çŸåšã®åå ¥ã«é¢ãããçµæžçèªç±ãéæããã®ã¬ã€ãã§ã¯ãäºç®ç®¡çããæè³ãŸã§ãäžçäžã§äœ¿ããå®è·µçãªè³ç£åœ¢ææŠç¥ã解説ããŸãã
ããããæåŸå±€ã®ããã®è³ç£æ§ç¯ïŒã°ããŒãã«ã¬ã€ã
å¯ã®è¿œæ±ã¯ãå°ççãªå¢çãçµæžç¶æ³ãè¶ è¶ãããæ®éçãªé¡æã§ããæå ±ããããŸããè³ç£åœ¢æã¯å¯è£å±€ã ãã®é åã§ã¯ãããŸãããçŸåšã®åå ¥ã¬ãã«ã«é¢ãããã誰ã«ã§ãéæå¯èœãªéã®ããªã®ã§ãããã®å æ¬çãªã¬ã€ãã¯ã倿§ãªäžçã®ç¶æ³ã«é©çšå¯èœãªãè³ç£åœ¢æã®æ ãå§ããããã®å®è¡å¯èœãªæŠç¥ãããŒã«ããããŠäºäŸãæäŸããŸãã
åºç€ãçè§£ããïŒè³ç£ã®æ§æèŠçŽ
å ·äœçãªæŠç¥ã«å ¥ãåã«ãè³ç£åœ¢æã«äžå¯æ¬ ãªååã§åºç€ãåºããŸãããããããã®ååã¯æ®éçã«é©çšå¯èœã§ããããã®åŸã®ãã¹ãŠã®éèæŽ»åãæ§ç¯ãããåå°ã圢æããŸãã
1. éèãªãã©ã·ãŒïŒç€ç³
éèãªãã©ã·ãŒãšã¯ãèªèº«ã®è²¡åãçè§£ãã广çã«ç®¡çããèœåã®ããšã§ããããã«ã¯ãäºç®ç®¡çã貯èãæè³ãåµå管çãå«ãŸããŸãããããã®æŠå¿µããã£ãããšçè§£ããŠããªããã°ãæ å ±ã«åºã¥ããéèäžã®æææ±ºå®ãããããšã¯å°é£ã§ããæžç±ãèªãã ãããªã³ã©ã€ã³ã³ãŒã¹ïŒå€ãã¯ç¡æãŸãã¯äœã³ã¹ãã§å©çšå¯èœïŒãåè¬ããããä¿¡é Œã§ããéèãã¥ãŒã¹ãœãŒã¹ããã©ããŒãããããŠãéèãªãã©ã·ãŒãé€ããŸããããã«ãŒã³ã¢ã«ãããŒãOECDã®éèæè²ã€ãã·ã¢ããããããŠäžçäžã®ããŸããŸãªæ¿åºãéå¶å©å£äœãæäŸããéèãªãã©ã·ãŒããã°ã©ã ã®ãããªãªãœãŒã¹ãæ€èšããŠã¿ãŠãã ããã
äºäŸïŒæ¥æ¬ã§ã¯ã財åçãè¥è ãšæäººã®äž¡æ¹ã察象ãšããæ§ã ãªããã°ã©ã ãéããŠéèæè²ãæšé²ããåœæ°ã貯èãæè³ãä¿¡çšã«ã€ããŠçè§£ããã®ãå©ããŠããŸãã
2. äºç®ç®¡çïŒèªåã®è²¡åãã³ã³ãããŒã«ãã
äºç®ãäœæããããšã¯ã財å管çã«ãããŠæãéèŠãªã¹ãããã§ããäºç®ãšã¯ãåå ¥ãšæ¯åºã®èšç»ã§ããããã«ããããéãã©ãã«äœ¿ãããŠãããã远跡ããç¯çŽã§ããåéãç¹å®ãã財åç®æšã«åããŠè³éãå²ãåœãŠãããšãã§ããŸããæ¡çšã§ããäºç®ç®¡çæ¹æ³ã«ã¯ã以äžã®ãããªãã®ããããŸãã
