FIRE\uff08Financial Independence, Retire Early\uff09\u3092\u76ee\u6307\u3059\u4e0a\u3067\u3001\u6700\u3082\u91cd\u8981\u306a\u6307\u6a19\u306e\u4e00\u3064\u304c\u300c\u8caf\u84c4\u7387\u300d\u3067\u3059\u3002\u8caf\u84c4\u7387\u3092\u9ad8\u3081\u308b\u3053\u3068\u3067\u3001\u8cc7\u7523\u5f62\u6210\u306e\u30b9\u30d4\u30fc\u30c9\u3092\u52a0\u901f\u3055\u305b\u3001\u65e9\u671f\u30ea\u30bf\u30a4\u30a2\u3092\u73fe\u5b9f\u306e\u3082\u306e\u306b\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001FIRE\u9054\u6210\u306b\u6b20\u304b\u305b\u306a\u3044\u7bc0\u7d04\u8853\u3068\u52b9\u7387\u7684\u306a\u6295\u8cc7\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n
1. \u8caf\u84c4\u7387\u3068\u306f\uff1f\u305d\u306e\u91cd\u8981\u6027<\/strong><\/p>\n\n\n\n 1-1. \u8caf\u84c4\u7387\u306e\u8a08\u7b97\u65b9\u6cd5<\/strong><\/p>\n\n\n\n \u8caf\u84c4\u7387\u306f\u4ee5\u4e0b\u306e\u5f0f\u3067\u8a08\u7b97\u3055\u308c\u307e\u3059\uff1a<\/p>\n\n\n\n \u8caf\u84c4\u7387 =\uff08\u53ce\u5165 \u2013 \u652f\u51fa\uff09\u00f7 \u53ce\u5165 \u00d7 100<\/strong><\/p>\n\n\n\n \u4f8b\uff1a<\/p>\n\n\n\n \u2022 \u53ce\u5165\uff1a\u670840\u4e07\u5186<\/p>\n\n\n\n \u2022 \u652f\u51fa\uff1a\u670820\u4e07\u5186<\/p>\n\n\n\n \u2022 \u8caf\u84c4\u7387 =\uff0840\u4e07\u5186 \u2013 20\u4e07\u5186\uff09\u00f7 40\u4e07\u5186 \u00d7 100 = 50\uff05<\/p>\n\n\n\n 1-2. \u9ad8\u8caf\u84c4\u7387\u304cFIRE\u306b\u4e0e\u3048\u308b\u5f71\u97ff<\/strong><\/p>\n\n\n\n \u8caf\u84c4\u7387\u3092\u9ad8\u3081\u308b\u307b\u3069\u3001FIRE\u9054\u6210\u306b\u5fc5\u8981\u306a\u671f\u9593\u304c\u77ed\u7e2e\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n \u8caf\u84c4\u7387\u3068FIRE\u9054\u6210\u671f\u9593\u306e\u95a2\u4fc2<\/strong><\/p>\n\n\n\n \u2022 \u8caf\u84c4\u738720\uff05\uff1a35\uff5e40\u5e74<\/p>\n\n\n\n \u2022 \u8caf\u84c4\u738750\uff05\uff1a15\uff5e20\u5e74<\/p>\n\n\n\n \u2022 \u8caf\u84c4\u738770\uff05\uff1a10\u5e74\u4ee5\u4e0b<\/p>\n\n\n\n \u9ad8\u8caf\u84c4\u7387\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u3067\u3001\u65e9\u671f\u30ea\u30bf\u30a4\u30a2\u304c\u73fe\u5b9f\u7684\u306a\u76ee\u6a19\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n 2. \u8caf\u84c4\u7387\u3092\u9ad8\u3081\u308b\u305f\u3081\u306e\u7bc0\u7d04\u8853<\/strong><\/p>\n\n\n\n \u652f\u51fa\u3092\u524a\u6e1b\u3059\u308b\u3053\u3068\u3067\u3001\u7121\u7406\u306a\u304f\u8caf\u84c4\u7387\u3092\u5411\u4e0a\u3055\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n 2-1. \u56fa\u5b9a\u8cbb\u306e\u898b\u76f4\u3057<\/strong><\/p>\n\n\n\n \u56fa\u5b9a\u8cbb\u306f\u7bc0\u7d04\u52b9\u679c\u304c\u5927\u304d\u304f\u3001\u9577\u671f\u9593\u306b\u308f\u305f\u3063\u3066\u30e1\u30ea\u30c3\u30c8\u3092\u4eab\u53d7\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \u7bc0\u7d04\u30dd\u30a4\u30f3\u30c8<\/strong><\/p>\n\n\n\n \u2022 \u4f4f\u5c45\u8cbb<\/strong><\/p>\n\n\n\n \u5bb6\u8cc3\u306e\u5b89\u3044\u30a8\u30ea\u30a2\u3078\u306e\u5f15\u3063\u8d8a\u3057\u3084\u30b7\u30a7\u30a2\u30cf\u30a6\u30b9\u306e\u6d3b\u7528\u3067\u7bc0\u7d04\u53ef\u80fd\u3002<\/p>\n\n\n\n \u2022 \u901a\u4fe1\u8cbb<\/strong><\/p>\n\n\n\n \u683c\u5b89SIM\u3092\u5229\u7528\u3057\u3066\u3001\u67085,000\u5186\u4ee5\u4e0a\u306e\u524a\u6e1b\u3092\u76ee\u6307\u3059\u3002<\/p>\n\n\n\n \u2022 \u4fdd\u967a\u6599<\/strong><\/p>\n\n\n\n \u4e0d\u5fc5\u8981\u306a\u4fdd\u969c\u3092\u6e1b\u3089\u3057\u3001\u6700\u4f4e\u9650\u306e\u30d7\u30e9\u30f3\u306b\u5909\u66f4\u3059\u308b\u3002<\/p>\n\n\n\n 2-2. \u5909\u52d5\u8cbb\u306e\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb<\/strong><\/p>\n\n\n\n \u65e5\u3005\u306e\u652f\u51fa\u3092\u7ba1\u7406\u3059\u308b\u3053\u3068\u3067\u3001\u5909\u52d5\u8cbb\u3092\u524a\u6e1b\u3057\u307e\u3059\u3002<\/p>\n\n\n\n \u7bc0\u7d04\u30dd\u30a4\u30f3\u30c8<\/strong><\/p>\n\n\n\n \u2022 \u98df\u8cbb<\/strong><\/p>\n\n\n\n \u81ea\u708a\u3092\u4e2d\u5fc3\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u67081\u4e07\u5186\u4ee5\u4e0a\u306e\u7bc0\u7d04\u304c\u53ef\u80fd\u3002<\/p>\n\n\n\n \u2022 \u5a2f\u697d\u8cbb<\/strong><\/p>\n\n\n\n \u56f3\u66f8\u9928\u3084\u7121\u6599\u30a4\u30d9\u30f3\u30c8\u3092\u6d3b\u7528\u3057\u3066\u3001\u4f4e\u30b3\u30b9\u30c8\u3067\u697d\u3057\u3080\u3002<\/p>\n\n\n\n \u2022 \u8cb7\u3044\u7269<\/strong><\/p>\n\n\n\n \u5fc5\u8981\u306a\u3082\u306e\u3060\u3051\u3092\u30ea\u30b9\u30c8\u5316\u3057\u3001\u885d\u52d5\u8cb7\u3044\u3092\u9632\u3050\u3002<\/p>\n\n\n\n 2-3. \u7bc0\u7d04\u3092\u7fd2\u6163\u5316\u3059\u308b<\/strong><\/p>\n\n\n\n \u7bc0\u7d04\u3092\u4e00\u6642\u7684\u306a\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u65e5\u5e38\u751f\u6d3b\u306e\u7fd2\u6163\u306b\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n\n\n\n \u65b9\u6cd5<\/strong><\/p>\n\n\n\n \u2022 \u5bb6\u8a08\u7c3f\u306e\u6d3b\u7528<\/strong><\/p>\n\n\n\n \u652f\u51fa\u3092\u53ef\u8996\u5316\u3057\u3001\u524a\u6e1b\u30dd\u30a4\u30f3\u30c8\u3092\u898b\u3064\u3051\u308b\u3002<\/p>\n\n\n\n \u2022 \u4e88\u7b97\u3092\u8a2d\u5b9a<\/strong><\/p>\n\n\n\n \u6708\u3054\u3068\u306e\u652f\u51fa\u4e0a\u9650\u3092\u6c7a\u3081\u3066\u3001\u305d\u308c\u3092\u5b88\u308b\u3002<\/p>\n\n\n\n \u2022 \u7bc0\u7d04\u4ef2\u9593\u3068\u60c5\u5831\u5171\u6709<\/strong><\/p>\n\n\n\n \u7bc0\u7d04\u8853\u3092\u5171\u6709\u3057\u3001\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u7dad\u6301\u3059\u308b\u3002<\/p>\n\n\n\n 3. \u6295\u8cc7\u30d7\u30e9\u30f3\u3067\u8cc7\u7523\u3092\u5897\u3084\u3059<\/strong><\/p>\n\n\n\n \u8caf\u84c4\u3060\u3051\u3067\u306a\u304f\u3001\u6295\u8cc7\u306b\u3088\u3063\u3066\u8cc7\u7523\u3092\u5897\u3084\u3059\u3053\u3068\u304cFIRE\u306e\u9375\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n 3-1. \u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u6295\u8cc7\u3067\u8cc7\u7523\u5f62\u6210<\/strong><\/p>\n\n\n\n \u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u4f4e\u30b3\u30b9\u30c8\u3067\u5206\u6563\u6295\u8cc7\u304c\u53ef\u80fd\u3067\u3001\u9577\u671f\u7684\u306b\u5b89\u5b9a\u3057\u305f\u30ea\u30bf\u30fc\u30f3\u304c\u671f\u5f85\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \u6295\u8cc7\u306e\u30dd\u30a4\u30f3\u30c8<\/strong><\/p>\n\n\n\n \u2022 S&P500\u3084\u5168\u4e16\u754c\u682a\u5f0f\u578b\u30d5\u30a1\u30f3\u30c9<\/strong><\/p>\n\n\n\n \u6210\u9577\u5e02\u5834\u306b\u6295\u8cc7\u3057\u3001\u9577\u671f\u7684\u306a\u30ea\u30bf\u30fc\u30f3\u3092\u72d9\u3046\u3002<\/p>\n\n\n\n \u2022 \u7a4d\u7acbNISA\u306e\u6d3b\u7528<\/strong><\/p>\n\n\n\n \u5e74\u959340\u4e07\u5186\u307e\u3067\u306e\u975e\u8ab2\u7a0e\u67a0\u3092\u6d3b\u7528\u3057\u3001\u7a4d\u7acb\u6295\u8cc7\u3092\u884c\u3046\u3002<\/p>\n\n\n\n 3-2. \u9ad8\u914d\u5f53\u682a\u3067\u53ce\u5165\u3092\u5f97\u308b<\/strong><\/p>\n\n\n\n \u9ad8\u914d\u5f53\u682a\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3067\u3001\u914d\u5f53\u91d1\u3092\u751f\u6d3b\u8cbb\u306b\u5145\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n \u30e1\u30ea\u30c3\u30c8<\/strong><\/p>\n\n\n\n \u2022 \u5b9a\u671f\u7684\u306a\u914d\u5f53\u53ce\u5165\u304c\u5f97\u3089\u308c\u308b<\/p>\n\n\n\n \u2022 \u518d\u6295\u8cc7\u3059\u308b\u3053\u3068\u3067\u8cc7\u7523\u5f62\u6210\u304c\u52a0\u901f\u3059\u308b<\/p>\n\n\n\n 3-3. REIT\u3084\u4e0d\u52d5\u7523\u6295\u8cc7\u306e\u6d3b\u7528<\/strong><\/p>\n\n\n\n \u5c11\u984d\u304b\u3089\u59cb\u3081\u3089\u308c\u308b\u4e0d\u52d5\u7523\u6295\u8cc7\u3067\u8cc7\u7523\u3092\u591a\u69d8\u5316\u3057\u307e\u3059\u3002<\/p>\n\n\n\n \u4e0d\u52d5\u7523\u6295\u8cc7\u306e\u30dd\u30a4\u30f3\u30c8<\/strong><\/p>\n\n\n\n \u2022 REIT\uff08\u4e0d\u52d5\u7523\u6295\u8cc7\u4fe1\u8a17\uff09<\/strong><\/p>\n\n\n\n \u5206\u914d\u91d1\u3092\u5f97\u308b\u3068\u540c\u6642\u306b\u3001\u5206\u6563\u6295\u8cc7\u304c\u53ef\u80fd\u3002<\/p>\n\n\n\n \u2022 \u4e0d\u52d5\u7523\u30af\u30e9\u30a6\u30c9\u30d5\u30a1\u30f3\u30c7\u30a3\u30f3\u30b0<\/strong><\/p>\n\n\n\n 1\u4e07\u5186\u304b\u3089\u59cb\u3081\u3089\u308c\u308b\u5c11\u984d\u6295\u8cc7\u3002<\/p>\n\n\n\n 4. FIRE\u5f8c\u306e\u751f\u6d3b\u3092\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b<\/strong><\/p>\n\n\n\n FIRE\u9054\u6210\u5f8c\u306b\u5fc5\u8981\u306a\u751f\u6d3b\u8cbb\u3068\u3001\u305d\u308c\u3092\u652f\u3048\u308b\u8cc7\u7523\u8a08\u753b\u3092\u660e\u78ba\u306b\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n 4-1. \u5fc5\u8981\u8cc7\u7523\u984d\u306e\u8a08\u7b97<\/strong><\/p>\n\n\n\n \u8a08\u7b97\u5f0f<\/strong><\/p>\n\n\n\n \u2022 \u5fc5\u8981\u8cc7\u7523\u984d = \u5e74\u9593\u751f\u6d3b\u8cbb \u00d7 25\u500d\uff084\uff05\u30eb\u30fc\u30eb\uff09<\/strong><\/p>\n\n\n\n \u4f8b<\/strong><\/p>\n\n\n\n \u2022 \u5e74\u9593\u751f\u6d3b\u8cbb\uff1a200\u4e07\u5186<\/p>\n\n\n\n \u2022 \u5fc5\u8981\u8cc7\u7523\u984d\uff1a200\u4e07\u5186 \u00d7 25 = 5,000\u4e07\u5186<\/p>\n\n\n\n 4-2. \u751f\u6d3b\u8cbb\u3092\u4f4e\u304f\u6291\u3048\u308b\u5de5\u592b<\/strong><\/p>\n\n\n\n \u4f4e\u30b3\u30b9\u30c8\u3067\u751f\u6d3b\u3059\u308b\u65b9\u6cd5<\/strong><\/p>\n\n\n\n \u2022 \u5730\u65b9\u79fb\u4f4f\u3067\u4f4f\u5c45\u8cbb\u3092\u524a\u6e1b<\/p>\n\n\n\n \u2022 \u81ea\u7d66\u81ea\u8db3\u7684\u306a\u751f\u6d3b\u30b9\u30bf\u30a4\u30eb\u3092\u53d6\u308a\u5165\u308c\u308b<\/p>\n\n\n\n \u2022 \u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u30b5\u30fc\u30d3\u30b9\u3092\u6700\u9069\u5316<\/p>\n\n\n\n 5. \u8caf\u84c4\u7387\u3092\u5411\u4e0a\u3055\u305b\u308b\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u4fdd\u3061\u65b9<\/strong><\/p>\n\n\n\n