ã¡ãã£ã¢èšäº
iDeCoã®å å
¥å¯Ÿè±¡å¹Žéœ¢ã65æ³ä»¥äžã«åŒãäžãæ€èšãæè³ä¿ã
ããºãææ°ããŒã¯ 1,520
twitterã³ã¡ã³ã 693ä»¶äž 1ïœ100件
ãªãã»ã©ã
é 貯éãå€ãæã€é«éœ¢è ã«æè³ãä¿ããã貯èããæè³ãžãã®æµããã€ããçããããã
é 貯éãå€ãæã€é«éœ¢è ã«æè³ãä¿ããã貯èããæè³ãžãã®æµããã€ããçããããã
å€ã®åé¢éžã岞ç°æ¿æš©ã§åå©ããããããã®æ¿æš©ã®çµããã¯èŠ³ããŠ
ããâŒïž
åé¢éžåŸããã®æ¿æš©ã®æ¬çã§ããç·çž®è²¡æ¿ãè¡šã«åºãå¢çšãžãšèµãåã£ãç¬éããã®æ¿æš©ã¯çµãããè¿ããâŒïž
ããâŒïž
åé¢éžåŸããã®æ¿æš©ã®æ¬çã§ããç·çž®è²¡æ¿ãè¡šã«åºãå¢çšãžãšèµãåã£ãç¬éããã®æ¿æš©ã¯çµãããè¿ããâŒïž
ã©ããã幎é
è
ãæãããåãååãããã§ããïŒã©ãããŠã幎é
è
ã®è²¯èã欲ãããªããæè³å¹Žéãšãäœã£ãŠæ¿åºã責任ãã£ãŠéçšãããäžæµãã¬ãŒããŒéããŠäžçã®ãããžãã¡ã³ããåºãæãã°ããã®ã«ã
ã¿ã³ãèªåã®è¶³ãé£ãããã ã
GPIFã§æ¢ã«å¹Žéãæ ªã«çªã£èŸŒãã§ãã®ã«ãããã«è²¯éãŸã§æ ªäŸ¡ã€ãäžãã«å©çšããŠã
éã䜿ããšãã©ãããã®ïŒå£²ã£ããæ ªäŸ¡äžãããã
GPIFã§æ¢ã«å¹Žéãæ ªã«çªã£èŸŒãã§ãã®ã«ãããã«è²¯éãŸã§æ ªäŸ¡ã€ãäžãã«å©çšããŠã
éã䜿ããšãã©ãããã®ïŒå£²ã£ããæ ªäŸ¡äžãããã
ã幎å¯ãã®é éã«ãŸã§æãã ããã
æè³çµéšã®ãªãé«éœ¢è
ã«æè³ãä¿ããŠããäžæã掻çšã§ãããšæããªããã©ããããããªãæè³å§ããåã«ç¡æã»ãããŒãããéããŠæè³ãããããããªãã決ããããŠããããããã®äºããŠã»ãããšæãã
65æ³ãè¶ããŠãªãiDeCoã«æ¯æäžå®é¡ã®è³éãæ åºã§ããã ãã®åå
¥ããã人ã£ãŠã©ã®æ§ãªå±€ãæ³å®ããŠããã®ããã©ãã ãã®ããªã¥ãŒã ãããã®ããå®ã®ããæ¿çã«æããªãã
ä»åŸãã¡ãããšæ
å ±ã¯åŸãŠããã¹ãã§ããããããŠåŠç¿1å²ãå®è·µ9å²ãäœããããæ©ãå§ãã人ããæ©ãå®æ³°ã«ãªãã®ã ãã
ãããåã厩ãã¹ã¿ãŒãã60æ³ãã65æ³ãŸã§ã«å»¶é·ãããããšã¯ãªãããïŒ65æ³ã®ä»ããã§ãã€ãã³å§ããããŸããã£ãŠã ãã ããïŒã¡ãããšèª¿ã¹ãã
ãã®æ¹ iDeCoã®ç²ŸåºŠãåãã£ãŠãªããããé·æã«èåŸã®ç掻è³éãäœãçºã®ãã®ãªã®ã«ã65æ以éã«ãéçªã£èŸŒãã§ã©ãããã®ãïŒ
