ãFPç£ä¿®ãèåŸè³éã®è²¯ãæ¹3éžïœèåŸã«å¿ èŠã«ãªãè³éã玹ä»
å°æ¥ã»èåŸãžã®åã2023.01.03 å ¬é | 2023/01/09 æŽæ°
èåŸè³éã貯ããã«ã¯ãçŸç¶ããèŠçŽãããšã倧åã§ãã
ãèåŸ2000äžååé¡ãã話é¡ã«ãªããèåŸç掻ã«äžå®ãæããŠããæ¹ãå€ãã®ã§ã¯ãªãã§ããããã
ä»åã¯ãèåŸã«å¿
èŠãªè³éãšè²¯ãæ¹ã«ã€ããŠçŽ¹ä»ããŸãã®ã§ããã²åèã«ããŠã¿ãŠãã ããã
èšäºç£ä¿®è
SYN Group æ ªåŒäŒç€Ÿ
å€§å¡ å
èåŸã®ç掻è³éã¯å¹Žéã ãã§ã¯è¶³ããªãïŒ
èåŸãåããªããªãåå ¥ã幎éã®ã¿ã«ãªã£ãå Žåãç掻費ã¯ãããããã°è¶³ããã®ã§ããããã
ç·åçã®2021幎ã家èšèª¿æ»å¹Žå ±ãã«ãããšã65æ³ä»¥äžã®å€«å©Šã®ã¿ã®ç¡è·äžåž¯ã®æ¶è²»æ¯åºã®å¹³åã¯224,436å/æãšãªã£ãŠããŸãã
æ¯åºã«å¯Ÿããå¯åŠåæåŸïŒåå ¥ïŒã®å¹³åã¯205,911åã§ãããäžè¶³åïŒèµ€åïŒ18,525åãçºçããŠããããšãåãã£ãŠããŸãã
ç·åçã®çµ±èšã¯ãããŸã§å¹³åå€ã§ãããããå šãŠã®é«éœ¢è ã§å€«å©Šã®ã¿ã®ç¡è·äžåž¯ã«èšããããã§ã¯ãããŸããã
ãããã幎éã ãã§ã¯ç掻è³éã¯è¶³ããªããªãããªã¿ã€ã¢åŸãåããŠç掻è³éã皌ããã貯éãåã厩ããŠç掻ããããšã«ãªããããããŸããã
ç掻è³é以å€ã«ããéãå¿ èŠ
åè²ãŠããã€ããŒã ã®è³Œå ¥ãªã©ãã©ã€ãã¹ããŒãžã«ãã£ãŠæºåããè³éã¯ç°ãªããŸãã
èåŸç掻ãåæ§ã§ãç掻è³é以å€ã«çºçããåºè²»ã«åããŠãç掻費ãšã¯å¥ã«è³éã®æºåãå¿ èŠã§ãã
ããšãã°ã以äžã«æããè²»çšã¯ç掻費以å€ã«å¿ èŠã«ãªãå¯èœæ§ããããŸãã
- éé¢ãå ¥é¢ãæè¡ãªã©ç é¢ã«é¢ããè²»çš
- äœå± ã®ãªãã©ãŒã ãä¿®çè²»çš
- ä»è·è²»çš
- ãè¬åŒããå¢ãªã©ãæºåããè²»çš
å¥å šã«æ¥åžžç掻ãéãããã¡ã¯ããã§ãããäžãäžã«åãããšããæå³ã§ãèåŸè³éã貯ããŠããããšã¯å€§åã§ãã
ç掻è³é以å€ã«çºçããå¯èœæ§ã®ããè³éã®ãã¡ãç é¢ä»£ãä»è·ä»£ã¯ãåçš®ä¿éºã«å å ¥ããããšã§ãè³ããŸãã
ãã ããçŸç¶ã®åæ¯ãèŠçŽããŠãããèªåã«åãæ¹æ³ã§èåŸç掻ã®åããæ€èšããã®ãããããããŸãã
