u306f\u7d30\u304b\u3044\u6761\u4ef6\u306a\u3069\u304c\u3042\u308a\u3001\u307e\u305f\u6539\u5b9a\u306e\u958b\u59cb\u6642\u671f\u3082\u30eb\u30fc\u30eb\u306b\u3088\u3063\u3066\u69d8\u3005\u3067\u3059\u3002\u4ee5\u4e0b\u306f\u4e3b\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3092\u307e\u3068\u3081\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u7d30\u304b\u3044\u6b63\u78ba\u306a\u6761\u4ef6\u306a\u3069\u306f\u7121\u8996\u3057\u3066\u3044\u308b\u90e8\u5206\u3082\u3042\u308a\u307e\u3059\u3002\u3042\u304f\u307e\u3067\u7c21\u5358\u306b\u307e\u3068\u3081\u305f\u30dd\u30a4\u30f3\u30c8\u3068\u3057\u3066\u3068\u3089\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n
401(k)\u3084Traditional IRA\u306a\u3069\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u306f\u3001RMD\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002RMD\u306f\u3001\u524d\u5e74\u672b\u306e\u6b8b\u9ad8\u3068\u53e3\u5ea7\u4fdd\u6301\u8005\u306e\u5bff\u547d\u306b\u3088\u3063\u3066\u8a08\u7b97\u3055\u308c\u308b\u3082\u306e\u3067\u3001\u305d\u306e\u984d\u3092\u5fc5\u305a\u5f15\u304d\u51fa\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u5f15\u304d\u51fa\u3057\u305fRMD\u306f\u6240\u5f97\u3068\u3057\u3066\u6570\u3048\u3089\u308c\u6240\u5f97\u7a0e\u306e\u5bfe\u8c61\u306b\u306a\u308a\u307e\u3059\u3002RMD\u306f\u751f\u6d3b\u8cbb\u306a\u3069\u306b\u4f7f\u3063\u3066\u3082\u3044\u3044\u3067\u3059\u3057\u3001\u3082\u3057\u3082\u4f59\u5270\u91d1\u3068\u3057\u3066\u6b8b\u308c\u3070\u8ab2\u7a0e\u53e3\u5ea7\uff08Brokerage Account\uff09\u306a\u3069\u3067\u6295\u8cc7\u904b\u7528\u3092\u884c\u3046\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n\n\n\n
\u3053\u306eRMD\u306e\u958b\u59cb\u5e74\u9f62\u304c\u5f15\u304d\u4e0a\u3052\u3089\u308c\u3001\u4e00\u90e8\u30d7\u30e9\u30f3\u306b\u304a\u3044\u3066\u306fRMD\u304c\u5ec3\u6b62\u3055\u308c\u307e\u3059\u3002\u3088\u308a\u9577\u3044\u9593\u3001\u5f15\u304d\u51fa\u3057\u3092\u5f37\u8981\u3055\u308c\u305a\u3001\u7a0e\u512a\u9047\u3067\u306e\u6295\u8cc7\u304c\u7d9a\u3051\u3089\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002Roth\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u8a08\u753b\u3059\u308b\u5834\u5408\u306b\u3082\u3001\u3088\u308a\u9577\u3044\u9593\u306e\u671f\u9593\u3092\u8a08\u753b\u306b\u542b\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
RMD\u958b\u59cb\u5e74\u9f62\u306f\u4eca\u307e\u306772\u6b73\u3067\u3057\u305f\u304c\u30012023\u5e741\u6708\u304b\u308973\u6b73\u306b\u306b\u5909\u66f4\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3055\u3089\u306b\u306f\u30012033\u5e741\u6708\u304b\u3089\u306f75\u6b73\u306b\u5f15\u304d\u4e0a\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n
\u540c\u6642\u306b\u3001RMD\u3092\u5f15\u304d\u51fa\u3055\u306a\u304b\u3063\u305f\u5834\u5408\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u3001\u3053\u308c\u307e\u3067\u306e50%\uff08\u5f15\u304d\u51fa\u3057\u304c\u5fc5\u8981\u3060\u3063\u305fRMD\u984d\u306b\u5bfe\u3057\u3066\uff09\u304b\u308925%\u306b\u5f15\u304d\u4e0b\u3052\u3089\u308c\u307e\u3057\u305f\u3002<\/p>\n\n\n\n
\u3055\u3089\u306b\u306f\u3001Roth 401(k)\u306b\u95a2\u3057\u3066\u306f\u3001\u4eca\u307e\u3067\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u305fRMD\u304c\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001Roth 401(k)\u3082Roth IRA\u3068\u540c\u69d8\u306b\u3001RMD\u3092\u6c17\u306b\u305b\u305a\u904b\u7528\u304c\u7d99\u7d9a\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n
