
ãçèéå ±ããã©ãã¯ãŒ650人âŒïžãã¥ãŒ4äžçªç ŽâŒïžnoteãããŒã«æ®Žã蟌ãã ãŽãªã©èšäºãã¡ð¥ðŠ
ðïžãã©ãã¯ãŒ650人ïŒãã¥ãŒ40,091ðïž
ãããŸã§ãã«ã¯ã¢ããã§ããã®ã¯ãã¹ãã»ã³ã¡ã³ãã»ãã©ããŒãšããèªè ã®ã¿ããªã®ã¿ã³ãã¯è³ªã®ããããðâŒïžã»ããŸããããšãâŒïžðªð

ããã«æå ±ãnoteãããŒã«4æ¬è¿œå éžåºãâŒïž
ããã¯å
¬åŒãžã ã§ããã©ãŒã åæ ŒïŒãããããã®ãšå矩ãå§åžœçããããæ³£ãããšãðïž
â»ãã®èšäºã¯ãnoteãããŒã«éžã°ããææ°4æ¬ã®ããŸãšãïŒå¹ãããã€ã³ãããã
ã¡ãªã¿ã«ãéå»ã®noteãããŒéžåºãŸãšãèšäºã¯ããããâŒïž
ã¡ã€ã³ã»ããâ ãéçšå®çžŸãè³ç£4,000äžïœNISAã»iDeCoã®ç©ã¿äžã
â¶ïž èšäºå šæã¯ãã¡ãïŒ
è³ç£é
åãšæšç§»ã¯åèšããªã¥ãŒã 衚ãã®ãã®ã
ãåŠè³ä¿éºïŒå¹ããªããã©ãŒã ããã£ãéå»ãåçããNISAã»iDeCoïŒãã«ã¬ã³ãžã®ã¡ã€ã³ãªãããžåãæ¿ããçµæã4,000äžã
蚌åžå£åº§ã¯ãããã€ã³ã·ã§ã€ã«ãŒã¿ããã«æ³¡ç«ã¡ãèªè
ã®èäžãåºæ¿ããã
â æ°åå
¬éïŒãã©ãŒã å
¬éãåçŸæ§ãããããèªè
ãåãã
ã¡ã€ã³ã»ããâ¡ãå®¶èšã®èŠããåãåå ¥ã»æ¯åºã»è² åµã®å¥åº·èšºæ
â¶ïž èšäºå šæã¯ãã¡ãïŒ
å®¶èšç°¿ã¯ãŠã©ãŒã ã¢ããã
ããã®å Žèšé²âãºã¬ä¿®æ£â貯èçUPãã¯ã¢ããªãã£âãã©ãŒã âè·éã®é ãšåãã
ã¬ã·ãŒãåçãçãã¬åç»ããã¹ããã«æºãŸãã®ã¯ç¬ãããã©ãå¹ãç®ã¯ã¬ãã
â èŠããåã¯âã±ã¬ãé²ãå¢éâãäœãã
ã¡ã€ã³ã»ããâ¢ãæ°NISAã»iDeCoãä»çµã¿åã§åã€ç©ç«è¡
â¶ïž èšäºå šæã¯ãã¡ãïŒ
åèšèã¯**ã人ã¯ãµããïŒä»çµã¿ã¯ãµãããâŒïžã**
èªåç©ç«ïŒã¹ãã¹ãã·ã³ã
幎å©3/5/7ïŒ
ã¯RPEïŒäž»èгçéå匷床ïŒã®ç®å®ã仿¥ã¯RPE7ã®æ¥ãã£ãŠæ±ºãããè¿·ããŒãã§1ã»ããããªããã
â é·æã¯âä»çµã¿Ãåæ°âãæ ¹æ§ã¯å€§äŒã«æ®ãã
ã¡ã€ã³ã»ããâ£ãæŽèœæã®è²·ãæ¹ããè€çŸã»ããã®è²·ãå¢ãã«ãŒã«
â¶ïž èšäºå šæã¯ãã¡ãïŒ
â15%ïŒâ25%ïŒâ35%ã§30ïŒ30ïŒ40%æå
¥ïŒããããã»ããã®èŠå®ã¬ããã
æ¡åïŒã°ãªããïŒã§ææ
ãåºå®ãèŠãã®ã¯RPEã ãã
ãäžãæ¢ãŸãæ¢ããã¯ãã©ãŒã 厩å£ãšåããã«ãŒã«å®ã£ãŠæãåãã®ã¿ã
