{"id":859,"date":"2012-02-17T12:53:20","date_gmt":"2012-02-17T20:53:20","guid":{"rendered":"http:\/\/www.smartandresponsible.com\/blog\/?p=859"},"modified":"2018-05-29T21:30:07","modified_gmt":"2018-05-30T05:30:07","slug":"retirement-calculator","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/retirement-calculator\/","title":{"rendered":"\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3000-\u3000\u3044\u304f\u3089\u8caf\u3081\u308c\u3070\u5927\u4e08\u592b\uff1f"},"content":{"rendered":"<p>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3001\u6e96\u5099\u3057\u3066\u3044\u307e\u3059\u304b\uff1f\u5bb6\u306e\u652f\u6255\u3044\u3001\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u7528\u3068\u51fa\u8cbb\u306f\u5d69\u307f\u307e\u3059\u304c\u3001\u81ea\u5206\u305f\u3061\u306e\u8001\u5f8c\u306e\u8cc7\u91d1\u306f\u304d\u3061\u3093\u3068\u6e96\u5099\u3057\u305f\u3044\u3082\u306e\u3067\u3059\u306d\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306e\u8cc7\u91d1\u306f\u4f55\u304c\u3042\u3063\u3066\u3082\u6700\u512a\u5148\u3067\u8caf\u3081\u3066\u304a\u304f\u3053\u3068\u3001\u3068\u3044\u3046\u306e\u304c\u5c02\u9580\u5bb6\u306e\u610f\u898b\u3067\u3059\u3002\u306a\u305c\u6700\u512a\u5148\u304b\u3068\u3044\u3046\u3068\u3001\u8001\u5f8c\u306e\u751f\u6d3b\u8cbb\u306f\u8db3\u308a\u306a\u3051\u308c\u3070\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u501f\u308c\u3070\u3044\u3044\u30fb\u30fb\u30fb\u3068\u306f\u3044\u3046\u308f\u3051\u306b\u306f\u3044\u304b\u306a\u3044\u304b\u3089\u3067\u3059\u3002\u56f0\u3063\u305f\u3068\u304d\u306f\u652f\u3048\u3042\u3046\u306e\u304c\u5bb6\u65cf\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u89aa\u304c\u8001\u5f8c\u3092\u8fce\u3048\u308b\u9803\u306f\u3001\u5b50\u3069\u3082\u3082\u6559\u80b2\u30ed\u30fc\u30f3\u3084\u5bb6\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u8fd4\u6e08\u3092\u5207\u308a\u76db\u308a\u3057\u3066\u3044\u308b\u3053\u308d\u3067\u3057\u3087\u3046\u3002\u3067\u304d\u308b\u9650\u308a\u3001\u8ca0\u62c5\u306f\u304b\u3051\u305f\u304f\u306a\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u4eca\u65e5\u306f\u3001\u300c\u3044\u3063\u305f\u3044\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f\u3044\u304f\u3089\u5fc5\u8981\u306a\u306e\u304b\uff1f\u8001\u5f8c\u306e\u305f\u3081\u306b\u3001\u3044\u304f\u3089\u305a\u3064\u8caf\u3081\u3066\u3044\u3051\u3070\u3088\u3044\u306e\u304b\uff1f\u300d\u3092\u77e5\u308b\u305f\u3081\u306e<a href=\"http:\/\/www.calcxml.com\/calculators\/ret02?skn=\" title=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\"  target=\"_blank\" rel=\"noopener noreferrer\">\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059<\/a>\u3002\u7c21\u5358\u306b\u8a08\u7b97\u3067\u304d\u307e\u3059\u306e\u3067\u3001\u3054\u81ea\u5206\u306e\u6761\u4ef6\u3092\u3044\u308c\u3066\u8a08\u7b97\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u30b5\u30f3\u30d7\u30eb\u3068\u3057\u3066\u300137\u6b73\u306e\u5171\u50cd\u304d\u592b\u5a66\u3001\u5e74\u53ce\u306f\u305d\u308c\u305e\u308c$60,000\u306e\u30b1\u30fc\u30b9\u3092\u4f7f\u3063\u3066\u3001\u5b9f\u969b\u306b\u3053\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3092\u4f7f\u3063\u3066\u307f\u307e\u3057\u305f\u3002\u73fe\u5728\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3068\u3057\u3066\u8caf\u3081\u3066\u3042\u308b\u984d\u306f$100,000\u3067\u3059\u3002\u5c06\u6765\u306e\u30a4\u30f3\u30d5\u30ec\u306f\uff13\uff05\u3068\u524d\u63d0\u300267\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u4e88\u5b9a\u300290\u6b73\u307e\u3067\u751f\u304d\u308b\uff0867\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u5f8c\u300123\u5e74\u9593\u751f\u304d\u308b)\u4e88\u5b9a\u3002\u30ea\u30bf\u30a4\u30e4\u5f8c\u306e\u751f\u6d3b\u8cbb\u306f\u3001\u6700\u7d42\u53ce\u5165\u306e70\uff05\u3068\u898b\u7a4d\u3082\u308a\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u904b\u7528\u5229\u56de\u308a\u306f\u30ea\u30bf\u30a4\u30e4\u524d\u304c\uff17\uff05\u3001\u30ea\u30bf\u30a4\u30e4\u5f8c\u306f5.5\uff05\u3068\u3057\u307e\u3057\u305f\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u306e\u5e74\u91d1\u3082\u3001\u3082\u3089\u3048\u308b\u4e88\u60f3\u5024\u3092\u8003\u616e\u306b\u5165\u308c\u307e\u3057\u305f\u3002\u5177\u4f53\u7684\u306a\u5165\u529b\u306f\u4e0b\u8a18\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement%E3%80%80calculator.