å éè¡å¡ã§æè³çµéšç¡ãã®æ¹ã¯å°ãww
#
å éè¡å¡ã§æè³çµéšç¡ãã®æ¹ã¯å°ãww
#
æè¿ãã®ãã¥ãŒã¹è¯ããã£ãŠãããªãŒ
å»å¹Žãšãã«ãã®ãã¥ãŒã¹èŠãŠããäœã®ããšèšã£ãŠãããå šç¶åããããã£ããããªãŒ
NISAé課çšæ ãšæéå¢ãããŠæ¬²ããâºïž
å»å¹Žãšãã«ãã®ãã¥ãŒã¹èŠãŠããäœã®ããšèšã£ãŠãããå šç¶åããããã£ããããªãŒ
NISAé課çšæ ãšæéå¢ãããŠæ¬²ããâºïž
ã€ã¿ããŠNISAã®æãéãé課çšã«ããŠã
ãéèã®ããšãç¥ã£ãŠãç·çã
65æ³ä»¥äžã®å å ¥ãã§ããããã«ããã
ãã€åãåãã®ãâŠ
ããã¯æéã¯ãâŠ
éèãããªããŠãåœæ°ããçšéãåãããšããèããŠãªãç·çã®ééãããâŠ
65æ³ä»¥äžã®å å ¥ãã§ããããã«ããã
ãã€åãåãã®ãâŠ
ããã¯æéã¯ãâŠ
éèãããªããŠãåœæ°ããçšéãåãããšããèããŠãªãç·çã®ééãããâŠ
äœèããŠããã®ãå
šãç解ã§ããŸããð¢
äœã®åè«ãªããã
ã®ã£ã°ããªïŒð€£
iDeCoã¯èåŸè³éãèªåã§ç©ã¿ç«ãŠãã·ã¹ãã ããéæã£ãŠãã幎å¯ããããéãæŸãåãææãã¿ãã¿ãã ããã誰ããããªãã ãããããããè¥è ããã®ã€ã¡ãŒãžãããŠã³ã§ããð€£
iDeCoã¯èåŸè³éãèªåã§ç©ã¿ç«ãŠãã·ã¹ãã ããéæã£ãŠãã幎å¯ããããéãæŸãåãææãã¿ãã¿ãã ããã誰ããããªãã ãããããããè¥è ããã®ã€ã¡ãŒãžãããŠã³ã§ããð€£
iDeCoãããªã
ç¯çšããªã
ãéæžããªã
財ç£æ®ããããªã
ç¯çšããªã
ãéæžããªã
財ç£æ®ããããªã
ããã£ãŠå¹Žéã®å絊幎霢åŒãäžããåžç³ã ã£ããããŠïŒ
æ åºé床é¡ã®æ¹ãåŒãäžãããâ
ç¹ã«è¥å¹Žå±€ãåªéããã
ç¯çšãããè人ã®ææã§å©èšãåããŠããªw
æ ªããã£ãããšãªãç·ç倧è£ã¯ããã
ç¹ã«è¥å¹Žå±€ãåªéããã
ç¯çšãããè人ã®ææã§å©èšãåããŠããªw
æ ªããã£ãããšãªãç·ç倧è£ã¯ããã
æããããããªããèåŸè³éã§ãã¯ããæããªããŠãå®å¿ããŠæ®ãããããã«ããã®ããæ¿æ²»å®¶ã®åãã ã
ããžç¡èœã
åé¢éžèªæ°å ã«æ祚ããããªããã©ãä»ã«æ祚ãããæ¿å ãç¡ãã
åé¢éžèªæ°å ã«æ祚ããããªããã©ãä»ã«æ祚ãããæ¿å ãç¡ãã
iDeCoã§å¢ããããã€ã³ãã¬ã«è² ããŠãã
åºæ¬ãé ãæªãããèªåã«ã¯ããç解ã§ããªãã®ã§ãã