- 50/30/20ã«ãŒã«ïŒåå ¥ã®50%ãå¿ èŠçµè²»ã30%ã嚯楜費ã20%ã貯èãšåµåè¿æžã«å²ãåœãŠãŸãã
- ãŒãããŒã¹äºç®ïŒåå ¥ã®1ãã«1ãã«ãã¹ãŠã«ç®çãå²ãåœãŠãæªå²ãåœãŠã®è³éããŒãã«ããŸãã
- å°çåŒäºç®ç®¡çïŒç°ãªãæ¯åºã«ããŽãªããšã«çŸéãç©ççã«å°çã«å²ãåœãŠãŸããäŒçµ±çãªæ¹æ³ã§ãããäžçäžã§ä»ãå®è·µãããŠããŸãã
äºäŸïŒãã€ãžã§ãªã¢ã§ã¯ãå€ãã®äººã ãå°çåŒäºç®ç®¡çãå©çšããŠãããç¹ã«çŸéååŒã«ãããŠã飿åã亀éè²»ããã®ä»ã®å¿ èŠäžå¯æ¬ ãªçµè²»ã®æ¯åºãå³å¯ã«ç£èŠããŠããŸãã
3. 貯èïŒç¹æ ã®ç¿æ £
貯èãšã¯ãå°æ¥ã®äœ¿çšã®ããã«åå ¥ã®äžéšãåãåããç¿æ £ã§ããããã¯è³ç£èç©ã®åºç€ã§ããåå ¥ã«é¢ããããäžè²«ããŠåå ¥ã®äžå®å²åã貯èããããšãç®æããŸããããå°é¡ã§ãã£ãŠããäžè²«ããŠè²¯èããã°ãè€å©ã®åã«ãã£ãŠæéãšãšãã«å€§å¹ ã«å¢ããå¯èœæ§ããããŸãã
å®è·µçãªæŽå¯ïŒæ¯æãåœåº§é éå£åº§ãã貯èå£åº§ãæè³å£åº§ãžã®èªåæ¯èŸŒãèšå®ããŠã貯èãèªååããŸããããããã«ããããéã䜿ã£ãŠããŸãèªæããªããªããäžè²«ãã貯èç¿æ £ã確ä¿ãããŸãã
4. åµå管çïŒçµæžçè² æ ã®æå°å
åéã¯ãè³ç£åœ¢æãžã®é²å±ãèãã劚ããå¯èœæ§ããããŸããã¯ã¬ãžããã«ãŒãã®è² åµã®ãããªé«éå©ã®åéã¯ãããªãã®ãªãœãŒã¹ãæ¶èããã貯èãæè³ã劚ããŸããåéã管çãããªããããã®èšç»ãç«ãŠãŸããããæŠç¥ã«ã¯ä»¥äžã®ãããªãã®ããããŸãã
- åµåã¹ããŒããŒã«æ³ïŒå¢ããã€ããããã«ãéå©ã«é¢ããããæãå°é¡ã®åéããè¿æžããŸãã
- åµåã¢ãã©ã³ãæ³ïŒæãéå©ã®é«ãåéããåªå çã«è¿æžããããšã«éäžããŸãã
- åµåæŽçïŒäžæ¬åïŒïŒè€æ°ã®åéããããäœãéå©ã®äžã€ã®ããŒã³ã«ãŸãšããŸãã
äºäŸïŒå€ãã®ãªãŒã¹ãã©ãªã¢äººã¯ãé«éå©ã®ã¯ã¬ãžããã«ãŒãè² åµã管çããããã«åµåæŽçããŒã³ãå©çšããéè¡ãæäŸããããäœãéå©ã掻çšããŠãå šäœã®å©æ¯æ¯æããåæžããŠããŸãã
