{"id":11872,"date":"2015-09-23T23:35:04","date_gmt":"2015-09-24T06:35:04","guid":{"rendered":"http:\/\/www.jinmei.org\/blog\/?p=11872"},"modified":"2015-09-24T21:26:06","modified_gmt":"2015-09-25T04:26:06","slug":"%e7%b1%b3%e5%9b%bd%e9%9d%9e%e5%b1%85%e4%bd%8f%e8%80%85%e3%81%ab%e3%81%aa%e3%81%a3%e3%81%9f%e5%a0%b4%e5%90%88%e3%81%ae%e5%90%84%e7%a8%ae%e5%8f%a3%e5%ba%a7%e3%81%ae%e6%89%b1%e3%81%84","status":"publish","type":"post","link":"https:\/\/www.jinmei.org\/blog\/2015\/09\/23\/11872","title":{"rendered":"\u7c73\u56fd\u975e\u5c45\u4f4f\u8005\u306b\u306a\u3063\u305f\u5834\u5408\u306e\u5404\u7a2e\u53e3\u5ea7\u306e\u6271\u3044"},"content":{"rendered":"<p>\u5148\u65e5\u3001\u3082\u3057\u65e5\u672c\u306b\u5e30\u56fd\u3057\u306a\u3044\u3068\u3044\u3051\u306a\u304f\u306a\u3063\u305f(\u3042\u308b\u3044\u306f\u305d\u3046\u3067\u306a\u304f\u3066\u3082\u30a2\u30e1\u30ea\u30ab\u4ee5\u5916\u306e\u56fd\u306b\u4f4f\u3080\u3053\u3068\u306b\u306a\u3063\u305f)\u5834\u5408\u3001\u73fe\u5728\u4fdd\u6301\u3057\u3066\u3044\u308b\u5404\u7a2e\u91d1\u878d\u6a5f\u95a2\u306e\u53e3\u5ea7\u306f\u3069\u3046\u306a\u308b\u306e\u304b\u3068\u3044\u3046\u306e\u304c\u3075\u3068\u6c17\u306b\u306a\u308a\u3001\u554f\u3044\u5408\u308f\u305b\u3066\u78ba\u8a8d\u3057\u3066\u307f\u305f\u3002\u305d\u306e\u7d50\u679c\u3092\u3056\u3063\u3068\u307e\u3068\u3081\u308b\u3068\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u611f\u3058:<br \/>\n<!--more--><br \/>\n<a href=\"https:\/\/investor.vanguard.com\/home\/\">Vanguard<\/a><\/p>\n<ul>\n<li>\u30a2\u30e1\u30ea\u30ab\u975e\u5c45\u4f4f\u8005\u306b\u306a\u3063\u305f\u5f8c\u3082\u53e3\u5ea7\u7dad\u6301\u53ef\u80fd<\/li>\n<li>Mutual fund dividend\u306e<del>\u5206\u914d\u91d1<\/del>\u518d\u6295\u8cc7\u306f\u7d99\u7d9a\u3055\u308c\u308b(9\/24\u8a02\u6b63:\u300c\u5206\u914d\u91d1\u300d\u3067\u306f\u306a\u304f\u300c\u518d\u6295\u8cc7\u300d)<\/li>\n<li>Mutual fund, ETF, \u4e00\u822c\u682a\u5f0f\u3082\u7d99\u7d9a\u3057\u3066\u8cfc\u5165(\u3088\u308a\u6b63\u78ba\u306b\u306f&#8221;establish new positions&#8221;)\u53ef\u80fd<\/li>\n<li>\u58f2\u5374\u304c\u53ef\u80fd\u304b\u306f\u672a\u78ba\u8a8d(\u3060\u304c\u8cfc\u5165\u304c\u53ef\u80fd\u306a\u304f\u3089\u3044\u306a\u306e\u3067\u53ef\u80fd\u3060\u308d\u3046)<\/li>\n<li>(\u5c11\u306a\u304f\u3068\u3082\u7b46\u8005\u306e\u73fe\u52e4\u3081\u5148\u306e)401(k)\u53e3\u5ea7\u306f\u7dad\u6301\u53ef\u80fd(\u305f\u3060\u3057\u9000\u8077\u3057\u3066\u3044\u308c\u3070\u5f53\u7136\u65b0\u898f\u62e0\u51