{"id":100879,"date":"2016-08-08T10:02:19","date_gmt":"2016-08-08T01:02:19","guid":{"rendered":"http:\/\/www.singapore-startup.com\/?p=100879"},"modified":"2016-08-11T13:15:43","modified_gmt":"2016-08-11T04:15:43","slug":"fintech%e3%83%95%e3%82%a3%e3%83%b3%e3%83%86%e3%83%83%e3%82%af%e3%81%a7%e5%8a%87%e7%9a%84%e3%81%ab%e5%a4%89%e3%82%8f%e3%82%8b%e9%87%91%e8%9e%8d%e3%82%b5%e3%83%bc%e3%83%93%e3%82%b9%ef%bd%9e%e8%b3%87","status":"publish","type":"post","link":"https:\/\/www.singapore-startup.com\/?p=100879","title":{"rendered":"FinTech(\u30d5\u30a3\u30f3\u30c6\u30c3\u30af)\u3067\u5287\u7684\u306b\u5909\u308f\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\uff5e\u8cc7\u7523\u904b\u7528\u306e\u5834\u5408\uff5e"},"content":{"rendered":"<div class=\"aafe36d7afa19a8010513acdd90193c0\" data-index=\"1\" style=\"float: none; margin:0px 0 0px 0; text-align:center;\">\n<center>Sponsored Link<\/center>\r\n<script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- Article upper_singapore-startup.com -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8303070969424899\"\r\n     data-ad-slot=\"5656608650\"\r\n     data-ad-format=\"rectangle\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n<h2>FinTech(\u30d5\u30a3\u30f3\u30c6\u30c3\u30af)\u3067\u5287\u7684\u306b\u5909\u308f\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\uff5e\u8cc7\u7523\u904b\u7528\u306e\u5834\u5408\uff5e<\/h2>\n<p>\u3000FinTech(\u30d5\u30a3\u30f3\u30c6\u30c3\u30af)\u306f\u8cc7\u7523\u904b\u7528\u306e\u3042\u308a\u65b9\u3082\u5909\u3048\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u306a\u304b\u3067\u3082\u975e\u5e38\u306b\u6ce8\u76ee\u3055\u308c\u3066\u3044\u308b\u306e\u304c<span style=\"color: #ff0000;\"><strong>\u300c\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u300d<\/strong><\/span>\u3067\u3059\u3002\u3053\u308c\u307e\u3067\u4e00\u90e8\u306e\u6a5f\u95a2\u6295\u8cc7\u5bb6\u3084\u5bcc\u88d5\u5c64\u3057\u304b\u5229\u7528\u3067\u304d\u306a\u304b\u3063\u305f\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u5206\u6563\u6295\u8cc7\u306b\u3088\u308b\u8cc7\u7523\u904b\u7528\u30b5\u30fc\u30d3\u30b9\u3092\u3001\u4e00\u822c\u306e\u65b9\u3005\u306b\u3082\u4f4e\u30b3\u30b9\u30c8\u3067\u63d0\u4f9b\u3059\u308b\u65b0\u3057\u3044\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002<\/p>\n<p>\u3000\u30e6\u30fc\u30b6\u30fc\u304b\u3089\u4e0e\u3048\u3089\u308c\u305f\u60c5\u5831\u3092\u57fa\u306b\u3001\u3042\u3089\u304b\u3058\u3081\u7528\u610f\u3057\u305f\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u3092\u7528\u3044\u3066\u6700\u9069\u5316\u3055\u308c\u305f\u30dd\u30fc\u30d5\u30a9\u30ea\u30aa\u3092\u81ea\u52d5\u7684\u306b\u4f5c\u6210\u3057\u3001\u305d\u308c\u306b\u5fdc\u3058\u305f\u904b\u7528\u3092\u4f4e\u3044\u624b\u6570\u6599\u3067\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002\u591a\u304f\u306e\u30e6\u30fc\u30b6\u30fc\u304c\u306f\u3063\u304d\u308a\u3068\u3057\u305f\u30e1\u30ea\u30c3\u30c8\u3092\u611f\u3058\u3084\u3059\u3044\u5206\u91ce\u3067\u3001\u307e\u3055\u306bFinTech(\u30d5\u30a3\u30f3\u30c6\u30c3\u30af)\u30b5\u30fc\u30d3\u30b9\u306e\u771f\u9aa8\u9802\u3068\u3044\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u3053\u3046\u3044\u3063\u305f\u30b5\u30fc\u30d3\u30b9\u304c\u6ce8\u76ee\u3055\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u80cc\u666f\u3092\u632f\u308a\u8fd4\u3063\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u65e5\u672c\u4eba\u306f\u3088\u304f\u3001\u7c73\u56