{"id":1331,"date":"2026-07-25T09:24:35","date_gmt":"2026-07-25T00:24:35","guid":{"rendered":"https:\/\/www.ky-consultant.jp\/blog\/?p=1331"},"modified":"2026-08-16T06:33:59","modified_gmt":"2026-08-15T21:33:59","slug":"ideco-2026-kaisei","status":"publish","type":"post","link":"https:\/\/www.ky-consultant.jp\/blog\/ideco-2026-kaisei\/","title":{"rendered":"iDeCo\u304c2026\u5e74\u672b\u306b\u5927\u6539\u6b63\u3002\u4f1a\u793e\u54e1\u306e\u639b\u91d1\u4e0a\u9650\u304c2.7\u500d\u306b\u306a\u308b"},"content":{"rendered":"<p>&#x1f4d6; \u3053\u306e\u8a18\u4e8b\u306f\u7d041,800\u6587\u5b57\u3067\u3059\uff08\u8aad\u4e86\u76ee\u5b89\uff1a\u7d044\u5206\uff09<\/p>\n<p>2026\u5e7412\u6708\u304b\u3089iDeCo\uff08\u500b\u4eba\u578b\u78ba\u5b9a\u62e0\u51fa\u5e74\u91d1\uff09\u304c\u5927\u5e45\u306b\u6539\u6b63\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u4f1a\u793e\u54e1\u3078\u306e\u5f71\u97ff\u304c\u5927\u304d\u304f\u3001\u639b\u3051\u91d1\u306e\u4e0a\u9650\u304c\u6700\u59272.7\u500d\u306b\u5f15\u304d\u4e0a\u3052\u3089\u308c\u307e\u3059\u3002\u3053\u308c\u307e\u3067iDeCo\u306f\u300c\u4f1a\u793e\u54e1\u306b\u306f\u7269\u8db3\u308a\u306a\u3044\u5236\u5ea6\u300d\u3068\u3044\u3046\u5370\u8c61\u304c\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u6539\u6b63\u3067\u305d\u306e\u8a55\u4fa1\u304c\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>iDeCo\u306e\u57fa\u672c\u7684\u306a\u4ed5\u7d44\u307f\u3092\u304a\u3055\u3089\u3044<\/h2>\n<p>iDeCo\u3068\u306f\u3001\u81ea\u5206\u3067\u639b\u3051\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u306660\u6b73\u4ee5\u964d\u306b\u5e74\u91d1\u307e\u305f\u306f\u4e00\u6642\u91d1\u3068\u3057\u3066\u53d7\u3051\u53d6\u308b\u5236\u5ea6\u3067\u3059\u3002\u6700\u5927\u306e\u7279\u5fb4\u306f\u300c\u639b\u3051\u91d1\u304c\u5168\u984d\u6240\u5f97\u63a7\u9664\u306b\u306a\u308b\u3053\u3068\u300d\u3067\u3059\u3002\u3064\u307e\u308a\u7a4d\u307f\u7acb\u3066\u305f\u5206\u3060\u3051\u8ab2\u7a0e\u6240\u5f97\u304c\u6e1b\u308a\u3001\u6240\u5f97\u7a0e\u30fb\u4f4f\u6c11\u7a0e\u304c\u7bc0\u7a0e\u3067\u304d\u307e\u3059\u3002\u3055\u3089\u306b\u904b\u7528\u76ca\u304c\u975e\u8ab2\u7a0e\u3001\u53d7\u3051\u53d6\u308a\u6642\u306b\u3082\u63a7\u9664\u304c\u9069\u7528\u3055\u308c\u308b\u4e09\u91cd\u306e\u7bc0\u7a0e\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u6539\u6b63\u5185\u5bb9\uff1a\u639b\u3051\u91d1\u306e\u4e0a\u9650\u304c\u5927\u5e45\u5f15\u304d\u4e0a\u3052<\/h2>\n<div style=\"overflow-x: auto; margin-bottom: 1em\">\n<table style=\"border-collapse: collapse; width: auto\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u533a\u5206<\/th>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u6539\u6b63\u524d<\/th>\n<th style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u6539\u6b63\u5f8c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u81ea\u55b6\u696d\u30fb\u30d5\u30ea\u30fc\u30e9\u30f3\u30b9<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67086.8\u4e07\u5186<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67087.5\u4e07\u5186<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u4f1a\u793e\u54e1\u30fb\u516c\u52d9\u54e1\uff08\u4f01\u696d\u5e74\u91d1\u306a\u3057\uff09<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67082.3\u4e07\u5186<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67086.2\u4e07\u5186<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u4f1a\u793e\u54e1\u30fb\u516c\u52d9\u54e1\uff08\u4f01\u696d\u5e74\u91d1\u3042\u308a\uff09<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67082\u4e07\u5186<\/td>\n<td