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-861\" title=\"retirement\u3000calculator\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement%E3%80%80calculator.png?resize=624%2C356&#038;ssl=1\" alt=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\" width=\"624\" height=\"356\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement%E3%80%80calculator.png?w=861&amp;ssl=1 861w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement%E3%80%80calculator.png?resize=300%2C171&amp;ssl=1 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/a><\/p>\n<p>\u7d50\u679c\u306f\u4e0b\u306e\u3068\u304a\u308a\u3002<\/p>\n<figure id=\"attachment_862\" aria-describedby=\"caption-attachment-862\" style=\"width: 652px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement-results.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\" wp-image-862\" title=\"retirement results\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement-results.png?resize=652%2C406&#038;ssl=1\" alt=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\" width=\"652\" height=\"406\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement-results.png?w=719&amp;ssl=1 719w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/02\/retirement-results.png?resize=300%2C186&amp;ssl=1 300w\" sizes=\"auto, (max-width: 652px) 100vw, 652px\" \/><\/a><figcaption id=\"caption-attachment-862\" class=\"wp-caption-text\">\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k<\/figcaption><\/figure>\n<p>Results\u306e\u3068\u3053\u308d\u306e\u82f1\u6587\u3092\u7ffb\u8a33\uff06\u8981\u7d04<\/p>\n<ul>\n<li>\u5e0c\u671b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u5e74\u3005$3,893\uff08\u6708\u3005$324\uff09\u306e\u7a4d\u307f\u7acb\u3066\u304c\u5fc5\u8981\u3067\u3001\u3053\u308c\u306f\u5e74\u53ce\u306e3.2\uff05\u306b\u3042\u305f\u308a\u307e\u3059\u3002\uff08\u96c7\u7528\u4e3b\u304b\u3089\u306e401(k)\u306a\u3069\u3078\u306e\u30de\u30c3\u30c1\u30fb\u30a2\u30c3\u30d7\u7a4d\u307f\u7acb\u3066\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u3053\u308c\u3089\u306e\u6570\u5b57\u304b\u3089\u8a72\u5f53\u984d\u3092\u5dee\u3057\u5f15\u3044\u3066\u3001\u6b8b\u308a\u3092\u500b\u4eba\u8ca0\u62c5\uff09<\/li>\n<li>\u5e0c\u671b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6642\u70b9\u3067$1,265,855\u306e\u6b8b\u9ad8\u304c\u5fc5\u8981\uff08\u6ce8\uff1a\u3053\u308c\u306f\u3001\u60f3\u50cf\u3092\u8d85\u3048\u305f\u984d\u3060\u3068\u3073\u3063\u304f\u308a\u3055\u308c\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5e74\u3005\u306e\u30a4\u30f3\u30d5\u30ec\u7387\u3092\u8003\u616e\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u3053\u306e\u3088\u3046\u306a\u984d\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u306e\u30c9\u30eb\u4fa1\u3067\u8a00\u3044\u63db\u3048\u308b\u3068\u3001\u3053\u306e\u984d\u306f$400,000\u307b\u3069\u306b\u306a\u308a\u307e\u3059\uff09\u3002<\/li>\n<li>\u3082\u3057\u3001\u7a4d\u307f\u7acb\u3066\u958b\u59cb\u30921\u5e74\u5148\u5ef6\u3070\u3057\u306b\u3057\u3066\u6765\u5e74\u59cb\u3081\u308b\u3068\u3001\u5e74\u3005$4,243\u306e\u7a4d\u307f\u7acb\u3066\u304c\u5fc5\u8981\u3067\u3001\u3053\u308c\u306f\u5e74\u53ce\u306e3.5\uff05\u306b\u3042\u305f\u308a\u307e\u3059\uff08\u6ce8\uff1a\u65e9\u304f\u7a4d\u307f\u7acb\u3066\u3092\u306f\u