fd\u4eba\u306b\u6bd4\u3079\u3066\u8caf\u91d1\u304c\u597d\u304d\u3060\u3068\u8a00\u308f\u308c\u307e\u3059\u3002\u78ba\u304b\u306b\u5bb6\u8a08\u306e\u8cc7\u7523\u69cb\u6210\u3092\u6bd4\u8f03\u3059\u308b\u3068\u3001\u65e5\u672c\u306e\u5834\u5408\u300152.7\u30d1\u30fc\u30bb\u30f3\u30c8\u304c\u73fe\u91d1\u307e\u305f\u306f\u9810\u91d1\u3001\u6b21\u306b\u591a\u3044\u306e\u304c\u4fdd\u967a\u3068\u5e74\u91d1\u6e96\u5099\u306726.4\u30d1\u30fc\u30bb\u30f3\u30c8\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u682a\u5f0f\u3084\u51fa\u8cc7\u91d1\u306f9.7\u30d1\u30fc\u30bb\u30f3\u30c8\u3001\u6295\u8cc7\u4fe1\u8a17\u306f5.4\u30d1\u30fc\u30bb\u30f3\u30c8\u3001\u50b5\u5238\u306f1.5\u30d1\u30fc\u30bb\u30f3\u30c8\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u4e00\u65b9\u3001\u7c73\u56fd\u3067\u6700\u3082\u9ad8\u3044\u6bd4\u7387\u3092\u5360\u3081\u3066\u3044\u308b\u306e\u306f\u3001\u682a\u5f0f\u30fb\u51fa\u8cc7\u91d1\u306e33.8\u30d1\u30fc\u30bb\u30f3\u30c8\u3002\u6b21\u3044\u3067\u6295\u8cc7\u4fe1\u8a17\u304c12.9\u30d1\u30fc\u30bb\u30f3\u30c8\u3001\u50b5\u5238\u304c5.0\u30d1\u30fc\u30bb\u30f3\u30c8\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e3\u3064\u3092\u5408\u8a08\u3059\u308b\u30685\u5272\u3092\u8d85\u3048\u308b\u306e\u306b\u5bfe\u3057\u3001\u73fe\u91d1\u30fb\u9810\u91d1\u306f\u308f\u305a\u304b13.7\u30d1\u30fc\u30bb\u30f3\u30c8\u3067\u3059\u3002<\/p>\n<p>\u3000\u305f\u3060\u3057\u3001\u7c73\u56fd\u3067\u3082\u4ee5\u524d\u304b\u3089\u3053\u3053\u307e\u3067\u73fe\u91d1\u30fb\u9810\u91d1\u304c\u4f4e\u304b\u3063\u305f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cc7\u7523\u306b\u5360\u3081\u308b\u682a\u5f0f\u306e\u5272\u5408\u304c\u4e0a\u304c\u3063\u305f\u306e\u306f\u30011970\u5e74\u4ee3\u4ee5\u964d\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u25a0\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u5bb6\u8a08\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210(\u203b2016\u5e746\u670822\u65e5 \u65e5\u672c\u9280\u884c\u8abf\u67fb\u7d71\u8a08\u5c40\u8abf\u3079)<\/strong><\/p>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-100887\" src=\"https:\/\/www.singapore-startup.com\/wp-content\/uploads\/2016\/08\/650\u00d7\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210.png\" alt=\"(650\u00d7)\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210\" width=\"652\" height=\"439\" srcset=\"https:\/\/www.singapore-startup.com\/wp-content\/uploads\/2016\/08\/650\u00d7\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210.png 652w, https:\/\/www.singapore-startup.com\/wp-content\/uploads\/2016\/08\/650\u00d7\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210-300x202.png 300w, https:\/\/www.singapore-startup.com\/wp-content\/uploads\/2016\/08\/650\u00d7\u65e5\u672c\u30fb\u7c73\u56fd\u30fb\u30e6\u30fc\u30ed\u30a8\u30ea\u30a2\u306e\u91d1\u878d\u8cc7\u7523\u69cb\u6210-100x67.png 100w\" sizes=\"auto, (max-width: 652px) 100vw, 652px\" \/>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u7c73\u56fd(\u30a2\u30e1\u30ea\u30ab)\u3067&#8221;\u8cc7\u7523\u904b\u7528&#8221;\u304c\u76db\u3093\u306a\u7406\u7531\u3068\u306f\uff1f<\/h2>\n<p>\u30001970\u5e74\u4ee3\u306e\u7c73\u56fd\u306f\u30a4\u30f3\u30d5\u30ec\u671f\u306b\u3042\u308a\u3001\u305d\u306e\u4f59\u97fb\u306f1980\u5e74\u4ee3\u3082\u7d9a\u304d\u307e\u3057\u305f\u3002\u8cc7\u7523\u3092\u73fe\u91d1\u3067\u4fdd\u6709\u3057\u3066\u3044\u3066\u3082\u3001\u305d\u306e\u4fa1\u5024\u306f\u76ee\u6e1b\u308a\u3057\u3066\u3044