style=\"border: 1px solid #ccc; padding: 4px 8px; white-space: nowrap\">\u67086.2\u4e07\u5186<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u6700\u3082\u5927\u304d\u306a\u5909\u5316\u306f\u3001\u4f01\u696d\u5e74\u91d1\u306e\u306a\u3044\u4f1a\u793e\u54e1\u306e\u4e0a\u9650\u304c\u67082.3\u4e07\u5186\u304b\u3089\u67086.2\u4e07\u5186\u3078\u3068\u7d042.7\u500d\u306b\u5f15\u304d\u4e0a\u304c\u308b\u70b9\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u307e\u3067\u300c\u4f1a\u793e\u54e1\u306fiDeCo\u306e\u4e0a\u9650\u304c\u4f4e\u304f\u3066\u4f7f\u3044\u306b\u304f\u3044\u300d\u3068\u3044\u3046\u58f0\u304c\u591a\u304f\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u6539\u6b63\u3067NISA\u3068\u7d44\u307f\u5408\u308f\u305b\u305f\u672c\u683c\u7684\u306a\u7bc0\u7a0e\u578b\u8cc7\u7523\u5f62\u6210\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u7bc0\u7a0e\u52b9\u679c\u306e\u5177\u4f53\u4f8b<\/h2>\n<p>\u5e74\u53ce500\u4e07\u5186\u306e\u4f1a\u793e\u54e1\uff08\u6240\u5f97\u7a0e\u738720%\u30fb\u4f4f\u6c11\u7a0e\u738710%\uff09\u304c\u67086.2\u4e07\u5186\u3092\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\uff1a<\/p>\n<p>\u5e74\u9593\u639b\u3051\u91d1\uff1a74.4\u4e07\u5186<br \/>\n\u7bc0\u7a0e\u52b9\u679c\uff08\u6240\u5f97\u7a0e+\u4f4f\u6c11\u7a0e30%\uff09\uff1a74.4\u4e07\u5186 \u00d7 30% = \u7d0422.3\u4e07\u5186\/\u5e74<\/p>\n<p>\u3053\u308c\u307e\u3067\u306f\u67082.3\u4e07\u5186\uff08\u5e7427.6\u4e07\u5186\uff09\u304c\u4e0a\u9650\u3060\u3063\u305f\u305f\u3081\u3001\u7bc0\u7a0e\u52b9\u679c\u306f\u7d048.3\u4e07\u5186\/\u5e74\u3067\u3057\u305f\u3002\u6539\u6b63\u5f8c\u306f\u7d0422.3\u4e07\u5186\/\u5e74\u3068\u5927\u5e45\u306b\u5897\u3048\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>\u6ce8\u610f\u70b9\uff1a60\u6b73\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044<\/h2>\n<p>iDeCo\u306e\u6700\u5927\u306e\u30c7\u30e1\u30ea\u30c3\u30c8\u306f\u300c60\u6b73\u307e\u3067\u539f\u5247\u3068\u3057\u3066\u5f15\u304d\u51fa\u305b\u306a\u3044\u300d\u3053\u3068\u3067\u3059\u3002\u7dca\u6025\u4e88\u5099\u8cc7\u91d1\u3084\u8fd1\u3044\u5c06\u6765\u4f7f\u3046\u4e88\u5b9a\u306e\u304a\u91d1\u3092iDeCo\u306b\u56de\u3057\u3066\u3057\u307e\u3046\u3068\u3001\u3044\u3056\u3068\u3044\u3046\u3068\u304d\u306b\u5bfe\u5fdc\u3067\u304d\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>iDeCo\u306b\u56de\u3059\u91d1\u984d\u306f\u300c\u9577\u671f\u9593\u4f7f\u308f\u306a\u304f\u3066\u3088\u3044\u4f59\u5270\u8cc7\u91d1\u300d\u306e\u7bc4\u56f2\u5185\u306b\u7559\u3081\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002NISA\u306f\u9014\u4e2d\u3067\u5f15\u304d\u51fa\u305b\u308b\u305f\u3081\u3001\u307e\u305aNISA\u3067\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306b\u7d9a\u304f\u7b2c\u4e8c\u306e\u8cc7\u7523\u3092\u4f5c\u308a\u3001\u3055\u3089\u306b\u4f59\u88d5\u304c\u3042\u308c\u3070iDeCo\u3092\u6d3b\u7528\u3059\u308b\u3068\u3044\u3046\u9806\u756a\u304c\u591a\u304f\u306e\u4eba\u306b\u3068\u3063\u3066\u5408\u7406\u7684\u3067\u3059\u3002<\/p>\n<hr \/>\n<h2>2026\u5e7412\u6708\u4ee5\u964d\u306e\u4f1a\u793e\u54e1\u5411\u3051\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3<\/h2>\n<p>\u6539\u6b63\u5f8c\u3001\u4f1a\u793e\u54e1\u304ciDeCo\u3092\u30d5\u30eb\u6d3b\u7528\u3057\u305f\u5834\u5408\u306e\u7bc0\u7a0e\u52b9\u679c\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002<\/p>\n<p>\u5e74\u53ce400\u4e07\u5186\uff08\u6240\u5f97\u7a0e\u738710%\u30fb\u4f4f\u6c11\u7a0e\u738710%\uff09\u306e\u65b9\u304c\u67086.2\u4e07\u5186\u3092\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\uff1a<br \/>\n&#8211; \u5e74\u9593\u639b\u3051\u91d1\uff1a74.4\u4e07\u5186<br \/>\n&#8211; \u7bc0\u7a0e\u52b9\u679c\uff0820%\uff09\uff1a74.4\u4e07\u5186 \u00d7 20% = \u7d0414.9\u4e07\u5186\/\u5e74<\/p>\n<p>\u5e74\u53ce600\u4e07\u5186\uff08\u6240\u5f97\u7a0e\u738720%\u30fb\u4f4f\u6c11\u7a0e\u738710%\uff09\u306e\u65b9\u304c\u67086.2\u4e07\u5186\u3092\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\uff1a<br \/>\n&#8211; \u5e74\u9593\u639b\u3051\u91d1\uff1a74.4\u4e07\u5186<br \/>\n&#8211; \u7bc0\u7a0e\u52b9\u679c\uff0830%\uff09\uff1a74.4\u4e07\u5186 \u00d7 30% = \u7d0422.3\u4e07\u5186\/\u5e74<\/p>\n<p>\u5e74\u53ce\u304c\u9ad8\u3044\u65b9\u307b\u3069\u7bc0\u7a0e\u52b9\u679c\u304c\u5927\u304d\u304f\u3001iDeCo\u306e\u6069\u6075\u3092\u53d7\u3051\u3084\u3059\u3044\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<hr \/>\n<h2>NISA\u3068iDeCo\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u6226\u7565<\/h2>\n<p>2026\u5e7412\u6708\u4ee5\u964d\u306f\u300cNISA\u5e74\u9593360\u4e07\u5186\uff0biDeCo\u67086.2\u4e07\u5186\uff08\u5e7474.4\u4e07\u5186\uff09\u300d\u3068\u3044\u3046\u7d44\u307f\u5408\u308f\u305b\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002NISA\u306f\u6d41\u52d5\u6027\u304c\u9ad8\u3044\u305f\u3081\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\u306e\u6b21\u306e\u8cc7\u7523\u3068\u3057\u3066\u3001iDeCo\u306f\u5b8c\u5168\u306b\u8001\u5f8c\u8cc7\u91d1\u3068\u3057\u3066\u2014\u2014\u3068\u3044\u3046\u4f7f\u3044\u5206\u3051\u304c\u7406\u60f3\u7684\u3067\u3059\u3002<\/p>\n<p>\u300c60\u6b73\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044iDeCo\u300d\u306f\u3001\u9006\u306b\u8a00\u3048\u3070\u8001\u5f8c\u8cc7\u91d1\u3068\u3057\u3066\u78ba\u5b9f\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u3068\u3044\u3046\u30e1\u30ea\u30c3\u30c8\u306b\u3082\u306a\u308a\u307e\u3059\u3002\u624b\u3092\u3064\u3051\u305f\u304f\u306a\u3044\u8001\u5f8c\u8cc7\u91d1\u3092\u5b88\u308b\u305f\u3081\u306e\u4ed5\u7d44\u307f\u3068\u3057\u3066\u6d3b\u7528\u3059\u308b\u3053\u3068\u3092\u691c\u8a0e\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<hr \/>\n<p>2026\u5e74\u672b\u306e\u6539\u6b63\u306f\u3001\u4f1a\u793e\u54e1\u306b\u3068\u3063\u3066iDeCo\u3092\u6d3b\u7528\u3059\u308b\u30c1\u30e3\u30f3\u30b9\u304c\u5927\u304d\u304f\u5e83\u304c\u308b\u8ee2\u63db\u70b9\u3067\u3059\u3002\u639b\u91d1\u4e0a\u9650\u306e\u5f15\u304d\u4e0a\u3052\u3092\u30d5\u30eb\u6d3b\u7528\u3067\u304d\u308b\u304b\u3069\u3046\u304b\u3001\u4eca\u306e\u3046\u3061\u306b\u8077\u5834\u306e\u898f\u5b9a\u3068\u81ea\u5206\u306e\u4f59\u88d5\u3092\u3042\u308f\u305b\u3066\u78ba\u8a8d\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p><a href=\"https:\/\/lin.ee\/ZEGGS0Df\"><img decoding=\"async\" src=\"https:\/\/scdn.line-apps.com\/n\/line_add_friends\/btn\/ja.png\" alt=\"\u53cb\u3060\u3061\u8ffd\u52a0\" height=\"36\" border=\"0\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#x1f4d6; 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