ã©ããããããããçºèšã«ãªãã®ã ããïŒ
ã©ããããããããçºèšã«ãªãã®ã ããïŒ
ã€ãã³ã65ãã70ãŸã§ã§ããããã«ãªã£ãŠããäœã®äŸ¡å€ããªããããã§ãã£ãæ°ã«ãªã£ãŠããªã岞ç°ã¯ãŽãã
å
¬ç幎éæ¯çµŠéå§ã65æ³â70æ³ã«ããåæ¯ãã§ããïŒ
iDeCoã®æ®é«ãå¢ãããããªãæãéã®é床é¡ãå¢ããã¹ãã
iDeCoã®æ®é«ãå¢ãããããªãæãéã®é床é¡ãå¢ããã¹ãã
ãããŒãå¹æèããããŒã
ãã®å¹Žéœ¢ã«ã¯æè³ããè³éåŒãæããŠæ¶è²»ããããšã
65æ³ãããã£ãããŒïŒiDeCoå ¥ãããã£ãããã€ã¹ãŒïŒãšã¯ãªãããã(ç¬)
èãã«èãæããŠãŽãæã¯ãããããæºè²«äœãããšã
ãã®å¹Žéœ¢ã«ã¯æè³ããè³éåŒãæããŠæ¶è²»ããããšã
65æ³ãããã£ãããŒïŒiDeCoå ¥ãããã£ãããã€ã¹ãŒïŒãšã¯ãªãããã(ç¬)
èãã«èãæããŠãŽãæã¯ãããããæºè²«äœãããšã
ãããªããšæ€èšãããããç¹å¥æ³äººçšã®æ€å»ãå
ã«å®æœããŠãã ããã
ã»ããŸã»ã³ã¹ãªãã
ã»ããŸã»ã³ã¹ãªãã
ãªããããªã¬ãªã¬è©æ¬ºã®åãåã«äŒŒãŠãããããª
çããïŒèª¬ææžãã®çé ã«è«çŒé¡ã§ãèŠããäœã®å°ããªæåã§
â»å éããã·ã§ãŠã¹ã«ã¢ããããããŸãã ãããŸã§ãèªå·±è²¬ä»»ã§
ãšæã£ããå±éºæ³šæ
çããïŒèª¬ææžãã®çé ã«è«çŒé¡ã§ãèŠããäœã®å°ããªæåã§
â»å éããã·ã§ãŠã¹ã«ã¢ããããããŸãã ãããŸã§ãèªå·±è²¬ä»»ã§
ãšæã£ããå±éºæ³šæ
65æ³éããŠå
¥éç¶ãããã§ãããð
ç§ã¯ãªãð ââïžãã®å¹Žéœ¢ã«ãªã£ãã䜿ãããã
岞ç°ç·çã¯ä»å¹Žã®7æã«65æ³ã«ãªããŸãããiDeCoã§éã«æè³ããã¥ãŒãããã®ã§ããããïŒïŒ
ç§ã¯ãªãð ââïžãã®å¹Žéœ¢ã«ãªã£ãã䜿ãããã
岞ç°ç·çã¯ä»å¹Žã®7æã«65æ³ã«ãªããŸãããiDeCoã§éã«æè³ããã¥ãŒãããã®ã§ããããïŒïŒ
å¯èœãªéãå¹æãåºããªãããã«ãã€ã€ãã£ãŠãæãåºããŠããã ã
ãªã®ãã
é«éœ¢è ã貯èããæè³ã«åãããšãé«éœ¢è ã®ããã«ãªããšæã£ãŠãã
ãªã®ããç§ã¯åè ã ãšæãã
ãªã®ãã
é«éœ¢è ã貯èããæè³ã«åãããšãé«éœ¢è ã®ããã«ãªããšæã£ãŠãã
ãªã®ããç§ã¯åè ã ãšæãã
â
é«éœ¢è ã®æ ªååŒ
éèåºã¯ãäœæããå¶éããŠããŸããã£ãïŒ
é«éœ¢è ã®æ ªååŒ