\u304f\u3070\u304b\u308a\u3068\u3044\u3046\u3001\u4eca\u306e\u65e5\u672c\u3068\u6b63\u53cd\u5bfe\u306e\u72b6\u6cc1\u304c20\u5e74\u8fd1\u304f\u7d9a\u3044\u305f\u306e\u3067\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u4e2d\u3067\u3001\u500b\u4eba\u306e\u8cc7\u7523\u904b\u7528\u306f\u672c\u683c\u5316\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u3000\u904b\u7528\u5546\u54c1\u3068\u3057\u3066\u6700\u521d\u306b\u6d78\u900f\u3057\u305f\u306e\u306f\u3001401k\u306b\u4ee3\u8868\u3055\u308c\u308b<strong><span style=\"color: #ff0000;\">\u78ba\u5b9a\u62e0\u51fa\u5e74\u91d1<\/span><\/strong><span style=\"color: #000000;\">\u3084<\/span><strong><span style=\"color: #ff0000;\">\u500b\u4eba\u9000\u8077\u52d8\u5b9a(IRA\u3001Individual Retirement Account)<\/span><\/strong>\u3067\u3057\u305f\u3002\u3053\u308c\u3089\u306e\u9000\u8077\u8005\u5411\u3051\u8caf\u84c4\u30c1\u30e3\u30cd\u30eb\u3067\u306f\u3001\u6295\u8cc7\u4fe1\u8a17\u306e\u4fdd\u6709\u304c\u5927\u304d\u304f\u9032\u5c55\u3057\u3001\u7c73\u56fd\u306b\u304a\u3051\u308b\u30ea\u30b9\u30af\u6027\u8cc7\u7523\u3067\u306e\u8cc7\u7523\u5f62\u6210\u6587\u5316\u3092\u7bc9\u304f\u91cd\u8981\u306a\u304d\u3063\u304b\u3051\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u3000\u307e\u305f\u3001\u4e00\u65b9\u3067\u3001\u30ea\u30b9\u30af\u3092\u305d\u308c\u307b\u3069\u53d6\u308a\u305f\u304f\u306a\u3044\u4eba\u305f\u3061\u306b\u3068\u3063\u3066\u3082\u3001MMF(\u7c73\u56fd\u3067\u306f\u30de\u30cd\u30fc\u30fb\u30de\u30fc\u30b1\u30c3\u30c8\u30fb\u30d5\u30a1\u30f3\u30c9)\u3068\u547c\u3070\u308c\u308c\u308b\u77ed\u671f\u91d1\u5229\u306e\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u304c\u3001\u9810\u91d1\u3092\u4ee3\u66ff\u3059\u308b\u5909\u5316\u304c\u898b\u3089\u308c\u307e\u3057\u305f\u3002<\/p>\n<p>\u3000\u30a4\u30f3\u30d5\u30ec\u304c\u7d99\u7d9a\u3057\u3066\u3044\u305f1980\u5e74\u4ee3\u306b\u306f\u3001\u30a4\u30f3\u30d5\u30ec\u306b\u5f37\u3044\u77ed\u671f\u91d1\u5229\u3067\u3042\u308bMMF\u304c\u30d2\u30c3\u30c8\u5546\u54c1\u3068\u306a\u308a\u3001\u3055\u3089\u306b\u7c73\u56fd\u4eba\u306e\u8a3c\u5238\u53e3\u5ea7\u4fdd\u6709\u3092\u4fc3\u9032\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u3089\u306e\u5236\u5ea6\u3067\u306f\u3001\u9000\u8077\u5f8c\u306e\u751f\u6d3b\u306b\u5411\u3051\u3066\u7a0e\u5236\u512a\u9047\u306e\u3042\u308b\u5f62\u3067\u6295\u8cc7\u3092\u884c\u3046\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u3001\u7d99\u7d9a\u7684\u306a\u682a\u5f0f\u3084\u6295\u8cc7\u4fe1\u8a17\u306e\u4fdd\u6709\u3092\u4fc3\u3059\u5927\u4e8b\u306a\u30c1\u30e3\u30cd\u30eb\u3068\u306a\u3063\u305f\u306e\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u30001990\u5e74\u4ee3\u306b\u306a\u308b\u3068\u30a4\u30f3\u30d5\u30ec\u306f\u843d\u3061\u7740\u304d\u307e\u3057\u305f\u304c\u3001\u7c73\u56fd\u4eba\u306f\u4e00\u65b9\u3067\u3044\u308f\u3086\u308b\u300c\u5e73\u548c\u306e\u914d\u5f53\u300d\u3092\u624b\u306b\u5165\u308c\u307e\u3059\u30021989\u5e74\u306b\u30d9\u30eb\u30ea\u30f3\u306e\u58c1\u304c\u5d29\u58ca\u3057\u3001\u6771\u897f\u51b7\u6226\u304b\u3089\u89e3\u653e\u3055\u308c\u305f\u5404\u56fd\u3067\u306f\u3001\u7d4c\u6e08\u6210\u9577\u306b\u5411\u3051\u305f\u653f\u7b56\u306b\u96c6\u4e2d\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u306e\u7d50\u679c\u3001\u682a\u4fa1\u306f\u4e0a\u6607\u3092\u7d9a\u3051\u307e\u3057\u305f\u3002<\/p>\n<p>\u30001990\u5e74\u306b2,000\u30c9\u30eb\u53f0\u3092\u63a8\u79fb\u3057\u3066\u3044\u305f\u30c0\u30a6\u