æåŸå±€å¥ã»è³ç£åœ¢ææŠç¥
æ¡çšããå ·äœçãªæŠç¥ã¯ãããªãã®æåŸå±€ã«ãã£ãŠç°ãªããŸããããããéèãªãã©ã·ãŒãäºç®ç®¡çã貯èãåµå管çãšããæ žãšãªãååã¯å€ãããŸãããããã§ã¯ãç°ãªãæåŸå±€ã«åãããæŠç¥ã解説ããŸãã
äœæåŸå±€ïŒå¹Žå3äžãã«æªæºãŸãã¯åçé¡ïŒ
äœæåŸã§è³ç£ãç¯ãã«ã¯ãèŠåŸãæ©ç¥ããããŠé·æçãªèŠç¹ãå¿ èŠã§ãã以äžã®ç¹ã«çŠç¹ãåœãŠãŸãããã
- å¿ èŠäžå¯æ¬ ãªããŒãºã®åªå ïŒäœå± ã飿ã亀éãªã©ã®å¿ èŠäžå¯æ¬ ãªããŒãºãåªå ãã峿 Œãªäºç®ãäœæããŸããå¿ èŠã§ãªãæ¯åºãåæžã§ããåéãç¹å®ããŸãããã
- åå ¥ã®æå€§åïŒåå ¥ãå¢ããæ©äŒãæ¢ããŸãããã坿¥ãå§ããããããªãŒã©ã³ã¹ãšããŠåããããæ®æ¥ãããããªã³ã©ã€ã³ã³ãŒã¹ã§è¿œå ã®ã¹ãã«ã远æ±ãããããããšãå«ãŸããŸããå€ãã®ãªã³ã©ã€ã³ãã©ãããã©ãŒã ããªã¢ãŒãã¯ãŒã¯ã®æ©äŒãæäŸããŠãããäžçäžã§çšŒãå¯èœæ§ãåºãã£ãŠããŸãã
- æŠç¥çãªè²¯èïŒããããªè²¯èã§ã倧ããªéããçã¿ãŸããé«å©åãã®æ®éé éå£åº§ããããè¯ãéå©ãæäŸããããšãå€ãä¿¡çšçµåã®æ®éé éå£åº§ã®éèšãæ€èšããŸãããããäœãŸãã®å°åã§å©çšå¯èœãªå Žåã¯ãæ¿åºãéçšäž»ãæ¯æŽãã貯èå¶åºŠãæ¢ã£ãŠã¿ãŠãã ããã
- é«éå©ã®åéãé¿ããïŒãã€ãã€ããŒã³ãã¯ã¬ãžããã«ãŒãã®è² åµã®ãããªé«éå©ã®åéãæ±ããªãããã«ããŸããããæ¢åã®åéãããå Žåã¯ãè¿æžèšç»ãç«ãŠãŠãããå®ããŸãããã
- ç¡æãªãœãŒã¹ã®æŽ»çšïŒããŒãœãã«ãã¡ã€ãã³ã¹ã®ããã°ãYouTubeãã£ã³ãã«ãæ¿åºæ¯æŽã®ããã°ã©ã ãªã©ããªã³ã©ã€ã³ã§å©çšã§ããç¡æã®éèæè²ãªãœãŒã¹ã掻çšããŸãããã
äºäŸïŒã€ã³ãã§ã¯ãå€ãã®äœæåŸè ããã€ã¯ããã¡ã€ãã³ã¹æ©é¢ãå©çšããŠå°èŠæš¡ãªèè³ãåããå°èŠæš¡ããžãã¹ãå§ããããåå ¥åµåºæŽ»åãæ¹åãããããŠããŸããããã¯NGOãæäŸããéèãªãã©ã·ãŒããã°ã©ã ãšçµã¿åããããŠããŸãã
äžæåŸå±€ïŒå¹Žå3äžãã«ïœ10äžãã«ãŸãã¯åçé¡ïŒ
