{"id":1905,"date":"2026-06-04T16:15:53","date_gmt":"2026-06-04T07:15:53","guid":{"rendered":"https:\/\/www.kobayashiyoko.com\/knowledge\/?p=1905"},"modified":"2026-06-11T23:09:44","modified_gmt":"2026-06-11T14:09:44","slug":"savings-investment-balance","status":"publish","type":"post","link":"https:\/\/www.kobayashiyoko.com\/knowledge\/savings-investment-balance\/","title":{"rendered":"\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u6700\u9069\u306a\u5272\u5408\u306f\uff1f\u5bb6\u8a08\u72b6\u6cc1\u3084\u5e74\u4ee3\u306b\u5408\u308f\u305b\u305f\u8cc7\u7523\u914d\u5206\u306e\u8003\u3048\u65b9\u3092\u89e3\u8aac"},"content":{"rendered":"\n<p><b><span class=\"swl-inline-color has-swl-deep-01-color\">\u8caf\u91d1\u3068\u6295\u8cc7<\/span><\/b>\u306e\u30d0\u30e9\u30f3\u30b9\u306f\u3001\u8cc7\u7523\u5f62\u6210\u3092\u59cb\u3081\u308b\u3068\u304d\u306b\u591a\u304f\u306e\u4eba\u304c\u6700\u521d\u306b\u8ff7\u3044\u3084\u3059\u3044\u91cd\u8981\u306a\u5224\u65ad\u30dd\u30a4\u30f3\u30c8\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u8caf\u91d1\u3060\u3051\u3067\u306f\u5c06\u6765\u306e\u7269\u4fa1\u4e0a\u6607\u3084\u8001\u5f8c\u8cc7\u91d1\u306b\u5099\u3048\u306b\u304f\u3044\u4e00\u65b9\u3067\u3001\u6295\u8cc7\u306b\u504f\u308a\u3059\u304e\u308b\u3068\u6025\u306a\u51fa\u8cbb\u3084\u76f8\u5834\u4e0b\u843d\u306b\u5bfe\u5fdc\u3057\u306b\u304f\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7d50\u8ad6\u304b\u3089\u3044\u3046\u3068\u3001\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u6700\u9069\u306a\u5272\u5408\u306f\u3001\u5bb6\u8a08\u72b6\u6cc1\u3084\u5c06\u6765\u306e\u652f\u51fa\u4e88\u5b9a\u306b\u3088\u3063\u3066\u4eba\u305d\u308c\u305e\u308c\u7570\u306a\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"is-style-icon_info\"><b><span class=\"swl-marker mark_yellow\">\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u306f\u56fa\u5b9a\u306e\u6b63\u89e3\u3067\u306f\u306a\u304f\u3001\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u305f\u3046\u3048\u3067\u4f59\u5270\u8cc7\u91d1\u3092\u6295\u8cc7\u306b\u56de\u3059\u8003\u3048\u65b9\u304c\u57fa\u672c\u3067\u3059\u3002<\/span><\/b><\/p>\n\n\n\n<p>\u751f\u6d3b\u8cbb\u3001\u5bb6\u65cf\u69cb\u6210\u3001\u5e74\u9f62\u3001\u53ce\u5165\u306e\u5b89\u5b9a\u6027\u3001\u4f4f\u5b85\u8cfc\u5165\u3084\u6559\u80b2\u8cbb\u306a\u3069\u306e\u4e88\u5b9a\u306b\u3088\u3063\u3066\u3001\u7121\u7406\u306e\u306a\u3044\u914d\u5206\u306f\u5909\u308f\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u672c\u8a18\u4e8b\u3067\u306f\u3001\u4e00\u822c\u7684\u306a\u91d1\u878d\u8cc7\u7523\u306e\u4fdd\u6709\u72b6\u6cc1\u3092\u53c2\u8003\u306b\u3057\u306a\u304c\u3089\u3001\u8caf\u91d1\u3068\u6295\u8cc7\u306e\u5272\u5408\u3092\u6c7a\u3081\u308b\u8003\u3048\u65b9\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u3092\u59cb\u3081\u308b\u524d\u306b\u78ba\u4fdd\u3057\u3066\u304a\u304d\u305f\u3044\u8cc7\u91d1\u3084\u3001\u5e74\u4ee3\u5225\u30fb\u76ee\u7684\u5225\u306e\u8cc7\u7523\u914d\u5206\u306e\u898b\u76f4\u3057\u65b9\u3082\u7d39\u4ecb\u3059\u308b\u306e\u3067\u3001\u81ea\u5206\u306b\u5408\u3063\u305f\u30d0\u30e9\u30f3\u30b9\u3092\u8003\u3048\u308b\u6750\u6599\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-shadow\" data-colset=\"col3\"><div class=\"cap_box_ttl\"><span><b>\u3053\u306e\u8a18\u4e8b\u3067\u308f\u304b\u308b\u3053\u3068<\/b><\/span><\/div><div class=\"cap_box_content\">\n<ul class=\"wp-block-list is-style-check_list -list-under-dashed\">\n<li><a href=\"#investment-savings-ratio\">\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u4e00\u822c\u7684\u306a\u4fdd\u6709\u30d0\u30e9\u30f3\u30b9<\/a><\/li>\n\n\n\n<li><a href=\"#three-basic-patterns\">\u5bb6\u8a08\u306b\u5408\u308f\u305b\u305f3\u3064\u306e\u914d\u5206\u30d1\u30bf\u30fc\u30f3<\/a><\/li>\n\n\n\n<li><a href=\"#decide-own-ratio\">\u5e74\u4ee3\u3084\u76ee\u7684\u306b\u5408\u308f\u305b\u305f\u5272\u5408\u306e\u6c7a\u3081\u65b9<\/a><\/li>\n\n\n\n<li><a href=\"#rebalance-method\">\u8cc7\u7523\u914d\u5206\u3092\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3059\u65b9\u6cd5<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"investment-savings-ratio\">\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u306f\u3069\u306e\u304f\u3089\u3044\u304c\u4e00\u822c\u7684\uff1f<\/h2>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-shadow\"><div class=\"cap_box_ttl\"><span><b>\u3053\u306e\u7ae0\u306e\u30dd\u30a4\u30f3\u30c8<\/b><\/span><\/div><div class=\"cap_box_content\">\n<ul class=\"wp-block-list is-style-check_list -list-under-dashed\">\n<li><a