5e73\u5747\u682a\u4fa1\u306f\u30012000\u5e74\u306b\u306f1\u4e07\u30c9\u30eb\u524d\u5f8c\u306b\u307e\u3067\u6025\u4f38\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u3053\u306e\u3088\u3046\u306a\u74b0\u5883\u306b\u3042\u308b\u3068\u3001\u4eba\u3005\u306f\u9280\u884c\u306b\u9810\u3051\u3066\u3044\u305f\u304a\u91d1\u3092\u3001\u5024\u4e0a\u304c\u308a\u304c\u671f\u5f85\u3067\u304d\u308b\u682a\u5f0f\u306b\u79fb\u52d5\u3057\u59cb\u3081\u307e\u3059\u3002\u305d\u308c\u304c\u3001\u8cc7\u7523\u306b\u5360\u3081\u308b\u682a\u5f0f\u306e\u6bd4\u7387\u3092\u4e0a\u3052\u308b\u3053\u3068\u3068\u3001\u9000\u8077\u5f8c\u306e\u751f\u6d3b\u3092\u652f\u3048\u308b\u8cc7\u7523\u306e\u5f62\u6210\u3078\u3068\u3064\u306a\u304c\u3063\u305f\u306e\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>IT\u5316\u304c\u3082\u305f\u3089\u3057\u305f\u904b\u7528\u5546\u54c1\u306e&#8221;\u88fd\u8ca9\u5206\u96e2&#8221;<\/h2>\n<p>\u30001990\u5e74\u4ee3\u5f8c\u534a\u306b\u306a\u308b\u3068\u3001\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u8a3c\u5238\u30b5\u30fc\u30d3\u30b9\u304c\u59cb\u307e\u308a\u307e\u3057\u305f\u3002\u3059\u308b\u3068\u7c73\u56fd\u3067\u3001\u305d\u306e\u9803\u306e\u65e5\u672c\u3067\u306f\u8d77\u304d\u306a\u304b\u3063\u305f\u73fe\u8c61\u304c\u767a\u751f\u3057\u307e\u3059\u3002\u305d\u308c\u306f\u6295\u8cc7\u5bb6\u304c<span style=\"color: #ff0000;\"><strong>\u300c\u88fd\u8ca9\u5206\u96e2\u300d<\/strong><\/span>\u3092\u6c42\u3081\u308b\u52d5\u304d\u3067\u3059\u3002<\/p>\n<p>\u3000\u5f93\u6765\u3001\u904b\u7528\u5546\u54c1\u306f\u3001\u8ca9\u58f2\u3092\u62c5\u5f53\u3059\u308b\u8a3c\u5238\u4f1a\u793e\u3068\u540c\u3058\u7cfb\u5217\u306e\u904b\u7528\u4f1a\u793e\u304c\u7d44\u6210\u3057\u3001\u305d\u306e\u904b\u7528\u5546\u54c1\u3092\u305d\u306e\u8a3c\u5238\u4f1a\u793e\u304c\u8ca9\u58f2\u3059\u308b\u3001\u3068\u3044\u3046\u5f62\u5f0f\u304c\u91d1\u878d\u6a5f\u95a2\u306e\u53ce\u76ca\u306e\u89b3\u70b9\u304b\u3089\u306f\u4e00\u822c\u7684\u3067\u3057\u305f\u3002<\/p>\n<p>\u3000\u3057\u304b\u3057\u3001401(k)\u3092\u542b\u3080\u5e74\u91d1\u5e02\u5834\u3067\u53d7\u8a17\u8005\u8cac\u4efb\u306e\u8003\u3048\u65b9\u304c\u6d78\u900f\u3057\u3066\u3044\u305f\u7c73\u56fd\u3067\u306f\u3001\u6295\u8cc7\u5bb6\u304c\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u306e\u529b\u306b\u3088\u308a\u81ea\u7531\u5ea6\u3092\u5897\u3059\u306a\u304b\u3067\u3001\u4e2d\u7acb\u7684\u3067\u3001\u30b3\u30b9\u30c8\u3082\u52a0\u5473\u3057\u305f\u3068\u304d\u306b\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u9ad8\u3044\u8cc7\u7523\u7ba1\u7406\u30b5\u30fc\u30d3\u30b9\u3092\u6c42\u3081\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u3000<strong><span style=\"color: #ff0000;\">\u305d\u3057\u3066\u3001\u30ea\u30b9\u30af\u3068\u30b3\u30b9\u30c8\u3092\u52d8\u6848\u3057\u3066\u3082\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u9ad8\u3044\u6295\u8cc7\u4fe1\u8a17\u306a\u3069\u306e\u904b\u7528\u5546\u54c1\u3092\u5916\u90e8\u306e\u904b\u7528\u4f1a\u793e\u304c\u4f5c\u308a\u3001\u8a3c\u5238\u4f1a\u793e\u306f\u9867\u5ba2\u306e\u30cb\u30fc\u30ba\u306b\u5373\u3057\u305f\u5546\u54c1\u3092\u9078\u5b9a\u3057\u8ca9\u58f2\u3059\u308b\u3068\u3044\u3046\u3001\u65b0\u3057\u3044\u9867\u5ba2\u5fd7\u5411\u306e\u6d41\u308c\u304c\u8a95\u751f\u3057\u307e\u3057\u305f\u3002<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u4e00\u65b9\u3067\u3001\u3042\u308b\u4eba\u306b\u3068\u3063\u3066\u4f55\u304c\u6700\u3082\u826f\u3044\u904b\u7528\u306a\u