äžæåŸå±€ã§ããã°ãããé«åºŠãªè³ç£åœ¢ææŠç¥ã宿œããããã®æè»æ§ãé«ãŸããŸãã以äžã®ç¹ã«çŠç¹ãåœãŠãŸãããã
- 貯èãšæè³ã®æ¡å€§ïŒè²¯èçãé«ããæè³ã倿§åãããŸããããæ ªåŒãåµåžãæè³ä¿¡èšãETFïŒäžå Žæè³ä¿¡èšïŒãžã®æè³ãæ€èšããŠãã ããã
- ç·æ¥è³éã®æ§ç¯ïŒããã«åŒãåºããç·æ¥è³éãšããŠãçæŽ»è²»ã®3ã6ã¶æåã貯èããããšãç®æããŸãããã
- æè²ãšã¹ãã«ãžã®æè³ïŒèªèº«ã®ã¹ãã«ãšæè²ã«æè³ããŠãåå ¥ã®å¯èœæ§ãé«ããŸããããããã«ã¯ãåŠäœã®ååŸãå°éèœåéçºã³ãŒã¹ã®åè¬ãè³æ Œã®ååŸãªã©ãå«ãŸããŸãã
- äžåç£æè³ã®æ€èšïŒç©ä»¶ãè³Œå ¥ããããäžåç£æè³ä¿¡èšïŒREITïŒã«æè³ããããäžåç£ãžã®æè³ãæ€èšããŠã¿ãŸãããã
- éè·åŸã®èšç»ïŒ401(k)ïŒå©çšå¯èœãªå ŽåïŒãå人éè·åå®ïŒIRAïŒãªã©ã®éè·åå®ãžã®æ åºãéå§ãŸãã¯å¢é¡ããŸããããæ¿åºæ¯æŽã®å¹Žéå¶åºŠãæ¢ã£ãŠã¿ãŠãã ããã
- è³ç£ã®ä¿è·ïŒäºæãã¬åºæ¥äºããè³ç£ãå®ãããã«ãå¥åº·ä¿éºãçåœä¿éºã財ç£ä¿éºãªã©ãååãªä¿éºã«å å ¥ããŸãããã
äºäŸïŒã«ããã§ã¯ãå€ãã®äžæåŸè ãç»é²éè·è²¯èãã©ã³ïŒRRSPïŒãå©çšããŠéè·åŸã®ããã®è²¯èãè¡ããçšå¶äžã®åªéæªçœ®ãšæè³ã®æé·ã«ããæ©æµãåããŠããŸãã
髿åŸå±€ïŒå¹Žå10äžãã«è¶ ãŸãã¯åçé¡ïŒ
髿åŸè ã¯ãè³ç£ãç¯ãããã®æå€§ã®èœåãæã£ãŠããŸãã以äžã®ç¹ã«çŠç¹ãåœãŠãŸãããã
- æè³æ©äŒã®æå€§åïŒæ ªåŒãåµåžãäžåç£ããã©ã€ããŒããšã¯ã€ãã£ããªã«ã¿ããã£ãæè³ãªã©ãæ§ã ãªè³ç£ã¯ã©ã¹ã«ããã£ãŠæè³ããŒããã©ãªãªã倿§åãããŸãããããã¡ã€ãã³ã·ã£ã«ã¢ããã€ã¶ãŒã«å©èšãæ±ããããšãæ€èšããŠãã ããã
- éºç£èšç»ïŒè³ç£ãä¿è·ããããªãã®åžæéãã«åé ãããããã«éºç£èšç»ãç«ãŠãŸããããããã«ã¯ãéºèšã®äœæãä¿¡èšã®èšå®ãåœã«ãã£ãŠå€§ããç°ãªãçžç¶çšå¯Ÿçã®èšç»ãªã©ãå«ãŸããŸãã
