åãããé«éœ¢è ã®ããã®ãé«å¹Žéœ¢è éçšå®å®æ³ããäŒæ¥åŽã®åãçµã¿ãšã¯ïŒ
2021幎4æããæœè¡ãéå§ãããŠãããé«å¹Žéœ¢è éçšå®å®æ³ã§ã¯ãçŸåšäŒæ¥ã«çŸ©åä»ããããŠãã65æ³ãŸã§ã®éçšç¢ºä¿ã«å ãã70æ³ãŸã§ã®å°±æ¥ç¢ºä¿ãåªå矩åãšããŠå ããããšã«ãªããŸããã
ä»åã¯ããã®æ¹æ£åŸã®é«å¹Žéœ¢è éçšå®å®æ³ã®å 容ã«ã€ããŠè§£èª¬ããŸãã
æ°äºæºçŸ/ããŒã¿ã«ãããŒã³ã³ãµã«ã¿ã³ã
å
¬åŒãµã€ãïŒhttps://marron-financial.com/
ïŒä¿æè³æ ŒïŒ
ã»ïŒçŽãã¡ã€ãã³ã·ã£ã«ã»ãã©ã³ãã³ã°æèœå£«
ã»CFP®
ã»DC(ç¢ºå®æ åºå¹Žé)ãã©ã³ããŒ
ã»äœå®
ããŒã³ã¢ããã€ã¶ãŒ
ã»èšŒåžå€åå¡
ãããŒã³ã³ãµã«ã¿ã³ããšããŠã®å人åãçžè«ãNISAã»iDeCoãã¯ãããšããéçšã«ãŸã€ã
ãã»ãããŒè¬åž«ã®ã»ããéèã¡ãã£ã¢ãžã®å·çããã³ç£ä¿®ã«æºãã£ãŠãããçŸåšå¹Žé200æ¬
以äžã®å·çã»ç£ä¿®ãããªããŠããããããŸã§ã®å·çã»ç£ä¿®å®çžŸã¯3,500æ¬ãè¶
ããã
ç®æ¬¡
é«å¹Žéœ¢è éçšå®å®æ³ãšã¯ïŒ
å°åé«éœ¢åãé²ãã§ãã宿
ãšãæ¥æ¬åœå
ã«ãããäººå£æžå°åé¡ã«å¯Ÿå¿ããããã«ãçµæžã®æµããç¶æããç®çã§ãåãææ¬²ãããé«éœ¢è
ã«å¯Ÿããã®èœåçºæ®ã®ããã®å Žãèšãããšãšãã«ããã®è·å Žç°å¢ã®æŽåãå³ãããšãç®æããŠå¶å®ãããŠããã®ããé«å¹Žéœ¢è
éçšå®å®æ³ãã§ãã
â ãããŸã§ã®é«å¹Žéœ¢è éçšå®å®æ³ã®å 容
ãããŸã§ã®é«å¹Žéœ¢è
éçšå®å®æ³ã§ã¯ã65æ³ãŸã§ã®é«éœ¢è
ã«å¯ŸããŠãäŒæ¥åŽãåãããšãã§ããç°å¢ãæŽåããããšã矩åä»ãããã®ã§ããããããã£ãŠäŒæ¥åŽã¯ãå®å¹ŽåŸãåããããšé¡ãåŸæ¥å¡ã«å¯Ÿãã以äžã®æªçœ®ãåãããšã矩åä»ããããŠããŸããã
1ïŒ60æ³æªæºå®å¹Žã®å»æ¢
äŒæ¥åŽãå®å¹Žãå®ããå Žåããã®å¹Žéœ¢ã«ã€ããŠã¯60æ³ä»¥äžãšããããšã矩åä»ããããŠããŸãã
2ïŒ65æ³ãŸã§ã®éçšç¢ºä¿
