{"id":2359,"date":"2026-05-19T14:09:17","date_gmt":"2026-05-19T05:09:17","guid":{"rendered":"https:\/\/fpyamagishi.com\/?p=2359"},"modified":"2026-05-19T14:09:18","modified_gmt":"2026-05-19T05:09:18","slug":"%e7%b1%b3%e5%9b%bd%e5%84%aa%e8%89%af%e5%82%b5%e5%88%b8etf%e3%80%8cagg%e3%83%bblqd%e3%80%8d%e3%81%a8%e3%81%af%ef%bc%9f20%e5%b9%b4%e3%81%ae%e6%8e%a8%e7%a7%bb%e3%83%bb%e5%88%a9%e7%8e%87%e3%83%bb%e3%82%aa","status":"publish","type":"post","link":"https:\/\/fpyamagishi.com\/?p=2359","title":{"rendered":"\u7c73\u56fd\u512a\u826f\u50b5\u5238ETF\u300cAGG\u30fbLQD\u300d\u3068\u306f\uff1f20\u5e74\u306e\u63a8\u79fb\u30fb\u5229\u7387\u30fb\u30aa\u30eb\u30ab\u30f3\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u65b9\u307e\u3067\u5fb9\u5e95\u30ac\u30a4\u30c9"},"content":{"rendered":"\n

\u300c\u6bce\u6708\u304a\u91d1\u304c\u5165\u3063\u3066\u304f\u308b\u8cc7\u7523\u3092\u6301\u3061\u305f\u3044\u300d\u300c\u682a\u5f0f\u3060\u3051\u3067\u306f\u6016\u3044\u300d\u2014\u2014\u305d\u3093\u306a\u60a9\u307f\u306b\u5fdc\u3048\u308b\u306e\u304c\u7c73\u56fd\u306e\u512a\u826f\u50b5\u5238ETF\u3001AGG<\/strong>\u3068LQD<\/strong>\u3067\u3059\u3002\u6bce\u6708\u5206\u914d\u91d1\u304c\u652f\u6255\u308f\u308c\u3001\u4e16\u754c\u4e2d\u306e\u6a5f\u95a2\u6295\u8cc7\u5bb6\u3082\u6d3b\u7528\u3059\u308b\u3053\u306e2\u3064\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u3001FP\u306e\u8996\u70b9\u3067\u5fb9\u5e95\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n

\n\n

\ud83d\udcda \u305d\u3082\u305d\u3082\u300c\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u300d\u3068\u306f\u4f55\u304b\uff1f<\/h2>\n\n

\u50b5\u5238\uff08Bond\uff09\u3068\u306f\u3001\u56fd\u3084\u4f01\u696d\u304c\u304a\u91d1\u3092\u501f\u308a\u308b\u3068\u304d\u306b\u767a\u884c\u3059\u308b\u300c\u501f\u7528\u8a3c\u66f8\u300d\u3067\u3059\u3002\u6295\u8cc7\u5bb6\u306f\u50b5\u5238\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u3067\u3001\u5b9a\u671f\u7684\u306b\u5229\u606f\uff08\u30af\u30fc\u30dd\u30f3\uff09\u3092\u53d7\u3051\u53d6\u308a\u3001\u6e80\u671f\u306b\u5143\u672c\u304c\u623b\u3063\u3066\u304f\u308b<\/strong>\u4ed5\u7d44\u307f\u3067\u3059\u3002<\/p>\n\n