- çšéã®æé©åïŒçšå¶åªéã®ããæè³ææ®µãæŠç¥ã掻çšããŠãçšè² æ ãæå°éã«æããŸããããããªãã®ç®¡èœåºåã®çšæ³ãçè§£ããããã«ãçšåã¢ããã€ã¶ãŒã«çžè«ããŠãã ããã
- æ åæŽ»åïŒãã£ã©ã³ãœãããŒïŒæ åæŽ»åïŒãããªãã®è²¡åèšç»ã«çµã¿èŸŒãããšãæ€èšããŸããããã³ãã¥ããã£ã«éå ããããšã¯ãå人çãªæºè¶³æããããããçšå¶äžã®åªéæªçœ®ãæäŸããå¯èœæ§ããããŸãã
- äºæ¥ã®éå§ïŒèªèº«ã®äºæ¥ãå§ããããæ¢åã®äºæ¥ã«æè³ããå¯èœæ§ãæ¢ããŸããããèµ·æ¥ã¯å€§ããªè³ç£åœ¢æã®æ©äŒãæäŸããŸãããåæã«çžåœãªãªã¹ã¯ã䌎ããŸãã
äºäŸïŒã¹ã€ã¹ã§ã¯ã髿åŸè ã¯ãã°ãã°ãä¿¡èšã財å£ãéããŠæè³ãæ§æãããªã©ãé«åºŠãªçšåèšç»æŠç¥ãå©çšããŠãè³ç£ãå¹ççã«ç®¡çããŠããŸãã
æè³æŠç¥ïŒå¯ãå¢ãã
æè³ã¯ãé·æçãªè³ç£èç©ã«ãšã£ãŠäžå¯æ¬ ã§ããé©åãªæè³æŠç¥ãéžã¶ããšã¯ãããªãã®ãªã¹ã¯èš±å®¹åºŠãæé軞ããããŠè²¡åç®æšã«ãã£ãŠæ±ºãŸããŸããäžè¬çãªæè³ãªãã·ã§ã³ãããã€ã玹ä»ããŸãã
1. æ ªåŒ
æ ªåŒã¯äŒæ¥ã®æææš©ã衚ããŸããæ ªåŒãžã®æè³ã¯ãé·æçã«ã¯é«ããªã¿ãŒã³ãæäŸããå¯èœæ§ããããŸããã倧ããªãªã¹ã¯ã䌎ããŸããç°ãªãã»ã¯ã¿ãŒãå°åã®äŒæ¥ã®çµã¿åããã«æè³ããããšã§ãæ ªåŒããŒããã©ãªãªã倿§åãããŸããããS&P 500ã®ãããªåºç¯ãªåžå Žææ°ã远跡ããã€ã³ããã¯ã¹ãã¡ã³ããETFãžã®æè³ãæ€èšããŠãã ããã
å®è·µçãªæŽå¯ïŒæè³ããåã«äŒæ¥ã調æ»ããŸãããã財åå®çžŸãããžãã¹ã¢ãã«ãæ¥çã®èŠéãã確èªããŠãã ããããªã³ã©ã€ã³ããŒã«ããªãœãŒã¹ã䜿çšããŠæ ªåŒãåæããäºãã«æ¯èŒããŸãããã
2. åµåžïŒåºå®å©ä»èšŒåžïŒ
åµåžã¯ãäŒæ¥ãæ¿åºãçºè¡ããè² åµã衚ããŸããåµåžã¯äžè¬çã«æ ªåŒããããªã¹ã¯ãäœãã§ããããªã¿ãŒã³ãäœããªããŸããåµåžã¯å®å®ããåå ¥ã®æµãïŒå©æãïŒãæäŸããæè³ããŒããã©ãªãªãå®å®ãããã®ã«åœ¹ç«ã¡ãŸããåœåµã瀟åµããŸãã¯åµåžæè³ä¿¡èšãžã®æè³ãæ€èšããŠãã ããã
