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<\/p>\n\n\n\n
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\u8caf\u84c4\u3068\u6295\u8cc7\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u3082\u306e\u3067\u3059\u3002\u8cfc\u5165\u91d1\u984d\u3092\u6700\u3082\u8fd1\u3044\u30c9\u30eb\u306b\u56db\u6368\u4e94\u5165\u3059\u308b\u3053\u3068\u3067\u5dee\u984d\u3092\u6295\u8cc7\u3057\u3001\u6295\u8cc7\u306e\u4e16\u754c\u3078\u306e\u53c2\u5165\u3092\u5bb9\u6613\u306b\u3057\u307e\u3059\u3002<\/p>\n\n\n\n \u3055\u3089\u306b\u3001Acorns \u306f\u30e6\u30fc\u30b6\u30fc\u304c\u6295\u8cc7\u306b\u3064\u3044\u3066\u5b66\u3076\u306e\u306b\u5f79\u7acb\u3064\u6559\u80b2\u6a5f\u80fd\u3092\u63d0\u4f9b\u3057\u3066\u304a\u308a\u3001\u91d1\u878d\u77e5\u8b58\u3092\u5e83\u3052\u305f\u3044\u4eba\u306b\u3068\u3063\u3066\u4fa1\u5024\u306e\u3042\u308b\u9078\u629e\u80a2\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n \u500b\u4eba\u8cc7\u672c<\/strong> \u306f\u3001\u6295\u8cc7\u3068\u8cc7\u7523\u7ba1\u7406\u3092\u76ee\u7684\u3068\u3057\u305f\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u3067\u3059\u3002\u6295\u8cc7\u306e\u8a73\u7d30\u306a\u5206\u6790\u3092\u63d0\u4f9b\u3057\u3001\u30e6\u30fc\u30b6\u30fc\u304c\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u7406\u89e3\u3057\u3001\u5c06\u6765\u306e\u8a08\u753b\u3092\u7acb\u3066\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n\n\n \u3053\u306e\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u306f\u3001 \u91d1\u878d\u6559\u80b2<\/strong> \u771f\u5263\u306b\u8003\u3048\u3066\u304a\u308a\u3001\u6295\u8cc7\u3068\u9000\u8077\u5f8c\u306e\u8a08\u753b\u3092\u3088\u308a\u52b9\u679c\u7684\u306b\u7ba1\u7406\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n \u3042 \u91d1\u878d\u6559\u80b2<\/strong> \u6295\u8cc7\u306b\u3064\u3044\u3066\u306e\u7406\u89e3\u3082\u542b\u307e\u308c\u307e\u3059\u3002\u6295\u8cc7\u306f\u3001\u304a\u91d1\u3092\u5897\u3084\u3057\u3066\u9577\u671f\u7684\u306a\u8ca1\u52d9\u76ee\u6a19\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306e\u52b9\u679c\u7684\u306a\u65b9\u6cd5\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u3055\u307e\u3056\u307e\u306a\u7a2e\u985e\u306e\u6295\u8cc7\u3068\u305d\u308c\u305e\u308c\u306e\u30ea\u30b9\u30af\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u682a\u5f0f\u304b\u3089\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u306b\u81f3\u308b\u307e\u3067\u3001\u5206\u6563\u306f\u30ea\u30b9\u30af\u3092\u8efd\u6e1b\u3057\u3001\u30ea\u30bf\u30fc\u30f3\u3092\u6700\u5927\u5316\u3059\u308b\u9375\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u8caf\u84c4\u306f\u57fa\u672c\u7684\u306a\u5074\u9762\u3067\u3059 \u91d1\u878d\u6559\u80b2<\/strong>\u3002\u7dca\u6025\u8cc7\u91d1\u3092\u7528\u610f\u3057\u3066\u304a\u304f\u3068\u3001\u7d4c\u6e08\u7684\u306a\u5b89\u5b9a\u3092\u640d\u306a\u3046\u3053\u3068\u306a\u304f\u3001\u4e88\u671f\u305b\u306c\u51fa\u6765\u4e8b\u306b\u5bfe\u51e6\u3059\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u5bb6\u306e\u8cfc\u5165\u3084\u5b50\u4f9b\u306e\u6559\u80b2\u306a\u3069\u3001\u7279\u5b9a\u306e\u76ee\u6a19\u306b\u5411\u3051\u3066\u8caf\u84c4\u3059\u308b\u306b\u306f\u3001\u8a08\u753b\u3068\u8ca1\u52d9\u898f\u5f8b\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n \u3042 \u91d1\u878d\u6559\u80b2<\/strong> \u304a\u91d1\u306b\u3064\u3044\u3066\u60c5\u5831\u306b\u57fa\u3065\u3044\u305f\u6c7a\u5b9a\u3092\u4e0b\u3057\u3001\u501f\u91d1\u3092\u7ba1\u7406\u3057\u3001\u5c06\u6765\u306b\u5099\u3048\u3066\u8caf\u84c4\u3057\u3001\u9577\u671f\u7684\u306a\u7d4c\u6e08\u7684\u5b89\u5168\u3092\u78ba\u4fdd\u3059\u308b\u305f\u3081\u306b\u306f\u4e0d\u53ef\u6b20\u3067\u3059\u3002<\/p>\n\n\n\n Acorns \u306a\u3069\u306e\u5206\u5272\u6295\u8cc7\u307e\u305f\u306f\u81ea\u52d5\u6295\u8cc7\u3092\u53ef\u80fd\u306b\u3059\u308b\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u3092\u4f7f\u7528\u3059\u308b\u3068\u3001\u5c11\u984d\u306e\u8cc7\u91d1\u3067\u6295\u8cc7\u3092\u59cb\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u7ba1\u7406\u624b\u6570\u6599\u304c\u5b89\u3044\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u3068\u3044\u3046\u9078\u629e\u80a2\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n \u4e88\u7b97\u3092\u7acb\u3066\u308b\u6700\u5584\u306e\u65b9\u6cd5\u306f\u3001\u53ce\u5165\u3068\u652f\u51fa\u3092\u8a08\u753b\u3057\u3001\u660e\u78ba\u306a\u8ca1\u52d9\u76ee\u6a19\u3092\u8a2d\u5b9a\u3057\u3001\u5b9a\u671f\u7684\u306b\u652f\u51fa\u3092\u76e3\u8996\u3057\u3066\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u4e88\u7b97\u3092\u8abf\u6574\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n \u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u6539\u5584\u3059\u308b\u306b\u306f\u3001\u8acb\u6c42\u66f8\u3092\u671f\u65e5\u901a\u308a\u306b\u652f\u6255\u3044\u3001\u8ca0\u50b5\u6b8b\u9ad8\u3092\u6e1b\u3089\u3057\u3001\u65b0\u3057\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u983b\u7e41\u306b\u7533\u8acb\u3057\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u9577\u304f\u591a\u69d8\u306a\u4fe1\u7528\u5c65\u6b74\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3082\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n\n\n \u307b\u3068\u3093\u3069\u306e\u91d1\u878d\u30a2\u30d7\u30ea\u306f\u5805\u7262\u306a\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5bfe\u7b56\u3092\u63a1\u7528\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u30a2\u30d7\u30ea\u306e\u8a55\u5224\u3092\u30c1\u30a7\u30c3\u30af\u3057\u3001\u6697\u53f7\u5316\u3084\u305d\u306e\u4ed6\u306e\u30c7\u30fc\u30bf\u4fdd\u8b77\u624b\u6bb5\u304c\u78ba\u5b9f\u306b\u4f7f\u7528\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n \u9000\u8077\u5f8c\u306e\u8caf\u84c4\u306b\u306f\u3001\u65e9\u671f\u306b\u958b\u59cb\u3057\u3001\u7c73\u56fd\u306e 