éèåºã¯ãäœæããå¶éããŠããŸããã£ãïŒ
ããã¯ãããæå³ããããããã®ãïŒ
65æ³ããiDeCoå
¥ãæå³ã£ãŠãããã§ãããã
ããããã60æ³ä»¥äžã§iDeCoåºæ¥ãããšãç¥ããªãã£ããæè¿ããµã©ãªãŒãã³ã¯65æ³ã«å®å¹Žã䌞ã³ãŠãããã§ãäŒç€Ÿã®DCã§60æ³ãŸã§iDeCoåºæ¥ãªãã£ã人ã®ããŒãºããã®ããª
é«éœ¢è
ã«æè³ä¿ãã¡ããã¡ã§ããã
ãã¿ã©ã¡ã ãªãŒ
ãã¿ã©ã¡ã ãªãŒ
äžå¿ãå
Œæ¥æè³å®¶ã®ç«å ŽããèšãããŠè²°ããã©ã
ããããªæ¿çã¯æè©®ãéèåžå Žã«ã¡ããã貌ãã ãã§ããç¡ãïŒãšãèšãããéèè³ç£ã«è³éãåããšèšãäºã¯ããã ãæ¶è²»ãæå¶ããããšèšãäºïŒã
æŽã«å®äœçµæžãå¯ããç䌌ãããŠã©ããããïŒã
ããããªæ¿çã¯æè©®ãéèåžå Žã«ã¡ããã貌ãã ãã§ããç¡ãïŒãšãèšãããéèè³ç£ã«è³éãåããšèšãäºã¯ããã ãæ¶è²»ãæå¶ããããšèšãäºïŒã
æŽã«å®äœçµæžãå¯ããç䌌ãããŠã©ããããïŒã
åœæ°å¹Žéãéµè²¯ããããŠãåœæ°ã®è²¯éã
æ ªã«çªã£èŸŒãã åŠã§äžççãªãäºä»¶ããèµ·ããŠæŽèœããã®ææ¥æ¬åœæ°ã«ã¯è²·ãæ¯ããåã¯ãªãã»ã»ã»
æ ªã«çªã£èŸŒãã åŠã§äžççãªãäºä»¶ããèµ·ããŠæŽèœããã®ææ¥æ¬åœæ°ã«ã¯è²·ãæ¯ããåã¯ãªãã»ã»ã»
ãïŒäœã®ããã«wïŒ
iDeCoã®æéã¯å
šé¡æåŸæ§é€ã ãããããããããïŒ
æåŸãªããã©ã
æåŸãªããã©ã
幎å¯ããèªç±ã«åŒãåºããªãæè³ããŠã©ãããã®
å°éæã¡ã®çšé察çã«ãšããŠãã¿ãã£ã¡ãã£ãŠå€ãªã¿ã€ãã³ã°ã§è§£çŽãããããããªã貯éã®æ¹ããŸã ããã ãããã
å°éæã¡ã®çšé察çã«ãšããŠãã¿ãã£ã¡ãã£ãŠå€ãªã¿ã€ãã³ã°ã§è§£çŽãããããããªã貯éã®æ¹ããŸã ããã ãããã
70æ³ãŸã§åãäžçãªã®ã§ãiDeCoã70æ³ãŸã§å»¶ã°ãã®ã¯èªç¶ã
åãåãã¯60æ³ããéžã¹ãã¹ãã ãã©
åãåãã¯60æ³ããéžã¹ãã¹ãã ãã©
ãã60ãã
幎éè²°ãã€ãããªããããâŠâ(ÂŽÐŽïœ)â
幎éè²°ãã€ãããªããããâŠâ(ÂŽÐŽïœ)â
ãã®äººã£ãŠãããæ¿åºã¯ãäœãå¿
èŠæ§ããããã ãããªãã¡ãã£ãšæ ªã«æ¯éããããã ãïŒ
ããŒãããã£ã¡ãããªããã§ãããã
ãªãããã¯ãã·ãã«ãªãã®ããªã
ãªãããã¯ãã·ãã«ãªãã®ããªã
ð¡éèæ©é¢ã®ææ°æ皌ãã®é€é£ã«ãªããªãããã«ãšé¡ãã°ããã§ãïŒ