fa\u4e0d\u53ef)<\/li>\n<li>IRA\u53e3\u5ea7\u3082\u7dad\u6301\u53ef\u80fd(\u62e0\u51fa\u3082\u53ef\u80fd\u304b\u306f\u4e0d\u660e\u3060\u304c\u3001\u65e5\u672c\u306b\u5e30\u56fd\u3057\u305f\u3088\u3046\u306a\u5834\u5408\u306fIRS\u7684\u62e0\u51fa\u53ef\u80fd\u6761\u4ef6\u3092\u6e80\u305f\u3055\u306a\u3044\u3053\u3068\u304c\u591a\u305d\u3046)<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.fidelity.com\/\">Fidelity<\/a><\/p>\n<ul>\n<li>\u30a2\u30e1\u30ea\u30ab\u975e\u5c45\u4f4f\u8005\u306b\u306a\u3063\u305f\u5f8c\u3082\u53e3\u5ea7\u7dad\u6301\u53ef\u80fd<\/li>\n<li>\u901a\u5e38\u306e\u682a\u5f0f\u3084ETF\u306f\u5f15\u304d\u7d9a\u304d\u58f2\u8cb7\u53ef\u80fd<\/li>\n<li>\u4fdd\u6709\u3057\u3066\u3044\u308bmutual fund\u306e\u58f2\u5374\u306f\u53ef\u80fd<\/li>\n<li>Mutual fund\u306e\u65b0\u898f\u8cfc\u5165\u306f\u4e0d\u53ef<\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.hsabank.com\/hsabank\/members\">HSA Bank<\/a>\u306eHSA<\/p>\n<ul>\n<li>\u975e\u5c45\u4f4f\u8005\u306b\u306a\u3063\u305f\u5f8c\u306e\u53e3\u5ea7\u7dad\u6301\u306f\u4e0d\u53ef<\/li>\n<\/ul>\n<p>Fidelity\u3067\u306f\u7dad\u6301\u53ef\u80fd\u3060\u3068\u3044\u3046\u306e\u306f\u3060\u3044\u3076\u524d\u306b\u78ba\u8a8d\u3057\u3066\u3044\u305f\u306e\u3060\u304c\u3001\u4e00\u5fdc\u3044\u307e\u3067\u3082\u5909\u308f\u3063\u3066\u3044\u306a\u3044\u3053\u3068\u304c\u78ba\u8a8d\u3067\u304d\u305f\u3002\u307e\u305f\u3001\u7b46\u8005\u306b\u3068\u3063\u3066\u306f\u610f\u5916\u306a\u3053\u3068\u306bVanguard\u304c\u975e\u5e38\u306b\u5bdb\u5927\u3060\u3063\u305f\u3002\u4ee5\u524d\u3069\u3053\u304b\u3067Vanguard\u306e\u53e3\u5ea7\u306f\u30a2\u30e1\u30ea\u30ab\u975e\u5c45\u4f4f\u8005\u306b\u306a\u308b\u3068\u7dad\u6301\u4e0d\u53ef\u80fd\u3068\u805e\u3044\u305f\u6c17\u304c\u3057\u3066\u3044\u305f\u306e\u3060\u304c\u3001\u30dd\u30ea\u30b7\u30fc\u304c\u5909\u308f\u3063\u305f\u306e\u3067\u306a\u3044\u3068\u3059\u308c\u3070\u5b8c\u5168\u306a\u52d8\u9055\u3044\u3060\u3063\u305f\u3053\u3068\u306b\u306a\u308b(\u4ee5\u524d\u4f5c\u3063\u305f<a href=\"https:\/\/docs.google.com\/presentation\/d\/1jHLj1XcEbfDez724ICHCT3XyeY0baNpafY9S7jY6rXE\/edit#slide=id.g769d20999_0_62\">\u7a0e\u512a\u9047\u53e3\u5ea7\u306b\u3064\u3044\u3066\u306e\u30b9\u30e9\u30a4\u30c9<\/a>\u3067\u3082\u300c\u771f\u507d\u4e0d\u660e\u306e\u5642\u300d\u3068\u3057\u3066Vanguard\u3067\u306f\u7dad\u6301\u3067\u304d\u306a\u3044\u304b\u3082\u3068\u66f8\u3044\u3066\u3044\u305f\u306e\u3060\u304c\u8a02\u6b63\u3057\u305f)\u3002<\/p>\n<p>\u4e00\u65b9\u3001\u534a\u3070\u4e88\u60f3\u306f\u3057\u3066\u3044\u305f\u304c\u3001HSA