href=\"#family-assets-balance\">\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u306e\u9810\u8caf\u91d1\u3068\u6709\u4fa1\u8a3c\u5238\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u78ba\u8a8d\u3059\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#single-assets-trend\">\u5358\u8eab\u4e16\u5e2f\u3067\u306f\u56fa\u5b9a\u8cbb\u3068\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306e\u628a\u63e1\u304c\u91cd\u8981\u306b\u306a\u308b<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u307e\u305a\u306f\u3001\u4e00\u822c\u7684\u306a\u5bb6\u5ead\u304c\u3069\u306e\u3088\u3046\u306a\u5272\u5408\u3067\u91d1\u878d\u8cc7\u7523\u3092\u4fdd\u6709\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u516c\u7684\u8abf\u67fb\u3092\u3082\u3068\u306b\u78ba\u8a8d\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u7d4c\u6e08\u6559\u80b2\u63a8\u9032\u6a5f\u69cb\uff08J-FLEC\uff09\u306e2025\u5e74\u8abf\u67fb\u3067\u306f\u3001\u91d1\u878d\u8cc7\u7523\u306e\u4fdd\u6709\u984d\u306f\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u3067<b>1,940\u4e07\u5186<\/b>\u3001\u5358\u8eab\u4e16\u5e2f\u3067<b>919\u4e07\u5186<\/b>\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u8abf\u67fb\u3067\u3044\u3046\u91d1\u878d\u8cc7\u7523\u306b\u306f\u3001\u5c06\u6765\u306b\u5099\u3048\u3066\u4fdd\u6709\u3059\u308b\u9810\u8caf\u91d1\u3001\u4fdd\u967a\u3001\u6709\u4fa1\u8a3c\u5238\u3001\u305d\u306e\u4ed6\u91d1\u878d\u5546\u54c1\u306a\u3069\u304c\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u65e5\u5e38\u7684\u306a\u5f15\u304d\u843d\u3068\u3057\u3084\u751f\u6d3b\u8cbb\u306e\u51fa\u3057\u5165\u308c\u306b\u4f7f\u3046\u9810\u8caf\u91d1\u306f\u542b\u307e\u308c\u305a\u3001\u5c06\u6765\u3084\u904b\u7528\u306e\u305f\u3081\u306b\u84c4\u3048\u3066\u3044\u308b\u90e8\u5206\u304c\u5bfe\u8c61\u3067\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular min_width20_ is-all-centered--ta\"><table style=\"font-size:14px;\"><thead style=\"--thead-color--bg:var(--color_main);--thead-color--txt:var(--swl-text_color--white)\"><tr><th>\u4e16\u5e2f\u533a\u5206<\/th><th>\u91d1\u878d\u8cc7\u7523\u306e\u4fdd\u6709\u984d<\/th><th>\u9810\u8caf\u91d1<\/th><th>\u4fdd\u967a<\/th><th>\u6709\u4fa1\u8a3c\u5238<\/th><th>\u305d\u306e\u4ed6\u91d1\u878d\u5546\u54c1<\/th><\/tr><\/thead><tbody style=\"--tbody-th-color--bg:var(--color_main_thin);--tbody-th-color--txt:var(--swl-text_color--black)\"><tr><th><b>\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f<\/b><\/th><td>1,940\u4e07\u5186<\/td><td>745\u4e07\u5186<\/td><td>364\u4e07\u5186<\/td><td>727\u4e07\u5186<\/td><td>102\u4e07\u5186<\/td><\/tr><tr><th><b>\u5358\u8eab\u4e16\u5e2f<\/b><\/th><td>919\u4e07\u5186<\/td><td>373\u4e07\u5186<\/td><td>158\u4e07\u5186<\/td><td>349\u4e07\u5186<\/td><td>38\u4e07\u5186<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u51fa\u5178\uff1a\u91d1\u878d\u7d4c\u6e08\u6559\u80b2\u63a8\u9032\u6a5f\u69cb\u300c\u5bb6\u8a08\u306e\u91d1\u878d\u884c\u52d5\u306b\u95a2\u3059\u308b\u4e16\u8ad6\u8abf\u67fb\uff082025\u5e74\uff09\u300d\u3092\u3082\u3068\u306b\u4f5c\u6210<\/figcaption><\/figure>\n\n\n\n<p>\u3053\u306e\u30c7\u30fc\u30bf\u3092\u898b\u308b\u3068\u3001\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u3082\u5358\u8eab\u4e16\u5e2f\u3082\u3001<b><span class=\"swl-marker mark_yellow\">\u9810\u8caf\u91d1\u3068\u6709\u4fa1\u8a3c\u5238<\/span><\/b>\u304c\u91d1\u878d\u8cc7\u7523\u306e\u4e2d\u3067\u5927\u304d\u306a\u5272\u5408\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3064\u307e\u308a\u3001\u8caf\u91d1\u3060\u3051\u3001\u6295\u8cc7\u3060\u3051\u306b\u504f\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u4e00\u5b9a\u306e\u73fe\u91d1\u3092\u6301\u3061\u306a\u304c\u3089\u6295\u8cc7\u5546\u54c1\u3082\u4fdd\u6709\u3059\u308b\u4e16\u5e2f\u304c\u591a\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"family-assets-balance\">\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u306b\u304a\u3051\u308b\u9810\u8caf\u91d1\u30fb\u6295\u8cc7\u5546\u54c1\u306e\u4fdd\u6709\u30d0\u30e9\u30f3\u30b9<\/h3>\n\n\n\n<p>\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u3067\u306f\u3001\u91d1\u878d\u8cc7\u75231,940\u4e07\u5186\u306e\u3046\u3061\u3001\u9810\u8caf\u91d1\u304c745\u4e07\u5186\u3001\u6709\u4fa1\u8a3c\u5238\u304c727\u4e07\u5186\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u91d1\u984d\u3060\u3051\u3067\u898b\u308b\u3068\u3001\u73fe\u91d1\u6027\u306e\u9ad8\u3044\u9810\u8caf\u91d1\u3068\u5024\u52d5\u304d\u306e\u3042\u308b\u6709\u4fa1\u8a3c\u5238\u304c\u307b\u307c\u540c\u3058\u6c34\u6e96\u306b\u306a\u3063\u3066\u3044\u308b\u70b9\u3082\u7279\u5fb4\u306e\u4e00\u3064\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u5bb6\u65cf\u304c\u3044\u308b\u4e16\u5e2f\u3067\u306f\u3001\u6559\u80b2\u8cbb\u3001\u4f4f\u5b85\u8cbb\u3001\u8eca\u306e\u8cb7\u3044\u66ff\u3048\u3001\u75c5\u6c17\u3084\u8ee2\u8077\u3078\u306e\u5099\u3048\u306a\u3069\u3001\u307e\u3068\u307e\u3063\u305f\u652f\u51fa\u304c\u767a\u751f\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u306e\u305f\u3081\u3001<b><span