æšå¹Žãå
¬åå¡ã®iDeCoã®æ ãæ¡å€§ããããšã決ãŸããŸããã察象幎霢ã®åŒãäžãããå
¬åå¡ã«æçãªã®ã§æ€èšãé²ã¿ãŸãã
äžæ¹ãå人äºæ¥äž»ã®iDeCoæ ã®æ¡å€§ãªã©å ¬åå¡ãšé¢ä¿ãªããã®ã¯ããããèŠæããŠããŸã£ããæ€èšããŠããããŸããã
äžæ¹ãå人äºæ¥äž»ã®iDeCoæ ã®æ¡å€§ãªã©å ¬åå¡ãšé¢ä¿ãªããã®ã¯ããããèŠæããŠããŸã£ããæ€èšããŠããããŸããã
ããã§ããâŠ
ãºã¬ãŠãð®âðš
ãºã¬ãŠãð®âðš
ããã£ãŠã€ãŸããããããããšãªã®ããããïŒð«
ã»å®å¹Žã¯70æ³ã«ãã¡ãããã
ã»å¹Žéã¯70æ³ä»¥éæ¯çµŠã«ãã¡ãããã
è£ã®æå³ãæããŠæ¬²ããð«
ã»å®å¹Žã¯70æ³ã«ãã¡ãããã
ã»å¹Žéã¯70æ³ä»¥éæ¯çµŠã«ãã¡ãããã
è£ã®æå³ãæããŠæ¬²ããð«
ç·è£éžã§ã¯ãæåŸå¢ãã謳ã£ãŠãããŠãããã®ããè³ç£åå¢ããïŒ
è©æ¬ºåž«ã®å²žç°ããïŒ
ãã§ããã®åŸããéèæåŸèª²çšããããã€ããã ãïŒ
ç¡èœå²žç°ã¯ã©ããããŠããã»ã»ã»
è©æ¬ºåž«ã®å²žç°ããïŒ
ãã§ããã®åŸããéèæåŸèª²çšããããã€ããã ãïŒ
ç¡èœå²žç°ã¯ã©ããããŠããã»ã»ã»
ãããããNISAã®æ ãå¢ãããã£ãŠã°ïŒïŒïŒ
ã幎å¯ãã«æè³ãããããšãã¡ãã£ãšã²ã©ããªãïŒ
é 貯éãããã°ããããæè³ã¯ãããªããã
ã幎å¯ãã«æè³ãããããšãã¡ãã£ãšã²ã©ããªãïŒ
é 貯éãããã°ããããæè³ã¯ãããªããã
èåŸãåããªããŠã¯ã¡ãªãã享åã§ããªãã®ãð
ä»ã«ã¡ãªããã¯åãåãã®ã¿ã€ãã³ã°ãéžã¹ãããªããšãããã
ä»ã«ã¡ãªããã¯åãåãã®ã¿ã€ãã³ã°ãéžã¹ãããªããšãããã
ä»®ã«èªåã65æ³ã§ãããçšåºŠè²¯éããããšããããiDeCoã¯ãããªãæ°ãããð€
çããã¯ã©ãã§ããïŒ
çããã¯ã©ãã§ããïŒ
ãããªããšããçžç¶çšãšèŽäžçšæžãããŠçŸåœ¹äžä»£æ¯æŽããŠããð
65æ³ä»¥äžã§idecoã«å å
¥ã£ãŠw
ããããé«éœ¢è 察çã¯ã¹ããŒãã£ãŒã«å¯Ÿå¿ããã
ããããNISAãæªæ幎ã«æ¡å€§ããŠã»ããã§ãããããã¯é«æåŸäžåž¯ã®åªéãšãæ¹å€ãããã ããããé£ãããã§ãããã...
ããããé«éœ¢è 察çã¯ã¹ããŒãã£ãŒã«å¯Ÿå¿ããã
ããããNISAãæªæ幎ã«æ¡å€§ããŠã»ããã§ãããããã¯é«æåŸäžåž¯ã®åªéãšãæ¹å€ãããã ããããé£ãããã§ãããã...