äºäŸïŒè±åœã§ã¯ãåœåµïŒã®ã«ãïŒã¯æ¯èŒçå®å šã§å®å®ããåå ¥æºãæ±ããæè³å®¶ã«ãšã£ãŠäººæ°ã®ããæè³ãªãã·ã§ã³ã§ããè±åœæ¿åºããã³äžçäžã®æ¿åºã¯ããããã®åµåžã宿çã«çºè¡ããŠããŸãã
3. äžåç£
äžåç£ã¯ãåå ¥ïŒè³è²žç©ä»¶ãéããŠïŒãšæœåšçãªãã£ãã¿ã«ã²ã€ã³ã®äž¡æ¹ãæäŸãã貎éãªæè³ãšãªãåŸãŸããããããããã«ã¯å€é¡ã®è³æ¬ãå¿ èŠã§ãããç©ä»¶ç®¡çãç¶æãåžå Žã®å€åãªã©ã®ãªã¹ã¯ã䌎ããŸããçŽæ¥ç©ä»¶ãææããã«äžåç£åžå Žãžã®ãšã¯ã¹ããŒãžã£ãŒãåŸãããã«ãREITãžã®æè³ãæ€èšããŠãã ãããæè³åã®ç©ä»¶è©äŸ¡ã«ã¯ããã¥ãŒããªãžã§ã³ã¹ãäžå¯æ¬ ã§ãã
å®è·µçãªæŽå¯ïŒäžåç£ã«æè³ããåã«ãå°å ã®åžå Žãæ³šææ·±ã調æ»ããè³è²žå©åããåæããåºå®è³ç£çšãä¿éºãç¶æè²»ãªã©ã®é¢é£ã³ã¹ããçè§£ããŠãã ããã
4. æè³ä¿¡èšããã³äžå Žæè³ä¿¡èšïŒETFïŒ
æè³ä¿¡èšãšETFã¯ãè€æ°ã®æè³å®¶ããè³éãéããŠãæ ªåŒãåµåžããã®ä»ã®è³ç£ã®å€æ§ãªããŒããã©ãªãªã«æè³ããæè³ææ®µã§ãããããã¯å³åº§ã®åæ£åãšå°éçãªç®¡çãæäŸããŸããETFã¯æ ªåŒã®ããã«ååŒãããéåžžãæè³ä¿¡èšãããçµè²»çãäœãã§ããããªãã®æè³ç®æšãšãªã¹ã¯èš±å®¹åºŠã«åã£ããã¡ã³ããéžã³ãŸãããã
äºäŸïŒãã³ã¬ãŒãã»ããŒã¿ã«ã»ã¹ããã¯ã»ããŒã±ããETFïŒVTIïŒã¯ãç±³åœæ ªåŒåžå Žå šäœãžã®åæ£ããããšã¯ã¹ããŒãžã£ãŒãæäŸããå€ãã®åœéçãªãããŒã«ãŒãéããŠè³Œå ¥ã§ãããããã°ããŒãã«ãªæè³å®¶ã«äººæ°ã®ETFã§ãã
ã°ããŒãã«æè³å®¶åãã®è¿œå èæ ®äºé
ã°ããŒãã«åããäžçã§å¯ãç¯ãããšã¯ããŠããŒã¯ãªæ©äŒãšèª²é¡ããããããŸããèæ ®ãã¹ãããã€ãã®èŠå ã以äžã«ç€ºããŸãã
1. çºæ¿ã¬ãŒã
çºæ¿ã¬ãŒãã®å€åã¯ãããªãã®æè³äŸ¡å€ã«åœ±é¿ãäžããå¯èœæ§ããããŸãããã®ãªã¹ã¯ã軜æžããããã«ãç°ãªãé貚ã«ããã£ãŠæè³ã忣ãããããšãæ€èšããŠãã ãããåœéçã«æè³ããéã¯ãçºæ¿ææ°æã«æ³šæããŠãã ãããXEãGoogle Financeã®ãããªé貚ã³ã³ããŒã¿ãŒã䜿çšããŠé貚ãæç®ã§ããŸãã