class=\"swl-inline-color has-swl-deep-01-color\">\u751f\u6d3b\u9632\u885b\u8cc7\u91d1<\/span><\/b>\u3068\u3057\u3066\u306e\u8caf\u91d1\u3092\u78ba\u4fdd\u3057\u3064\u3064\u3001\u4f7f\u3046\u6642\u671f\u304c\u307e\u3060\u5148\u306e\u8cc7\u91d1\u306b\u3064\u3044\u3066\u306f\u6295\u8cc7\u306b\u56de\u3059\u8003\u3048\u65b9\u304c\u73fe\u5b9f\u7684\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u7279\u306b\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u3084\u4f4f\u5b85\u8cfc\u5165\u8cc7\u91d1\u306a\u3069\u3001\u4f7f\u3046\u6642\u671f\u304c\u6c7a\u307e\u3063\u3066\u3044\u308b\u304a\u91d1\u306f\u3001\u6295\u8cc7\u306b\u56de\u3057\u3059\u304e\u306a\u3044\u3088\u3046\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u6570\u5e74\u4ee5\u5185\u306b\u4f7f\u3046\u4e88\u5b9a\u304c\u3042\u308b\u304a\u91d1\u306f\u3001\u5024\u52d5\u304d\u306e\u3042\u308b\u5546\u54c1\u3067\u306f\u306a\u304f\u3001\u9810\u8caf\u91d1\u306a\u3069\u5b89\u5168\u6027\u3068\u6d41\u52d5\u6027\u3092\u512a\u5148\u3057\u305f\u7ba1\u7406\u304c\u5411\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"single-assets-trend\">\u5358\u8eab\u4e16\u5e2f\u306b\u304a\u3051\u308b\u91d1\u878d\u8cc7\u7523\u306e\u5185\u8a33\u3068\u50be\u5411<\/h3>\n\n\n\n<p>\u5358\u8eab\u4e16\u5e2f\u3067\u306f\u3001\u91d1\u878d\u8cc7\u7523919\u4e07\u5186\u306e\u3046\u3061\u3001\u9810\u8caf\u91d1\u304c373\u4e07\u5186\u3001\u6709\u4fa1\u8a3c\u5238\u304c349\u4e07\u5186\u3092\u5360\u3081\u3066\u3044\u308b\u72b6\u6cc1\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u3061\u3089\u3082\u9810\u8caf\u91d1\u3068\u6709\u4fa1\u8a3c\u5238\u306e\u91d1\u984d\u304c\u8fd1\u304f\u3001\u8cc7\u7523\u5f62\u6210\u306b\u6295\u8cc7\u3092\u53d6\u308a\u5165\u308c\u3066\u3044\u308b\u4eba\u304c\u4e00\u5b9a\u6570\u3044\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5358\u8eab\u4e16\u5e2f\u306f\u5bb6\u65cf\u69cb\u6210\u304c\u30b7\u30f3\u30d7\u30eb\u306a\u5206\u3001\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u3084\u5c06\u6765\u306e\u5927\u304d\u306a\u652f\u51fa\u3092\u6bd4\u8f03\u7684\u898b\u901a\u3057\u3084\u3059\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067\u3001\u75c5\u6c17\u3084\u5931\u696d\u306a\u3069\u304c\u8d77\u304d\u305f\u3068\u304d\u306b\u5bb6\u8a08\u3092\u652f\u3048\u308b\u4eba\u304c\u81ea\u5206\u3060\u3051\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u591a\u3044\u305f\u3081\u3001\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306f\u8efd\u8996\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u4f59\u5270\u8cc7\u91d1\u3092\u6295\u8cc7\u306b\u56de\u3059\u5834\u5408\u3067\u3082\u3001\u307e\u305a\u306f\u5bb6\u8cc3\u3001\u98df\u8cbb\u3001\u901a\u4fe1\u8cbb\u3001\u4fdd\u967a\u6599\u306a\u3069\u306e\u56fa\u5b9a\u8cbb\u3092\u628a\u63e1\u3057\u3001\u4e00\u5b9a\u671f\u9593\u50cd\u3051\u306a\u304f\u306a\u3063\u3066\u3082\u751f\u6d3b\u3067\u304d\u308b\u73fe\u91d1\u3092\u78ba\u4fdd\u3057\u3066\u304b\u3089\u59cb\u3081\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"three-basic-patterns\">\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u3092\u6c7a\u3081\u308b3\u3064\u306e\u57fa\u672c\u30d1\u30bf\u30fc\u30f3<\/h2>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-shadow\"><div class=\"cap_box_ttl\"><span><b>3\u3064\u306e\u57fa\u672c\u30d1\u30bf\u30fc\u30f3<\/b><\/span><\/div><div class=\"cap_box_content\">\n<ul class=\"wp-block-list is-style-check_list -list-under-dashed\">\n<li><a href=\"#balanced-investment-type\">\u5b89\u5b9a\u904b\u7528\u30bf\u30a4\u30d7\uff1a\u8caf\u91d1\u3068\u6295\u8cc7\u3092\u30d0\u30e9\u30f3\u30b9\u3088\u304f\u6301\u3064<\/a><\/li>\n\n\n\n<li><a href=\"#safety-focused-type\">\u5b89\u5168\u91cd\u8996\u30bf\u30a4\u30d7\uff1a\u5143\u672c\u5272\u308c\u30ea\u30b9\u30af\u3092\u6291\u3048\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#growth-focused-type\">\u7a4d\u6975\u904b\u7528\u30bf\u30a4\u30d7\uff1a\u5c06\u6765\u306e\u8cc7\u7523\u5f62\u6210\u3092\u91cd\u8996\u3059\u308b<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u306b\u7d76\u5bfe\u7684\u306a\u6b63\u89e3\u306f\u306a\u304f\u3001\u53ce\u5165\u3084\u652f\u51fa\u306b\u5408\u308f\u305b\u3066<b><span class=\"swl-marker