{"id":6455,"date":"2023-05-23T10:10:00","date_gmt":"2023-05-23T18:10:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=6455"},"modified":"2023-05-18T10:52:38","modified_gmt":"2023-05-18T18:52:38","slug":"%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%e3%81%ae%e6%b4%bb%e7%94%a83%e3%83%bc401%ef%bc%88k%ef%bc%89%e3%81%8bira%e3%81%8b","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%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%e3%81%ae%e6%b4%bb%e7%94%a83%e3%83%bc401%ef%bc%88k%ef%bc%89%e3%81%8bira%e3%81%8b\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u6d3b\u7528(3)\u30fc401\uff08k\uff09\u304bIRA\u304b"},"content":{"rendered":"\n

<\/h1>\n\n\n\n

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

401(k)\u306e\u3044\u3044\u3068\u3053\u308d<\/h2>\n\n\n\n

\uff11\uff0e\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\uff08Max Contribution\uff09\u304c\u9ad8\u3044<\/h3>\n\n\n\n

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\uff14\uff0e\u30ed\u30fc\u30f3\u304c\u53d7\u3051\u3089\u308c\u308b<\/h3>\n\n\n\n

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

IRA\u306e\u3044\u3044\u3068\u3053\u308d<\/h2>\n\n\n\n

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\u3068\u304f\u306b\u5c0f\u3055\u306a\u4f1a\u793e\u306e401(k)\u306a\u3069\u3067\u306f\u3001\u5927\u304d\u306a401(k)\u30d7\u30e9\u30f3\u306a\u3069\u306b\u6bd4\u3079\u3066\u3001\u30d7\u30e9\u30f3\u306e\u30a2\u30c9\u30df\u30cb\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u8cbb\u3084\u30d5\u30a1\u30f3\u30c9\u6570\u6599\u306a\u3069\u304c\u975e\u5e38\u306b\u9ad8\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u3093\u306a\u5834\u5408\u306f\u3001401(k)\u3088\u308a\u3082IRA\u3092\u901a\u3057\u3066\u3001\u624b\u6570\u6599\u306e\u5b89\u3044\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u306b\u6295\u8cc7\u3057\u305f\u307b\u3046\u304c\u305a\u3063\u3068\u3044\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u307e\u3059\u304c\u3001401(k)\u306f\u96c7\u7528\u4e3b\u306b\u3088\u308a\u6761\u4ef6\u304c\u307e\u3061\u307e\u3061\u3067\u3059\u304b\u3089\u3001\u81ea\u5206\u306e401(k)\u30d7\u30e9\u30f3\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u306e\u9078\u629e\u80a2\u304c\u3042\u308a\u3001\u624b\u6570\u6599\u306f\u3069\u306e\u304f\u3089\u3044\u304b\u3001\u305d\u308c\u306f\u500b\u4eba\u7684\u306b\u6295\u8cc7\u3059\u308b\u5834\u5408\u3088\u308a\u6709\u5229\u306a\u306e\u304b\u3001\u305d\u3046\u3067\u306a\u3044\u306e\u304b\u3092\u3061\u3083\u3093\u3068\u7406\u89e3\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

\uff14\uff0e\u30a8\u30b9\u30c6\u30fc\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\uff08\u76f8\u7d9a\u5bfe\u7b56\uff09\u306b\u6709\u5229\uff08Roth IRA\u306e\u5834\u5408\uff09<\/h3>\n\n\n\n

401(k)\u3084Traditional IRA\u306f73\u6b73\u3092\u8d85\u3048\u308b\u3068\u6700\u4f4e\u5f15\u304d\u51fa\u3057\u984d(Required Minimum Distribution)\u3092\u5f15\u304d\u51fa\u3055\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30eb\u30fc\u30eb\u304c\u3042\u308a\u307e\u3059\u304c\uff08401(k)\u306e\u5834\u5408\u306f\u300173\u6b73\u306b\u306a\u3063\u3066\u3082\u307e\u3060\u52b4\u50cd\u3057\u3066\u304a\u308c\u3070\u3001\u5f15\u304d\u51fa\u3057\u958b\u59cb\u3092\u30ea\u30bf\u30a4\u30e4\u6642\u307e\u3067\u5ef6\u671f\u53ef\uff09\u3001Roth IRA\u306f\u305d\u306e\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u3063\u305f\u304f\u624b\u3092\u4ed8\u3051\u305a\u3001\u305d\u306e\u307e\u307e\u5b50\u3069\u3082\u306b\u304a\u91d1\u3092\u6b8b\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5b50\u3069\u3082\u306f\u3001\u7a0e\u91d1\u3092\u6255\u3046\u3053\u3068\u306a\u304f\u8cc7\u91d1\u3092\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

\uff15\uff0e\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u7a0e\u91d1\u3092\u4f4e\u304f\u3067\u304d\u308b\uff08Roth IRA\u306e\u5834\u5408\uff09<\/h3>\n\n\n\n