50\u6b73\u4ee5\u4e0a\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u7acb\u984d\u306f\u3053\u308c\u307e\u3067\u3082\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u304c\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u306e\u5bfe\u8c61\u3068\u306a\u308a\u5e74\u3005\u5897\u984d\u3055\u308c\u308b\u3068\u3068\u3082\u306b\u3001\u3042\u305f\u3089\u3057\u304f60\u6b73\u304b\u308963\u6b73\u306e\u30b9\u30da\u30b7\u30e3\u30eb\u30fb\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u898b\u7acb\u3066\u3068\u3044\u3046\u306e\u304c\u3064\u304f\u3089\u308c\u307e\u3057\u305f\u3002<\/p>\n\n\n\n
IRA<\/u><\/strong>\u3067\u306f\u300150\u6b73\u4ee5\u4e0a\u306b\u306a\u308b\u3068\u901a\u5e38\u306e\u7a4d\u7acb\u9650\u5ea6\u984d\uff082023\u5e74\u3067$6,500\uff09\u306b\u52a0\u3048$1,000\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u304c\u8a31\u3055\u308c\u3066\u3044\u307e\u3059\u30022024\u5e74\u304b\u3089\u3053\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u7acb\u984d\u3082\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u3067\u5897\u984d\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n 401(k)<\/u><\/strong>\u306a\u3069\u306e\u8077\u5834\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3<\/u><\/strong>\u3067\u3082\u3001\u540c\u69d8\u306b50\u6b73\u4ee5\u4e0a\u3067\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u304c\u8a31\u3055\u308c\u3066\u304a\u308a\u30012023\u5e74\u3067\u306f$7,500\u3067\u3059\u3002\u3053\u308c\u306b\u52a0\u3048\u30012025\u5e74\u304b\u3089\u306f60\u6b73\u304b\u308963\u6b73\u306e\u4eba\u306f\u3001\u30b9\u30da\u30b7\u30e3\u30eb\u30fb\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u3068\u3057\u3066$10,000\u306e\u7a4d\u307f\u7acb\u3066\u3082\u8a31\u3055\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u984d\u3082\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u306e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u5e74\u3005\u5897\u984d\u3055\u308c\u307e\u3059\u3002\u305f\u3060\u3057\u30012024\u5e74\u4ee5\u964d\u306e\u3059\u3079\u3066\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u306b\u95a2\u3057\u3066\u306f\u3001\u4e00\u5b9a\u306e\u53ce\u5165\u4ee5\u4e0a\uff082023\u5e74\u3067$145,000\u3067\u30a4\u30f3\u30d5\u30ec\u5bfe\u5fdc\u8abf\u6574\u3055\u308c\u308b\uff09\u304c\u3042\u3063\u305f\u5834\u5408\u306f\u3001Roth\u6271\u3044\uff08\u6240\u5f97\u7a0e\u8ab2\u7a0e\u5f8c\u306e\u7a4d\u7acb\uff09\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u306eSIMPLE IRA\u306b\u8ab2\u3057\u3066\u306f\u30012024\u5e74\u4ee5\u964d\u300150\u6b73\u4ee5\u964d\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u7acb\u984d\u304c10\uff05\u5897\u984d\u300160\u6b73\u304b\u308963\u6b73\u307e\u3067\u3092\u5bfe\u8c61\u3068\u3057\u305f\u30b9\u30da\u30b7\u30e3\u30eb\u30fb\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u306f\u30012025\u5e74\u3088\u308a\u958b\u59cb\u3057$5,000\u307e\u3067\u3068\u306a\u308a\u3001\u305d\u308c\u4ee5\u964d\u30a4\u30f3\u30d5\u30ec\u5bfe\u5fdc\u3067\u5897\u984d\u3057\u307e\u3059\u3002<\/p>\n\n\n\n IRA\u306b\u306fTraditional(\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3001\u5f15\u304d\u51fa\u3057\u306f\u6240\u5f97\u7a0e\u8ab2\u7a0e)\u3068Roth\uff08\u6240\u5f97\u7a0e\u3092\u6255\u3063\u3066\u7a4d\u7acb\u3001\u5f15\u304d\u51fa\u3057\u306f\u975e\u8ab2\u7a0e\uff09\u306e\u9078\u629e\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u8077\u5834\u306e401(k)\u306b\u3082Roth\u5bfe\u5fdc\u304c\u3064\u304f\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u3060\u3093\u3060\u3093\u3068\u6d78\u900f\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u305d\u308c\u4ee5\u5916\u306e\u90e8\u5206\u3067\u306f\u3001Roth\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u305a\u3001Traditional\uff08Pre-tax\u3068\u3082\u547c\u3070\u308c\u308b\uff09\u3067\u3057\u304b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u4eca\u5f8c\u3001Roth\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u308b\u30a8\u30ea\u30a2\u304c\u5897\u3048\u307e\u3059\u3002<\/p>\n\n\n\n