çžç¶äººå šå¡ãæŸæ£ããŠããŸã£ãŠæ®ã£ãã財ç£ãæŸæ£ããã財ç£ã¯ã©ãã«
ããã§çµäºïŒã§ã¯ãæŸæ£ããã財ç£ã¯ã©ããªãã®ã§ããããã
CFP(R)èªå®è
ç¢ºå®æ åºå¹Žéçžè«ãã£ãšèªå®FP
倧åŠïŒå·¥åŠéšïŒåæ¥åŸãæ©æ¢èšèšã®äŒç€Ÿã§èšèšæ¥åã«æºãããçµå©ã§å°æ¥äž»å©Šãšãªãã倫ã®ç¬ç«ãæ©ã«çµçã»ç·åã«è»¢èº«ãäºæ¥ãšå®¶åºã®ãã¡ã€ãã³ã·ã£ã«ã»ãã©ã³ããŒãšãªããã³ãŒãã³ã°è³æ Œãç¿åŸããééé¢ã ãã§ãªãå¿ã®é¢ãããã幞ãã«çããããµããŒããããŠããã4人ã®åã®æ¯ãä¿éºãéèååã売ããªãç¬ç«ç³»ãã¡ã€ãã³ã·ã£ã«ã»ãã©ã³ããŒã
ç®æ¬¡
çžç¶è²¡ç£ç®¡ç人ã¯ç³ãç«ãŠãããªããšéžä»»ãããªã
çžç¶äººããããããªããåãããªããšãããçžç¶äººãå
šå¡çžç¶æŸæ£ããŠçžç¶ããè
ãããªããªã£ããšããå©å®³é¢ä¿ã®ãã人ããã®ç³ãç«ãŠã«ãããå®¶åºè£å€æã¯çžç¶è²¡ç£ç®¡ç人ãéžä»»ããŸãã
çžç¶è²¡ç£ç®¡ç人ã¯ã被çžç¶äººã®è²¡ç£ãæž
ç®ãã嵿š©è
ã«å¯Ÿãåµåã®æ¯æããããŸããæž
ç®åŸæ®ã£ã財ç£ãããã°ãåœåº«ã«åž°å±ãããŸãã被çžç¶ãšç¹å¥ã®çžæ
ã«ãã£ãè
ïŒç¹å¥çžæ
è
ïŒããã®ç³ãç«ãŠã«ãçžç¶è²¡ç£åäžããªãããå ŽåããããŸãã
ç³ç«äººã¯ãå©å®³é¢ä¿äººãæ€å¯å®ã§ããå©å®³é¢ä¿äººãšã¯ã被çžç¶äººã®åµæš©è
ãç¹å®éºèŽãåããè
ãç¹å¥çžæ
è
ãªã©ã§ãã身å¯ãã®ãªãå人ãã¿ãšã£ããã©ãéºèšç¶ã¯äœããªãã被çžç¶äººã®æåŸã®äœæå°ã®å®¶åºè£å€æã«ç³ãç«ãŠãããŸãã
ç³ãç«ãŠã«å¿ èŠãªè²»çš
ç³ãç«ãŠã«å¿
èŠãªè²»çšã¯ä»¥äžã®ãšããã§ãã
ã»åå
¥å°çŽ800åå
ã»é£çµ¡çšã®éµäŸ¿åæ
è£å€æããšã«ç°ãªããŸãããäŸãã°å²éå°æ¹è£å€æã®å Žåã¯ä»¥äžã®ããã«ãªããŸãã
âçžç¶è²¡ç£ç®¡ç人éžä»»ïŒçžç¶äººäžååšïŒã®å ŽåâŠâŠ500åÃ2æã100åÃ3æã84åÃ5æã10åÃ5æã5åÃ2æãããèš1780å
âç¹å¥çžæ
è
ã«å¯Ÿããçžç¶è²¡ç£åäžã®å Žåã»ã»ã»500Ã4æã84Ã8æã10åÃ4æãããèš2712å
ã»å®å ±å
¬åæ4230åïŒå®¶åºè£å€æã®æç€ºããã£ãŠããçŽããŸãïŒ
çžç¶è²¡ç£ç®¡ç人ã®å ±é
¬ã¯ãçžç¶è²¡ç£ããæ¯æãããŸãããããã財ç£ãå°ãªãå ±é
¬ãæ¯æãããªããšèŠèŸŒãŸãããšãã¯ãäºçŽéã®çŽä»ãå¿
èŠã«ãªãããšããããŸããç³ç«äººãçŽããäºçŽéã財ç£ç®¡ç人ã®å ±é
¬ã«ããããã§ãã
ç³ãç«ãŠã«å¿ èŠãªæžé¡
ãå®¶äºå¯©å€ç³ç«æžãäºä»¶åïŒçžç¶è²¡ç£ç®¡ç人éžä»»ïŒããæåºããŸãã
æšæºçãªç³ãç«ãŠã«æ·»ä»ããæžé¡ã¯ä»¥äžã®ãã®ã§ãã
ã»è¢«çžç¶äººã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®ç¶æ¯ã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®åïŒããã³ãã®ä»£è¥²è