èåŸè³éã®è²¯ãæ¹3éž
èåŸè³éã貯ããæ¹æ³ã3ã€çŽ¹ä»ããŸãã
- çŸåšã®ç掻費ãèŠçŽã
- 貯éæ¹æ³ãèŠçŽã
- è³ç£éçšãå§ãã
ãŸãã¯ãçŸåšã®ç掻費ããåæ¯ãèŠçŽãã貯éãè³ç£éçšã§ãããéãæºåããããšã倧åã§ãã
å ·äœçã«äœãèŠçŽãããããããè³ç£éçšã«ã¯ã©ã®ãããªæ¹æ³ãããã®ã玹ä»ããŠããŸãã®ã§ããã²åèã«ããŠã¿ãŠãã ããã
èåŸè³éã®è²¯ãæ¹1ïœçŸåšã®ç掻費ãèŠçŽã
èåŸè³éã貯ããããã«ç¯çŽãããŠãå¿èº«ãå£ããŠããŸã£ãŠã¯æå³ããããŸããã
èåŸã®ç掻è³éãæºåããããã«çŸåšã®åæ¯ãææ¡ããç掻費ã§äžèŠãªåºè²»ãããã°å®æçã«èŠçŽãããã«ããŸãããã
- äœå® ãè»
- éä¿¡è²»
- ä¿éº
äž»ã«ã以äžã®3ã€ã®ç掻費ã®èŠçŽãããã€ã³ãã玹ä»ããŸãã
1-1.äœå® ãè»
äœå® ããŒã³ãè»ã®ããŒã³ãæ¯æã£ãŠããæ¹ã¯ãçŸåšã®ç掻費ã«å ããããŒã³è¿æžã®å²åãææ¡ããããšãããããããŸãã
ãåãã®éããããŒã³ã¯å©æ¯ãçºçããŠãããããå ã«è¿æžããŠããŸã£ãã»ãããåŸãšãèšããŸãã
ããããåãå ¥ãã®ç¶æ³ãããŒã³ã®ã¿ã€ãã«ãã£ãŠãç°ãªãããäžåºŠå°é家ã«çžè«ããŠã¿ãã®ãããã§ãããã
è»ã¯ãçšéãã¬ãœãªã³ä»£ãè»æ€ä»£ãé§è»å Žä»£ãªã©ã®ç¶æè²»ãããããŸãã
è»ã®ç¶æè²»ãæ¯æææ¡ããããã«ããä¹ãé »åºŠãå°ãªããªã£ããç¶æè²»ãèšããã§ããããããè»ä»¥å€ã®ç§»åæ段ãæ€èšããã®ãããããããŸãã
1-2.éä¿¡è²»
ã¹ããŒããã©ã³ã倧æãã£ãªã¢ã§å¥çŽããŠããã®ã§ããã°ãæ Œå®SIMãæ Œå®ã¹ãããžã®ä¹ãæããæ€èšããŸãããã
å¥çŽãããã©ã³ãäŒç€Ÿã«ãã£ãŠç°ãªããŸãããçŸåšã®éä¿¡è²»ããå®ãæžãŸããããå¯èœæ§ããããŸãã
åºé ã¯æ··ãã§ããŠåŸ ã¡ãããªããšããæ¹ããä¹ãæãã®ããã«è¡ãã®ãé¢åãšããæ¹ã¯ã¹ããŒããã©ã³ããç³ã蟌ã¿ã§ããæºåž¯ã»ã¢ãã€ã«äŒç€Ÿãããããè€æ°ã®äŒç€Ÿãæ¯èŒããŠã¿ãŠãã ããã
1-3.ä¿éº
èŠèœãšããã¡ãªã®ããä¿éºã®èŠçŽãã§ãã
ä¿éºã¯ãèªåèªèº«ã®ã©ã€ãã¹ããŒãžã«åã£ãå¿ èŠä¿éé¡ã«ããããšã倧åã§ãã
