
ãä¿åçãå®ãã®çèãéããïŒå®¶åºãæ¯ããçæŽ»é²è¡éã®äœãæ¹ãïŒââæè³ããåã«âè ¹çããåºããâââ
ð å®¶åºãšããåã®èäœãå®ãããã«ã仿¥ãå®¶èšããã³ããã¬ã¹ïŒïŒ ãã®èšäºã§ã¯ãåå¿è ã»å®¶ææã¡ã»ã·ã³ã°ã«ãŸã§ããã¹ãŠã®å®¶åºãã¬ãŒããŒã«åããŠãçæŽ»é²è¡éïŒå®¶èšã®çèãã®éãæ¹ãå©ã蟌ããïŒïŒð¥
â»æ°ç€ŸäŒäººåãã®ç掻é²è¡éã®äœãæ¹ã¯ãã£ã¡ã®èšäºã§ç޹ä»ããŠããïŒðïž
ð§ ãŸãã¯ãŠã©ãŒã ã¢ããïŒãçæŽ»é²è¡éããšã¯ïŒïŒ
ãããªãæè³ïŒïŒãããšãã çãã¬ã§ãããªãMAXééã§ã¹ã¯ã¯ãããããïŒãããããïŒïŒ
貯éãŒãã§æè³ã«çªã£èŸŒãã®ã¯ããã©ãŒã 厩å£ã®ãã³ããã¬ã¹ãšåããã **ãå®ãã®çèïŒç掻é²è¡éã**ãéããããŠãæ»ãã®æè³ã¯ã§ããïŒïŒ
ð¬ç掻é²è¡éãšã¯ïŒ ã±ã¬ã»ç æ°ã»è»¢è·ã»å®¶é»ã®æ éââçªçºã®æ¯åºãâç¡å·ã§ä¹ãåãâããã®è²¯éãã
ããã¯ãŸãã«âæ²é»ã®çèâã 䜿ããªããŠãå®å¿ãããããã¡ã³ã¿ã«ã®ãããã€ã³ãïŒïŒðª
ðªäœã¶æåïŒââçæŽ»é²è¡éã®çæ³ã¯ã3ã6ã¶æåããïŒ
å®¶èšã¯ãã©ãŒã åœïŒïŒå®¶åºã«ãã£ãŠå¿ èŠéé¡ã¯ã¡ããïŒ
ãå身ã»éœåžè¿éäŒç€Ÿå¡ã¢ãã«ïŒ30代ïŒã
å®¶è³ïŒ6.5äžå
é£è²»ïŒ3äžå
å ç±è²»ã»éä¿¡è²»ïŒ2äžå
éè²»ã»æ¥çšåïŒ2äžå
亀éè²»ã»äº€éè²»ã»å𝿥œïŒ2.5äžå â¶ïž åèšïŒ16äžå/æ à 3ã6ã¶æ = 48ã96äžå
ã3人家æã¢ãã«ïŒå€«å©ŠïŒå1人ïŒã
äœå® ããŒã³ïŒ8äžå
é£è²»ïŒ5äžå
å ç±è²»ã»éä¿¡è²»ïŒ3äžå
åã©ãè²»ã»éè²»ïŒ6äžå â¶ïž åèšïŒ22äžå/æ à 3ã6ã¶æ = 66ã132äžå

ðãŸãã¯3ã¶æåãç®æšã«ïŒ âçæŽ»é²è¡çã®âã¹ã¿ãŒãã¬ããâãïŒïŒ
ðŠå°å³ã¬ããã§ãç¶ããïŒå®¶åºå¥ã»è²¯éãã©ã³3ã³ãŒã¹ïŒ
ð¥å³å®ãã«ã¯åïŒ3ã¶æã§å®æïŒ
â æ10äžåã®è²¯é à 3ã¶æ = 30äžå
ð¥å®å®ãã©ãŒã åïŒ6ã¶æã§å®æïŒ
â æ5äžå Ã 6ã¶æ = 30äžå
ð¥å°å³ã¬ããåïŒ10ã¶æã§å®æïŒ
â æ3äžå Ã 10ã¶æ = 30äžå
ãç¡çããç¶ç¶ããæå€§ã®çè¥å€§ãïŒïŒ å®¶èšã®çãã¬ãããŸãã¯ãã©ãŒã æèãããïŒïŒ
ðŠã©ãã«çœ®ãããïŒïŒââéã®çœ®ãå Žãçèã®åããéïŒ
âNG眮ãå Ž
ã¿ã³ã¹ïŒç«äºã§æ»äº¡
蚌åžå£åº§ïŒæè³ããŠæ¶æ»
FXå£åº§ïŒç²Ÿç¥ãããšã溶ãã
â ããããã®çœ®ãå Ž
ãããéè¡ïŒæ¥œå€©ã»SBIã»auãã¶ãïŒ
æ®éé éã§ãð¥ç掻é²è¡éð¥ããšåä»ããã¹ãïŒ