\u8001\u5f8c\u3001401(k)\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u3084Traditional IRA\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u306f\u3001\u300c\u53ce\u5165\u300d\u3068\u3057\u3066\u6570\u3048\u3089\u308c\u3001\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u3002\u305d\u308c\u306b\u52a0\u3048\u3001\u5897\u3048\u305f\u53ce\u5165\u306e\u305b\u3044\u3067\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u6240\u5f97\u7a0e\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3068\u3044\u3046\u526f\u4f5c\u7528\u3082\u3042\u308a\u307e\u3059\u3002\u8a00\u3044\u63db\u3048\u308b\u3068\u3001401(k)\u3084Traditional IRA\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u304c\u591a\u3044\u3068\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u5e74\u91d1\u3078\u306e\u8ab2\u7a0e\u304c\u591a\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n

\u3053\u308c\u306b\u5bfe\u3057\u3001Roth IRA\u306e\u5f15\u304d\u51fa\u3057\u984d\u306f\u300c\u53ce\u5165\u300d\u306b\u306f\u6570\u3048\u3089\u308c\u305a\u6240\u5f97\u7a0e\u304c\u304b\u304b\u3089\u306a\u3044\u3046\u3048\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306b\u304b\u304b\u308b\u7a0e\u91d1\u3092\u4f4e\u304f\u6291\u3048\u308b\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002\u8001\u5f8c\u306b\u652f\u6255\u3046\u7a0e\u91d1\u3092\u306a\u308b\u3079\u304f\u6291\u3048\u308b\u305f\u3081\u306b\u306f\u3001401(k)\u3001Traditional IRA\u3001Roth IRA\u3084\u305d\u306e\u4ed6\u306e\u6295\u8cc7\u30d7\u30e9\u30f3\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u3092\u3046\u307e\u304f\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3057\u3001\u5f15\u304d\u51fa\u3057\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u8a08\u308b\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u70b9\u3067\u306f\u3001Roth IRA\u306e\u5229\u7528\u4fa1\u5024\u306f\u9ad8\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n

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

\u3053\u3093\u306a\u3075\u3046\u306b\u3001\u305d\u308c\u305e\u308c\u306e\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u4f7f\u3044\u5206\u3051\u3092\u3057\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u305f\u3081\u306e\u9577\u671f\u6295\u8cc7\u306b\u306f\u3001\u305c\u3072\u7a0e\u512a\u9047\u306e\u3042\u308b\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3057\u305f\u3044\u3082\u306e\u3067\u3059\u3002\u305d\u308c\u3089\u306b\u306f\u3001\u5927\u304d\u304f\u5206\u3051\u3066\u8077\u5834\u3067\u63d0\u4f9b\u3055\u308c\u308b\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\uff08401(k)\u304c\u4e3b\u6d41\uff09\u3068\u500b\u4eba\u3067\u52a0\u5165\u3059\u308b\u30d7\u30e9\u30f3\u3067\u3042\u308bIRA\u304c\u3042\u308b\u3053\u3068\u3092\u898b\u3066\u304d\u307e\u3057\u305f\u3002\u305f\u304f\u3055\u3093\u7a4d\u307f\u7acb\u3066\u308b\u4f59\u88d5\u306e\u3042\u308b\u4eba\u306f\u3001401(k)\u3068IRA\u306f\u4f75\u7528\u3057\u305d\u308c\u305e\u308c\u6700\u5927\u9650\u307e\u3067\u7a4d\u307f\u7acb\u3066\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u4e00\u65b9\u3067\u3001\u9650\u3089\u308c\u305f\u304a\u91d1\u3057\u304b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u306a\u3044\u5834\u5408\u3001401(k)\u3092\u512a\u5148\u3059\u3079\u304d\u304b\u305d\u308c\u3068\u3082IRA\u3092\u512a\u5148\u3059\u308b\u304b\u306f\u8003\u616e\u304c\u5fc5\u8981\u3068\u306a\u308a\u307e\u3059\u3002\u305d\u308c\u305e\u308c\u306e\u9577\u6240\u3092\u6bd4\u8f03\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002 401(k)\u306e\u3044\u3044\u3068\u3053\u308d \uff11\uff0e\u7a4d\u307f\u7acb\u3066\u4e0a\u9650\uff08Max Contribution\uff09\u304c\u9ad8\u3044 401(k)\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053 …<\/p>\n","protected":false},"author":1,"featured_media":3975,"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":[36,62,38],"tags":[47,75,60],"class_list":["post-6455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-tax","category-retirement","tag-retire","tag-investment","tag-60"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-coin-and-pencils.jpg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1G7","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6455","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=6455"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6455\/revisions"}],"predecessor-version":[{"id":6465,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6455\/revisions\/6465"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3975"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=6455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=6455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=6455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}