â æŽèœå¯Ÿå¿ïŒééåºå®ã®ããããã»ãããå¹ãããŠçœ®ãã
è£å©çš®ç®ïœ1ååã¯ãèšç»ãã§çŸå®çïŒäŒæ©å®€ãµã©ãããã³ïŒ
äŒæ©å®€ïŒã€ã³ã¿ãŒãã«ã¿ã€ã ãã¯ã·ã¯ãµã©ãããã³ïŒãããã€ã³ãããŒããªããèšãæŸã£ãã
ã1åå貯ããããããåããã§ãæ®ãããã§âŒïžã
ååãããç¡çããã
ã¯ã·ãã»ãª**éé衚ïŒã·ãã¥ã¬ãŒã·ã§ã³ïŒ**èŠãŠã¿ãã
400äžÃ10%Ã3%ïŒ49幎
1000äžÃ30%Ã7%ïŒ16幎
äžç¬ã§äŒæ©å®€ãéãŸãè¿ãããŸãã§ããããªããã®ã©ã¹ãã¬ããã
ããã«è¿œæãã
ã奚åŠéã¯å©ããè¿æžã§åè¿ãïŒ åŠè³ä¿éºã¯ãããŒããæ°NISAã«çµã¿æ¿ããïŒã
ââãããã**âéé衚ã§èŠããçŸå®çãªè©±â**ãããnoteãããŒéžåºããŒãã«ãªãããã
ã¯ãŒã«ããŠã³ïœnoteãããŒã¯ééç¹ãæçµPRã¯ãè³ç£1ååã
noteãããŒéžåºïŒãã©ãŒã åæ Œãã§ãæçµç®æšã¯ãè³ç£1ååïŒç«¶æäœéã®PRæŽæ°ãã
ããããã
æ°NISAã»iDeCoïŒã«ãŒãã£ã³ã¡ãã¥ãŒ
æŽèœè²·ãå¢ãïŒããããã»ãã
æè²è²»ã»å¥šåŠéïŒéé調æŽã®å·¥å€«
ããç¬ããšçèã§å±ããã
â»æ¬èšäºã¯äžè¬çæ å ±ã§ããæè³å©èšã§ã¯ãããŸãããæçµå€æã¯ãèªèº«ã§ã
ðŠããã¯ãŽãªããã®åžåã
ããã®èšäºãâããããïŒââçã£ãŠãïŒâãšæã£ãåïŒ ã¹ãã§çèããã³ã¡ã³ãã§éãããã©ããŒã§ç¥è©±ãè²ãŠãŠããïŒïŒã
ðªã¹ãïŒåºèçãžã®ã¿ãã¥ãŒïŒ
ð¬ã³ã¡ã³ãïŒèªè
ã®åå®ïŒã¹ã¯ãªãŒã ïŒïŒ
ð¢ãã©ããŒïŒæ¬¡å
ãè¶
ããå¬åå¥çŽïŒ
ââçèã¯æåãnoteã¯éæå Žã åãâéçâã«åå ãããžããïŒ
ð¢ ãã¯ãŽãªå
±åéå¶äžãâŒïžâŒïžâŒïžïŒ
noteçã®**ãã¹ããã»ããã©ããŒãã»ããã¥ãŒããââ
ð¥âè¶
å埩âãããçèç³»ãã¬ãžã³ãããã«çèªâŒïž**ð¥
ððð
ðŠããã®noteããã«ã¯ãã£ãã§âŠããšæããã¢ãã¿ãž
ð°ãããã€ã³1æ¯ïŒ100åïŒã®ãããã§
ãã¯ãŽãªã®åºèçãéããâŠãããå°é³Žãã¬ãã«ã§æºããïŒïŒ
å¿æŽèšäºã¯ãã¡ãð
â»éããããŠé¢ç¯å€ãããããŸãã
ðããã®ã·ãªãŒãºãå šéšèªã¿ãããçèæŠå£«ãžïŒïŒ
ãã®noteã¯ãããŽãªè³¢FPã®å®¶èšÃè³ç£ãã«ã¯éå ŽããšããŠãã¬ãžã³åæžã¿ãïŒïŒð¥
ðãæ°ã«å
¥ãç»é²ããŠãçãã¬ã®ããã«æ¯æ¥1èšäºãã€
èªã¿èŸŒãïŒïŒããããæ°ã¥ãããèäžãå²ããŠãïŒ