mark_yellow\">\u7121\u7406\u306a\u304f\u7d9a\u3051\u3089\u308c\u308b\u914d\u5206<\/span><\/b>\u3092\u8003\u3048\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u5bb6\u8a08\u72b6\u6cc1\u3084\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u5fdc\u3058\u3066\u3001\u5272\u5408\u306e\u8003\u3048\u65b9\u306f\u3044\u304f\u3064\u304b\u306e\u5b9f\u8df5\u7684\u306a\u30d1\u30bf\u30fc\u30f3\u3068\u3057\u3066\u6574\u7406\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u3053\u3067\u306f\u3001\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u914d\u5206\u3092\u8003\u3048\u308b\u3046\u3048\u3067\u53c2\u8003\u306b\u3057\u3084\u3059\u3044\u3001\u4ee3\u8868\u7684\u306a3\u3064\u306e\u30bf\u30a4\u30d7\u3068\u7279\u5fb4\u3092\u9806\u756a\u306b\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u81ea\u5206\u306e\u5bb6\u8a08\u306b\u8fd1\u3044\u30bf\u30a4\u30d7\u3092\u51fa\u767a\u70b9\u306b\u3057\u3066\u3001\u53ce\u5165\u3084\u652f\u51fa\u306e\u5909\u5316\u306b\u5408\u308f\u305b\u3066\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u8abf\u6574\u3059\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"balanced-investment-type\">\u8caf\u91d1\u3068\u6295\u8cc7\u3092\u30d0\u30e9\u30f3\u30b9\u3088\u304f\u6301\u3064\u300c\u5b89\u5b9a\u904b\u7528\u30bf\u30a4\u30d7\u300d<\/h3>\n\n\n\n<p>\u5b89\u5b9a\u904b\u7528\u30bf\u30a4\u30d7\u306f\u3001\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u305f\u3046\u3048\u3067\u3001\u6bce\u6708\u306e\u4f59\u5270\u8cc7\u91d1\u3092\u5c11\u3057\u305a\u3064\u6295\u8cc7\u306b\u56de\u3059\u73fe\u5b9f\u7684\u306a\u8003\u3048\u65b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u8caf\u91d1\u3068\u6295\u8cc7\u306e\u3069\u3061\u3089\u304b\u306b\u504f\u308a\u3059\u304e\u305a\u3001\u5bb6\u8a08\u306e\u5b89\u5b9a\u6027\u3068\u5c06\u6765\u306e\u8cc7\u7523\u5f62\u6210\u3092\u4e21\u7acb\u3057\u3084\u3059\u3044\u70b9\u304c\u5927\u304d\u306a\u7279\u5fb4\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3001\u751f\u6d3b\u8cbb\u306e6\u304b\u6708\u304b\u30891\u5e74\u5206\u3092\u9810\u8caf\u91d1\u3067\u78ba\u4fdd\u3057\u3001\u305d\u308c\u3092\u8d85\u3048\u308b\u8cc7\u91d1\u3084\u6bce\u6708\u306e\u4f59\u5270\u8cc7\u91d1\u3092\u6295\u8cc7\u4fe1\u8a17\u306a\u3069\u3067\u7a4d\u307f\u7acb\u3066\u308b\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u984d\u3092\u4e00\u5ea6\u306b\u5927\u304d\u304f\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u6bce\u6708\u4e00\u5b9a\u984d\u3092\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u3067\u3001\u76f8\u5834\u306e\u4e0a\u3052\u4e0b\u3052\u306b\u4e00\u559c\u4e00\u6182\u3057\u306b\u304f\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u5e81\u3082\u3001\u8cc7\u7523\u5f62\u6210\u3067\u306f<b><span class=\"swl-inline-color has-swl-deep-01-color\">\u9577\u671f\u30fb\u7a4d\u7acb\u30fb\u5206\u6563\u6295\u8cc7<\/span><\/b>\u3092\u57fa\u672c\u306b\u3059\u308b\u8003\u3048\u65b9\u3092\u3001\u516c\u5f0f\u60c5\u5831\u306e\u4e2d\u3067\u5206\u304b\u308a\u3084\u3059\u304f\u7d39\u4ecb\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u306b\u306f\u5143\u672c\u5272\u308c\u306e\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u6295\u8cc7\u671f\u9593\u3084\u6295\u8cc7\u5bfe\u8c61\u3001\u8cfc\u5165\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u5206\u6563\u3059\u308b\u3053\u3068\u3067\u3001\u5024\u52d5\u304d\u3068\u4ed8\u304d\u5408\u3044\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"safety-focused-type\">\u5143\u672c\u5272\u308c\u30ea\u30b9\u30af\u3092\u6291\u3048\u305f\u3044\u4eba\u5411\u3051\u306e\u300c\u5b89\u5168\u91cd\u8996\u30bf\u30a4\u30d7\u300d<\/h3>\n\n\n\n<p>\u5b89\u5168\u91cd\u8996\u30bf\u30a4\u30d7\u306f\u3001\u5024\u52d5\u304d\u306e\u3042\u308b\u6295\u8cc7\u3088\u308a\u3082\u3001<b><span class=\"swl-marker mark_yellow\">\u3059\u3050\u4f7f\u3048\u308b\u8caf\u91d1\u306e\u5272\u5408<\/span><\/b>\u3092\u9ad8\u3081\u306b\u3059\u308b\u5805\u5b9f\u306a\u8003\u3048\u65b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u8fd1\u3044\u3046\u3061\u306b\u5927\u304d\u306a\u652f\u51fa\u304c\u3042\u308b\u4eba\u3084\u53ce\u5165\u304c\u4e0d\u5b89\u5b9a\u306a\u4eba\u3001\u76f8\u5834\u306e\u5024\u52d5\u304d\u306b\u5f37\u3044\u4e0d\u5b89\u3092\u611f\u3058\u308b\u4eba\u306b\u7279\u306b\u5411\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u30bf\u30a4\u30d7\u3067\u306f\u3001\u6295\u8cc7\u984d\u3092\u5897\u3084\u3059\u524d\u306b\u3001\u307e\u305a\u9810\u8caf\u91d1\u3067\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u3092\u539a\u3081\u306b\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u76ee\u5b89\u3068\u3057\u3066\u306f\u3001\u4f1a\u793e\u54e1\u306a\u3089\u751f\u6d3b\u8cbb\u306e6\u304b\u6708\u304b\u30891\u5e74\u5206\u3001\u81ea\u55b6\u696d\u3084\u30d5\u30ea\u30fc\u30e9\u30f3\u30b9\u306a\u3069\u53ce\u5165\u5909\u52d5\u304c\u5927\u304d\u3044\u4eba\u306f1\u5e74\u5206\u4ee5\u4e0a\u3092\u8003\u3048\u3066\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u5b89\u5168\u6027\u3092\u91cd\u8996\u3059\u308b\u5834