\u6bd4\u8f03\u9805\u76ee<\/th>\u682a\u5f0f<\/th>\u50b5\u5238<\/th><\/tr><\/thead>
\u53ce\u76ca\u306e\u6e90\u6cc9<\/td>\u4f01\u696d\u306e\u6210\u9577\u30fb\u914d\u5f53<\/td>\u5229\u606f\uff08\u30af\u30fc\u30dd\u30f3\uff09\uff0b\u5143\u672c\u8fd4\u6e08<\/td><\/tr>
\u30ea\u30b9\u30af<\/td>\u9ad8\u3044\uff08\u5143\u672c\u4fdd\u8a3c\u306a\u3057\uff09<\/td>\u4f4e\u301c\u4e2d\uff08\u683c\u4ed8\u3051\u306b\u3088\u308b\uff09<\/td><\/tr>
\u666f\u6c17\u3068\u306e\u95a2\u4fc2<\/td>\u666f\u6c17\u304c\u826f\u3044\u3068\u4e0a\u304c\u308a\u3084\u3059\u3044<\/td>\u666f\u6c17\u60aa\u5316\u30fb\u91d1\u5229\u4f4e\u4e0b\u3067\u4e0a\u304c\u308a\u3084\u3059\u3044<\/td><\/tr>
\u5206\u914d\u91d1<\/td>\u4e0d\u5b9a\u671f\u30fb\u4f01\u696d\u6b21\u7b2c<\/td>\u5b9a\u671f\u7684\uff08\u591a\u304f\u306f\u534a\u5e74\u3054\u3068\u30fbETF\u306a\u3089\u6bce\u6708\uff09<\/td><\/tr>
\u5012\u7523\u6642\u306e\u512a\u5148\u9806\u4f4d<\/td>\u6700\u5f8c\uff08\u307b\u307c\u30bc\u30ed\u306b\u306a\u308b\u53ef\u80fd\u6027\uff09<\/td>\u682a\u4e3b\u3088\u308a\u5148\u306b\u5f01\u6e08\u3092\u53d7\u3051\u3089\u308c\u308b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\uff08Bond ETF\uff09\u3068\u306f\u3001\u3053\u3046\u3057\u305f\u50b5\u5238\u3092\u6570\u767e\u301c\u6570\u5343\u7a2e\u985e\u307e\u3068\u3081\u3066\u4fdd\u6709\u3059\u308bETF\u3067\u3059\u3002\u500b\u5225\u306e\u50b5\u5238\u3092\u8cb7\u3046\u3068\u6700\u4f4e\u6570\u767e\u4e07\u5186\u5fc5\u8981\u306a\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u304c\u3001ETF\u306a\u3089\u6570\u5343\u5186\u301c\u6570\u4e07\u5186\u304b\u3089\u5206\u6563\u6295\u8cc7\u3067\u304d\u308b<\/strong>\u306e\u304c\u6700\u5927\u306e\u5229\u70b9\u3067\u3059\u3002<\/p>\n\n

\n\n

\ud83c\udfdb\ufe0f AGG\uff08iShares Core U.S. Aggregate Bond ETF\uff09\u5b8c\u5168\u89e3\u8aac<\/h2>\n\n

AGG\u306e\u57fa\u672c\u30b9\u30da\u30c3\u30af<\/h3>\n\n
\u9805\u76ee<\/th>\u5185\u5bb9<\/th><\/tr><\/thead>
\u6b63\u5f0f\u540d\u79f0<\/td>iShares Core U.S. Aggregate Bond ETF<\/td><\/tr>
\u30c6\u30a3\u30c3\u30ab\u30fc<\/td>AGG<\/td><\/tr>
\u904b\u7528\u4f1a\u793e<\/td>\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af\uff08\u4e16\u754c\u6700\u5927\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\uff09<\/td><\/tr>
\u8a2d\u5b9a\u65e5<\/td>2003\u5e749\u670826\u65e5<\/td><\/tr>
\u904b\u7528\u7dcf\u984d\uff08AUM\uff09<\/td>\u7d041,100\u5104\u30c9\u30eb\uff08\u7d0417\u5146\u5186\uff09<\/td><\/tr>
\u7d4c\u8cbb\u7387\uff08\u5e74\u7387\uff09<\/td>0.03%<\/strong>\uff08\u4e16\u754c\u6700\u5b89\u6c34\u6e96\uff09<\/td><\/tr>
\u4fdd\u6709\u9298\u67c4\u6570<\/td>\u7d0411,000\u9298\u67c4\u4ee5\u4e0a<\/td><\/tr>
\u5206\u914d\u983b\u5ea6<\/td>\u6bce\u6708<\/strong><\/td><\/tr>
\u5206\u914d\u5229\u56de\u308a\uff082024\u301c2025\u5e74\uff09<\/td>\u7d044.5\u301c5.0%<\/td><\/tr>
\u30d9\u30f3\u30c1\u30de\u30fc\u30af<\/td>Bloomberg U.S. Aggregate Bond Index<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

AGG\u304c\u4fdd\u6709\u3059\u308b\u50b5\u5238\u306e\u5185\u8a33<\/h3>\n\n
\u7a2e\u5225<\/th>\u6bd4\u7387\uff08\u6982\u7b97\uff09<\/th>\u8aac\u660e<\/th><\/tr><\/thead>
\u7c73\u56fd\u56fd\u50b5<\/td>\u7d0442%<\/td>\u7c73\u56fd\u653f\u5e9c\u767a\u884c\u3002\u6700\u3082\u5b89\u5168\u306a\u50b5\u5238<\/td><\/tr>
\u4f4f\u5b85\u30ed\u30fc\u30f3\u62c5\u4fdd\u8a3c\u5238\uff08MBS\uff09<\/td>\u7d0427%<\/td>\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u675f\u306d\u305f\u8a3c\u5238\u3002\u653f\u5e9c\u7cfb\u6a5f\u95a2\u304c\u4fdd\u8a3c<\/td><\/tr>
\u6295\u8cc7\u9069\u683c\u793e\u50b5<\/td>\u7d0425%<\/td>\u683c\u4ed8\u3051BBB\u4ee5\u4e0a\u306e\u5927\u4f01\u696d\u304c\u767a\u884c\u3059\u308b\u50b5\u5238<\/td><\/tr>
\u653f\u5e9c\u6a5f\u95a2\u50b5\u30fb\u305d\u306e\u4ed6<\/td>\u7d046%<\/td>\u653f\u5e9c\u7cfb\u6a5f\u95a2\u304c\u767a\u884c\u3059\u308b\u50b5\u5238\u306a\u3069<\/td><\/tr><\/tbody><\/table><\/figure>\n\n