306e\u304b\u306f\u3001\u5e38\u306b\u7b54\u3048\u304c\u5206\u304b\u308c\u307e\u3059\u3002\u5f53\u6642\u306e\u904b\u7528\u306e\u9054\u4eba\u3001\u30d4\u30fc\u30bf\u30fc\u30fb\u30ea\u30f3\u30c1\u306e\u3088\u3046\u306a\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306b\u591a\u5c11\u306e\u624b\u6570\u6599\u3092\u6255\u3063\u3066\u3082\u904b\u7528\u3092\u4efb\u305b\u305f\u3044\u3001\u3044\u308f\u3086\u308b\u30a2\u30af\u30c6\u30a3\u30d6\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3057\u305f\u3044\u3068\u601d\u3046\u4eba\u3082\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u4e00\u65b9\u3001\u624b\u6570\u6599\u3092\u3042\u307e\u308a\u6255\u3044\u305f\u304f\u306a\u3044\u305f\u3081\u306b\u3001\u9054\u4eba\u306b\u306f\u4f9d\u983c\u3092\u305b\u305a\u3001\u305d\u3053\u305d\u3053\u306e\u30ea\u30bf\u30fc\u30f3\u3092\u76ee\u6307\u3059\u4eba\u3082\u3044\u307e\u3059\u3002\u5f8c\u8005\u306e\u3088\u3046\u306a\u4eba\u306b\u9069\u3057\u305f\u5546\u54c1\u304c\u3001<span style=\"color: #ff0000;\"><strong>\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9<\/strong><\/span>\u3067\u3059\u3002<\/p>\n<p>\u3000\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u904b\u7528\u306b\u306f\u3001\u30d4\u30fc\u30bf\u30fc\u30fb\u30ea\u30f3\u30c1\u306e\u3088\u3046\u306a\u76ee\u5229\u304d\u306e\u30d5\u30a1\u30f3\u30c9\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306f\u4e0d\u8981\u3067\u3059\u3002\u8ab0\u304c\u904b\u7528\u3057\u3066\u3082\u540c\u3058\u7d50\u679c\u306b\u306a\u308a\u3001\u5f53\u7136\u624b\u6570\u6599\u306f\u30a2\u30af\u30c6\u30a3\u30d6\u30d5\u30a1\u30f3\u30c9\u3088\u308a\u5b89\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3068\u306f\u3001\u5e02\u5834\u5e73\u5747(\u30d9\u30f3\u30c1\u30de\u30fc\u30af)\u3068\u540c\u3058\u3088\u3046\u306a\u52d5\u304d\u3092\u76ee\u6307\u3059\u30d5\u30a1\u30f3\u30c9\u306e\u3053\u3068\u3092\u6307\u3057\u3001\u30d1\u30c3\u30b7\u30d6\u30d5\u30a1\u30f3\u30c9\u3068\u3082\u547c\u3070\u308c\u30012000\u5e74\u524d\u5f8c\u306b\u5927\u304d\u304f\u9032\u5316\u3057\u307e\u3057\u305f\u3002\u682a\u5f0f\u5e02\u5834\u306b\u4e0a\u5834\u3059\u308b\u30bf\u30a4\u30d7\u306e\u7d71\u6cbb\u4fe1\u8a17\u3067\u3042\u308b<strong><span style=\"color: #ff0000;\">ETF(\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u3001Exchange Trade Funds)<\/span><\/strong>\u304c\u767b\u5834\u3059\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u3000ETF(\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u3001Exchange Trade Funds)\u306f\u305d\u306e\u6027\u8cea\u4e0a\u3001\u904b\u7528\u4f1a\u793e\u306b\u3068\u3063\u3066\u3001\u5f93\u6765\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u3092\u904b\u7528\u3059\u308b\u3088\u308a\u3001\u3055\u3089\u306b\u5b89\u3044\u30b3\u30b9\u30c8\u3067\u904b\u55b6\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u3092\u6295\u8cc7\u5bb6\u304c\u4eab\u53d7\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u3082\u3068\u3082\u3068\u4f4e\u3044\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u6295\u8cc7\u306e\u624b\u6570\u6599\u304c\u3055\u3089\u306b\u5b89\u304f\u306a\u3063\u305f\u306e\u3067\u3059\u3002<\/p>\n<p>\u3000\u305d\u306e\u3088\u3046\u306a\u306a\u304b\u3067\u3001\u56fd\u5185\u682a\u5f0f\u3001\u6d77\u5916\u682a\u5f0f\u3001\u50b5\u5238\u3084\u539f\u6cb9\u3001\u91d1\u306a\u3069\u306b\u9023\u52d5\u3059\u308bETF(\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u3001Exchange Trade