çåœä¿éºãã¬ã³ä¿éºã ãã§ã¯ãªããè»ã®ä¿éºãç«çœä¿éºãªã©ãå®æçã«èŠçŽãããã«ããŸãããã
ãšãã«ãèŠçŽããã«å¥çŽãããŸãŸã®çåœä¿éºãã幎霢ãå èš±ã®è²ã§ä¿éºæãå€ããè»ã®ä¿éºã¯ãæ©ãã®èŠçŽããããããã§ãã
ä¿éºãèŠçŽããäžå¿ èŠã ãšæããã解çŽããããšã«ãããä»ãŸã§ä¿éºæã«å ãŠãŠãããéã貯èã«åãããšãå¯èœã«ãªããŸãã
èåŸè³éã®è²¯ãæ¹2ïœè²¯éæ¹æ³ãèŠçŽã
貯éã¯æå ã«æ®ã£ããéã貯ããããããããããã貯èçšã®ãéããããŠè²¯ããæ¹ãã貯éãç¿æ £åããè³éãæºãŸãããããªããŸãã
貯èçšã®å£åº§ãã€ãããå®æé éã§è²¯éãããæ¹æ³ãšã絊äžå€©åŒãã§ãã財圢貯èå¶åºŠã«ã€ããŠçŽ¹ä»ããŸãã
å®æé éãšè²¡åœ¢è²¯èå¶åºŠã®ã¡ãªãããšãã¡ãªããã䜵ããŠçŽ¹ä»ããŸãã®ã§ããã²åèã«ããŠã¿ãŠãã ããã
2-1.å®æé é
å®æé éã¯ãã¯ããã«é ãå ¥ãæéã決ããŠå©çšããé éã®ããšã§ãæ®éé éãšç°ãªãæºææ¥ãŸã§åºæ¬çã«ã¯åŒãåºããã§ããŸããã
ã¯ããã«é ãå ¥ããæã®éå©ãæºææ¥ãŸã§é©çšããããåºå®éå©å®æé éããšãé©çšéå©ãäžå®æéããšã«å€æŽã«ãªããå€åéå©å®æé éãããããŸãã
å®æé éã®ã¡ãªããã»ãã¡ãªããã玹ä»ããŸãã
å®æé éã®ã¡ãªãã | å®æé éã®ãã¡ãªãã |
---|---|
ã»æ®éé éããéå©ãé«ã
ã»å æ¬ãä¿èšŒãããŠãã ã»é ãå ¥ããæéãç®çã«åãããŠéžã¹ã ã»å®å®ããŠãã |
ã»æè³ããã¯ãéãå¢ãã«ãã
ã»æºæãŸã§ãéã¯åŒãåºããªã ã»é·æéé ããŠãããããã§ã¯ãªãïŒæéã決ããŠå©çšããããïŒ |
æè³ã«æ¯ã¹é«ããªã¿ãŒã³ã¯æããŸããããã»ãŒãªã¹ã¯ããªãããšãã貯èæ¹æ³ãšããŠã¯å å®ãªæ¹æ³ãšãããŸãã
ããã€ã§ãåŒãåºãã§ããç¶æ ã ãšäœ¿ã£ãŠããŸãããã
ãšããæ¹ã«ããããã®è²¯èæ¹æ³ã§ãã
åèïŒå®æé é | äžè¬ç€Ÿå£æ³äºº å šåœéè¡åäŒã
以äžã®èšäºã¯30代ã®å¹³å貯èé¡ã玹ä»ããŠããŸãã®ã§ããã¡ããåèã«ããŠã¿ãŠãã ããã
2-2.財圢貯èå¶åºŠ