\ud83d\udcc8 AGG \u4fa1\u683c\u306e20\u5e74\u63a8\u79fb\uff08\u6982\u7b97\u30fb\u5e74\u672b\u5024\uff09<\/h3>\n\n
\u25a0 AGG \u4fa1\u683c\u63a8\u79fb\u30b0\u30e9\u30d5\uff081\u682a\u3042\u305f\u308a\u4fa1\u683c\u30fb\u6982\u7b97\uff09\n\n$125 |                              \u25cf2020\n$120 |                           \u25cf         \u25cf2021\n$115 |          \u25cf2012 \u25cf2013\n$110 |    \u25cf2010      \u25cf       \u25cf2015\n$105 |\u25cf2004 \u25cf2006 \u25cf2008      \u25cf2016         \u25cf\u25cf2022-23\n$100 |                                              \u25cf2024\n $95 |                                        \u25cf2022(\u5e95)\n     |________________________________________________\n      2004  2007  2010  2013  2016  2019  2022  2025\n\n\u25b6 2020\u5e74\u306b\u6700\u9ad8\u5024$118\u5230\u9054\uff08\u30b3\u30ed\u30ca\u798d\u3067\u306e\u91d1\u5229\u5f15\u304d\u4e0b\u3052\u52b9\u679c\uff09\n\u25b6 2022\u5e74\u306b\u6025\u843d\uff08FRB\u306e\u6025\u6fc0\u306a\u5229\u4e0a\u3052\u3067\u50b5\u5238\u4fa1\u683c\u304c\u4e0b\u843d\uff09\n\u25b6 2024\u301c2025\u5e74\u306f\u91d1\u5229\u5b89\u5b9a\u5316\u3068\u3068\u3082\u306b$96\u301c100\u3067\u63a8\u79fb\u4e2d<\/pre>\n\n
\u5e74<\/th>\u4fa1\u683c\uff08\u6982\u7b97\uff09<\/th>\u4e3b\u306a\u51fa\u6765\u4e8b<\/th><\/tr><\/thead>
2004\u5e74<\/td>\u7d04$105<\/td>ETF\u8a2d\u5b9a\u7fcc\u5e74\u3001\u5b89\u5b9a\u63a8\u79fb<\/td><\/tr>
2008\u5e74<\/td>\u7d04$106<\/td>\u30ea\u30fc\u30de\u30f3\u30b7\u30e7\u30c3\u30af\u3067\u682a\u66b4\u843d\u2192\u50b5\u5238\u306b\u8cc7\u91d1\u6d41\u5165<\/td><\/tr>
2012\u5e74<\/td>\u7d04$112<\/td>\u4f4e\u91d1\u5229\u653f\u7b56\u3067\u50b5\u5238\u4fa1\u683c\u4e0a\u6607<\/td><\/tr>
2016\u5e74<\/td>\u7d04$108<\/td>\u30c8\u30e9\u30f3\u30d7\u5f53\u9078\u30fb\u91d1\u5229\u4e0a\u6607\u61f8\u5ff5\u3067\u4e0b\u843d<\/td><\/tr>
2018\u5e74<\/td>\u7d04$103<\/td>FRB\u5229\u4e0a\u3052\u3067\u4fa1\u683c\u4e0b\u843d<\/td><\/tr>
2020\u5e74<\/td>\u7d04$118<\/td>\u30b3\u30ed\u30ca\u798d\u3067\u30bc\u30ed\u91d1\u5229\u653f\u7b56\u2192\u50b5\u5238\u4fa1\u683c\u304c\u904e\u53bb\u6700\u9ad8<\/td><\/tr>
2022\u5e74<\/td>\u7d04$96<\/td>FRB\u304c\u6025\u6fc0\u306a\u5229\u4e0a\u3052\uff08\u904e\u53bb40\u5e74\u6700\u5927\u306e\u50b5\u5238\u4e0b\u843d\uff09<\/td><\/tr>
2023\u5e74<\/td>\u7d04$95<\/td>\u9ad8\u91d1\u5229\u7d99\u7d9a\u3067\u4f4e\u8ff7<\/td><\/tr>
2024\u5e74<\/td>\u7d04$97<\/td>\u5229\u4e0b\u3052\u671f\u5f85\u3067\u56de\u5fa9\u57fa\u8abf<\/td><\/tr>
2025\u5e74<\/td>\u7d04$99<\/td>\u91d1\u5229\u5b89\u5b9a\u5316\u30fb\u7de9\u3084\u304b\u306a\u56de\u5fa9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