\u5408\u3067\u3082\u3001\u3059\u3079\u3066\u3092\u9810\u8caf\u91d1\u3060\u3051\u3067\u6301\u3064\u3068\u3001\u9577\u671f\u7684\u306b\u306f\u7269\u4fa1\u4e0a\u6607\u306b\u3088\u3063\u3066\u304a\u91d1\u306e\u5b9f\u8cea\u7684\u306a\u4fa1\u5024\u304c\u76ee\u6e1b\u308a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5c11\u984d\u304b\u3089\u3067\u3082\u7a4d\u7acb\u6295\u8cc7\u3092\u53d6\u308a\u5165\u308c\u3001\u5024\u52d5\u304d\u306b\u6163\u308c\u306a\u304c\u3089\u5c11\u3057\u305a\u3064\u6295\u8cc7\u6bd4\u7387\u3092\u8abf\u6574\u3059\u308b\u65b9\u6cd5\u3082\u9078\u629e\u80a2\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"growth-focused-type\">\u5c06\u6765\u306e\u8cc7\u7523\u5f62\u6210\u3092\u91cd\u8996\u3059\u308b\u300c\u7a4d\u6975\u904b\u7528\u30bf\u30a4\u30d7\u300d<\/h3>\n\n\n\n<p>\u7a4d\u6975\u904b\u7528\u30bf\u30a4\u30d7\u306f\u3001<b><span class=\"swl-inline-color has-swl-deep-01-color\">\u9577\u671f\u7684\u306a\u8cc7\u7523\u5f62\u6210<\/span><\/b>\u3092\u91cd\u8996\u3057\u3001\u4f59\u5270\u8cc7\u91d1\u306e\u4e2d\u3067\u6295\u8cc7\u306b\u56de\u3059\u5272\u5408\u3092\u9ad8\u3081\u306b\u3059\u308b\u653b\u3081\u306e\u8003\u3048\u65b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u82e5\u304f\u3066\u6295\u8cc7\u671f\u9593\u3092\u9577\u304f\u53d6\u308c\u308b\u4eba\u3084\u53ce\u5165\u304c\u5b89\u5b9a\u3057\u3066\u3044\u308b\u4eba\u3001\u5f53\u9762\u5927\u304d\u306a\u652f\u51fa\u4e88\u5b9a\u304c\u5c11\u306a\u3044\u4eba\u306b\u7279\u306b\u5411\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3001\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u305f\u3046\u3048\u3067\u3001\u6bce\u6708\u306e\u4f59\u5270\u8cc7\u91d1\u306e\u534a\u5206\u4ee5\u4e0a\u3092\u6295\u8cc7\u306b\u56de\u3059\u8003\u3048\u65b9\u3082\u73fe\u5b9f\u7684\u306a\u9078\u629e\u80a2\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u671f\u9593\u3092\u9577\u304f\u53d6\u308c\u308b\u307b\u3069\u3001\u77ed\u671f\u7684\u306a\u5024\u4e0b\u304c\u308a\u304c\u8d77\u304d\u3066\u3082\u3001\u56de\u5fa9\u3092\u5f85\u3064\u6642\u9593\u3092\u78ba\u4fdd\u3057\u3084\u3059\u3044\u70b9\u304c\u5927\u304d\u306a\u5229\u70b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u7a4d\u6975\u904b\u7528\u30bf\u30a4\u30d7\u3067\u3082\u3001\u751f\u6d3b\u8cbb\u3084\u8fd1\u3044\u5c06\u6765\u306b\u4f7f\u3046\u4e88\u5b9a\u306e\u8cc7\u91d1\u307e\u3067\u6295\u8cc7\u306b\u56de\u3055\u306a\u3044\u610f\u8b58\u304c\u3068\u3066\u3082\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u76f8\u5834\u304c\u4e0b\u843d\u3057\u305f\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u304a\u91d1\u304c\u5fc5\u8981\u306b\u306a\u308b\u3068\u3001\u640d\u5931\u3092\u62b1\u3048\u305f\u307e\u307e\u6295\u8cc7\u5546\u54c1\u3092\u58f2\u5374\u305b\u3056\u308b\u3092\u5f97\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"decide-own-ratio\">\u81ea\u5206\u306b\u5408\u3046\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u3092\u6c7a\u3081\u308b\u30dd\u30a4\u30f3\u30c8<\/h2>\n\n\n\n<div class=\"swell-block-capbox cap_box is-style-shadow\"><div class=\"cap_box_ttl\"><span><b>\u5272\u5408\u3092\u6c7a\u3081\u308b\u3068\u304d\u306e\u78ba\u8a8d\u9805\u76ee<\/b><\/span><\/div><div class=\"cap_box_content\">\n<ul class=\"wp-block-list is-style-check_list -list-under-dashed\">\n<li><a href=\"#emergency-fund-first\">\u751f\u6d3b\u8cbb\u3068\u7dca\u6025\u8cc7\u91d1\u3092\u5148\u306b\u78ba\u4fdd\u3059\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#life-event-allocation\">\u5e74\u4ee3\u3084\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u306b\u5fdc\u3058\u3066\u914d\u5206\u3092\u5909\u3048\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#age-investment-ratio\">\u5e74\u4ee3\u5225\u306b\u6295\u8cc7\u6bd4\u7387\u306e\u8003\u3048\u65b9\u3092\u6574\u7406\u3059\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#purpose-based-money\">\u6559\u80b2\u8cc7\u91d1\u3084\u4f4f\u5b85\u8cfc\u5165\u306a\u3069\u76ee\u7684\u5225\u306b\u5206\u3051\u308b<\/a><\/li>\n\n\n\n<li><a href=\"#review-asset-allocation\">\u8cc7\u7523\u914d\u5206\u3092\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3059<\/a><\/li>\n\n\n\n<li><a href=\"#rebalance-method\">\u30ea\u30d0\u30e9\u30f3\u30b9\u3067\u5d29\u308c\u305f\u5272\u5408\u3092\u6574\u3048\u308b<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u3053\u3053\u304b\u3089\u306f\u3001\u5b9f\u969b\u306b\u81ea\u5206\u306e\u5bb6\u8a08\u306b\u5408\u3063\u305f\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u3092\u6c7a\u3081\u308b\u305f\u3081\u306e\u30dd\u30a4\u30f3\u30c8\u3092\u521d\u5fc3\u8005\u306b\u3082\u5206\u304b\u308a\u3084\u3059\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u91cd\u8981\u306a\u306e\u306f\u3001\u4ed6\u4eba\u306e\u5272\u5408\u3092\u305d\u306e\u307e\u307e\u771f\u4f3c\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001<b><span