Funds)\u304c\u6b21\u3005\u3068\u767b\u5834\u3057\u3001\u6295\u8cc7\u5bb6\u304c\u58f2\u8cb7\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u300cSAA(\u6226\u7565\u7684\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3)\u300d\u304c\u6295\u8cc7\u30ea\u30bf\u30fc\u30f3\u306e&#8221;8\u5272&#8221;\u3092\u6c7a\u3081\u308b<\/h2>\n<p>\u3000\u3057\u304b\u3057\u3001\u3042\u308b\u4eba\u306b\u3068\u3063\u3066\u3001\u3069\u306e\u3088\u3046\u306aETF(\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u3001Exchange Trade Funds)\u3092\u3069\u308c\u3060\u3051\u8cb7\u3046\u306e\u304c\u30d9\u30b9\u30c8\u306a\u9078\u629e\u306b\u306a\u308b\u304b\u306f\u3001\u96e3\u3057\u3044\u554f\u984c\u3067\u3059\u30021\u3064\u306eETF(\u4e0a\u5834\u6295\u8cc7\u4fe1\u8a17\u3001Exchange Trade Funds)\u304c\u7b54\u3048\u306b\u306a\u308b\u306e\u3067\u306f\u306a\u304f\u3001<span style=\"color: #ff0000;\"><strong>\u69d8\u3005\u306a\u8cc7\u7523\u306e\u7d44\u307f\u5408\u308f\u305b\u3092\u793a\u3057\u305f\u300c\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u300d\u304c\u91cd\u8981\u306b\u306a\u308b\u306e\u3067\u3059\u3002<\/strong><\/span><\/p>\n<p>\u3000\u5c11\u3057\u3001\u6295\u8cc7\u306e\u4e16\u754c\u306b\u3064\u3044\u3066\u6398\u308a\u4e0b\u3052\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u6295\u8cc7\u306e\u4e16\u754c\u3067\u306f\u3001\u30ea\u30b9\u30af\u304c\u9ad8\u3051\u308c\u3070\u3001\u671f\u5f85\u3055\u308c\u308b\u30ea\u30bf\u30fc\u30f3\u3082\u9ad8\u304f\u306a\u308b\u3068\u60f3\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059(\u6295\u8cc7\u306e\u4e16\u754c\u3067\u3044\u3046\u30ea\u30b9\u30af\u3068\u306f\u3001\u65e5\u5e38\u3067\u4f7f\u3046\u30ea\u30b9\u30af\u3068\u306f\u5c11\u3057\u610f\u5473\u304c\u7570\u306a\u308a\u3001\u30ea\u30bf\u30fc\u30f3\u306e\u5909\u52d5\u306e\u5e45\u306e\u3053\u3068\u3092\u6307\u3057\u307e\u3059)\u3002<\/p>\n<p>\u3000\u30cf\u30a4\u30ea\u30bf\u30fc\u30f3\u304c\u671f\u5f85\u3055\u308c\u308b\u5546\u54c1\u306f\u3001\u88cf\u3092\u8fd4\u305b\u3070\u30cf\u30a4\u30ea\u30b9\u30af\u306e\u8981\u7d20\u3092\u542b\u3093\u3067\u304a\u308a\u3001\u9006\u3082\u307e\u305f\u771f\u5b9f\u3067\u3001\u30ed\u30fc\u30ea\u30b9\u30af\u306a\u3082\u306e\u306f\u30ed\u30fc\u30ea\u30bf\u30fc\u30f3\u3057\u304b\u672c\u8cea\u7684\u306b\u306f\u671f\u5f85\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u81ea\u5206\u306e\u6c42\u3081\u308b\u6295\u8cc7\u306e\u76ee\u6a19(\u4f55\u6b73\u307e\u3067\u306b\u3044\u304f\u3089\u306e\u8cc7\u7523\u3092\u8caf\u3081\u305f\u3044\u3001\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u30ea\u30b9\u30af\u306f\u8cc7\u7523\u306b\u5bfe\u3057\u306630\u30d1\u30fc\u30bb\u30f3\u30c8\u306a\u3069)\u3092\u524d\u63d0\u3068\u3057\u3066\u3001\u30ea\u30b9\u30af\u3092\u62bc\u3055\u3048\u306a\u304c\u3089\u6700\u5927\u306e\u30ea\u30bf\u30fc\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u4f5c\u6210\u3059\u308b\u3053\u3068\u3092\u3001<span style=\"color: #ff0000;\"><strong>\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3<\/strong><\/span>\u3068\u547c\u3073\u307e\u3059\u3002<\/p>\n<p>\u3000\u8cc7\u7523\u904b\u7528\u306e\u6210\u679c\u3092\u6c7a\u5b9a\u3065\u3051\u308b\u306e\u306f\u3001\u3053\u306e\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u304b\u304b\u3063\u3066\u3044\u308b\u3068\u3044\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u3069\u306e\u682a\u5f0f\u3092\u3044\u3064\u8cb7\u3046\u304b\u3001\u58f2\u308b\u304b\u3068\u3044\u3046\u30bf\u30a4\u30df\u30f3\u30b0\u3088\u308a\u3082\u3001\u3069\u306e\u3088\u3046\u306a\u30bf\u30a4\u30d7\u306e\u8cc7\u7523\u3092\u3069\u308c\u304f\u3089\u3044\u4fdd\u6709\u3059\u308b\u306e\u304b\u3092\u6c7a\u3081\u308b\u3053\u3068\u3001\u3059\u306a\u308f\u3061<strong><span