3058\u3081\u3088\u3046\u3068\u4fc3\u3057\u3066\u3044\u308b\u3002\uff09<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\u9752\u3044\u68d2\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u4f38\u3073\uff08\u30ea\u30bf\u30a4\u30e4\u5f8c\u306f\u3001\u5f15\u304d\u51fa\u3057\u306b\u3088\u308b\u6e1b\u5c11\uff09\u3092\u3042\u3089\u308f\u3057\u3066\u3044\u307e\u3059\u3002\u9ec4\u8272\u306e\u68d2\u306f\u3001\u5e74\u3005\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304b\u3089\u5f15\u304d\u51fa\u3055\u308c\u308b\u984d\u3092\u3057\u3081\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3055\u3066\u3001\u3042\u306a\u305f\u306e\u30b1\u30fc\u30b9\u3067\u306f\u3069\u3046\u3067\u3057\u3087\u3046\u304b\uff1f\u3054\u5e0c\u671b\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306f\u53ef\u80fd\u305d\u3046\u3067\u3059\u304b\uff1f\u3053\u3053\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30fb\u30d7\u30e9\u30cb\u30f3\u30b0\u306e\u4e0a\u3067\u3001\u30ad\u30fc\u3068\u306a\u3063\u3066\u304f\u308b\u8981\u7d20\u306b\u3064\u3044\u3066\u3054\u7d39\u4ecb\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u5e0c\u671b\u3069\u304a\u308a\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u306b\u306f\u3069\u306e\u3088\u3046\u306a\u8981\u7d20\u306b\u3064\u3044\u3066\u3001\u914d\u616e\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u306e\u304b\u3001\u307e\u305f\u3001\u30d7\u30e9\u30cb\u30f3\u30b0\u3092\u3059\u3059\u3081\u308b\u3046\u3048\u3067\u3001\u3068\u304d\u306b\u6c17\u3092\u3064\u3051\u306d\u3070\u306a\u3089\u306a\u3044\u8981\u7d20\u306f\u306a\u306b\u304b\u3001\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u73fe\u5728\u306e\u5e74\u9f62<\/strong><\/h3>\n<p>\u3044\u3063\u305f\u3093\u3068\u3063\u3066\u3057\u307e\u3063\u305f\u5e74\u9f62\u306f\u5dfb\u304d\u623b\u3057\u304c\u3067\u304d\u307e\u305b\u3093\u306d\u3002\u3053\u3053\u3067\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u82e5\u3044\u3046\u3061\u306b\u6e96\u5099\u3092\u59cb\u3081\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u304a\u91d1\u3092\u8caf\u3081\u308b\u306b\u3042\u305f\u3063\u3066\u3001\u3082\u3063\u3068\u3082\u5927\u304d\u304f\u30e2\u30ce\u3092\u8a00\u3046\u8981\u7d20\u306e\u3072\u3068\u3064\u306f\u3001\u8caf\u84c4\u3084\u6295\u8cc7\u306e\u671f\u9593\u3067\u3059\u3002\u3053\u306e\u671f\u9593\u304c\u9577\u3051\u308c\u3070\u9577\u3044\u307b\u3069\u3001\u5229\u56de\u308a\u306e\u904b\u7528\u304c\u52a0\u901f\u5ea6\u7684\u306b\u529b\u3092\u767a\u63ee\u3057\u307e\u3059\u3002<\/p>\n<p>$10,000\u3092\u5143\u624b\u306b8\uff05\u306e\u5229\u56de\u308a\u3067\u904b\u7528\u3057\u305f\u3068\u3059\u308b\u3068\u30012\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f$11,664\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u6b8b\u9ad8\u306f20\u5e74\u5f8c\u306b\u306f\u3001$46,000\u4ee5\u4e0a\u306b\u306a\u308a\u307e\u3059\u3002\u30ea\u30bf\u30a4\u30e4\u8cc7\u91d1\u306e\u305f\u3081\u306b\u8caf\u84c4\u3084\u6295\u8cc7\u306b\u307e\u308f\u3059\u91d1\u984d\u304c\u305f\u3068\u3048\u6700\u521d\u306f\u9650\u3089\u308c\u3066\u3044\u305f\u3068\u3057\u3066\u3082\u3001\u3068\u306b\u304b\u304f\u65e9\u3081\u306b\u306f\u3058\u3081\u3001\u3067\u304d\u308b\u9650\u308a\u9577\u304f\u904b\u7528\u3059\u308b\u3002\u3053\u308c\u304c\u3072\u3068\u3064\u3081\u306e\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/p>\n<h3>\u30a4\u30f3\u30d5\u30ec\u7387<\/h3>\n<p>\u30a4\u30f3\u30d5\u30ec\u3068\u805e\u304f\u3068\u3042\u3093\u307e\u308a\u3088\u304f\u306a\u3044\u30a4\u30e1\u30fc\u30b8\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u5065\u5eb7\u306a\u7d4c\u6e08\u306b\u306f\u9069\u5ea6\u306e\u30a4\u30f3\u30d5\u30ec\u306f\u3064\u304d\u3082\u306e\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u6295\u8cc7\u8005\u306e\u7acb\u5834\u304b\u3089\u3059\u308b\u3068\u30a4\u30f3\u30d5\u30ec\u306f\u5927