å®å¹Žã®å¹Žéœ¢ã60æ³ä»¥äž65æ³æªæºã«å®ããŠããäŒæ¥ã«ãããŠã¯ã以äžã®ããããã®æªçœ®ãè¬ããªããã°ãªããªããšããŠããŸãã
(1) å®å¹Žã65æ³ãŸã§åŒãäžãã
(2) å®å¹Žã®å¶åºŠã廿¢ãã
(3) 65æ³ãŸã§åŒãç¶ãåããå¶åºŠã®å°å
¥
â ãããã®æªçœ®ãåããªãã£ãå Žåã®äŒæ¥åŽã®è²¬ä»»
ãããã®æªçœ®ãåããªãã£ãå Žåããã®äŒæ¥ã¯ãããŒã¯ãŒã¯ãªã©ããæ¹åæå°ãªã©ãåããããšããããŸããããããããã®æå°ã«ãåŸããªãã£ãäŒæ¥ã«ã€ããŠã¯ãå§åæžãåºãããã»ããããã§ãåŸããªãå Žåã¯äŒæ¥åãå
¬è¡šãããªã©ã®æªçœ®ãåãããããšããããŸããã
æ¹æ£ã«ãã£ãŠé«éœ¢è éçšå®å®æ³ã¯ã©ã®ããã«å€ãã£ãïŒ
ä»åã®æ¹æ£ã«ããã70æ³ãŸã§ã®éçšã®æ©äŒãäžããããšãäŒæ¥ã«å¯ŸããŠæ±ããããšã«ãªããŸãããããããããã¯åè¿°ããããã«65æ³ãŸã§ã®éçšç¢ºä¿çŸ©åãšã¯ç°ãªãããããŸã§ãåªå矩åãšãããŠããŸãã
â å ·äœçãªæ¹æ£å 容
ä»åã®æ¹æ£ã«ããã以äžã®ããšãäŒæ¥ã«å¯Ÿããåªå矩åãšããŠå ããããšãšãªããŸããã
1ïŒå®å¹Žã®å¹Žéœ¢ã70æ³ãŸã§åŒãäžããããš
2ïŒå®å¹Žå¶ã廿¢ããããš
3ïŒ70æ³ãŸã§ç¶ç¶ããŠåããæ©äŒãå°å
¥ããããš
4ïŒæ¥åå§èšå¥çŽã«ãã£ãŠåããå¶åºŠãå°å
¥ããããš
5ïŒç€ŸäŒè²¢ç®æŽ»åã«åŸäºã§ããå¶åºŠãå°å
¥ããããš
ãã ãã4ãš5ã®åµæ¥æ¯æŽçæªçœ®ã«ã€ããŠã¯èšç»ãäœæããåŽåçµåã®éåæ°ã®åæãåŸãŠå°å
¥ããããšã«ãªã£ãŠããŸããèšç»æžã®äœæã«ãããŠã¯ã以äžã®ç¹ã«æ³šæããå¿
èŠããããŸãã
ïŒèšç»äœæã®éã®çæç¹ïŒ
ãŸãããå¥çŽã®å
容ãäžæ¹çãªæŒãä»ãã«ãªã£ãŠã¯ãªããªãããšãããŠããŸããããã«ããå°±æ¥ã®å¯ŸäŸ¡ã«ã€ããŠããäžåœã«äœãé¡ãèšå®ããŠã¯ãªããªãããšãªã£ãŠããŸãããã®ä»ã®äž»ãªçæç¹ã«ã€ããŠã¯ä»¥äžã®ãšããã§ãã
âåã
ã®é«å¹Žéœ¢è
ã®åžæãèžãŸãã€ã€ãåã
ã®æ¥åã®å
容ã»é£æåºŠãæ¥åéçãèæ
®ããã§ããã ãé倧ãŸãã¯éå°ã«ãªããªãããé©åãªæ¥åéãé »åºŠã«ããå¥çŽãç· çµããå¿
