\u30a2\u30e1\u30ea\u30ab\u5408\u8846\u56fd\u306e\u30c9\u30ca\u30eb\u30c9\u30fb\u30c8\u30e9\u30f3\u30d7\u5927\u7d71\u9818\u306f\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30a8\u30af\u30a4\u30c6\u30a3\u3001\u6697\u53f7\u901a\u8ca8\u3001\u4e0d\u52d5\u7523\u306a\u3069\u306e\u4ee3\u66ff\u8cc7\u7523\u3092401(k)\u30d7\u30e9\u30f3\u306b\u53d6\u308a\u5165\u308c\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3059\u308b\u5927\u7d71\u9818\u4ee4\u306b\u7f72\u540d\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u3053\u306e\u767a\u8868\u306f\u3001\u30db\u30ef\u30a4\u30c8\u30cf\u30a6\u30b9\u306e\u9ad8\u5b98\u306b\u3088\u308b\u3082\u306e\u3067\u3001\u6728\u66dc\u65e5\u306b\u4e88\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u3053\u306e\u5927\u7d71\u9818\u4ee4\u306f\u30011974\u5e74\u306e\u5f93\u696d\u54e1\u9000\u8077\u6240\u5f97\u4fdd\u969c\u6cd5\uff08ERISA\uff09\u306b\u57fa\u3065\u3044\u3066\u904b\u55b6\u3055\u308c\u308b401(k)\u304a\u3088\u3073\u305d\u306e\u4ed6\u306e\u78ba\u5b9a\u62e0\u51fa\u30d7\u30e9\u30f3\u306b\u304a\u3051\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u6295\u8cc7\u306b\u95a2\u3059\u308b\u4fe1\u8a17\u7fa9\u52d9\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u898b\u76f4\u3059\u3088\u3046\u3001\u7c73\u56fd\u52b4\u50cd\u9577\u5b98\u306b\u6307\u793a\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u9023\u90a6\u6cd5\u306f\u307b\u3068\u3093\u3069\u306e\u9000\u8077\u30d7\u30e9\u30f3\u306e\u6700\u4f4e\u57fa\u6e96\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u4eca\u56de\u306e\u5927\u7d71\u9818\u4ee4\u306f\u3001\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u306b\u304a\u3051\u308b\u4ee3\u66ff\u8cc7\u7523\u696d\u754c\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u52dd\u5229\u3092\u610f\u5473\u3057\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8cc7\u7523\u306e\u3088\u308a\u5e83\u7bc4\u306a\u63a1\u7528\u3092\u63a8\u9032\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3053\u306e\u30cb\u30e5\u30fc\u30b9\u3092\u53d7\u3051\u3066\u3001\u30d3\u30c3\u30c8\u30b3\u30a4\u30f3\u306f\u6025\u9a30\u3057\u3001\u30a2\u30dd\u30ed\u30fb\u30b0\u30eb\u30fc\u30d7\uff08Apollo Group\uff09\u306a\u3069\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30a8\u30af\u30a4\u30c6\u30a3\u682a\u3082\u82e5\u5e72\u306e\u4e0a\u6607\u3092\u898b\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n
401(k)\u30d7\u30e9\u30f3\u3067\u306f\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u8cc7\u7523\u306f\u4f1d\u7d71\u7684\u306b\u9664\u5916\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5e74\u91d1\u57fa\u91d1\u3084\u5927\u5b66\u306e\u57fa\u91d1\u3067\u306f\u53d7\u3051\u5165\u308c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u7406\u7531\u306f\u3001\u9ad8\u3044\u624b\u6570\u6599\u3084\u900f\u660e\u6027\u306e\u6b20\u5982\u3001\u9577\u671f\u306e\u30ed\u30c3\u30af\u30a2\u30c3\u30d7\u671f\u9593\u306a\u3069\u304c\u30ea\u30b9\u30af\u306e\u9ad8\u3044\u6295\u8cc7\u3068\u898b\u306a\u3055\u308c\u308b\u305f\u3081\u3067\u3059\u3002\u3060\u304c\u30012020\u5e74\u306b\u306f\u3001\u521d\u4ee3\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u4e0b\u306e\u52b4\u50cd\u7701\u304c\u7279\u5b9a\u306e\u6761\u4ef6\u4e0b\u3067\u78ba\u5b9a\u62e0\u51fa\u30d7\u30e9\u30f3\u306b\u304a\u3044\u3066\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u3078\u306e\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u304c\u8a31\u53ef\u3055\u308c\u308b\u3068\u3044\u3046\u60c5\u5831\u30ec\u30bf\u30fc\u3092\u767a\u884c\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u305d\u306e\u5f8c\u3001\u30d0\u30a4\u30c7\u30f3\u653f\u6a29\u306e\u6307\u5c0e\u306e\u4e0b\u306b\u304a\u3044\u3066\u3082\u627f\u8a8d\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