401(k) \u306a\u3069\u306e\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u9000\u8077\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3057\u3001\u500b\u4eba\u9000\u8077\u53e3\u5ea7 (IRA) \u306e\u958b\u8a2d\u3092\u691c\u8a0e\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n \u7dca\u6025\u8cc7\u91d1\u306f\u4e88\u671f\u305b\u306c\u51fa\u8cbb\u3084\u53ce\u5165\u306e\u640d\u5931\u3092\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306b\u8a2d\u8a08\u3055\u308c\u305f\u8ca1\u653f\u6e96\u5099\u91d1\u3067\u3042\u308a\u3001\u5b9a\u671f\u7684\u306a\u8caf\u84c4\u306f\u65c5\u884c\u3084\u5546\u54c1\u306e\u8cfc\u5165\u306a\u3069\u306e\u7279\u5b9a\u306e\u7d4c\u6e08\u7684\u76ee\u6a19\u3092\u76ee\u7684\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n \u501f\u91d1\u3092\u8fd4\u6e08\u3059\u308b\u304b\u6295\u8cc7\u3059\u308b\u304b\u3092\u6c7a\u5b9a\u3059\u308b\u306e\u306f\u3001\u501f\u91d1\u306e\u91d1\u5229\u3068\u6f5c\u5728\u7684\u306a\u6295\u8cc7\u53ce\u76ca\u7387\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u3002\u4e00\u822c\u306b\u3001\u6295\u8cc7\u306e\u524d\u306b\u9ad8\u91d1\u5229\u306e\u501f\u91d1\u3092\u8fd4\u6e08\u3059\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002<\/p>\n\n\n\n \u5b50\u3069\u3082\u305f\u3061\u306b\u91d1\u878d\u30ea\u30c6\u30e9\u30b7\u30fc\u3092\u6559\u3048\u308b\u306b\u306f\u3001\u304a\u91d1\u306b\u3064\u3044\u3066\u30aa\u30fc\u30d7\u30f3\u306b\u8a71\u3057\u3001\u7ba1\u7406\u3059\u308b\u305f\u3081\u306e\u304a\u5c0f\u9063\u3044\u3092\u4e0e\u3048\u3001\u610f\u8b58\u7684\u306b\u7bc0\u7d04\u3057\u3066\u4f7f\u3046\u3088\u3046\u5968\u52b1\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n \u7d4c\u6e08\u7684\u306b\u56f0\u96e3\u306b\u76f4\u9762\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u4e88\u7b97\u3092\u898b\u76f4\u3057\u3001\u4e0d\u5fc5\u8981\u306a\u51fa\u8cbb\u3092\u524a\u6e1b\u3057\u3001\u8ca1\u52d9\u4e0a\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u6c42\u3081\u3001\u50b5\u52d9\u306e\u518d\u4ea4\u6e09\u3092\u691c\u8a0e\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n <\/p>\n\n\n\n\u91d1\u878d\u6559\u80b2\u306e\u57fa\u790e<\/strong><\/h3>\n\n\n\n
\u500b\u4eba\u304a\u3088\u3073\u5bb6\u65cf\u306e\u4e88\u7b97<\/strong><\/h4>\n\n\n\n
\u7d4c\u8cbb\u7ba1\u7406<\/strong><\/h4>\n\n\n\n
\u8ca1\u52d9\u7ba1\u7406\u7528\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3<\/strong><\/h3>\n\n\n\n
\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u300c\u91d1\u878d\u6559\u80b2\u300d\u3068\u3044\u3046\u30ad\u30fc\u30ef\u30fc\u30c9\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u8a18\u4e8b\u3092\u30ea\u30e9\u30a4\u30c8\u3057\u3001\u8aad\u307f\u3084\u3059\u3055\u3092\u7dad\u6301\u3057\u3064\u3064\u30ad\u30fc\u30ef\u30fc\u30c9\u3092\u9069\u5207\u306b\u76db\u308a\u8fbc\u307f\u306a\u304c\u3089\u3001\u8981\u6c42\u3055\u308c\u305f\u6587\u5b57\u6570\u306b\u9054\u3059\u308b\u307e\u3067\u5185\u5bb9\u3092\u62e1\u5927\u3057\u307e\u3059\u3002\u30bf\u30a4\u30c8\u30eb\u3082\u30ad\u30fc\u30ef\u30fc\u30c9\u3092\u53cd\u6620\u3059\u308b\u3088\u3046\u306b\u8abf\u6574\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u8a18\u4e8b\u306e\u6539\u8a02\u304a\u3088\u3073\u62e1\u5f35\u7248\u306f\u6b21\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n\n\n\n