class=\"swl-marker mark_yellow\">\u81ea\u5206\u306e\u76ee\u7684\u3084\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6<\/span><\/b>\u306b\u5408\u308f\u305b\u3066\u8003\u3048\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"emergency-fund-first\">\u307e\u305a\u306f\u751f\u6d3b\u8cbb\u30fb\u7dca\u6025\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u3066\u304b\u3089\u6295\u8cc7\u984d\u3092\u8003\u3048\u308b<\/h3>\n\n\n\n<p>\u6295\u8cc7\u3092\u59cb\u3081\u308b\u524d\u306b\u3001\u307e\u305a\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u3068\u6025\u306a\u652f\u51fa\u306b\u5099\u3048\u308b\u7dca\u6025\u8cc7\u91d1\u3092\u3057\u3063\u304b\u308a\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u6700\u521d\u306e\u30b9\u30c6\u30c3\u30d7\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u75c5\u6c17\u3084\u3051\u304c\u3001\u8ee2\u8077\u3001\u5bb6\u96fb\u306e\u6545\u969c\u3001\u51a0\u5a5a\u846c\u796d\u306a\u3069\u3001\u6025\u306a\u652f\u51fa\u306f\u3044\u3064\u767a\u751f\u3059\u308b\u304b\u5206\u304b\u3089\u306a\u3044\u305f\u3081\u4e8b\u524d\u306e\u5099\u3048\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306e\u76ee\u5b89\u306f\u3001\u4f1a\u793e\u54e1\u3067\u3042\u308c\u3070<b>\u751f\u6d3b\u8cbb\u306e6\u304b\u6708\u5206<\/b>\u3001\u81ea\u55b6\u696d\u3084\u30d5\u30ea\u30fc\u30e9\u30f3\u30b9\u3067\u3042\u308c\u3070<b>1\u5e74\u5206\u7a0b\u5ea6<\/b>\u3092\u8003\u3048\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u5bb6\u65cf\u304c\u3044\u308b\u5834\u5408\u3084\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u62b1\u3048\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u6025\u306a\u652f\u51fa\u306b\u5099\u3048\u3066\u3055\u3089\u306b\u4f59\u88d5\u3092\u6301\u305f\u305b\u308b\u3068\u5bb6\u8a08\u7ba1\u7406\u304c\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306f\u3001\u5fc5\u8981\u306a\u3068\u304d\u306b\u3059\u3050\u5f15\u304d\u51fa\u305b\u308b\u666e\u901a\u9810\u91d1\u3084\u5b9a\u671f\u9810\u91d1\u306a\u3069\u3067\u7ba1\u7406\u3057\u3001\u5b89\u5168\u6027\u3092\u91cd\u8996\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u5546\u54c1\u306f\u4fa1\u683c\u304c\u5909\u52d5\u3059\u308b\u305f\u3081\u3001\u7dca\u6025\u6642\u306b\u5fc5\u305a\u5fc5\u8981\u306b\u306a\u308b\u304a\u91d1\u306e\u7f6e\u304d\u5834\u6240\u3068\u3057\u3066\u306f\u57fa\u672c\u7684\u306b\u5411\u3044\u3066\u3044\u306a\u3044\u70b9\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"life-event-allocation\">\u5e74\u4ee3\u3084\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u306b\u5fdc\u3058\u3066\u8cc7\u7523\u914d\u5206\u3092\u5909\u3048\u308b<\/h3>\n\n\n\n<p>\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u306f\u3001\u73fe\u5728\u306e\u5e74\u9f62\u3084\u3053\u308c\u304b\u3089\u4e88\u5b9a\u3057\u3066\u3044\u308b\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u306b\u3088\u3063\u3066\u5927\u304d\u304f\u5909\u308f\u308b\u305f\u3081\u3001\u5b9a\u671f\u7684\u306a\u898b\u76f4\u3057\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u72ec\u8eab\u306e20\u4ee3\u3068\u3001\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u304c\u304b\u304b\u308b40\u4ee3\u3001\u9000\u8077\u304c\u8fd1\u304450\u4ee3\u4ee5\u964d\u3067\u306f\u3001\u5fc5\u8981\u306a\u73fe\u91d1\u306e\u91cf\u3082\u6295\u8cc7\u306b\u53d6\u308c\u308b\u30ea\u30b9\u30af\u3082\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u82e5\u3044\u6642\u671f\u306f\u6295\u8cc7\u671f\u9593\u3092\u9577\u304f\u53d6\u308a\u3084\u3059\u3044\u305f\u3081\u3001\u4f59\u5270\u8cc7\u91d1\u306e\u4e00\u90e8\u3092\u7a4d\u6975\u7684\u306b\u6295\u8cc7\u3078\u56de\u3057\u3084\u3059\u3044\u50be\u5411\u304c\u3042\u308b\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067\u3001\u4f4f\u5b85\u8cfc\u5165\u3001\u51fa\u7523\u3001\u6559\u80b2\u8cbb\u3001\u4ecb\u8b77\u3001\u9000\u8077\u306a\u3069\u306e\u30a4\u30d9\u30f3\u30c8\u304c\u8fd1\u3065\u304f\u307b\u3069\u3001<b><span class=\"swl-marker