çžç¶çšããªãŒã«ããŠãããã°ã¢ãªãªããããªãããªã
庶æ°ãé 貯éãå€ãæã€ã®ã¯ã幎éå¶åºŠã貧匱ã ããã§ããã
é«éœ¢è ãå¿ èŠãšããã®ã¯ãã¢ãããµãŒãã¹ãã§ãã
æ¿åºãåœåµã§è²šå¹£ãçºè¡ãã幎éãå¢é¡ããã
ããã«ãã¢ãããµãŒãã¹ãã®çç£ã«æ¿åºãæè³ãæ©æ¢°åãé²ããã
1/2
é«éœ¢è ãå¿ èŠãšããã®ã¯ãã¢ãããµãŒãã¹ãã§ãã
æ¿åºãåœåµã§è²šå¹£ãçºè¡ãã幎éãå¢é¡ããã
ããã«ãã¢ãããµãŒãã¹ãã®çç£ã«æ¿åºãæè³ãæ©æ¢°åãé²ããã
1/2
å¯ãããŠããè³ç£ãæŽã«å¯ãããæ¹åã«ä¿ããŠã©ãããããšããã®ãâŠã
ãã£ãã iDeCoããïŒ
ãªã®ããªã»ã»ð€
çŸç¶ã§ã¯åœæ°å¹Žéã40幎ïŒ480ãµæïŒã«æºããªã人ããå å ¥ã§ããªãããïŒ
誰ã§ãå å ¥ã§ããããã«ããŠãããã®ããªïŒ
ã ãšããã æéãååã ãæããŠéè·éæ§é€é¡ãç©ã¿å¢ããšãã䜿ãæ¹ãã§ããããïŒå人äºæ¥è ã«æå ±ããªïŒ
ãªã®ããªã»ã»ð€
çŸç¶ã§ã¯åœæ°å¹Žéã40幎ïŒ480ãµæïŒã«æºããªã人ããå å ¥ã§ããªãããïŒ
誰ã§ãå å ¥ã§ããããã«ããŠãããã®ããªïŒ
ã ãšããã æéãååã ãæããŠéè·éæ§é€é¡ãç©ã¿å¢ããšãã䜿ãæ¹ãã§ããããïŒå人äºæ¥è ã«æå ±ããªïŒ
iDeCoã£ãŠããçŸåšèª²çšãåçµããŠãã1.173ïŒ
ãšãéè·éãšããŠã®åãåãæ¹ãšããã®èŸºã®ãã©ãã解é€ããŠã»ããã§ããã
70ãŸã§ããžã§åãæ代ã«ãªããªã
70ãŸã§ããžã§åãæ代ã«ãªããªã
ãžãžããã®æ ãå¢ããã£ãŠã®ã¯ãéžæ察çã®åããããããªããå®éã«æè³é¡ãå¢ãããªããã°ãããªãã®ã¯ãè¥è
ãªã¯ãã ãã
åœæ°å¹ŽéãåãåããåŸãåãã«ãªããã足䞊ã¿ãæããããšããŠãã£ãŠããšããªð€
æè³ã¯äœè£ã®ãããéã§è¡ãã¹ãã ãããã®ãããªæåŸåå¢ãã·ã¹ãã äœãã¯é¢ä¿ãªãããã§ãâïž
æè³ããŠãªã人ãå§ããŠãã®ïŒ
éèæåŸèª²çšã£ãŠiDeCoã«ãé©çšãããã®ããïŒ
æè³ãä¿ãã®ã¯ãããã©ãããã«æããçšéãäžããããæ°èšããããããå ã®æšé¿åŒ¥ãããªãïŒ
çµå±ãåãããšãããåãã®å§¿å¢ã¯å€ãããªãã£ãŠããšã
æ°ããè³æ¬äž»çŸ©ãäœããã£ããããããªãããªã
æè³ãä¿ãã®ã¯ãããã©ãããã«æããçšéãäžããããæ°èšããããããå ã®æšé¿åŒ¥ãããªãïŒ
çµå±ãåãããšãããåãã®å§¿å¢ã¯å€ãããªãã£ãŠããšã
æ°ããè³æ¬äž»çŸ©ãäœããã£ããããããªãããªã
ããè³ç£æåŸåå¢ãã©ã³ãšé¢ä¿ãªããšãããã
èåŸè³é確ä¿èªå©åªåå¶åºŠã
ç¯çšå¹æã¯ããããèªç±åºŠäœãã
æçµçã«çšéæããå Žåããã ãã
ããšãå¢ãããšã¯éããªãã
ãŸããããããšã¯æåãåå¢ã
æè³è³éãç¡ããã°ã©ããªå¶åºŠãç¡æå³ð
èåŸè³é確ä¿èªå©åªåå¶åºŠã