éåž³ãèŠããã³ãçèãéããïŒïŒ
â ïžãã©ãŒã ãªãã§æè³ã¯äºæ ãïŒïŒ
æè³ã¯é«ééã ãã©ãŒã 厩ããŠãåå¿è ããããªãNISAãšãæ¡ã£ããçæäžçŽç·ãã
çæŽ»é²è¡çãã§ããŠãããæè³ã¯æå³ãæã€ïŒ ã ãããããå®ãããå§ããïŒïŒð¥
ããšãããªããè©ãããããã«ãããªãã·ã§ã«ããŒãã¬ã¹MAXææŠãããããªãããã è©ãå£ãã§ã
ðã©ã®ã¿ã€ãã³ã°ã§æè³ããŠããããïŒïŒââ4æ¡ä»¶ãã§ãã¯ãïŒ
â çæŽ»é²è¡éã3ã6ã¶æåããã§ã«è²¯ãŸã£ãŠãã
â åéïŒæ¶è²»è éèã»ãªããªã©ïŒã®è¿æžãçµãã£ãŠã or éå©ãäœã
â æè³ãããéã¯âé·æçã«äœ¿ããªãâãšæ±ºããŠãã
â åæ¯ãæ¯æé»åã§ããïŒå®¶èšãå®å®ããŠããïŒ
ãã®4ã€ã®çèãæã£ãããæ¬¡ã®ã¹ããããžGOãïŒïŒ
ð¥åéãããã©ãæè³ããããâŠïŒââã°ã©ãã§äžåäž¡æïŒïŒ
åéè¿æž vs æè³ââã©ã£ã¡ãå ãïŒ çãã¯ã³ã¬ãð
ðãæ¯èŒã°ã©ããéå©vs幎å©ïŒè€å©5%ïŒ

åééå©ã4%æªæºãªããæè³ãªã¿ãŒã³ã®æ¹ãæåŸ å€é«ã
4%以äžãªããæè³ããâåéè¿æžâãåªå ãã¹ãïŒ
äŸïŒ
ãªãïŒ15ã18%ïŒå³æ»ïŒ
奚åŠéïŒ0.2ã1.5%ïŒäœãªã¹ã¯ïŒ
äœå® ããŒã³ïŒ0.5ã1.5%ïŒæ¡ä»¶ã«ããïŒ
éå©18%ã¯ãäœèèªç50%ããšäžç·ããæ»ã¬ãã
ð£ä»ããã§ãã3ã¹ãããïŒä»æ¥ãã¬ãã1çºç®ãïŒïŒ
â ãããéè¡ã«å£åº§éèšïŒ
â ãçæŽ»é²è¡éãåã®ãµãå£åº§ãäœæïŒ
â çµŠææ¥ã«âèªåééâãèšå®ïŒ
ãããåã®â貯éãã«ã¯ã¢ãã第1ã»ããâãïŒïŒ
ð¥æ¬¡åäºåãïŒïŒ
ãå®ããåºããããæ¬¡ã¯æ»ãããããïŒïŒã
次åïŒãæ»ãã®è³ç£åœ¢æã æ°NISA à iDeCoã§ãå®¶èšãã«ã¯ãèªåãã³ãã¢ããïŒïŒ
ð¥çèãèªå墿®ãããæåŒ·ã®âã¹ããŒããã¬ãŒãã³ã°âãžçªå ¥ãïŒ ïŒŒã¹ãã¹ãã·ã³çšŒåéå§ãïŒïŒð¥ïŒ
ðŠãã®èšäºããããããïŒåœ¹ç«ã£ãïŒããšæã£ãåãžïŒ
âã¹ãâãæŒããŠãããïŒïŒð¥
ããããã®éå Žã®æ é€ãçèã§èšããããããã€ã³ãïŒ
ð¬ã³ã¡ã³ãã倧æè¿ãïŒ
ãèªãã ã ãã§çèçããã
ããã®ç¥èãã¡ã³ã¿ã«ã«å¹ããã
âŠâŠãããªå«ã³ãå
šèº«ã§åãæ¢ããã§ïŒ
ð¢ãã©ããŒããŠãããããæ¬¡ã®çènoteã§èªåãã³ãã¢ãããïŒ
ðžãããŠæåŸã«âŠ
âšããŸãèªã¿ããïŒããšæã£ããã
ãããã€ã³1æ¯åïŒ100åïŒã®ãããã§çèãæ³£ããŠåã³ãŸãðªð¥
èªãã§ãããŠã»ããŸããããšããªïŒ
ââãã¯ãŒç³»ãŽãªã©è³¢äººããðŠð¥
ð远èšïŒ2025/6/15ïŒ
ãã®èšäºã«ãã¯ãããŠã®ããããããããã ããŸããã
ãããªã«ãã誰ãã®å¿ã«å±ããŠããã®ããšæããšâŠ
æ£çŽãçèãéããŸããã
ãã®noteãéããŠåŸãããâæ°æã¡âã¯ããã ã®ãé以äžã®ãã®ã§ã
æ¬åœã«ãããããšãããããŸãã
ããããããç¬ããšå®çšãšãã³ãã蟌ããŠãæžããŠãããŸãã
ãã¯ãŒæè¬ïŒïŒïŒð¥ðª
ðãã®ã·ãªãŒãºãå šéšãŸãšããŠèªã¿ããçèæŠå£«ãã¡ãžïŒ
ãã®é£èŒã¯ããŽãªè³¢FPã®å®¶ç³»Ãè³ç£ãã«ã¯éå ŽããšããŠãã¬ãžã³åæžã¿ãïŒð