401(k)\u30d7\u30e9\u30f3\u306b\u304a\u3051\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u3078\u306e\u6295\u8cc7\u306e\u5b58\u5728\u611f\u306f\u3059\u3067\u306b\u9ad8\u307e\u3063\u3066\u304a\u308a\u3001\u30a2\u30e1\u30ea\u30ab\u56fd\u5185\u3067\u306f\u7d048.7\u5146\u30c9\u30eb\u306e\u8cc7\u7523\u304c401(k)\u30d7\u30e9\u30f3\u3067\u4fdd\u6709\u3055\u308c\u3066\u3044\u307e\u3059\uff082025\u5e74\u7b2c1\u56db\u534a\u671f\u306e\u6295\u8cc7\u4f1a\u793e\u5354\u4f1a\u306e\u30c7\u30fc\u30bf\u306b\u3088\u308b\uff09\u3002\u307e\u305f\u3001\u4e16\u754c\u6700\u5927\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3067\u3042\u308b\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af\uff08BlackRock\uff09\u306f\u30012026\u5e74\u4e0a\u534a\u671f\u306b5%\u304b\u308920%\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u6295\u8cc7\u3092\u542b\u3080401(k)\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30fc\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u958b\u59cb\u3059\u308b\u3068\u767a\u8868\u3057\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u7c73\u56fd\u30672\u756a\u76ee\u306b\u5927\u304d\u306a\u9000\u8077\u30d7\u30e9\u30f3\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3067\u3042\u308b\u30a8\u30f3\u30d1\u30ef\u30fc\uff08Empower\uff09\u3082\u3001\u4eca\u5e74\u4e2d\u306b\u30a2\u30dd\u30ed\u306a\u3069\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3068\u63d0\u643a\u3057\u3066\u4e00\u90e8\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8cc7\u7523\u3092\u8a31\u53ef\u3059\u308b\u8a08\u753b\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u30a2\u30e1\u30ea\u30ab\u5408\u8846\u56fd\u306e\u30c9\u30ca\u30eb\u30c9\u30fb\u30c8\u30e9\u30f3\u30d7\u5927\u7d71\u9818\u306f\u3001\u4ee3\u66ff\u8cc7\u7523\u3092401(k)\u30d7\u30e9\u30f3\u306b\u53d6\u308a\u5165\u308c\u308b\u5927\u7d71\u9818\u4ee4\u306b\u7f72\u540d\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u3053\u306e\u6c7a\u5b9a\u306f\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8cc7\u7523\u306e\u63a1\u7528\u3092\u4fc3\u9032\u3057\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":839392,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5005],"tags":[],"class_list":{"0":"post-839389","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-markets-ja"},"raw_content":"
\u30a2\u30e1\u30ea\u30ab\u5408\u8846\u56fd\u306e\u30c9\u30ca\u30eb\u30c9\u30fb\u30c8\u30e9\u30f3\u30d7\u5927\u7d71\u9818\u306f\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30a8\u30af\u30a4\u30c6\u30a3\u3001\u6697\u53f7\u901a\u8ca8\u3001\u4e0d\u52d5\u7523\u306a\u3069\u306e\u4ee3\u66ff\u8cc7\u7523\u3092401(k)\u30d7\u30e9\u30f3\u306b\u53d6\u308a\u5165\u308c\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3059\u308b\u5927\u7d71\u9818\u4ee4\u306b\u7f72\u540d\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u3053\u306e\u767a\u8868\u306f\u3001\u30db\u30ef\u30a4\u30c8\u30cf\u30a6\u30b9\u306e\u9ad8\u5b98\u306b\u3088\u308b\u3082\u306e\u3067\u3001\u6728\u66dc\u65e5\u306b\u4e88\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u3053\u306e\u5927\u7d71\u9818\u4ee4\u306f\u30011974\u5e74\u306e\u5f93\u696d\u54e1\u9000\u8077\u6240\u5f97\u4fdd\u969c\u6cd5\uff08ERISA\uff09\u306b\u57fa\u3065\u3044\u3066\u904b\u55b6\u3055\u308c\u308b401(k)\u304a\u3088\u3073\u305d\u306e\u4ed6\u306e\u78ba\u5b9a\u62e0\u51fa\u30d7\u30e9\u30f3\u306b\u304a\u3051\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u6295\u8cc7\u306b\u95a2\u3059\u308b\u4fe1\u8a17\u7fa9\u52d9\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u898b\u76f4\u3059\u3088\u3046\u3001\u7c73\u56fd\u52b4\u50cd\u9577\u5b98\u306b\u6307\u793a\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u9023\u90a6\u6cd5\u306f\u307b\u3068\u3093\u3069\u306e\u9000\u8077\u30d7\u30e9\u30f3\u306e\u6700\u4f4e\u57fa\u6e96\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u4eca\u56de\u306e\u5927\u7d71\u9818\u4ee4\u306f\u3001\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u306b\u304a\u3051\u308b\u4ee3\u66ff\u8cc7\u7523\u696d\u754c\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u52dd\u5229\u3092\u610f\u5473\u3057\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8cc7\u7523\u306e\u3088\u308a\u5e83\u7bc4\u306a\u63a1\u7528\u3092\u63a8\u9032\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3053\u306e\u30cb\u30e5\u30fc\u30b9\u3092\u53d7\u3051\u3066\u3001\u30d3\u30c3\u30c8\u30b3\u30a4\u30f3\u306f\u6025\u9a30\u3057\u3001\u30a2\u30dd\u30ed\u30fb\u30b0\u30eb\u30fc\u30d7\uff08Apollo Group\uff09\u306a\u3069\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30a8\u30af\u30a4\u30c6\u30a3\u682a\u3082\u82e5\u5e72\u306e\u4e0a\u6607\u3092\u898b\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n