Bank\u306e\u53e3\u5ea7\u306f\u3084\u306f\u308a\u5c45\u4f4f\u8005\u5c02\u7528\u3060\u3063\u305f\u3002\u3069\u3053\u304b\u4ed6\u306b\u975e\u5c45\u4f4f\u8005\u3067\u3082\u7dad\u6301\u53ef\u80fd\u306aHSA\u304c\u3042\u308c\u3070\u305d\u3053\u306b\u79fb\u3059\u3068\u3044\u3046\u624b\u306f\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u304c\u3001\u3072\u3082\u4ed8\u304d\u306e\u904b\u7528\u53e3\u5ea7\u307e\u3067\u307e\u3068\u3081\u3066\u79fb\u7ba1\u306f\u3067\u304d\u306a\u3044\u3060\u308d\u3046\u3057\u3001\u305d\u3082\u305d\u3082\u975e\u5c45\u4f4f\u8005\u306e\u53e3\u5ea7\u7dad\u6301\u3092\u8a8d\u3081\u308bHSA\u304c\u5b58\u5728\u3057\u3066\u3044\u308b\u306e\u304b\u3069\u3046\u304b\u3082\u3044\u307e\u306e\u3068\u3053\u308d\u5b9a\u304b\u3067\u306f\u306a\u3044\u3002\u3068\u306a\u308b\u3068\u3001<a href=\"http:\/\/www.jinmei.org\/blog\/2015\/08\/21\/11845\">\u4ee5\u524d\u306eblog<\/a>\u306b\u3082\u66f8\u3044\u305f\u3088\u3046\u306b\u3001\u5e30\u56fd\u306e\u305f\u3081\u306b\u3044\u3056\u53e3\u5ea7\u3092\u9589\u3058\u306a\u3044\u3068\u3044\u3051\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u8ab2\u7a0e\u3068(\u5e74\u9f62\u6b21\u7b2c\u3067\u306f)\u30da\u30ca\u30eb\u30c6\u30a3\u3092\u4f34\u3046non qualified\u306e\u5f15\u304d\u51fa\u3057\u3092\u3067\u304d\u308b\u3060\u3051\u907f\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u3001\u672a\u8acb\u6c42\u306e\u533b\u7642\u8cbb\u306e\u8a18\u9332\u3092\u3057\u3063\u304b\u308a\u6b8b\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u307e\u3059\u307e\u3059\u91cd\u8981\u306b\u306a\u308a\u305d\u3046\u3067\u3042\u308b\u3002<\/p>\n<p>\u975e\u5c45\u4f4f\u8005\u5bfe\u5fdc\u306f\u4eca\u5f8c\u3082\u5909\u308f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3060\u308d\u3046\u304b\u3089\u3001\u73fe\u6642\u70b9\u3067\u306e\u60c5\u5831\u304c\u5b9f\u969b\u306b\u5fc5\u8981\u3068\u306a\u308b\u3068\u304d\u307e\u3067\u6709\u52b9\u304b\u3069\u3046\u304b\u306f\u308f\u304b\u3089\u306a\u3044\u304c\u3001\u5c11\u306a\u304f\u3068\u3082\u5642\u3084\u63a8\u6e2c\u30ec\u30d9\u30eb\u3067\u306a\u3093\u3068\u306a\u304f\u7406\u89e3(or\u8aa4\u89e3)\u3057\u3066\u3044\u305f\u90e8\u5206\u3092\u306f\u3063\u304d\u308a\u78ba\u8a8d\u3067\u304d\u305f\u306e\u306f\u53ce\u7a6b\u3060\u3063\u305f\u3002<\/p>\n<p>\u3068\u3053\u308d\u3067\u3001\u3053\u308c\u307e\u3067\u7b46\u8005\u306f\u3068\u304f\u306b\u8ab2\u7a0e\u53e3\u5ea7\u3067\u306f\u4e00\u822c\u306emutual