\n\n\n\n\u300c\u91d1\u878d\u6559\u80b2: \u500b\u4eba\u306e\u304a\u91d1\u3092\u7ba1\u7406\u3059\u308b\u305f\u3081\u306e\u6226\u7565\u300d<\/strong><\/h3>\n\n\n\n
\u91d1\u878d\u6559\u80b2\u5165\u9580<\/strong><\/h3>\n\n\n\n
\u91d1\u878d\u6559\u80b2\u306e\u57fa\u790e<\/strong><\/h3>\n\n\n\n
\u500b\u4eba\u304a\u3088\u3073\u5bb6\u65cf\u306e\u4e88\u7b97<\/strong><\/h4>\n\n\n\n
\u7d4c\u8cbb\u7ba1\u7406<\/strong><\/h4>\n\n\n\n
\u8ca1\u52d9\u7ba1\u7406\u7528\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3<\/strong><\/h3>\n\n\n\n
1.\u30df\u30f3\u30c8<\/strong><\/h4>\n\n\n\n
2. \u4e88\u7b97\u304c\u5fc5\u8981 (YNAB)<\/strong><\/h4>\n\n\n\n
3. \u3069\u3093\u3050\u308a<\/strong><\/h4>\n\n\n\n
4. \u500b\u4eba\u8cc7\u672c<\/strong><\/h4>\n\n\n\n
\u6295\u8cc7\u3068\u8caf\u84c4: \u91d1\u878d\u6559\u80b2\u306e\u62e1\u5927<\/strong><\/h3>\n\n\n\n
\u6295\u8cc7\u3092\u7406\u89e3\u3059\u308b<\/strong><\/h4>\n\n\n\n
\u8caf\u84c4\u306e\u5927\u5207\u3055<\/strong><\/h4>\n\n\n\n
\u91d1\u878d\u6559\u80b2\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f<\/strong><\/h3>\n\n\n\n
1. \u91d1\u878d\u6559\u80b2\u306f\u306a\u305c\u91cd\u8981\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
2. \u5c11\u306a\u3044\u8cc7\u91d1\u3067\u6295\u8cc7\u3092\u59cb\u3081\u308b\u306b\u306f\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
3. \u4e88\u7b97\u3092\u7acb\u3066\u308b\u6700\u5584\u306e\u65b9\u6cd5\u306f\u4f55\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
4. \u4fe1\u7528\u30b9\u30b3\u30a2\u3092\u5411\u4e0a\u3059\u308b\u306b\u306f\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
5. \u91d1\u878d\u30a2\u30d7\u30ea\u3092\u4f7f\u7528\u3059\u308b\u306e\u306f\u5b89\u5168\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
6. \u9000\u8077\u5f8c\u306b\u5099\u3048\u3066\u3069\u306e\u3088\u3046\u306b\u8caf\u84c4\u3059\u308c\u3070\u3088\u3044\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
7. \u7dca\u6025\u8cc7\u91d1\u3068\u901a\u5e38\u306e\u8caf\u84c4\u306e\u9055\u3044\u306f\u4f55\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
8. \u501f\u91d1\u3092\u8fd4\u6e08\u3059\u308b\u306e\u304c\u5148\u304b\u3001\u305d\u308c\u3068\u3082\u6295\u8cc7\u3092\u5148\u306b\u3059\u308b\u3079\u304d\u3067\u3057\u3087\u3046\u304b?<\/strong><\/h4>\n\n\n\n
9. \u5b50\u4f9b\u306b\u91d1\u878d\u6559\u80b2\u3092\u3069\u306e\u3088\u3046\u306b\u6559\u3048\u308c\u3070\u3088\u3044\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n
10. \u7d4c\u6e08\u7684\u306b\u56f0\u96e3\u306b\u9665\u3063\u305f\u5834\u5408\u306f\u3069\u3046\u3059\u308c\u3070\u3088\u3044\u3067\u3059\u304b?<\/strong><\/h4>\n\n\n\n