\u3044\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u3082\u306e\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u306a\u305c\u306a\u3089\u3001\u30a4\u30f3\u30d5\u30ec\u306f\u8ca8\u5e63\u4fa1\u5024\u3092\u4e0b\u3052\u308b\u306e\u3067\u3001\u30a4\u30f3\u30d5\u30ec\u304c\u9ad8\u3044\u74b0\u5883\u3067\u306f\u3001\u305b\u3063\u304b\u304f\u8caf\u84c4\u3057\u305f\u308a\u6295\u8cc7\u3057\u305f\u308a\u3057\u3066\u5f97\u305f\u8cc7\u91d1\u306e\u76f8\u5bfe\u4fa1\u5024\u304c\u4e0b\u304c\u3063\u3066\u3057\u307e\u3046\u304b\u3089\u3067\u3059\u3002\u5225\u306e\u8a00\u3044\u65b9\u3092\u3059\u308b\u3068\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/losemoneybychecking\/\" title=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\"  target=\"_blank\" rel=\"noopener noreferrer\">\u300c\u30a4\u30f3\u30d5\u30ec\u306f\u5229\u56de\u308a\u3092\u98df\u3046\u300d<\/a>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u8868\u9762\u4e0a\u5f97\u3089\u308c\u3066\u3044\u308b\u5229\u56de\u308a\u304c\uff18\uff05\u3067\u3082\u3001\u3082\u3057\u30a4\u30f3\u30d5\u30ec\u304c\uff15\uff05\u3067\u3042\u308c\u3070\u3001\u5b9f\u8cea\u7684\u306a\u5229\u56de\u308a\u306f\uff13\uff05\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3067Inflation\u306e\u9805\u76ee\u306e\u6a2a\u306e\uff1f\u30de\u30fc\u30af\u3092\u30af\u30ea\u30c3\u30af\u3059\u308b\u3068\u308f\u304b\u308b\u3088\u3046\u306b\u30012000\u5e74\u304b\u308910\u5e74\u9593\u306e\u5e73\u5747\u30a4\u30f3\u30d5\u30ec\u7387\u306f2.6\uff05\u307b\u3069\u3067\u3059\u3002\u5b9f\u969b\u306e\u30a4\u30f3\u30d5\u30ec\u7387\u306f\u5e74\u3005\u5909\u308f\u308b\u3082\u306e\u3067\u3001\u5c06\u6765\u4f55\u5341\u5e74\u9593\u3082\u306e\u30a4\u30f3\u30d5\u30ec\u7387\u3092\u6b63\u78ba\u306b\u4e88\u6e2c\u3059\u308b\u3053\u3068\u306f\u3001\u3069\u3093\u306a\u7d4c\u6e08\u5b66\u8005\u3067\u3082\u3067\u304d\u306a\u3044\u3053\u3068\u3067\u3057\u3087\u3046\u304c\u3001\u3053\u3053\u3067\u306f\u3060\u3044\u305f\u3044\uff12\u304b\u3089\uff14\uff05\u3042\u305f\u308a\u306e\u6570\u5b57\u3092\u4f7f\u3044\u3001\u300c\u30a4\u30f3\u30d5\u30ec\u304c\u25cb\uff05\u3060\u3063\u305f\u3089\u3069\u3046\u306a\u308b\u304b\u300d\u3068\u3044\u3046\u3088\u3046\u306b\u6570\u5b57\u3092\u5909\u3048\u3066\u307f\u3066\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b\u3068\u3044\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u306a\u304a\u3001\u3053\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3067\u306f\u3001\u5e74\u53ce\u304c\u30a4\u30f3\u30d5\u30ec\u7387\u3068\u540c\u3058\u7387\u3067\u5e74\u3005\u5897\u52a0\u3057\u3066\u3044\u304f\u3068\u60f3\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u5e74\u9f62<\/strong><\/h3>\n<p>\u300c\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u306e\u306b\u5341\u5206\u306a\u8cc7\u91d1\u3092\u8caf\u3081\u308b\u306e\u306f\u3080\u305a\u304b\u3057\u3044\u300d\u3068\u3044\u3046\u554f\u984c\u306b\u4e00\u756a\u624b\u3063\u53d6\u308a\u65e9\u3044\u89e3\u6c7a\u7b56\u3092\u63d0\u4f9b\u3057\u3066\u304f\u308c\u308b\u306e\u306f\u3001\u30b3\u30ec\u3002\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u5e74\u9f62\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u300260\u6b73\u306e\u4ee3\u308f\u308a\u306b65\u6b73\u300265\u6b73\u306e\u4ee3\u308f\u308a\u306b67\u6b73\u300267\u6b73\u306e\u4ee3\u308f\u308a\u306b70\u6b73\u3068\u30ea\u30bf\u30a4\u30e4\u3092\u5148\u5ef6\u3070\u3057\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u76f4\u63a5\u7684\u306a\u52b9\u679c\u3092\u671f\u5f85\u3067\u304d\u307e\u3059\u3002\u30d5\u30eb\u30bf\u30a4\u30e0\u3067\u50cd\u304f\u4ee3\u308f\u308a\u306b\u3001\u30d1\u30fc\u30c8\u30bf\u30a4\u30e0\u3067\u9577\u304f\u50cd\u304d\u7d9a\u3051\u308b\u3068\u3044\u3046\u306e\u3082\u6709\u7528\u3067\u3059\u3002\u3069\u3093\u306a\u52b9\u679c\u304c\u3042\u308b\u304b\u3068\u3044\u3046\u3068\u30fb\