{"id":24,"date":"2008-06-12T23:06:03","date_gmt":"2008-06-13T06:06:03","guid":{"rendered":"http:\/\/www.jinmei.org\/blog\/?p=24"},"modified":"2008-06-13T00:01:29","modified_gmt":"2008-06-13T07:01:29","slug":"us-quality-401k%e7%89%88","status":"publish","type":"post","link":"https:\/\/www.jinmei.org\/blog\/2008\/06\/12\/24","title":{"rendered":"US quality 401(k)\u7248, Redhook ESB"},"content":{"rendered":"

\u4e45\u3005\u306b(\u3067\u3082\u306a\u3044\u304b)US quality\u3092\u5b9f\u611f\u3059\u308b\u3067\u304d\u3054\u3068\u306b\u906d\u9047\u3057\u305f\u3002<\/p>\n

\u4ee5\u524d\u306e\u691c\u8a0e\u7d50\u679c<\/a>\u3092\u3082\u3068\u306b401(k)\u53e3\u5ea7\u3078\u306e\u62e0\u51fa\u3092\u672c\u683c\u7684\u306b\u958b\u59cb\u3057\u3088\u3046\u3001\u3068\u601d\u3063\u3066\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u308b\u3068\u3001$20\u5206\u3092\u7121\u96e3\u306aMMF\u306b\u62e0\u51fa\u3057\u3066\u3044\u308b\u72b6\u614b(\u4e00\u5fdc\u5e74\u521d\u306b\u958b\u304f\u3060\u3051\u306f\u958b\u3044\u3066\u304a\u3044\u305f\u3002\u304b\u3064\u6b8b\u9ad8\u30bc\u30ed\u3068\u3044\u3046\u306e\u306f\u4e0d\u53ef\u3068\u306e\u3053\u3068\u3060\u3063\u305f\u306e\u3067\u3061\u3087\u3063\u3068\u3060\u3051\u62e0\u51fa\u3057\u3066\u3044\u305f)\u306a\u306e\u306b\u6b8b\u9ad8\u304c$19.56\u3057\u304b\u306a\u3044\u3002MMF\u53e3\u5ea7\u3067\u6b8b\u9ad8\u304c\u6e1b\u308b\u3053\u3068\u81ea\u4f53\u666e\u901a\u3067\u306f\u8003\u3048\u3089\u308c\u306a\u3044\u306e\u3067\u554f\u3044\u5408\u308f\u305b\u305f\u3068\u3053\u308d\u3001\u3053\u3093\u306a\u56de\u7b54\u304c\u304d\u305f\u3002<\/p>\n

\nThe money market is not a guaranteed account. It is possible to have a loss on the money market fund if the rate of interest is less than the fees for that period. It does not happen as often with the money market but with current market conditions, you will see this from time to time.\n<\/p><\/blockquote>\n

\u304a\u3044\u304a\u3044\u3001theory\u3068\u3057\u3066\u306f\u305d\u3046\u304b\u3082\u3057\u308c\u306a\u3044\u3051\u3069\u5b9f\u969b\u4e0a\u3053\u3093\u306a\u306b\u6e1b\u308b\u308f\u3051\u306a\u3044\u3060\u308d\u3046\u3001\u3068\u601d\u3063\u3066\u66f8\u3044\u305f\u8fd4\u4e8b\u304c\u4ee5\u4e0b:<\/p>\n

\nCould I get the details of the fees? I know that type of thing could happen even for a MMF account in principle, but it’s also very hard to believe more than 2% of the invested amount ($0.44 out of $20) are lost (unless most of the companies in which this fund invests default, which I don’t believe under today’s level of economy recession). In fact, I’ve never seen any loss in any other MMF accounts I had. There should probably be something very special for 401(k) accounts – I’d like to know what it is.\n<\/p><\/blockquote>\n

\u3067\u3001\u305d\u308c\u306b\u5bfe\u3059\u308b\u8fd4\u4e8b:<\/p>\n

\nThe reason the fee’s appear to be so high in his account has to do with the two incorrect contributions that were submitted. Before we could reverse these two deposits two monthly fee transactions were posted to his account. […] We did not reverse or adjust these two fee transactions when the correct deposit amounts were posted.\n<\/p><\/blockquote>\n

“Incorrect contributions”\u3068\u3044\u3046\u306e\u306f\u3001\u6700\u521d\u306b\u53e3\u5ea7\u3092\u958b\u3044\u305f\u3068\u304d\u306b\u9593\u9055\u3063\u3066\u591a\u3081\u306b\u62e0\u51fa\u3055\u308c\u3066\u3057\u307e\u3063\u3066\u3044\u3066\u3001\u305d\u308c\u3092\u6307\u3057\u3066\u3044\u308b(\u307e\u3042\u3053\u308c\u81ea\u4f53US quality\u305d\u306e\u3082\u306e\u306a\u3093\u3060\u304c\u3001\u3059\u3050\u306b\u6307\u6458\u3057\u3066\u8fd4\u91d1\u3057\u3066\u3082\u3089\u3063\u305f)\u3002\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u9593\u9055\u3063\u3066\u53d6\u3089\u308c\u3066\u3044\u305ffee\u306f\u6539\u3081\u3066\u53e3\u5ea7\u306b\u623b\u3055\u308c\u3066\u3072\u3068\u307e\u305a\u306f\u53ce\u307e\u3063\u305f\u304c\u3001\u3044\u308d\u3044\u308d\u601d\u3046\u3068\u3053\u308d\u3042\u308a\u3002<\/p>\n

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\u304a\u307e\u3051: \u4e8b\u52d9\u4f5c\u696d\u306e\u4f4equality\u306b\u6bd4\u3057\u3066\u3001\u30d3\u30fc\u30eb\u306equality\u306f\u9ad8\u3044\u30a2\u30e1\u30ea\u30ab\u3002\u6700\u8fd1\u6691\u304f\u306a\u3063\u3066\u304d\u305f\u306e\u3067\u3001\u30c7\u30d6\u306e\u60aa\u5316\u3092\u61f8\u5ff5\u3057\u3064\u3064\u3082\u3064\u3044\u3064\u3044\u98f2\u3093\u3067\u3057\u307e\u3046\u3002\u57fa\u672c\u306f\u5168\u7c73\u4e00\u304a\u3044\u3057\u3044\u3068\u8a00\u308f\u308c\u308bSierra Nevada Pale Ale\u306a\u3093\u3060\u304c\u3001\u4eca\u56de\u306f\u305f\u307e\u305f\u307esafeway\u3067\u4f1a\u54e1\u5272\u5f15\u3055\u308c\u3066\u3044\u305fRedhook ESB<\/a>\u3002\u5168\u7c73\u4e00\u306eSierra Nevada\u306e\u65b9\u304c\u3084\u3063\u3071\u308a\u597d\u307f\u3060\u3051\u3069\u3001\u3053\u308c\u3082\u7d50\u69cb\u304a\u3044\u3057\u3044\u3002<\/p>\n