Employer Match\u3068\u547c\u3070\u308c\u308b401(k)\u306a\u3069\u3067\u306e\u96c7\u7528\u8005\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u3067\u30012023\u5e74\u3088\u308aRoth\u3092\u9078\u3079\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u4eca\u307e\u3067\u3001Simple IRA\u3084SEP IRA\u306f\u3001Traditional\/Pre-tax\u30aa\u30d7\u30b7\u30e7\u30f3\u3057\u304b\u9078\u629e\u3067\u304d\u307e\u305b\u3093\u3067\u3057\u305f\u304c\u30012023\u5e74\u3088\u308aRoth\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u52a0\u308f\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u6628\u4eca\u3067\u306f\u3001\u96c7\u7528\u4e3b\u304c\u96c7\u7528\u8005\u3092401(k)\u306b\u81ea\u52d5\u53c2\u52a0\u3057\u3066\u30c7\u30d5\u30a9\u30eb\u30c8\u7a4d\u307f\u7acb\u3066\u3092\u3055\u305b\u308b\u30b7\u30b9\u30c6\u30e0\u304c\u3060\u3093\u3060\u3093\u3068\u6d78\u900f\u3057\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u5358\u306b\u300c\u3084\u3063\u3066\u3082\u3088\u3044\u300d\u3068\u3044\u3046\u3082\u306e\u3060\u3063\u305f\u306e\u3067\u3059\u304c\u3001\u4eca\u5f8c2025\u5e74\u4ee5\u964d\u306f\u300c\u3084\u3089\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u300d\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u96c7\u7528\u4e3b\u306f\u3001\u96c7\u7528\u8005\u304c\u30aa\u30d7\u30c8\u30fb\u30a2\u30a6\u30c8\u3057\u306a\u3044\u9650\u308a\u3001401(k)\u306b\u81ea\u52d5\u53c2\u52a0\u3055\u305b\u3001\u7d66\u4e0e\u306e3\u304b\u308910\uff05\u3092\u81ea\u52d5\u7a4d\u307f\u7acb\u3066\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u4e00\u90e8\u6761\u4ef6\u3092\u6e80\u305f\u3059\u898f\u6a21\u306e\u5c0f\u3055\u3044\u4f01\u696d\u306e\u307f\u304c\u3001\u3053\u306e\u7fa9\u52d9\u3092\u514d\u308c\u307e\u3059\u3002<\/p>\n\n\n\n \u3055\u3089\u306b\u306f\u30012025\u5e74\u3088\u308a\u30d1\u30fc\u30c8\u30bf\u30a4\u30e0\u52b4\u50cd\u8005\u304c401(k)\u306b\u3088\u308a\u65e9\u304f\u53c2\u52a0\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\uff08\u9023\u7d9a\u306e2\u5e74\u9593\u3067500\u6642\u9593\u4ee5\u4e0a\u52b4\u50cd\uff09\u3002<\/p>\n\n\n\n \u8ee2\u8077\u3057\u3066\u53bb\u3063\u305f\u524d\u306e\u4f1a\u793e\u306e401(k)\u304c\u5fd8\u308c\u53bb\u3089\u308c\u305f\u308a\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30a2\u30a6\u30c8\u3057\u3066\u6d88\u6ec5\u3057\u305f\u308a\u305b\u305a\u3001\u305d\u306e\u307e\u307e\u65b0\u3057\u3044401(k)\u306b\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3057\u81ea\u52d5\u7d99\u7d9a\u3067\u304d\u308b\u3057\u304f\u307f\u304c\u8a31\u3055\u308c\u307e\u3059\u3002\u81ea\u52d5\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306f$5,000\u4ee5\u4e0b\u306e\u5c11\u984d\u53e3\u5ea7\u304c\u5bfe\u8c61\u3068\u306a\u308a\u3001\u3082\u3061\u308d\u3093\u672c\u4eba\u304c\u305d\u308c\u3092\u62d2\u5426\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \u50cd\u304d\u59cb\u3081\u3066\u304b\u3089\u30b9\u30c1\u30e5\u30fc\u30c7\u30f3\u30c8\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u3092\u3057\u3066\u3044\u308b\u4eba\u306b\u5409\u5831\u3067\u3059\u3002\u30ed\u30fc\u30f3\u8fd4\u6e08\u3092\u3057\u3066\u3044\u308b\u3068\u3001\u306a\u304b\u306a\u304b401(k)\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u4f59\u88d5\u304c\u306a\u304f\u3001\u305d\u3046\u3059\u308b\u3068\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u3082\u4eab\u53d7\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u3068\u3044\u3046\u6b8b\u5ff5\u306a\u72b6\u6cc1\u304c\u8d77\u3053\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n 