財圢貯èå¶åºŠãšã¯ã絊äžããã®å€©åŒãïŒè³éæ§é€ïŒã§è¡ã貯èãã§ããå¶åºŠã§ãã
財圢貯èãå§ããããã«ã¯ãå€åå ã§è²¡åœ¢è²¯èå¶åºŠãå°å ¥ãããŠããããšãå¿ èŠã§ãã
äºæ¥äž»ã«éçšãããæ¹ã§ããã°å©çšã§ããå€åŽè 財ç£åœ¢æä¿é²æ³äžãéçšåœ¢æ ã»å°±æ¥åœ¢æ ã«ããéå®ã¯ãããŸããã
財圢貯èå¶åºŠã«ã¯
- äžè¬è²¡åœ¢è²¯è
- 財圢幎é貯è
- 財圢äœå® 貯è
ã®ïŒçš®é¡ãããã財圢貯èå¶åºŠã®ã¡ãªããã»ãã¡ãªããã¯ä»¥äžã®éãã§ãã
財圢貯èå¶åºŠã®ã¡ãªãã | 財圢貯èå¶åºŠã®ãã¡ãªãã |
---|---|
ã»çµŠäžå€©åŒã
ã»çšå¶ã®åªéãããïŒè²¡åœ¢äœå® 貯èã»è²¡åœ¢å¹Žé貯èïŒ ã»ç®çå¥ã«è²¯èã§ãã ã»äœå® ããŒã³èè³ãå©çšã§ãã |
ã»ç®çå¥ã®è²¯èå¶åºŠã§ãã
ã»éçšçãæåŸ ã§ããªã ã»ãéã®åŒãåºãã«æéãããã ã»èªå¶æ¥ã¯å¯Ÿè±¡å€ ã»è»¢è·ãéè·æã«æç¶ããå¿ èŠ |
åèïŒè²¡åœ¢è²¯èå¶åºŠã
絊äžå€©åŒãã§ãããããèããåãå·®ãåŒãããããå€åå ã«è²¡åœ¢è²¯èå¶åºŠãããã°å©çšããã貯èæ¹æ³ã§ãã
èåŸè³éã®è²¯ãæ¹3ïœè³ç£éçšãã¯ããã
è³ç£éçšãšã¯ãèªåã®æã£ãŠãããéãé 貯éãæè³ã«é åïŒéçšïŒããå¹ççã«å¢ããããšããããŸãã
è³ç£éçšã¯åºæ¬çã«ãæè³ããšãªãã®ã§ãå æ¬å²ããèµ·ãããŠæãããå¯èœæ§ããããŸãã
ãŸãã¯ãåå¿è ã§ãã¯ãããããé課çšã§è³ç£ãéçšã§ããNISAïŒã€ã¿ããŠNISAïŒãiDecoãæ€èšããã®ãããããã§ãã
ä»åã¯ã以äžã®è³ç£éçšæ¹æ³ã玹ä»ããŸãã
- NISA/ã€ã¿ããŠNISA
- iDeco
- æè³ä¿¡èš
åèïŒæ¥æ¬èšŒåžæ¥åäŒãæè³ã®æéã
3-1.NISA/ã€ã¿ããŠNISA
NISAãšã¯ãNISAå£åº§ãå ã§ãæ¯å¹Žäžå®éé¡ã®ç¯å²å ã§è³Œå ¥ããæ ªåŒãæè³ä¿¡èšãªã©ã®éèååããåŸãããå©çã«ãçšéãããããªããªãå¶åºŠã®ããšã§ãã
NISAã¯ã20æ³ä»¥äžãå©çšã§ãããäžè¬NISAããã€ã¿ããŠNISAãæªæ幎ãå©çšã§ããããžã¥ãã¢NISAãã®3çš®é¡ããããŸãã
2024幎以éã«NISAå¶åºŠãèŠçŽããããäºå®ã§ãã®ã§ã2024幎以éã®NISAå¶åºŠã«ã€ããŠã¯ãã¡ããåèã«ããŠã¿ãŠãã ããã