ç¯çšå¹æã¯ããããèªç±åºŠäœãã
æçµçã«çšéæããå Žåããã ãã
ããšãå¢ãããšã¯éããªãã
ãŸããããããšã¯æåãåå¢ã
æè³è³éãç¡ããã°ã©ããªå¶åºŠãç¡æå³ð
åºãïŒ
éãããããããªã岞ç°ãã
éãããããããªã岞ç°ãã
ä»åŸããã®ããã«ç¡éã«ã«ãŒã«ãå€ããã ããããã€ãã³ã¯ãããããªãã
èåŸã®ããã«ããiDeCoããžãžã€ããã¢ãããŠã©ããããã
ããŸãã«ãã·ã§ãéããŠç¬ãããåºãªã ð
ãããã65æ³è¶ ããŠããè³ç£åœ¢æãªããŠã ãªã«æ±ºãŸã£ãŠãããã
å®ããã§ãåœãããäœãšããªããïŒïŒïŒ
è³ç£åœ¢æã¯é ããšã30代ããã
ãããã65æ³è¶ ããŠããè³ç£åœ¢æãªããŠã ãªã«æ±ºãŸã£ãŠãããã
å®ããã§ãåœãããäœãšããªããïŒïŒïŒ
è³ç£åœ¢æã¯é ããšã30代ããã
NISAãiDeCoã®åªéãæ¡å
ããæ¬åœã«æè³èªå°ãžã®æå¹çãªã®ã ãããïŒð€
å ã 客ãå°ãªãæ ç»é€šã座åžãå¢ãããã ãã§ã¯ã客ã¯å¢ããªããšæããð
å ã 客ãå°ãªãæ ç»é€šã座åžãå¢ãããã ãã§ã¯ã客ã¯å¢ããªããšæããð
ïŒïŒæ³ãããªãïŒïŒæ³ã§æ åºå¯èœã«ãªãã£ãŠããšãïŒ
åŸåºããããããããªãã§æ¬²ãããªãäœå® ããŒã³çµãã£ããiDecoãšæã£ããã©ã岞ç°ã®æã«ã¯ãããšãããæ©ãç·çãã€ã¡ãã
åŸåºããããããããªãã§æ¬²ãããªãäœå® ããŒã³çµãã£ããiDecoãšæã£ããã©ã岞ç°ã®æã«ã¯ãããšãããæ©ãç·çãã€ã¡ãã
æ€èšãããšãããæãäžããã
ããžã§éŠ¬é¹¿ã ãâŠ
>
>
æ€èšãå éããçµæã€ãã³ã®å å
¥å¹Žéœ¢åŒãäžããšããè¬ã®åŠçœ®ãæ€èšããŠããããwãããããŠãŠèè¶
ããŠæ£®
æè³ã®å
¥éæžã«ã¯é«éœ¢ã«ãªãã»ã©æ ªãšãã®å²åãæžãããŸããããã£ãŠæžããŠãã£ãæ°ã...
60æ³ãããããidecoå å
¥ããŠãããªããªãã®è³ãã§ãããå€ã«65æ³ä»¥äžã«å å
¥ä¿ããšç«å·ãããšæããŸãã
ãããªããšãããNISAã®æ å¢ãããŠãããã
ãã«ãããªãïŒç¬
æ€èšããå
容ããããŠãããæ€èšäœ¿ãæ¡å
ãã¹ãã¯NISAã®æ ã§ã¯ãªããïŒæ¬å®¶è±åœã®ISAãšæ¯ã¹ãŠå°ãªãããã
ããèŠã¯70æ³ãŸã§åãææ°ã©ãã£ãŠããšã§OKïŒ
é ããããã岞ç°æ¿æš©é ããããã
æåŸåå¢ã§iDeCo 䜿ãæ¹ééã£ãŠãããšæããŸãã
ã¡ãªã¿ã«iDeCoå¹³åéçš1-2ïŒ ãªã®ã§ã
ä»®ã«ïŒïŒ ã ã£ããåå¢ãŸã§ãŠäœå¹ŽãããïŒïŒ
çµè«iDeCoã§ã¯æåŸåå¢ããŸãã(ç¬)
èåŸã®+αã§ãã
ã¡ãªã¿ã«iDeCoå¹³åéçš1-2ïŒ ãªã®ã§ã
ä»®ã«ïŒïŒ ã ã£ããåå¢ãŸã§ãŠäœå¹ŽãããïŒïŒ
çµè«iDeCoã§ã¯æåŸåå¢ããŸãã(ç¬)
èåŸã®+αã§ãã
65æ³ä»¥äžã£ãŠãããå絊ãã幎霢ãããã