fund\u3067\u306f\u306a\u304f\u5bfe\u5fdc\u3059\u308bETF\u3092\u8cb7\u3046\u3088\u3046\u306b\u3057\u3066\u304d\u305f\u306e\u3060\u304c\u3001\u305d\u306e\u4e3b\u306a\u7406\u7531\u304c\u5b9f\u306f\u3053\u306e\u4ef6\u306b\u95a2\u4fc2\u3057\u3066\u3044\u308b\u3002\u5c06\u6765\u3082\u3057\u30a2\u30e1\u30ea\u30ab\u975e\u5c45\u4f4f\u8005\u306b\u306a\u308b\u3053\u3068\u306b\u306a\u3063\u305f\u5834\u5408\u3001Vanguard\u3092\u89e3\u7d04\u305b\u3056\u308b\u3092\u5f97\u305aFidelity(\u3082\u3057\u304f\u306f\u4ed6\u306e\u975e\u5c45\u4f4f\u8005\u306e\u53e3\u5ea7\u7dad\u6301\u3092\u8a8d\u3081\u3066\u3044\u308b\u4f1a\u793e)\u306b\u8cc7\u7523\u4e00\u5f0f\u3092transfer\u3059\u308b\u3088\u3046\u306a\u3053\u3068\u306b\u306a\u3063\u305f\u5834\u5408\u3001Vanguard\u306emutual fund\u306a\u3069\u3060\u3068\u58f2\u5374\u6642\u306e\u624b\u6570\u6599\u304c\u9ad8\u3044(\u3068\u601d\u3063\u3066\u3044\u305f)\u3068\u3044\u3046\u306e\u304c\u7406\u7531\u3067\u3042\u308b\u3002\u4e00\u65b9\u3001ETF\u306a\u3089\u901a\u5e38\u306e\u682a\u5f0f\u306a\u3069\u3068\u540c\u3058\u3067\u6570\u30c9\u30eb\u7a0b\u5ea6\u306e\u624b\u6570\u6599\u3067\u58f2\u5374\u3067\u304d\u308b\u3002Vanguard\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u5834\u5408\u3001\u591a\u304f(\u5168\u90e8\uff1f)\u306e\u30b1\u30fc\u30b9\u3067admiral class\u3068ETF\u306eexpense ratio\u306f\u540c\u3058\u3060\u3057\u3001ETF\u3060\u3068\u5206\u914d\u91d1\u3092\u81ea\u5206\u3067\u518d\u6295\u8cc7\u3059\u308b\u5fc5\u8981\u304c\u3042\u3063\u3066\u9762\u5012\u306a\u4e0a\u3001(Vanguard\u306e\u30e1\u30b8\u30e3\u30fc\u306a\u30d5\u30a1\u30f3\u30c9\u306a\u3089\u3042\u307e\u308a\u554f\u984c\u306a\u3044\u3088\u3046\u3060\u304c)\u672c\u4f53\u306e\u30d5\u30a1\u30f3\u30c9\u4fa1\u984d\u3068\u306e\u4e56\u96e2\u554f\u984c\u3082\u3042\u3063\u305f\u308a\u3068\u3001\u5c11\u306a\u304f\u3068\u3082admiral class\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3046\u3060\u3051\u306e\u8cc7\u91d1\u304c\u3042\u308c\u3070\u901a\u5e38\u308f\u3056\u308f\u3056ETF\u3092\u9078\u629e\u3059\u308b\u7406\u7531\u306f\u306a\u3044\u306e\u3060\u304c\u3001\u9060\u3044\u5c06\u6765\u306e\u53ef\u80fd\u6027\u3092\u8003\u3048\u3066\u3044\u307e\u307e\u3067\u3053\u308c\u3089\u3092\u6211\u6162\u3057\u3066\u304d\u305f\u3002\u3057\u304b\u3057\u3001Vanguard\u306bmutual