mark_yellow\">\u4f7f\u3046\u4e88\u5b9a\u306e\u3042\u308b\u304a\u91d1<\/span><\/b>\u306f\u8caf\u91d1\u4e2d\u5fc3\u3067\u7ba1\u7406\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"age-investment-ratio\">20\u4ee3\u30fb30\u4ee3\u30fb40\u4ee3\u30fb50\u4ee3\u4ee5\u964d\u3067\u5909\u308f\u308b\u6295\u8cc7\u6bd4\u7387\u306e\u8003\u3048\u65b9<\/h3>\n\n\n\n<p>20\u4ee3\u306f\u6295\u8cc7\u671f\u9593\u3092\u9577\u304f\u53d6\u308a\u3084\u3059\u304f\u3001\u5c11\u984d\u304b\u3089\u6295\u8cc7\u7d4c\u9a13\u3092\u7a4d\u307f\u306a\u304c\u3089\u5c06\u6765\u306b\u5411\u3051\u305f\u8cc7\u7523\u5f62\u6210\u3092\u59cb\u3081\u3084\u3059\u3044\u6bb5\u968e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305a\u306f\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u3092\u4f5c\u308a\u306a\u304c\u3089\u3001\u5bb6\u8a08\u306b\u8ca0\u62c5\u304c\u51fa\u306a\u3044\u7121\u7406\u306e\u306a\u3044\u7a4d\u7acb\u984d\u3067\u6295\u8cc7\u3092\u59cb\u3081\u308b\u306e\u304c\u73fe\u5b9f\u7684\u306a\u9032\u3081\u65b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>30\u4ee3\u306f\u53ce\u5165\u304c\u5897\u3048\u308b\u4e00\u65b9\u3067\u3001\u7d50\u5a5a\u3084\u4f4f\u5b85\u8cfc\u5165\u3001\u51fa\u7523\u306a\u3069\u3001\u307e\u3068\u307e\u3063\u305f\u652f\u51fa\u3082\u5897\u3048\u3084\u3059\u3044\u30e9\u30a4\u30d5\u30b9\u30c6\u30fc\u30b8\u3067\u3059\u3002<\/p>\n\n\n\n<p><b><span class=\"swl-marker mark_yellow\">\u5c06\u6765\u4f7f\u3046\u4e88\u5b9a\u304c\u3042\u308b\u304a\u91d1<\/span><\/b>\u3068\u3001\u8001\u5f8c\u3084\u9577\u671f\u306e\u8cc7\u7523\u5f62\u6210\u306b\u4f7f\u3046\u304a\u91d1\u3092\u5206\u3051\u3066\u8003\u3048\u308b\u3053\u3068\u304c\u8cc7\u7523\u7ba1\u7406\u306e\u57fa\u672c\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>40\u4ee3\u306f\u3001\u5b50\u3069\u3082\u306e\u6559\u80b2\u8cbb\u3084\u4f4f\u5b85\u30ed\u30fc\u30f3\u306a\u3069\u306b\u3088\u3063\u3066\u3001\u5bb6\u8a08\u5168\u4f53\u306e\u8ca0\u62c5\u304c\u5927\u304d\u304f\u306a\u308a\u3084\u3059\u3044\u5927\u5207\u306a\u6642\u671f\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6295\u8cc7\u3092\u7d99\u7d9a\u3057\u306a\u304c\u3089\u3082\u3001\u6570\u5e74\u4ee5\u5185\u306b\u5fc5\u8981\u306a\u8cc7\u91d1\u306f\u8caf\u91d1\u3067\u78ba\u4fdd\u3057\u3001\u5bb6\u8a08\u5168\u4f53\u306e\u4f59\u529b\u78ba\u8a8d\u3092\u5b9a\u671f\u7684\u306b\u884c\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>50\u4ee3\u4ee5\u964d\u306f\u9000\u8077\u5f8c\u306e\u751f\u6d3b\u304c\u8fd1\u3065\u304f\u305f\u3081\u3001\u6295\u8cc7\u6bd4\u7387\u3092\u9ad8\u3081\u3059\u304e\u305a\u3001\u4f7f\u3046\u6642\u671f\u3092\u610f\u8b58\u3057\u305f\u8cc7\u7523\u7ba1\u7406\u304c\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u8001\u5f8c\u8cc7\u91d1\u3092\u53d6\u308a\u5d29\u3059\u6642\u671f\u306b\u5927\u304d\u306a\u76f8\u5834\u4e0b\u843d\u304c\u8d77\u304d\u3066\u3082\u751f\u6d3b\u306b\u652f\u969c\u304c\u51fa\u306a\u3044\u3088\u3046\u3001\u9810\u8caf\u91d1\u3084\u5b89\u5b9a\u6027\u306e\u9ad8\u3044\u8cc7\u7523\u306e\u6bd4\u7387\u3092\u5c11\u3057\u305a\u3064\u9ad8\u3081\u308b\u8003\u3048\u65b9\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"purpose-based-money\">\u6559\u80b2\u8cc7\u91d1\u30fb\u4f4f\u5b85\u8cfc\u5165\u30fb\u8001\u5f8c\u8cc7\u91d1\u306a\u3069\u76ee\u7684\u5225\u306b\u5206\u3051\u3066\u8003\u3048\u308b<\/h3>\n\n\n\n<p>\u8caf\u91d1\u3068\u6295\u8cc7\u306e\u5272\u5408\u3092\u8003\u3048\u308b\u3068\u304d\u306f\u3001\u304a\u91d1\u3092\u76ee\u7684\u5225\u306b\u5206\u3051\u3066\u7ba1\u7406\u3059\u308b\u3068\u3001\u5fc5\u8981\u306a\u914d\u5206\u3092\u5224\u65ad\u3057\u3084\u3059\u304f\u306a\u308b\u70b9\u304c\u5229\u70b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3059\u3079\u3066\u306e\u304a\u91d1\u3092\u4e00\u3064\u306e\u8ca1\u5e03\u3067\u8003\u3048\u308b\u3068\u3001\u6295\u8cc7\u3057\u3066\u3088\u3044\u304a\u91d1\u3068\u6b8b\u3057\u3066\u304a\u304f\u3079\u304d\u304a\u91d1\u306e\u533a\u5225\u304c\u66d6\u6627\u306b\u306a\u308a\u3084\u3059\u3044\u305f\u3081\u3067\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-check_list -list-under-dashed\">\n<li>\u65e5\u5e38\u751f\u6d3b\u8cbb\uff1a\u666e\u901a\u9810\u91d1\u306a\u3069\u3067\u7ba1\u7406\u3059\u308b<\/li>\n\n\n\n<li>\u7dca\u6025\u8cc7\u91d1\uff1a\u3059\u3050\u5f15\u304d\u51fa\u305b\u308b\u9810\u8caf\u91d1\u3067\u78ba\u4fdd\u3059\u308b<\/li>\n\n\n\n<li>\u6570\u5e74\u4ee5\u5185\u306b\u4f7f\u3046\u8cc7\u91d1\uff1a\u5143\u672c\u5272\u308c\u3057\u306b\u304f\u3044\u65b9\u6cd5\u3067\u7ba1\u7406\u3059\u308b<\/li>\n\n\n\n<li>10\u5e74\u4ee5\u4e0a\u5148\u306b\u4f7f\u3046\u8cc7\u91d1\uff1a\u6295\u8cc7\u3082\u9078\u629e\u80a2\u306b\u5165\u308c\u308b<\/li>\n<\/ul>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u30013\u5e74\u5f8c\u306e\u4f4f\u5b85\u8cfc\u5165\u8cc7\u91d1\u3092\u682a\u5f0f\u6295\u8cc7\u306b\u56de\u3059\u3068\u3001\u5fc5\u8981\u306a\u6642\u671f\u306b\u76f8\u5834\u304c\u4e0b\u843d\u3057\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u70b9\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067\u300120\u5e74\u4ee5\u4e0a\u5148\u306b\u4f7f\u3046\u8001\u5f8c\u8cc7\u91d1\u3067\u3042\u308c\u3070\u3001\u5024\u52d5\u304d\u3092\u53d7\u3051\u5165\u308c\u306a\u304c\u3089\u9577\u671f\u6295\u8cc7\u3092\u53d6\u308a\u5165\u308c\u308b\u4f59\u5730\u304c\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"review-asset-allocation\">\u8cc7\u7523\u914d\u5206\u306f\u4e00\u5ea6\u6c7a\u3081\u305f\u3089\u7d42\u308f\u308a\u3067\u306f\u306a\u304f\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3059<\/h3>\n\n\n\n<p>\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u5272\u5408\u306f\u3001\u4e00\u5ea6\u6c7a\u3081\u305f\u3089\u7d42\u308f\u308a\u3067\u306f\u306a\u304f\u3001\u5bb6\u8a08\u3084\u76f8\u5834\u306e\u5909\u5316\u306b\u5408\u308f\u305b\u3066<b><span