u30fb\u30fb<\/p>\n<ul>\n<li><strong>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3092\u3088\u308a\u9577\u304f\u904b\u7528<\/strong>\uff1a\u3000\u30ea\u30bf\u30a4\u30e4\u3092\u5148\u5ef6\u3070\u3057\u306b\u3059\u308b\u3068\u3001\u30ea\u30bf\u30a4\u30e4\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u5e74\u6570\u3092\u7e2e\u3081\u3001\u305d\u306e\u4ee3\u308f\u308a\u52b4\u50cd\u53ce\u5165\u3092\u5f97\u308b\u671f\u9593\u3092\u5897\u3084\u3059\u3002\u3053\u308c\u306f\u81ea\u660e\u306e\u3053\u3068\u3067\u3059\u304c\u3001\u6700\u91cd\u8981\u30dd\u30a4\u30f3\u30c8\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c$500,000\u3042\u308b\u4eba\u304c\u300165\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3057\u5e74\u9593$40,000\u305a\u3064\u5f15\u304d\u51fa\u3057\u305f\u3068\u3059\u308b\u3068\u30012\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f$493,344\uff08\u5229\u56de\u308a\u306f\uff18\uff05\u3067\u8a08\u7b97\uff09\u3002\u3068\u3053\u308d\u304c\u30ea\u30bf\u30a4\u30e4\u30922\u5e74\u5ef6\u3070\u3057\u306667\u6b73\u3067\u3057\u305f\u3068\u3059\u308b\u3068\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306f\u624b\u4ed8\u304b\u305a\u306e\u307e\u307e\u904b\u7528\u3055\u308c\u3064\u3065\u3051\uff08\u5229\u56de\u308a\u306f\u540c\u69d8\u306b\uff18\uff05\uff09\u30012\u5e74\u5f8c\u306e\u6b8b\u9ad8\u306f$583,200\u3068\u306a\u308a\u3001$100,000\u8fd1\u304f\u306e\u5dee\u3068\u306a\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li><strong>\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u306e\u5e74\u91d1\uff08Retirement Benefits\uff09\u3092\u6700\u5927\u5316<\/strong>\uff1a\u3000\u5e74\u91d1\u958b\u59cb\u306f62\u6b73\u304b\u3089\u53ef\u80fd\u3067\u3059\u304c\u3001\u3053\u308c\u3092\u9045\u3089\u305b\u308b\u307b\u3069\u5e74\u91d1\u984d\u306f\u5897\u3084\u3055\u308c\u307e\u3059\u3002\u5e74\u53ce\u304c$50,000\u306e1970\u5e74\u306e\u4eba\u3092\u4f8b\u306b\u3068\u3063\u3066\u307f\u308b\u3068\u300162\u6b73\u3067\u958b\u59cb\u3057\u305f\u5834\u5408\u306e\u5e74\u91d1\u6708\u984d\u306f$1,181\u300167\u6b73\u3067\u958b\u59cb\u3060\u3068$1,772\u300170\u6b73\u307e\u3067\u9045\u3089\u3059\u3068$2,244\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u5dee\u306f\u6b7b\u306c\u307e\u3067\u4e00\u751f\u306e\u7d9a\u304d\u307e\u3059\u304b\u3089\u3001\u901a\u7523\u3059\u308b\u3068$100,000\u4ee5\u4e0a\u306e\u53d7\u7d66\u984d\u306e\u958b\u304d\u306b\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<ul>\n<li><strong>\u798f\u5229\u539a\u751f\u306e\u7d99\u7d9a<\/strong>\uff1a\u3000\u9577\u304f\u50cd\u304d\u7d9a\u3051\u308b\u3053\u3068\u3067\u798f\u5229\u539a\u751f\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u7d99\u7d9a\u7684\u306b\u53d7\u3051\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u4e2d\u3067\u3082\u5927\u304d\u3044\u306e\u306f\u533b\u7642\u4fdd\u967a\u3002\u30ea\u30bf\u30a4\u30e4\u3057\u3001\u81ea\u5206\u3067\u533b\u7642\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u306e\u3068\u3001\u96c7\u7528\u4e3b\u3092\u901a\u3057\u3066\u52a0\u5165\u3059\u308b\u306e\u3068\u3067\u306f\u3001\u4f55\u5343\u30c9\u30eb\u3082\u306e\u5dee\u304c\u3067\u308b\u3067\u3057\u3087\u3046\u3002\u8a00\u3044\u63db\u3048\u308c\u3070\u3001\u65e9\u671f\u306b\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u3068\u4f55\u5343\u30c9\u30eb\u3082\u306e\u8ffd\u52a0\u8cbb\u7528\u304c\u304b\u304b\u3063\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u304b\u3089\u306e\u5bff\u547d\u5e74\u6570<\/strong><\/h3>\n<p>\u3053\u308c\u306f\u3001\u30ea\u30a2\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3068\u3057\u3066\u305f\u3081\u305f\u3082\u306e\u3067\u751f\u6d3b\u3057\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308b\u5e74\u6570\u3067\u3059\u3002\u307f\u306a\u3055\u3093\u3001\u4f55\u6b73\u307e\u3067\u751f\u304d\u308b\u304a\u3064\u3082\