fund\u306e\u307e\u307e\u6b8b\u3057\u3066\u304a\u3044\u3066\u5fc5\u8981\u306a\u3068\u304d\u306b\u58f2\u5374\u3067\u304d\u308b\u3068\u306a\u308c\u3070\u305d\u3093\u306a\u82e6\u52b4\u3082\u5fc5\u8981\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308b\u3002\u3055\u3089\u306b\u8a00\u3046\u3068\u3001\u5b9f\u306fFidelity\u306e\u5834\u5408\u3060\u3068Vanguard\u306e\u30d5\u30a1\u30f3\u30c9\u306f<a href=\"https:\/\/www.fidelity.com\/mutual-funds\/all-mutual-funds\/fees\">FundsNetwork Transaction fee funds<\/a>\u3068\u3044\u3046\u30ab\u30c6\u30b4\u30ea\u306b\u5c5e\u3059\u308b\u3088\u3046\u3067\u3001\u3053\u308c\u3060\u3068\u58f2\u5374\u6642\u306b\u306f\u624b\u6570\u6599\u304c\u304b\u304b\u3089\u306a\u3044\u3089\u3057\u3044(&#8220;You will only be charged a transaction fee when you buy a FundsNetwork TF fund, not when you sell one.&#8221;\u3068\u3042\u308b)\u3002\u4eca\u9803\u306b\u306a\u3063\u3066\u8abf\u67fb\u304c\u7518\u304b\u3063\u305f\u3053\u3068\u306b\u6c17\u304c\u3064\u3044\u3066\u3057\u307e\u3063\u305f\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5148\u65e5\u3001\u3082\u3057\u65e5\u672c\u306b\u5e30\u56fd\u3057\u306a\u3044\u3068\u3044\u3051\u306a\u304f\u306a\u3063\u305f(\u3042\u308b\u3044\u306f\u305d\u3046\u3067\u306a\u304f\u3066\u3082\u30a2\u30e1\u30ea\u30ab\u4ee5\u5916\u306e\u56fd\u306b\u4f4f\u3080\u3053\u3068\u306b\u306a\u3063\u305f)\u5834\u5408\u3001\u73fe\u5728\u4fdd\u6301\u3057\u3066\u3044\u308b\u5404\u7a2e\u91d1\u878d\u6a5f\u95a2\u306e\u53e3\u5ea7\u306f\u3069\u3046\u306a\u308b\u306e\u304b\u3068\u3044\u3046\u306e\u304c\u3075\u3068\u6c17\u306b\u306a\u308a\u3001\u554f\u3044\u5408\u308f\u305b\u3066\u78ba\u8a8d\u3057\u3066\u307f\u305f\u3002\u305d\u306e\u7d50\u679c\u3092\u3056\u3063\u3068\u307e\u3068\u3081\u308b\u3068\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u611f\u3058:<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[19],"class_list":["post-11872","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-finance"],"_links":{"self":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/11872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/comments?post=11872"}],"version-history":[{"count":5,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/11872\/revisions"}],"predecessor-version":[{"id":11878,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/11872\/revisions\/11878"}],"wp:attachment":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/media?parent=11872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/categories?post=11872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/tags?post=11872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}