class=\"swl-inline-color has-swl-deep-01-color\">\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3059<\/span><\/b>\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u53ce\u5165\u3001\u652f\u51fa\u3001\u5bb6\u65cf\u69cb\u6210\u3001\u5e74\u9f62\u3001\u76f8\u5834\u74b0\u5883\u304c\u5909\u308f\u308c\u3070\u3001\u81ea\u5206\u306b\u3068\u3063\u3066\u9069\u5207\u306a\u8cc7\u7523\u914d\u5206\u3082\u81ea\u7136\u306b\u5909\u308f\u308b\u3068\u8003\u3048\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u5c11\u306a\u304f\u3068\u3082\u5e74\u306b1\u56de\u306f\u3001\u9810\u8caf\u91d1\u3001\u6295\u8cc7\u4fe1\u8a17\u3001\u682a\u5f0f\u3001\u4fdd\u967a\u306a\u3069\u306e\u4fdd\u6709\u72b6\u6cc1\u3092\u5bb6\u8a08\u7c3f\u306a\u3069\u3067\u4e00\u89a7\u78ba\u8a8d\u3059\u308b\u7fd2\u6163\u3092\u6301\u3061\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u7279\u306b\u30dc\u30fc\u30ca\u30b9\u304c\u5165\u3063\u305f\u5f8c\u3001\u8ee2\u8077\u3057\u305f\u5f8c\u3001\u5bb6\u65cf\u304c\u5897\u3048\u305f\u5f8c\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3060\u5f8c\u306a\u3069\u306f\u3001\u8cc7\u7523\u914d\u5206\u3092\u898b\u76f4\u3059\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rebalance-method\">\u5024\u52d5\u304d\u3067\u5d29\u308c\u305f\u6295\u8cc7\u5272\u5408\u3092\u6574\u3048\u308b\u30ea\u30d0\u30e9\u30f3\u30b9\u306e\u65b9\u6cd5<\/h3>\n\n\n\n<p><b><span class=\"swl-inline-color has-swl-deep-01-color\">\u30ea\u30d0\u30e9\u30f3\u30b9<\/span><\/b>\u3068\u306f\u3001\u5024\u52d5\u304d\u306b\u3088\u3063\u3066\u5f53\u521d\u306e\u60f3\u5b9a\u304b\u3089\u5d29\u308c\u305f\u8cc7\u7523\u914d\u5206\u3092\u3001\u5143\u306e\u5272\u5408\u306b\u8fd1\u3065\u3051\u308b\u305f\u3081\u306e\u898b\u76f4\u3057\u4f5c\u696d\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3001\u6295\u8cc7\u306e\u5272\u5408\u309230\uff05\u306b\u3059\u308b\u3068\u6c7a\u3081\u3066\u3044\u305f\u306e\u306b\u3001\u682a\u4fa1\u4e0a\u6607\u3067\u6295\u8cc7\u6bd4\u7387\u304c50\uff05\u307e\u3067\u9ad8\u307e\u3063\u305f\u5834\u5408\u3001\u30ea\u30b9\u30af\u3092\u53d6\u308a\u3059\u304e\u3066\u3044\u308b\u72b6\u614b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u30ea\u30d0\u30e9\u30f3\u30b9\u306e\u65b9\u6cd5\u306b\u306f\u3001\u5897\u3048\u3059\u304e\u305f\u8cc7\u7523\u3092\u4e00\u90e8\u58f2\u5374\u3057\u3066\u9810\u8caf\u91d1\u306b\u623b\u3059\u65b9\u6cd5\u3084\u3001\u6bce\u6708\u306e\u7a4d\u7acb\u984d\u3092\u8abf\u6574\u3057\u3066\u4e0d\u8db3\u3057\u3066\u3044\u308b\u8cc7\u7523\u3092\u8cb7\u3044\u5897\u3059\u65b9\u6cd5\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7a0e\u91d1\u3084\u624b\u6570\u6599\u304c\u304b\u304b\u308b\u5834\u5408\u3082\u3042\u308b\u305f\u3081\u3001\u5fc5\u8981\u4ee5\u4e0a\u306b\u983b\u7e41\u306a\u58f2\u8cb7\u3092\u7e70\u308a\u8fd4\u3057\u3059\u304e\u306a\u3044\u3053\u3068\u3092\u610f\u8b58\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u521d\u5fc3\u8005\u306e\u5834\u5408\u306f\u3001\u5e741\u56de\u306a\u3069\u898b\u76f4\u3057\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u6c7a\u3081\u3066\u304a\u304f\u3068\u3001\u76f8\u5834\u306e\u5909\u52d5\u306b\u632f\u308a\u56de\u3055\u308c\u306b\u304f\u304f\u306a\u308b\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"summary\">\u307e\u3068\u3081\uff5c\u8caf\u91d1\u3067\u5099\u3048\u306a\u304c\u3089\u7121\u7406\u306e\u306a\u3044\u7bc4\u56f2\u3067\u6295\u8cc7\u3092\u53d6\u308a\u5165\u308c\u3088\u3046<\/h2>\n\n\n\n<p>\u6295\u8cc7\u3068\u8caf\u91d1\u306e\u6700\u9069\u306a\u5272\u5408\u306f\u3001\u5bb6\u8a08\u72b6\u6cc1\u3084\u5e74\u9f62\u3001\u30e9\u30a4\u30d5\u30a4\u30d9\u30f3\u30c8\u3001\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u3088\u3063\u3066\u7570\u306a\u308b\u305f\u3081\u5b9a\u671f\u7684\u306b\u898b\u76f4\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u7684\u306a\u30c7\u30fc\u30bf\u3092\u898b\u308b\u3068\u3001\u9810\u8caf\u91d1\u3068\u6709\u4fa1\u8a3c\u5238\u306e\u4e21\u65b9\u3092\u4fdd\u6709\u3057\u3066\u3044\u308b\u4e16\u5e2f\u306f\u591a\u304f\u3001\u3069\u3061\u3089\u304b\u4e00\u65b9\u306b\u504f\u3089\u306a\u3044\u8cc7\u7523\u7ba1\u7406\u304c\u73fe\u5b9f\u7684\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305a\u306f<b><span class=\"swl-marker 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