u308a\u3067\u3057\u3087\u3046\u3002\u3069\u3093\u306a\u306b\u8a08\u753b\u304c\u5f97\u610f\u306a\u3072\u3068\u3067\u3082\u3001\u3053\u308c\u3070\u3063\u304b\u308a\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u306d\u3002\u73fe\u5728\u306e\u65e5\u672c\u4eba\u306e\u5bff\u547d\u306f\u7537\u6027\u304c79\u6b73\u3001\u5973\u6027\u304c86\u6b73\u3067\u3042\u308a\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u3059\u3068\u7537\u6027\u304c76\u6b73\u3001\u5973\u6027\u304c81\u6b73\u3068\u3044\u3046\u3068\u3053\u308d\u3067\u3059\u3002\u305f\u3060\u3057\u3053\u306e\u307e\u307e\u533b\u7642\u304c\u9032\u3081\u3070\u5c06\u6765\u7684\u306b\u306f\u5bff\u547d\u3082\u5ef6\u3073\u7d9a\u3051\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306e\u8a08\u753b\u306e\u305f\u3081\u306b\u306f\u5bff\u547d\u306f90\u6b73\u3068\u60f3\u5b9a\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u4e00\u822c\u7684\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u5973\u6027\u306e\u5834\u5408\u306f95\u6b73\u3092\u60f3\u5b9a\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u8cc7\u91d1\u306f\u4f7f\u3044\u679c\u305f\u3057\u3066\u3057\u307e\u3063\u305f\u306e\u306b\u307e\u3060\u751f\u304d\u3066\u3044\u308b\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u3063\u3066\u3082\u5927\u5909\u3067\u3059\u304b\u3089\u3001\u3042\u308b\u7a0b\u5ea6\u4f59\u88d5\u3092\u3082\u3063\u3066\u8caf\u3081\u305f\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u5bff\u547d\u304c90\u6b73\u3060\u3068\u3057\u305f\u3068\u304d\u300165\u6b73\u3067\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u306e\u306a\u3089\u300125\u5e74\u9593\u304c\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u304b\u3089\u306e\u5bff\u547d\u5e74\u6570\u3067\u3042\u308a\u3001\u8caf\u3081\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u309225\u5e74\u9593\u67af\u6e07\u3057\u306a\u3044\u3088\u3046\u306b\u3046\u307e\u304f\u4f7f\u3044\u7d9a\u3051\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u30ea\u30bf\u30a4\u30e4\u3057\u3066\u304b\u3089\u306e\u5e0c\u671b\u53ce\u5165\uff08\u6700\u7d42\u5e74\u53ce\u306b\u5bfe\u3057\u3066\u306e\uff05\uff09<\/strong><\/h3>\n<p>\u30ea\u30bf\u30a4\u30a2\u3057\u305f\u5f8c\u306f\u3001\u5bb6\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u3082\u6b8b\u3063\u3066\u304a\u3089\u305a\u3001\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u3082\u306a\u304f\u3001\u4ed5\u4e8b\u306e\u305f\u3081\u306b\u5fc5\u8981\u3060\u3063\u305f\u7d4c\u8cbb\u3082\u306a\u3044\u3068\u3044\u3046\u72b6\u614b\u304c\u7406\u60f3\u3067\u3059\u306d\u3002\u73fe\u5f79\u6642\u4ee3\u306b\u6bd4\u3079\u3066\u3001\u66ae\u3089\u3057\u306b\u5fc5\u8981\u3068\u306a\u308b\u8cbb\u7528\u306f\u5c11\u306a\u304f\u306a\u308b\u3053\u3068\u3092\u524d\u63d0\u306b\u3057\u305f\u3046\u3048\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u524d\u306e\u5e74\u53ce\u306e\u4f55\uff05\u304f\u3089\u3044\u304c\u30ea\u30bf\u30a4\u30e4\u5f8c\u306b\u306f\u5fc5\u8981\u3067\u3042\u308b\u304b\u306e\u691c\u8a0e\u3092\u3064\u3051\u307e\u3059\u3002<\/p>\n<p>\u3060\u3044\u305f\u304470\uff05\u304b\u308980\uff05\u3068\u3044\u3046\u6570\u5b57\u3092\u4f7f\u3046\u306e\u304c\u4e00\u822c\u7684\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u73fe\u5728\u306e\u53ce\u5165\u306b\u3088\u3063\u3066\u3082\u8003\u616e\u3057\u306a\uff4b\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u306d\u3002\u73fe\u5728\u306e\u53ce\u5165\u304c$40,000\u3067\u3042\u308c\u3070\u3001\u305d\u306e80\uff05\u306e$32,000\u3067\u306f\u751f\u6d3b\u3059\u308b\u3053\u3068\u304c\u56f0\u96e3\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u53cd\u5bfe\u306b\u3001\u73fe\u5728\u306e\u53ce\u5165\u304c$200,000\u3067\u3042\u308c\u3070\u3001\u305d\u306e70\uff05\u306e$140,000\u306f\u5fc5\u8981\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u53b3\u5bc6\u306b\u306f\u3001\u77ed\u7d61\u7684\u306a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3092\u4f7f\u3046\u306e\u3067\u306f\u306a\u304f\u3001\u30ea\u30bf\u30a4\u30e4\u5f8c\u306e\u6708\u3005\u306e\u5fc5\u8981\u7d4c\u8cbb\u3092\u6d17\u3044\u51fa\u3057\u3001\u5b9f\u969b\u306b\u3044\u304f\u3089\u5fc5\u8981\u304b\u3092\u5272\u308a\u51fa\u3059\u307b\u3046\u304c\u3088\u308a\u8cea\u306e\u9ad8\u3044\u30d7\u30e9\u30cb\u30f3\u30b0\u304c\u3067\u304d\u307e\u3059\u3002\u7d30\u304b\u304f\u5fc5\u8981\u7d4c\u8cbb\u3092\u8a08\u7b97\u3057\u305f\u3044\u65b9\u306f\u3001<a