2024\u5e74\u3088\u308a\u3001\u305f\u3068\u3048\u96c7\u7528\u8005\u81ea\u8eab\u304c401(k)\u306e\u7a4d\u307f\u7acb\u3066\u3092\u884c\u3063\u3066\u3044\u306a\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u30b9\u30c1\u30e5\u30fc\u30c7\u30f3\u30c8\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u3092\u3057\u3066\u3044\u308b\u306a\u3089\u3001\u305d\u308c\u3092\u30d9\u30fc\u30b9\u306b\u96c7\u7528\u4e3b\u304c\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3092\u63d0\u4f9b\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u304a\u5b50\u3055\u3093\u306e\u5b66\u8cc7\u306e\u305f\u3081\u306b\u7a4d\u307f\u7acb\u3066\u305f529\u53e3\u5ea7\u306e\u8cc7\u91d1\u3092\u3001\u304a\u5b50\u3055\u3093\u304c\u5927\u5b66\u306b\u884c\u304b\u306a\u304b\u3063\u305f\u308a\u3001\u884c\u3063\u3066\u3082\u30a2\u30e1\u30ea\u30ab\u4ee5\u5916\u306e\u5927\u5b66\u3060\u3063\u305f\u308a\u3001\u5927\u5b66\u306b\u884c\u3063\u305f\u3051\u308c\u3069\u8cc7\u91d1\u304c\u6b8b\u3063\u305f\u5834\u5408\u306b\u30012024\u5e74\u3088\u308aRoth IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u304d\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n 529\u306e\u6b8b\u91d1\u306f\u3001\u5229\u56de\u308a\u306b\u6240\u5f97\u7a0e\u306810\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u7a0e\u3092\u6255\u3063\u3066\u4ed6\u306e\u76ee\u7684\u306b\u4f7f\u3046\u304b\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u307e\u307e\u6b8b\u3057\u3066\u4ed6\u306e\u5bb6\u65cf\u3084\u5b6b\u306a\u3069\u306e\u6559\u80b2\u8cc7\u91d1\u306b\u4f7f\u3046\u304b\u3057\u304b\u9078\u629e\u80a2\u304c\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u304c\u3001IRA\u30aa\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u306b\u3088\u308a\u304a\u5b50\u3055\u3093\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u306b\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u4ee5\u4e0b\u306e\u6761\u4ef6\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n 59\u6b73\u534a\u524d\u306e\u5f15\u304d\u51fa\u3057\u306b\u5bfe\u3057\u3066\u306f\u3001\u5bfe\u8c61\u984d\u306b\u5bfe\u305710\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u7a0e\u304c\u304b\u304b\u308a\u307e\u3059\u304c\u3001\u4ee5\u4e0b\u306e\u6761\u4ef6\u306b\u5408\u81f4\u3059\u308c\u3070\u3001\u305d\u308c\u305e\u308c\u5b9a\u3081\u3089\u308c\u305f\u9650\u5ea6\u306e\u7bc4\u56f2\u5185\u3067\u3042\u308c\u3070\u30da\u30ca\u30eb\u30c6\u30a3\u306a\u3057\u3067\u5f15\u304d\u51fa\u305b\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n Traditional IRA\u304b\u3089\u30c1\u30e3\u30ea\u30c6\u30a3\u306b\u76f4\u63a5\u5bc4\u4ed8\u3059\u308b\u3053\u3068\u3067\u3001RMD\u8981\u4ef6\u3092\u6e80\u305f\u3057\u3064\u3064\u6240\u5f97\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u308bQualified Charitable Distribution\u304c\u3088\u308a\u5229\u7528\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306e\u8cc7\u91d1\u3067Qualified Longevity Annuity