äºäŸïŒãŠãŒãåã®äŒæ¥ã«æè³ããç±³åœã®æè³å®¶ã¯ãEUR/USDçºæ¿ã¬ãŒãã«å¿ããŠæè³äŸ¡å€ãå€åããã®ãèŠãããšã«ãªããŸãã
2. çšå¶
çšæ³ã¯åœã«ãã£ãŠå€§ããç°ãªããŸãããã£ãã¿ã«ã²ã€ã³çšãé åœçšãæåŸçšãªã©ãããªãã®æè³ã«å¯Ÿããçšåäžã®åœ±é¿ãçè§£ããŸããããåœéçšæ³ã«ç²Ÿéããçšåã¢ããã€ã¶ãŒã«å©èšãæ±ããããšãæ€èšããŠãã ããã
å®è·µçãªæŽå¯ïŒçšè² æ ãæå°éã«æããããã«ãéè·åå®ïŒ401(k)ãIRAãããã³ããªãã®åœã«ãããåçã®ãã®ïŒãªã©ã®çšå¶åªéã®ããæè³å£åº§ã掻çšããŸãããã
3. ã€ã³ãã¬ãŒã·ã§ã³
ã€ã³ãã¬ãŒã·ã§ã³ã¯ãããªãã®ãéã®è³Œè²·åã䟵é£ããŸããæ ªåŒãäžåç£ãã€ã³ãã¬é£ååµãªã©ãæéãšãšãã«äŸ¡å€ãäžæããåŸåã«ããè³ç£ã«æè³ããããšã§ãã€ã³ãã¬ããããªãã®æè³ãå®ããŸããããã€ã³ãã¬å§åã«å¯ŸããŠç°ãªãåå¿ã瀺ãè³ç£ã«ããŒããã©ãªãªã忣ãããŠãã ããã
äºäŸïŒã¢ã«ãŒã³ãã³ã§ã¯ãé«ãã€ã³ãã¬çã«ãããå€ãã®äººã ã貯èã®äŸ¡å€ãç¶æããããã«ç±³ãã«ãã€ã³ãã¬é£ååœåµã«æè³ããŠããŸãã
4. æ¿æ²»çã»çµæžçãªã¹ã¯
æ¿æ²»çäžå®å®ãçµæžã®äœè¿·ã¯ãããªãã®æè³äŸ¡å€ã«åœ±é¿ãäžããå¯èœæ§ããããŸãããããã®ãªã¹ã¯ã軜æžããããã«ãç°ãªãåœãè³ç£ã¯ã©ã¹ã«ããã£ãŠæè³ã忣ãããŸããããäžçã®çµæžçã»æ¿æ²»çã€ãã³ãã«ã€ããŠåžžã«æ å ±ãåŸãŠãããŸãããã
å®è·µçãªæŽå¯ïŒå®æçã«æè³ããŒããã©ãªãªãèŠçŽããå€åããåžå Žç¶æ³ãããªãã®ãªã¹ã¯èš±å®¹åºŠã«åºã¥ããŠå¿ èŠã«å¿ããŠèª¿æŽãè¡ããŸãããã
5. éèãµãŒãã¹ãžã®ã¢ã¯ã»ã¹
éè¡ãæè³å£åº§ãªã©ã®éèãµãŒãã¹ãžã®ã¢ã¯ã»ã¹ã¯ãããªãã®æåšå°ã«ãã£ãŠç°ãªãå ŽåããããŸããããŸããŸãªéèæ©é¢ã調æ»ããç«¶äºåã®ããéå©ãäœãææ°æã䟿å©ãªãµãŒãã¹ãæäŸããæ©é¢ãéžã³ãŸããããå©çšå¯èœãªå Žåã¯ããªã³ã©ã€ã³ãã©ãããã©ãŒã ãããžã¿ã«ãã³ãã³ã°ãœãªã¥ãŒã·ã§ã³ã®å©çšãæ€èšããŠãã ããããããã¯ãã°ãã°ãããã¢ã¯ã»ã¹ããããæé ãªãªãã·ã§ã³ãæäŸããŸãã