401(k)\u30d7\u30e9\u30f3\u3067\u306f\u3001\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u8cc7\u7523\u306f\u4f1d\u7d71\u7684\u306b\u9664\u5916\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5e74\u91d1\u57fa\u91d1\u3084\u5927\u5b66\u306e\u57fa\u91d1\u3067\u306f\u53d7\u3051\u5165\u308c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u7406\u7531\u306f\u3001\u9ad8\u3044\u624b\u6570\u6599\u3084\u900f\u660e\u6027\u306e\u6b20\u5982\u3001\u9577\u671f\u306e\u30ed\u30c3\u30af\u30a2\u30c3\u30d7\u671f\u9593\u306a\u3069\u304c\u30ea\u30b9\u30af\u306e\u9ad8\u3044\u6295\u8cc7\u3068\u898b\u306a\u3055\u308c\u308b\u305f\u3081\u3067\u3059\u3002\u3060\u304c\u30012020\u5e74\u306b\u306f\u3001\u521d\u4ee3\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u4e0b\u306e\u52b4\u50cd\u7701\u304c\u7279\u5b9a\u306e\u6761\u4ef6\u4e0b\u3067\u78ba\u5b9a\u62e0\u51fa\u30d7\u30e9\u30f3\u306b\u304a\u3044\u3066\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u3078\u306e\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u304c\u8a31\u53ef\u3055\u308c\u308b\u3068\u3044\u3046\u60c5\u5831\u30ec\u30bf\u30fc\u3092\u767a\u884c\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u305d\u306e\u5f8c\u3001\u30d0\u30a4\u30c7\u30f3\u653f\u6a29\u306e\u6307\u5c0e\u306e\u4e0b\u306b\u304a\u3044\u3066\u3082\u627f\u8a8d\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
401(k)\u30d7\u30e9\u30f3\u306b\u304a\u3051\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u5e02\u5834\u3078\u306e\u6295\u8cc7\u306e\u5b58\u5728\u611f\u306f\u3059\u3067\u306b\u9ad8\u307e\u3063\u3066\u304a\u308a\u3001\u30a2\u30e1\u30ea\u30ab\u56fd\u5185\u3067\u306f\u7d048.7\u5146\u30c9\u30eb\u306e\u8cc7\u7523\u304c401(k)\u30d7\u30e9\u30f3\u3067\u4fdd\u6709\u3055\u308c\u3066\u3044\u307e\u3059\uff082025\u5e74\u7b2c1\u56db\u534a\u671f\u306e\u6295\u8cc7\u4f1a\u793e\u5354\u4f1a\u306e\u30c7\u30fc\u30bf\u306b\u3088\u308b\uff09\u3002\u307e\u305f\u3001\u4e16\u754c\u6700\u5927\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3067\u3042\u308b\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af\uff08BlackRock\uff09\u306f\u30012026\u5e74\u4e0a\u534a\u671f\u306b5%\u304b\u308920%\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u6295\u8cc7\u3092\u542b\u3080401(k)\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30fc\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u958b\u59cb\u3059\u308b\u3068\u767a\u8868\u3057\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u7c73\u56fd\u30672\u756a\u76ee\u306b\u5927\u304d\u306a\u9000\u8077\u30d7\u30e9\u30f3\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3067\u3042\u308b\u30a8\u30f3\u30d1\u30ef\u30fc\uff08Empower\uff09\u3082\u3001\u4eca\u5e74\u4e2d\u306b\u30a2\u30dd\u30ed\u306a\u3069\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3068\u63d0\u643a\u3057\u3066\u4e00\u90e8\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u8cc7\u7523\u3092\u8a31\u53ef\u3059\u308b\u8a08\u753b\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n","_links":{"self":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts\/839389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/comments?post=839389"}],"version-history":[{"count":0,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/posts\/839389\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/media\/839392"}],"wp:attachment":[{"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/media?parent=839389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/categories?post=839389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ztylezman.com\/ja\/wp-json\/wp\/v2\/tags?post=839389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}