style=\"color: #ff0000;\">\u6226\u7565\u7684\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3(SAA\u3001Strategic Asset Allocation)<\/span><\/strong>\u3068\u547c\u3070\u308c\u308b\u610f\u601d\u6c7a\u5b9a\u304c\u3001\u6295\u8cc7\u30ea\u30bf\u30fc\u30f3\u306e8\u5272\u65b9\u3092\u6c7a\u5b9a\u3065\u3051\u308b\u3068\u3059\u308b\u7814\u7a76\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3000\u4e00\u65b9\u3067\u3001\u500b\u5225\u306e\u9298\u67c4(\u4f8b\u3048\u3070\u3001\u30c8\u30e8\u30bf\u3092\u8cb7\u3046\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u65e5\u7523\u3092\u8cb7\u3046\u306e\u304b)\u306e\u5224\u65ad\u3084\u3001\u58f2\u8cb7\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u306e\u5f71\u97ff\u306f\u3001\u307b\u3093\u306e2\u5272\u7a0b\u5ea6\u3068\u3044\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u6226\u7565\u7684\u30a2\u30bb\u30c3\u30c8\u30a2\u30ed\u30b1\u30fc\u30b7\u30e7\u30f3<span style=\"color: #000000;\">(SAA\u3001Strategic Asset Allocation)\u3067\u306f\u3001\u4eba\u306b\u3088\u3063\u3066\u30d9\u30b9\u30c8\u306a\u7b54\u3048\u304c\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002\u904b\u7528\u76ee\u6a19\u3092\u8a2d\u5b9a\u3059\u308b\u306b\u5f53\u305f\u3063\u3066\u306f\u3001\u305d\u306e\u4eba\u306e\u8cc7\u7523\u7dcf\u984d\u3084\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u3001\u30ad\u30e3\u30ea\u30a2\u89b3\u3001\u5bb6\u65cf\u69cb\u6210\u3084\u5916\u90e8\u74b0\u5883\u304c\u5927\u304d\u304f\u5f71\u97ff\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>\u3000\u307e\u305f\u3001\u4f8b\u3048\u3070\u65e5\u672c\u682a\u5f0f\u306e\u5e02\u5834\u304c\u4eca\u5f8c\u306e\u6570\u5341\u5e74\u3001\u4f55\u30d1\u30fc\u30bb\u30f3\u30c8\u306e\u6210\u9577\u304c\u671f\u5f85\u3067\u304d\u308b\u306e\u304b\u3082\u3001\u898b\u65b9\u304c\u5927\u304d\u304f\u5206\u304b\u308c\u307e\u3059\u3002<\/p>\n<p>\u3000\u305d\u308c\u3092\u3088\u308a\u9069\u5207\u306b\u5224\u65ad\u3067\u304d\u308b\u306e\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u3067\u3059\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u3046\u30e9\u30f3\u30ca\u30fc\u306f\u591a\u304f\u306e\u5834\u5408\u3001\u9867\u5ba2\u304c\u904b\u7528\u3059\u308b\u8cc7\u7523\u984d\u306b\u9023\u52d5\u3057\u305f\u624b\u6570\u6599\u3092\u5f97\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u30d7\u30ed\u306e\u4ed5\u4e8b\u306e\u6069\u6075\u3092\u53d7\u3051\u3089\u308c\u308b\u306e\u306f\u3001\u3042\u308b\u4e00\u5b9a\u4ee5\u4e0a\u3001\u4f8b\u3048\u30703,000\u4e07\u5186\u4ee5\u4e0a\u306e\u8cc7\u7523\u3092\u6301\u3063\u3066\u3044\u308b\u4eba\u306b\u9650\u3089\u308c\u308b\u3068\u3044\u3063\u305f\u72b6\u614b\u304c\u751f\u307e\u308c\u307e\u3059\u3002<\/p>\n<p>\u3000\u4e00\u65b9\u3067\u3001\u8cc7\u7523\u306e\u5c11\u306a\u3044\u4eba\u3053\u305d\u3001\u6b63\u3057\u3044\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u57fa\u306b\u8cc7\u7523\u5f62\u6210\u3057\u305f\u3044\u3001\u3068\u3044\u3046\u5f37\u3044\u30cb\u30fc\u30ba\u3082\u3082\u3061\u308d\u3093\u5b58\u5728\u3057\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u4f55\u3068\u304b\u3057\u3066\u30e6\u30fc\u30b6\u30fc\u306e\u8ca0\u62c5\u3059\u308b\u624b\u6570\u6599\u3092\u6e1b\u3089\u3057\u3001\u3088\u308a\u591a\u304f\u306e\u4eba\u304c\u9069\u5207\u306a\u8cc7\u7523\u5f62\u6210