é«éœ¢è
ã«ç©ã¿ç«ãŠãŠæ ªãè²·ãããã®ã
ãã€å©ç¢ºãããïŒãã»ã
ãã€å©ç¢ºãããïŒãã»ã
ãããã£ãŠäœããããã®ïŒããã€ã°ãïŒ
äœåã®ç¶ãéãåããŠèåŸè³éã¯èªåã§ãªããšããããšããæ¿åºããã®ã¡ãã»ãŒãžã§ãã
ãiDeCoã®å å
¥å¹Žéœ¢å¯Ÿè±¡ã65æ³ä»¥äžã«åŒãäžãïŒïŒã
岞ç°æ¿æš©ããªã«ãããŸãæè³å®¶éã«ãããŠçæãæäžããæš¡æ§ã
äžäœäœããããã®ãããðð
ç©ç«NISAã®éé¡å¢ãšæé延é·ããé¡ããããã§ãð§
岞ç°æ¿æš©ããªã«ãããŸãæè³å®¶éã«ãããŠçæãæäžããæš¡æ§ã
äžäœäœããããã®ãããðð
ç©ç«NISAã®éé¡å¢ãšæé延é·ããé¡ããããã§ãð§
65æ³ä»¥äžw
幎éãäœãããã®iDecoãã®ã«ã幎éãçªã£èŸŒãã®ãð
幎éãäœãããã®iDecoãã®ã«ã幎éãçªã£èŸŒãã®ãð
ãããã«65æ³ä»¥äžã«iDeCoã¯ç¡ããâŠãã£ã±ã¢ãã§ããð€£
65æ³ä»¥äžã«ã¯éçšãããªããŠçŸéå©çšããŠããããªããšããã§ã«è³ç£éçšã»ãããŒçã«åå ããŠãã®ã¯äœå°è³éã®ããé«éœ¢è
ã°ããã ãšãããŠããã©ã
äœæ
ãå¬ãããªãããšããããå¬ããããšãããŠãããªã
ããžçç¬ã
æ¿åºãæè³ãã«ãåæ³ã®èŠªçã ã£ãã®ãâŠð
65æ³ããã©ããã£ãŠå
¥éãããã ? æè³ã«åãã»ã©ã®åå
¥ãã?
é«éœ¢è
ã®é éè³éãæè³ãžåããããææãªãã ãããã©ãå¶åºŠèªäœã20ã50代åããªã®ã§çå€ãâŠ
å ¬ç幎éã®æ¯çµŠå¹Žéœ¢ã70æ³åŒãäžããã®ãšç¹°ãäžãå ç®ã®å»æ¢ãã»ãããã©ã³ã§æ§ããšãããããª
å ¬ç幎éã®æ¯çµŠå¹Žéœ¢ã70æ³åŒãäžããã®ãšç¹°ãäžãå ç®ã®å»æ¢ãã»ãããã©ã³ã§æ§ããšãããããª
å å
¥å¹Žéœ¢ïŒ
åºå£å»¶é·ãããªããã§ããïŒ
åºå£å»¶é·ãããªããã§ããïŒ
ïŒïŒæ³æç¹ã§äºåœãã©ã®ããããªã®ãã
æè³ããæ ªäŸ¡ãå æ¬ãå²ãã°ãæåãé·æéã®å¡©æŒ¬ããèŠæããªããã°ãªããªããæ ªäŸ¡ãå埩ãããŸã§çããŠããä¿éã¯ç¡ããšæããŸãããã
æè³ããæ ªäŸ¡ãå æ¬ãå²ãã°ãæåãé·æéã®å¡©æŒ¬ããèŠæããªããã°ãªããªããæ ªäŸ¡ãå埩ãããŸã§çããŠããä¿éã¯ç¡ããšæããŸãããã
ãè³ç£æåŸåå¢ãã©ã³ããšããå称ã¯è©æ¬ºã ãããæè³ãªã©ã¯å¿
ãå²ãããšèšã£ãŠã¯ãããªãã¯ããåœãå
¬å©ãããªããããå»çã«ä»è·ãªã©é«éœ¢è
ã«ã¯ç¢ºå®ãªè³ç£ãå¿
èŠãåœã«éšãããŠã¯ãããªãã
ããŒãµã®æ¡å
ïŒæ°žå¹Žãªã©ïŒã¯æåŸ
ã
iDeCoã¯åŒãäžããã¡ãªããã¯ããããªïŒéžæè¢ãããçšåºŠããªã
iDeCoã¯åŒãäžããã¡ãªããã¯ããããªïŒéžæè¢ãããçšåºŠããªã
å㞠次ãž
ã»ã»ã»é 貯éãŒãã®äžåž¯ãååè¿ãããã®ã«ã»ã»åãæšãŠããããïŒïŒïŒïŒïŒ