FIRE\u307e\u3067\u306e\u9053\u306e\u308a\u306f\u9577\u3044\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u4fdd\u3064\u65b9\u6cd5\u3092\u5b9f\u8df5\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n \u65b9\u6cd5<\/strong><\/p>\n\n\n\n \u2022 \u9032\u6357\u3092\u8a18\u9332\u3059\u308b<\/strong><\/p>\n\n\n\n \u8cc7\u7523\u984d\u306e\u6210\u9577\u3092\u30b0\u30e9\u30d5\u3067\u8a18\u9332\u3057\u3001\u9054\u6210\u611f\u3092\u5f97\u308b\u3002<\/p>\n\n\n\n \u2022 \u3054\u8912\u7f8e\u3092\u8a2d\u5b9a\u3059\u308b<\/strong><\/p>\n\n\n\n \u7bc0\u76ee\u3054\u3068\u306b\u5c0f\u3055\u306a\u3054\u8912\u7f8e\u3092\u7528\u610f\u3059\u308b\u3002<\/p>\n\n\n\n \u2022 FIRE\u9054\u6210\u8005\u306e\u4e8b\u4f8b\u3092\u5b66\u3076<\/strong><\/p>\n\n\n\n \u6210\u529f\u8005\u306e\u4f53\u9a13\u8ac7\u3092\u53c2\u8003\u306b\u3001\u81ea\u5206\u306e\u76ee\u6a19\u3092\u518d\u78ba\u8a8d\u3059\u308b\u3002<\/p>\n\n\n\n \u307e\u3068\u3081<\/strong><\/p>\n\n\n\n \u8caf\u84c4\u7387\u3092\u9ad8\u3081\u308b\u3053\u3068\u306f\u3001FIRE\u9054\u6210\u306e\u9375\u3067\u3059\u3002\u3053\u306e\u8a18\u4e8b\u3067\u7d39\u4ecb\u3057\u305f\u7bc0\u7d04\u8853\u3068\u6295\u8cc7\u30d7\u30e9\u30f3\u3092\u7d44\u307f\u5408\u308f\u305b\u3001\u52b9\u7387\u7684\u306b\u8cc7\u7523\u3092\u5897\u3084\u3057\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002\u76ee\u6a19\u3092\u660e\u78ba\u306b\u3057\u3001\u8a08\u753b\u7684\u306b\u53d6\u308a\u7d44\u3080\u3053\u3068\u3067\u3001FIRE\u306f\u5e74\u53ce\u306b\u95a2\u4fc2\u306a\u304f\u5b9f\u73fe\u53ef\u80fd\u3067\u3059\u3002\u81ea\u5206\u306b\u5408\u3063\u305f\u65b9\u6cd5\u3092\u898b\u3064\u3051\u3001\u5c0f\u3055\u306a\u4e00\u6b69\u304b\u3089\u59cb\u3081\u3066\u307f\u3066\u304f\u3060\u3055\u3044\uff01<\/p>\n","protected":false},"excerpt":{"rendered":" FIRE\uff08Financial Independence, Retire Early\uff09\u3092\u76ee\u6307\u3059\u4e0a\u3067\u3001\u6700\u3082\u91cd\u8981\u306a\u6307\u6a19\u306e\u4e00\u3064\u304c\u300c\u8caf\u84c4\u7387\u300d\u3067\u3059\u3002\u8caf\u84c4\u7387\u3092\u9ad8\u3081\u308b\u3053\u3068\u3067\u3001\u8cc7\u7523\u5f62\u6210\u306e\u30b9\u30d4\u30fc\u30c9\u3092\u52a0\u901f\u3055\u305b\u3001\u65e9\u671f\u30ea\u30bf\u30a4\u30a2\u3092\u73fe\u5b9f\u306e\u3082\u306e\u306b\u3067\u304d\u307e … 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