äºäŸïŒå€ãã®çºå±éäžåœã§ã¯ãã¢ãã€ã«ãã³ãã³ã°ãã¢ãã€ã«æ±ºæžã·ã¹ãã ãéèå æã®ããã®éèŠãªããŒã«ãšãªã£ãŠãããé éå°ã§ãããéè¡ãµãŒãã¹ãžã®ã¢ã¯ã»ã¹ãæäŸããŠããŸãã
éèŠãªãã€ã³ãïŒçµæžçèªç±ãžã®é
è³ç£åœ¢æã¯ãäžè²«ããåªåãèŠåŸããããŠé·æçãªèŠç¹ãå¿ èŠãšããæ ã§ãããã®ã¬ã€ãã§æŠèª¬ããæŠç¥ãå®è¡ããããšã§ãçŸåšã®åå ¥ã¬ãã«ã«é¢ããããããªãã®è²¡åç¶æ³ãæ¹åãã財åç®æšãéæããããšãã§ããŸããæãéèŠãªãã€ã³ãã以äžã«ãŸãšããŸãã
- éèãªãã©ã·ãŒãåªå ããïŒããŒãœãã«ãã¡ã€ãã³ã¹ã«ã€ããŠåŠã³ãåžå Žã®ååã«ã€ããŠåžžã«æ å ±ãåŸãŸãããã
- äºç®ãäœæããïŒåå ¥ãšæ¯åºã远跡ããç¯çŽã§ããåéãç¹å®ããŸãããã
- äžè²«ããŠè²¯èããïŒè²¯èãç¿æ £ã«ããå°é¡ããå§ããŠæéãšãšãã«å¢ãããŠãããŸãããã
- åµåã管çããïŒé«éå©ã®åéãã§ããã ãæ©ãè¿æžããããã®èšç»ãç«ãŠãŸãããã
- è³¢ãæè³ããïŒãªã¹ã¯èš±å®¹åºŠãšæé軞ãèæ ®ããŠãç°ãªãè³ç£ã¯ã©ã¹ã«ããã£ãŠæè³ã忣ãããŸãããã
- ã°ããŒãã«ãªç¶æ³ã«é©å¿ããïŒçºæ¿ã¬ãŒããçšå¶ãã€ã³ãã¬ãæ¿æ²»çãªã¹ã¯ã«æ³šæãæããŸãããã
- å°éå®¶ã®ã¢ããã€ã¹ãæ±ããïŒå¿ èŠã«å¿ããŠãã¡ã€ãã³ã·ã£ã«ã¢ããã€ã¶ãŒã«çžè«ããåå¥ã®æå°ãåããŸãããã
èŠããŠãããŠãã ãããå¯ãžã®éã®ãã¯å¿ ãããçŽç·çã§ã¯ãããŸãããæµ®ãæ²ã¿ãããã§ããããããããç®æšã«éäžããè³¢æãªéèäžã®æææ±ºå®ãè¡ããå€åããç¶æ³ã«é©å¿ããããšã§ãçµæžçèªç±ãéæããå¯èœæ§ãé«ããããšãã§ããŸãã仿¥ããå§ããã°ãããå®å šã§è±ããªæªæ¥ãžã®éãé 調ã«é²ãããšãã§ããã§ãããã
æåŸã«ïŒçµæžçèªç±ã¯ããªãã®æã®å±ããšããã«ãããŸããããã¯ç®çå°ã§ã¯ãªããæ ã§ãããã®ããã»ã¹ãåãå ¥ããçµéšããåŠã³ã財åç®æšã«ã³ããããç¶ããŠãã ãããæªæ¥ã®ããªãèªèº«ãæè¬ããã§ãããã