\u3092\u5b9f\u73fe\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u304c\u3001\u9577\u5e74\u306e\u8ab2\u984c\u3068\u306a\u3063\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u72ec\u81ea\u306e\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u8a08\u7b97\u3067&#8221;\u30d9\u30b9\u30c8\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa(\u8cc7\u7523\u69cb\u6210)&#8221;\u3092\u4f5c\u6210\u3059\u308b\u300c\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u300d\u30b5\u30fc\u30d3\u30b9\u3068\u306f\uff1f<\/h2>\n<p>\u3000\u3053\u306e<span style=\"color: #ff0000;\"><strong>\u300c\u624b\u6570\u6599\u3092\u6e1b\u3089\u3059\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u306e\u304b\u300d\u300c\u3082\u3063\u3068\u4e00\u822c\u306e\u4eba\u306b\u3082\u3001\u4e00\u90e8\u306e\u6a5f\u95a2\u6295\u8cc7\u5bb6\u3084\u5bcc\u88d5\u5c64\u304c\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3067\u304d\u306a\u3044\u304b\u300d<\/strong><\/span>\u3068\u3044\u3046\u8ab2\u984c\u306b\u5bfe\u3057\u3066\u3001FinTech(\u30d5\u30a3\u30f3\u30c6\u30c3\u30af)\u304c1\u3064\u306e\u89e3\u6c7a\u6cd5\u3092\u63d0\u6848\u3057\u307e\u3057\u305f\u3002\u305d\u308c\u304c<span style=\"color: #ff0000;\"><strong>\u300c\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u300d<\/strong><\/span>\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3002<\/p>\n<p>\u3000\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30f3\u30ca\u30fc\u3001\u3059\u306a\u308f\u3061\u300c\u4eba\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u300d\u306e\u4ee3\u308f\u308a\u306b\u3001\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u4e0e\u3048\u3089\u308c\u305f\u60c5\u5831\u3092\u57fa\u306b\u72ec\u81ea\u306e\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u306e\u8a08\u7b97\u3092\u884c\u3044\u3001\u81ea\u52d5\u7684\u306b\u30d9\u30b9\u30c8\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u4f5c\u6210\u3057\u3001\u305d\u308c\u306b\u5fdc\u3058\u305f\u904b\u7528\u3092\u884c\u3044\u307e\u3059\u3002<\/p>\n<p>\u3000\u30b5\u30fc\u30d3\u30b9\u306b\u3088\u308a\u983b\u5ea6\u306f\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa(\u8cc7\u7523\u69cb\u6210)\u306f\u4fdd\u6709\u8cc7\u7523\u306e\u5024\u52d5\u304d\u3084\u3001\u5916\u90e8\u74b0\u5883\u306e\u5909\u5316\u306b\u5fdc\u3058\u3066\u898b\u76f4\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u3000\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u5229\u7528\u3057\u305f\u3044\u30e6\u30fc\u30b6\u30fc\u306f\u3001\u30d1\u30bd\u30b3\u30f3\u3084\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3067\u3044\u304f\u3064\u304b\u306e\u7c21\u5358\u306a\u8cea\u554f\u306b\u7b54\u3048\u307e\u3059\u3002\u3059\u308b\u3068\u3001\u30ed\u30dc\u30fb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u5224\u65ad\u3057\u305f\u6700\u9069\u306a\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa(\u8cc7\u7523\u69cb\u6210)\u304c\u63d0\u793a\u3055\u308c\u307e\u3059\u3002\u305d\u308c\u306b\u7d0d\u5f97\u3057\u305f\u306a\u3089\u3001\u305d\u306e\u307e\u307e\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u91d1\u878d\u5546\u54c1\u306e\u58f2\u8cb7\u3068\u904b\u7528\u306e\u59d4\u8a17\u3092\u884c\u3046\u3053\u3068\u307e\u3067\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3000\u7c73\u56fd\u3067\u306fBetterment(\u30d9\u30bf\u30fc\u30e1\u30f3\u30c8)\u3084Wealthfront(\u30a6\u30a7\u30eb\u30b9\u30d5\u30ed\u30f3\u30c8)\u3001Personal 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