èŠãããã»çŽåç©ã«ã€ããŠãäžåœãªåãåãæåŠãªã©ãè¡ã£ãŠã¯ãªããªã
âå®å
šè¡çãžã®é
æ
®ãæ ããªãããš
æ¹æ£ã«ãããæ³šæç¹
ä»åã®æ¹æ£ã«ãããŠãäŒæ¥ã«ã¯ä»¥äžã®ç¹ã«æ³šæããããšãä¿ããŠããŸãã
â é«éœ¢è éçšã«ãããŠã¯ããã®äººã®èœåããã³äœåãªã©ãèæ ®ããããš
ãããé«éœ¢è
éçšã«ãã£ãŠãããŸã§ãšã¯ç°ãªãå
容ã®è·åã«å°±ãå Žåã¯ãå¿
ãæè²ãæœãããšã¯ãã¡ããã®ããšãå®å
šãè¡çã«ãããæè²ãå¿ããã«è¡ãå¿
èŠããããŸãããŸããå°±æ¥ã«ãããŠã¯ãé«éœ¢è
ãåãããããããªç°å¢äœããããã®äººã«äœèª¿ãªã©ã«åãããæè»ãªå¯Ÿå¿ãè¡ãããšãæ±ããããŸãã
ãã ãããã®äººã®äœã®ç¶æ
ã«ãã£ãŠå°±æ¥äžå¯ãšå€æããå Žåã«ã€ããŠã¯ããã®éãã§ã¯ãããŸããã
â äŒæ¥åŽãäž»äœãšãªã£ãŠè¡ãããš
人æã»ã³ã¿ãŒãæ°éã®è»¢è·ãµã€ããªã©ãžã®ç»é²ãä¿ãã ãã§ã¯ãäŒæ¥åŽãåãçµãã ãšã¯ãããŸããããããŸã§ãäŒæ¥åŽãäž»äœãšãªã£ãŠãé«éœ¢è
ã®å°±è·ã確ä¿ããããšãå¿
èŠã§ãã
ãŸãšã
é«å¹Žéœ¢è
éçšå®å®æ³ã¯ãä»åã®æ¹æ£ã«ãããã70æ³å®å¹Žæ³ããªã©ãšåŒã°ããããšããããŸãããå®å¹Žã70æ³ã«åŒãäžããªããã°ãªããªããšãããã®ã§ã¯ãããŸãããä»ãŸã§ã®ã¹ãã«ãçãããŠç¬ç«ã»éæ¥ãã瀟å¡ãšããŠè¡ã£ãŠããä»äºã®äžéšããæ¥åå§èšå¥çŽãçµãã§è«ãè² ããšãããããªã±ãŒã¹ãçšæãããŠããŸãã
ãã®éãéçšé¢ä¿ã¯ãªããªããŸããããã®ååãæ¹ã®èªç±åºŠã¯å¢ããä»ã®äŒæ¥ããæ¥åãè«ãè² ãããšãã§ããããã«ãªããŸãã
ãã®ãããªæä»£ã®æ³¢ã«ä¹ãããã«ããçŸåœ¹æä»£ã«èªåã®ã¹ãã«ã磚ããšãã£ãåªåãå¿
èŠã§ããäŒæ¥åŽã®åªåããã¡ããã§ãããèªèº«ã®åªåã倧åã ãšããããšå¿ããªãããã«ãããã§ããã
åºå
ž
ïŒâ»ïŒåçåŽåçãé«éœ¢è
éçšå®å®æ³æ¹æ£ã®æŠèŠã
å·çè
ïŒæ°äºæºçŸ
CFP(R)èªå®è
ãäžçŽãã¡ã€ãã³ã·ã£ã«ãã©ã³äºã³ã°æèœå£«(è³ç£éçš)
DC(ç¢ºå®æ åºå¹Žé)ãã©ã³ããŒãäœå®
ããŒã³ã¢ããã€ã¶ãŒã蚌åžå€åå¡