ïŒã§æ»äº¡ããŠããæ¹ãããå Žåããã®åïŒããã³ãã®ä»£è¥²è
ïŒã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®çŽç³»å°å±ã®æ»äº¡ã®èšèŒã®ããæžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®å
åŒå§åŠ¹ã§æ»äº¡ããŠããæ¹ãããå Žåããã®å
åŒå§åйã®åºçæããæ»äº¡æãŸã§ã®å
šãŠã®æžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»ä»£è¥²è
ãšããŠã®ããããã§æ»äº¡ããŠããæ¹ãããå Žåããã®ãããŸãã¯ããã®æ»äº¡ã®èšèŒãããæžç±ïŒé€ç±ãæ¹æ£åæžç±ïŒè¬æ¬
ã»è¢«çžç¶äººã®äœæ°ç¥šé€ç¥šãŸãã¯æžç±é祚
ã»è²¡ç£ã蚌ããè³æïŒäžåç£ç»èšäºé
èšŒææžïŒæªç»èšã®å Žåã¯åºå®è³ç£è©äŸ¡èšŒææžïŒãé 貯éããã³æäŸ¡èšŒåžã®æ®é«ãåããæžé¡ïŒéåž³åããæ®é«èšŒææžïŒçïŒ
ã»å©å®³é¢ä¿äººããã®ç³ãç«ãŠã®å Žåãå©å®³é¢ä¿ã蚌ããè³æïŒæžç±è¬æ¬ïŒå
šéšäºé
èšŒææžïŒãééæ¶è²»è²žåå¥çŽæžåãçïŒ
ã»è²¡ç£ç®¡ç人ã®åè£è
ãããå Žåã¯ãã®äœæ°ç¥šãŸãã¯æžç±é祚
ç³ãç«ãŠãããåŸã®æç¶ã
å®¶åºè£å€æã¯ãçžç¶è²¡ç£ç®¡ç人éžä»»ã®å¯©å€ããããšãã¯ãçžç¶è²¡ç£ç®¡ç人ãéžä»»ãããããšãç¥ãããããã®å
¬åãããŸãã
éžä»»ãããå
¬åãã2ã¶æãçµéããŠããâŠâŠ
財ç£ç®¡ç人ã¯ãçžç¶è²¡ç£ã®åµæš©è
ã»åéºè
ã確èªããããã®å
¬åãããŸãã
çžç¶è²¡ç£ã®åµæš©è
ã»åéºè
ã確èªããå
¬åãã2ã¶æãçµéããŠããâŠâŠ
å®¶åºè£å€æã¯è²¡ç£ç®¡ç人ã®ç³ãç«ãŠã«ãããçžç¶äººãæ¢ãããã6ã¶æä»¥äžã®æéãæ±ºããå
¬åããŸããæéçµäºãŸã§ã«çžç¶äººãçŸããªããã°ãçžç¶äººãããªãããšã確å®ããŸãã
äžèšã®6ã¶æã®æéãæºäºåŸ3ã¶æä»¥å
ã«âŠâŠ
ãç¹å¥çžæ
è
ã«å¯Ÿããçžç¶è²¡ç£åäžãã®ç³ãç«ãŠããããããšããããŸããæéãæ±ºããããŠããããã該åœããå Žåã¯å®å ±ã確èªãçžç¶è²¡ç£ç®¡ç人ã«åãåãããããŸãã
å¿
èŠã§ããã°ã財ç£ç®¡ç人ã¯ãå®¶åºè£å€æã®èš±å¯ãåŸãŠã被çžç¶äººã®äžåç£ãæ ªã売åŽããééã«æããããšãã§ããŸãã
財ç£ç®¡ç人ã¯ãæ³åŸã«åŸã£ãŠåµæš©è
ãåéºè
ãžã®æ¯æããããããç¹å¥çžæ
è
ã«å¯Ÿããçžç¶è²¡ç£ãåäžãããããããã®æç¶ããããŸãã
æ¯æããããŠçžç¶è²¡ç£ãæ®ã£ãããåœåº«ã«åŒãç¶ãã§æç¶ããçµäºããŸãã
ïŒåç
§ãåŒçšïŒ
è£å€æãçžç¶è²¡ç£ç®¡ç人ã®éžä»»ã
å²éå®¶åºè£å€æãç³ç«æã«å¿
èŠãªéµäŸ¿åæã»åå
¥å°çŽäžèŠ§è¡šã
å·çè
ïŒææºæ
®
CFP(R)èªå®è