Contracts\uff08QLAC\uff09\u3092\u8cb7\u3046\u3068\u304d\u306e\u3001\u8cc7\u91d1\u4e0a\u9650\u304c$200,000\u306b\u4e0a\u304c\u308a\u307e\u3059\u3002QLACA\u306f\u751f\u6daf\u5e74\u91d1\u5951\u7d04\u3067\u3042\u308a\u300185\u6b73\u307e\u3067\u306b\u5e74\u91d1\u53d7\u3051\u53d6\u308a\u3092\u958b\u59cb\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304c\u300173\u6b73\u304b\u3089\u59cb\u307e\u308bRMD\u306e\u5fc5\u8981\u306f\u514d\u308c\u307e\u3059\u3002\u53d7\u3051\u53d6\u308a\u6642\u671f\u3092\u9045\u3089\u305b\u306a\u304c\u3089\u3001\u751f\u6daf\u5e74\u91d1\u306e\u78ba\u4fdd\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \ufeff\ufeff<\/p>\n\n\n\n \u7d14\u751f\u6d3b\u8cbb\u306e3\u304b\u30896\u304b\u6708\u306e\u73fe\u91d1\u3092\u3001\u9280\u884c\u53e3\u5ea7\u3084High Yield Savings \u3067\u3082\u3064\u3053\u3068\u304c\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30cb\u30f3\u30b0\u306e\u57fa\u672c\u3067\u3059\u3002\u3068\u3053\u308d\u304c\u82e5\u5e74\u3067\u30ad\u30e3\u30ea\u30a2\u3092\u59cb\u3081\u305f\u3070\u304b\u308a\u306a\u3069\u3001\u3053\u308c\u304c\u306a\u304b\u306a\u304b\u96e3\u3057\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u3093\u306a\u4eba\u306e\u305f\u3081\u306b\u3001\u8077\u5834\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3068\u30ea\u30f3\u30af\u3057\u305f\u5f62\u3067\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\u3092\u78ba\u4fdd\u3067\u304d\u308b\u3057\u304f\u307f\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \u4e00\u3064\u76ee\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u304b\u3089\u3001\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u6642\u306b\u5e74\u9593$1,000\u3092\u9650\u5ea6\u306b\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u3053\u308c\u306f59\u6b73\u534a\u524d\u306e\u5f15\u304d\u51fa\u3057\u306b\u8ab2\u305b\u3089\u308c\u308b10%\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u514d\u308c\u307e\u3059\u30023\u5e74\u306e\u9593\u306b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u5165\u308c\u623b\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u3082\u3046\u4e00\u3064\u306f\u3001\u96c7\u7528\u4e3b\u304c\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u4ed8\u5e2f\u3057\u3066\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u7528\u306e\u53e3\u5ea7\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u5e74\u9593$2,500\u307e\u3067\u306e\u7a4d\u307f\u7acb\u3066\u304c\u53ef\u80fd\u3067\u3001\u7a4d\u307f\u7acb\u3066\u306f\u8ab2\u7a0e\u5f8c\uff08Roth\u5bfe\u5fdc\uff09\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u5e74\u306b\u3064\u304d4\u56de\u306e\u5f15\u304d\u51fa\u3057\u307e\u3067\u306f\u3001\u975e\u8ab2\u7a0e\u30fb\u30da\u30ca\u30eb\u30c6\u30a3\u306a\u3057\u3067\u53ef\u80fd\u3067\u3059\u3002\u307e\u305f\u3001\u500b\u4eba\u304c\u3053\u306e\u53e3\u5ea7\u306b\u3059\u308b\u7a4d\u307f\u7acb\u3066\u306b\u5bfe\u3057\u3066\u3001\u96c7\u7528\u4e3b\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\uff08\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u3078\u7a4d\u307f\u7acb\u3066\uff09\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3082\u53ef\u80fd\u3068\u306a\u308a\u307e\u3059\u3002401(k)\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u305a\u3001\u3068\u308a\u3042\u3048\u305a\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u7528\u53e3\u5ea7\u306b\u3057\u304b\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u306a\u3044\u4eba\u3082\u3001\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u4ed6\u306b\u3082\u30ab\u30d0\u30fc\u3057\u3066\u3044\u306a\u3044\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u4e3b\u8981\u30dd\u30a4\u30f3\u30c8\u3067\u3057\u305f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":" SECURE 2.0\u3068\u3044\u3046\u6cd5\u5f8b\u304c2022\u5e7412\u6708\u306b\u3067\u304d\u307e\u3057\u305f\u30022019\u5e74\u306b\u3067\u304d\u305fThe Setting Every