target=\"_blank\" href=\"http:\/\/www.helpmefinancial.com\/calculator\/ret01\/how-will-retirement-impact-my-living-expenses\" >\u3053\u3061\u3089\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf<\/a>\u3067\u30ea\u30bf\u30a4\u30e4\u524d\u5f8c\u306e\u7d4c\u8cbb\u306e\u6bd4\u8f03\u30fb\u691c\u8a0e\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>*\u4e0a\u8a18\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u306f\u524a\u9664\u3055\u308c\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u3053\u3061\u3089\u3092\u53c2\u8003\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>https:\/\/personal.vanguard.com\/us\/insights\/retirement\/tool\/retirement-expense-worksheet?lang=en<\/p>\n<h3><strong>\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u307e\u3067\u306e\u5229\u56de\u308a\u3000\u3068\u3000\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u5f8c\u306e\u5229\u56de\u308a<\/strong><\/h3>\n<p>\u5229\u56de\u308a\u306f\u591a\u3051\u308c\u3070\u591a\u3044\u307b\u3046\u304c\u3044\u3044\u306e\u3067\u3059\u304c\u3001\u305d\u306e\u305f\u3081\u306b\u306f\u3088\u308a\u9ad8\u3044\u30ea\u30b9\u30af\u3092\u3068\u3089\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u30ea\u30b9\u30af\u3068\u5229\u56de\u308a\uff08\u30ea\u30bf\u30fc\u30f3\uff09\u306e\u95a2\u4fc2\u306b\u3064\u3044\u3066\u306f<a href=\"https:\/\/smartandresponsible.com\/blog\/risk-return-koroimo\/\" >\u3053\u3061\u3089\u3092\u304a\u8aad\u307f\u304f\u3060\u3055\u3044<\/a>\u3002\u5b9f\u969b\u306b\u306f\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/know-your-risk\/\" title=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\"  target=\"_blank\" rel=\"noopener noreferrer\">\u81ea\u5206\u306e\u8a31\u5bb9\u3067\u304d\u308b\u30ea\u30b9\u30af\u30ec\u30d9\u30eb<\/a>\u3068\u5fc5\u8981\u306a\u8cc7\u91d1\u3092\u8caf\u3081\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u5229\u56de\u308a\u3068\u3092\u8003\u3048\u5408\u308f\u305b\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/asset-allocation2\/\" title=\"\u30a2\u30e1\u30ea\u30ab\u3000\u8001\u5f8c\u3000\u9000\u8077\u3000\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3000401(k)\u3000401k\"  target=\"_blank\" rel=\"noopener noreferrer\">\u3069\u306e\u3088\u3046\u306a\u6295\u8cc7\u306e\u4ed5\u65b9\u3092\u3059\u308c\u3070\u3044\u3044\u304b\u3092\u9078\u3089\u3093\u3067\u3044\u304f<\/a>\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u4e00\u822c\u7684\u306b\u306f\u30ea\u30bf\u30a4\u30e4\u307e\u3067\u6642\u9593\u304c\u3042\u308c\u3070\u3042\u308b\u307b\u3069\u3001\u30ea\u30b9\u30af\u304c\u3068\u308a\u3084\u3059\u3044\u306e\u3067\u7d50\u679c\u7684\u306b\u5229\u56de\u308a\u3082\u9ad8\u304f\u306a\u308a\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u3042\u3068\u306f\u30ea\u30b9\u30af\u304c\u3068\u308a\u306b\u304f\u3044\u306e\u3067\u5229\u56de\u308a\u3082\u4f4e\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u9577\u671f\u7684\u306a\u8a08\u753b\u3068\u5b9a\u671f\u7684\u306a\u30c1\u30a7\u30c3\u30af\u306b\u3088\u3063\u3066\u3001\u8cc7\u91d1\u904b\u7528\u306e\u76ee\u6a19\u3068\u5b9f\u969b\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u6cbf\u3063\u305f\u3082\u306e\u3067\u3042\u308b\u304b\u3092\u78ba\u8a8d\u3057\u3064\u3065\u3051\u3066\u3044\