é¢é£ãµã€ãïŒéèåºãæ°ããNISAã
3-2.iDeco
iDeCoãšã¯ãå ¬ç幎éãšã¯å¥ã«ã絊ä»ãåããããç§ç幎éå¶åºŠã®ã²ãšã€ã§ãã
å å ¥ã¯ä»»æãšãªã£ãŠããŠãèªåã§æ±ºããé¡ãç©ã¿ç«ãŠãŠéçšãã60æ³ä»¥éã«åãåãã幎éã®ããšã§ãã
æ¡ä»¶ã¯ãããã®ã®ãåœæ°å¹Žé第1å·è¢«ä¿éºè ã§ããèªå¶æ¥ã®æ¹ãã第3å·è¢«ä¿éºè ã§ããå°æ¥äž»å©Š/䞻倫ã®æ¹ãå å ¥ã§ããŸãã
æéãæ åºããéãéçšäžã¯çšéã¯é課çšã§ã絊ä»æãæ§é€ãåãããããããçšå¶é¢ã§ãåªéãããŠããå¶åºŠã§ãã
3-3.æè³ä¿¡èš
æè³ä¿¡èšãšã¯ãæè³å®¶ããéãããéãã²ãšã€ã®å€§ããªè³éãšããŠãŸãšããéçšã®å°é家ãæ ªåŒãåµåžãªã©ã«æè³ã»éçšããååã®ããšã§ãã
éçšã®å°é家ãéçšããææããæè³å®¶ããããã®æè³é¡ã«å¿ããŠåé ãããä»çµã¿ã®éèååãšãªã£ãŠããŸãã
æè³ä¿¡èšã®ã¡ãªããã¯ã以äžã®éãã§ãã
- æè³ã®å°é家ãéçšãã
- å°é¡ããæè³ãã§ãã
- åæ£æè³ã«ãã£ãŠãªã¹ã¯ãäœæžãã
ãšã¯ãããéè¡ã®é éãšç°ãªãæè³ä¿¡èšã¯å æ¬ãä¿èšŒãããŠããéèååã§ã¯ãªããããæãããå¯èœæ§ãããã®ã§ãæ éã«æ€èšããŸãããã
ãŸãšãïœçŸç¶ãèŠçŽããŠããèåŸè³éã貯ããã
ä»åã¯ãèåŸã«å¿ èŠã«ãªãè³éãšèåŸè³éã®è²¯ãæ¹ã玹ä»ããŸããã
çŠã£ãŠè²¯éãå§ããã®ã§ã¯ãªããçŸç¶è²¯èã«åããè³éã¯ããã®ããèŠçŽããåºè²»ããªãã確èªããããšã倧åã§ãã
ãŸãããèªèº«ã®å¹Žéœ¢ã幎åã家ææ§æãªã©ã«ãã£ãŠå¿ èŠãªèåŸè³éã¯ç°ãªããŸãã
èåŸè³éã®ã·ãã¥ã¬ãŒã·ã§ã³ããã©ã€ãã¹ããŒãžã«åã£ãè³éèšèšã®ããã«äžåºŠå°é家ã«çžè«ããŠã¿ãŠã¯ãããã§ããããã
ããŸãã¯æ°è»œã«ãéã®ããšãçžè«ããŠã¿ããïŒããšããæ¹ã«ãå§ããªã®ããMoneypediaã®ãªã³ã©ã€ã³FPçžè«ãµãŒãã¹ã§ãã
ä¿éºãã©ã€ããã©ã³ãã¯ãããšãããéã®ããšããã€ã§ãã»ã©ãã§ãã»æ°è»œã«ã»äœåºŠã§ãå°é家ã«çžè«ããããšãåºæ¥ãŸãã
ãŸãã¯äžåºŠããçžè«ãããŠã¿ãŠã¯ãããã§ããããã