Community Up for Retirement Enhancement (SECURE) Act \u3092\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3057\u6539\u5b9a\u3059\u308b\u5f62\u3067\u3064\u304f\u3089\u308c\u307e\u3057\u305f\u3002\u30a2\u30e1\u30ea\u30ab\u306e\u3059\u3079\u3066\u306e\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u306b\u7f6e\u3044\u3066\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3065\u304f\u308a\u3092\u4fc3\u9032\u3057\u3001\u3088\u308aSecure\uff08\u305f\u3057\u304b\u306a\uff09\u5c06\u6765\u3092\u76ee\u6307\u305d\u3046\u3068\u3044\u3046\u8da3\u65e8\u3067\u3059\u3002 \u3055\u307e\u3056\u307e\u306a\u6539\u5b9a\u304c\u3042\u308a\u3001\u591a\u304f\u306e\u4eba\u306b\u5f71\u97ff\u304c\u3042\u308a\u307e\u3059\uff08\u307b\u3068\u3093\u3069\u304c\u826f\u3044\u5f71\u97ff\u306e\u306f\u305a\uff09\u3002\u6539\u5b9a\u306e\u4e3b\u8981\u70b9\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3059\u3002\u6539\u5b9a\u306e\u30eb\u30fc\u30eb\u306b\u306f\u7d30\u304b\u3044\u6761\u4ef6\u306a\u3069\u304c\u3042\u308a\u3001\u307e\u305f\u6539\u5b9a\u306e\u958b\u59cb\u6642\u671f\u3082\u30eb\u30fc\u30eb\u306b\u3088\u3063\u3066\u69d8\u3005\u3067\u3059\u3002\u4ee5\u4e0b\u306f\u4e3b\u8981\u306a …<\/p>\n","protected":false},"author":1,"featured_media":6304,"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":[62,38],"tags":[47,75],"class_list":["post-6402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax","category-retirement","tag-retire","tag-investment"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/istockphoto-844226534-612x612-1.jpg?fit=612%2C408&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/s1OwA5-secure20","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6402","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=6402"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6402\/revisions"}],"predecessor-version":[{"id":6403,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6402\/revisions\/6403"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/6304"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=6402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=6402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=6402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Roth\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u8ffd\u52a0<\/h2>\n\n\n\n
401(k)\u3078\u306e\u81ea\u52d5\u53c2\u52a0\u304c\u4fc3\u9032\u3055\u308c\u308b<\/h2>\n\n\n\n
\u8ee2\u8077\u6642\u306e401(k)\u306e\u81ea\u52d5\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc<\/h2>\n\n\n\n
\u30b9\u30c1\u30e5\u30fc\u30c7\u30f3\u30c8\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u3067\u3001401(k)\u30de\u30c3\u30c1\u30a2\u30c3\u30d7\u3092\u5f97\u3089\u308c\u308b\u3088\u3046\u306b<\/h2>\n\n\n\n
\u4f7f\u3044\u5207\u3089\u306a\u304b\u3063\u305f529\u8cc7\u91d1\u304cIRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3067\u304d\u308b\u3088\u3046\u306b<\/h2>\n\n\n\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u304b\u3089\u306e59\u6b73\u534a\u524d\u306e\u5f15\u304d\u51fa\u3057\u898f\u5236\u304c\u3086\u308b\u3084\u304b\u306b<\/h2>\n\n\n\n
Traditional IRA\u304b\u3089\u306e\u30c1\u30e3\u30ea\u30c6\u30a3\u5bc4\u4ed8\u304c\u3088\u308a\u3057\u3084\u3059\u304f<\/h2>\n\n\n\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u8cc7\u91d1\u3067\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u8cb7\u3044\u3084\u3059\u304f<\/h2>\n\n\n\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3068\u30ea\u30f3\u30af\u3055\u305b\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\u3092\u78ba\u4fdd<\/h2>\n\n\n\n