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>\u3053\u3053\u3067\u306f\u30ea\u30bf\u30a4\u30e4\u524d\u306f\uff17\uff05\u3001\u30ea\u30bf\u30a4\u30e4\u5f8c\u306f5.5\uff05\u3068\u3044\u3046\u6570\u5b57\u3092\u4f7f\u3044\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u3082\u3042\u308b\u7a0b\u5ea6\u306e\u7bc4\u56f2\u3067\u4e0a\u4e0b\u3055\u305b\u3066\u307f\u3066\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b\u3068\u3044\u3044\u3067\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u3001\u8a08\u753b\u3069\u304a\u308a\u306e\u5229\u56de\u308a\u304c\u5b9f\u73fe\u3055\u308c\u306a\u304f\u3066\u3082\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8a08\u753b\u304c\u5927\u304d\u304f\u5d29\u308c\u308b\u3053\u3068\u304c\u306a\u3044\u3088\u3046\u3001\u4f59\u88d5\u3092\u6301\u3063\u305f\u8caf\u84c4\u30fb\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u304f\u3053\u3068\u304c\u597d\u307e\u3057\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u306eRetirement Benefits(\u5e74\u91d1)<\/strong><\/h3>\n<p>\u901a\u5e38\u300110\u5e74\u4ee5\u4e0a\u50cd\u3044\u305f\u3072\u3068\u3067\u3042\u308c\u3070\u3001\u5e74\u91d1\u3092\u53d7\u7d66\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u53d7\u7d66\u8cc7\u683c\u3084\u3069\u306e\u304f\u3089\u3044\u8cb0\u3048\u308b\u304b\u306b\u3064\u3044\u3066\u306f<a href=\"https:\/\/smartandresponsible.com\/blog\/ss-retirement-benefi\/\" >\u3053\u3061\u3089\u3092\u304a\u8aad\u307f\u304f\u3060\u3055\u3044<\/a>\u3002\u3053\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3067\u306f\u3001\u73fe\u5728\u306e\u53ce\u5165\u984d\u306b\u3088\u3063\u3066\u3001\u30ea\u30bf\u30a4\u30e4\u3057\u305f\u3068\u304d\u306b\u3082\u3089\u3048\u308b\u5e74\u91d1\u4e88\u60f3\u5024\u3092\u81ea\u52d5\u7684\u306b\u8003\u616e\u3057\u307e\u3059\uff08\uff29\uff4e\uff43\uff4c\uff55de Social Security Benefits?\u306bYes\u3068\u7b54\u3048\u305f\u5834\u5408\uff09\u3002<\/p>\n<p>\u3082\u3057\u81ea\u52d5\u7684\u306b\u8a08\u7b97\u3055\u308c\u308b\u4e88\u60f3\u5024\u3068\u306f\u9055\u3046\u5024\u3092\u4f7f\u3044\u305f\u3044\u5834\u5408\uff08\u305f\u3068\u3048\u3070\u3001\u73fe\u5728\u306e\u4e88\u60f3\u5024\u306f\u5c06\u6765\u304d\u3063\u3068\u30d5\u30eb\u306b\u306f\u8cb0\u3048\u306a\u3044\u3060\u308d\u3046\u3068\u4e88\u6e2c\u3057\u3001\u5c11\u3057\u5c11\u306a\u3081\u306b\u8003\u616e\u3057\u305f\u3044\u5834\u5408\u306a\u3069\uff09\u306f\u3001\u6700\u5f8c\u306e\u5165\u529b\u6b04\u306b\u30de\u30cb\u30e5\u30a2\u30eb\u3067\u5177\u4f53\u7684\u306a\u5e74\u91d1(\u6708\u984d)\u3092\u5165\u308c\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u307e\u305f\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u4ee5\u5916\u306b\u3082\u4f01\u696d\u5e74\u91d1\u306a\u3069\u4ed6\u306e\u5e74\u91d1\u304c\u8cb0\u3048\u308b\u4eba\u306f\u3001\u3053\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3067\u306f\u305d\u306e\u305f\u3081\u306e\u5165\u529b\u6b04\u304c\u3042\u308a\u307e\u305b\u3093\u306e\u3067\uff08\u305d\u306e\u3088\u3046\u306a\u30e9\u30c3\u30ad\u30fc\u306a\u4eba\u306f\u5e74\u3005\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u308b\u306e\u3067\u5272\u611b\u3057\u305f\u306e\u3067\u3057\u3087\u3046\uff09\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u306e\u5e74\u91d1\u3068\u4e00\u7dd2\u306b\u6700\u5f8c\u306e\u5165\u529b\u6b04\u306b\u5408\u8a08\u984d\u3092\u5165\u308c\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u3068\u304f\u306b\u5171\u50cd\u304d\u306e\u592b\u5a66\u306e\u5834\u5408\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fc\u306e\u53d7\u7d66\u958b\u59cb\u3092\u592b\u5a66\u3067\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3057\u3066\u8a08\u753b\u7684\u306b\u884c\u3046\u3053\u3068\u3067\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/ss-maximizing-benefits\/\" 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