\n\n
\ud83c\udfe2 LQD\uff08iShares iBoxx $ Investment Grade Corporate Bond ETF\uff09\u5b8c\u5168\u89e3\u8aac<\/h2>\n\n
\u9805\u76ee<\/th>\u5185\u5bb9<\/th><\/tr><\/thead>
\u6b63\u5f0f\u540d\u79f0<\/td>iShares iBoxx $ Investment Grade Corporate Bond ETF<\/td><\/tr>
\u30c6\u30a3\u30c3\u30ab\u30fc<\/td>LQD<\/td><\/tr>
\u904b\u7528\u4f1a\u793e<\/td>\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af<\/td><\/tr>
\u8a2d\u5b9a\u65e5<\/td>2002\u5e747\u670826\u65e5<\/td><\/tr>
\u904b\u7528\u7dcf\u984d\uff08AUM\uff09<\/td>\u7d04310\u5104\u30c9\u30eb\uff08\u7d044.7\u5146\u5186\uff09<\/td><\/tr>
\u7d4c\u8cbb\u7387\uff08\u5e74\u7387\uff09<\/td>0.14%<\/strong><\/td><\/tr>
\u4fdd\u6709\u9298\u67c4\u6570<\/td>\u7d042,700\u9298\u67c4\u4ee5\u4e0a<\/td><\/tr>
\u5206\u914d\u983b\u5ea6<\/td>\u6bce\u6708<\/strong><\/td><\/tr>
\u5206\u914d\u5229\u56de\u308a\uff082024\u301c2025\u5e74\uff09<\/td>\u7d045.0\u301c5.5%<\/td><\/tr>
\u30d9\u30f3\u30c1\u30de\u30fc\u30af<\/td>Markit iBoxx USD Liquid Investment Grade Index<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
\ud83d\udcc8 LQD \u4fa1\u683c\u306e20\u5e74\u63a8\u79fb\uff08\u6982\u7b97\u30fb\u5e74\u672b\u5024\uff09<\/h3>\n\n
\u25a0 LQD \u4fa1\u683c\u63a8\u79fb\u30b0\u30e9\u30d5\uff081\u682a\u3042\u305f\u308a\u4fa1\u683c\u30fb\u6982\u7b97\uff09\n\n$140 |                              \u25cf2020\uff08\u904e\u53bb\u6700\u9ad8\uff09\n$135 |\n$130 |          \u25cf2012\n$125 |    \u25cf2010      \u25cf2013\n$120 |\u25cf2004 \u25cf2006       \u25cf2015 \u25cf2016      \u25cf2021\n$115 |                              \u25cf2018\n$110 |\u25cf2002                                   \u25cf2024\n$105 |    \u25cf2008\uff08\u91d1\u878d\u5371\u6a5f\uff09                \u25cf2022-23\n$100 |\n     |________________________________________________\n      2002  2005  2008  2011  2014  2017  2020  2025\n\n\u25b6 \u6295\u8cc7\u9069\u683c\u793e\u50b5\u306e\u307f\u3092\u5bfe\u8c61\u306b\u3057\u3066\u3044\u308b\u305f\u3081AGG\u3088\u308a\u9ad8\u5229\u56de\u308a\n\u25b6 2020\u5e74\u306b$138\u8d85\u306e\u904e\u53bb\u6700\u9ad8\u5024\uff08FRB\u304c\u793e\u50b5\u307e\u3067\u8cfc\u5165\u3059\u308b\u524d\u4f8b\u306a\u304d\u653f\u7b56\uff09\n\u25b6 2022\u5e74\u306b$103\u307e\u3067\u6025\u843d\u2192\u9ad8\u5229\u56de\u308a\uff085%\u8d85\uff09\u3067\u5229\u56de\u308a\u9762\u306f\u9b45\u529b\u7684\u306b<\/pre>\n\n
\u5e74<\/th>\u4fa1\u683c\uff08\u6982\u7b97\uff09<\/th>\u4e3b\u306a\u51fa\u6765\u4e8b<\/th><\/tr><\/thead>
2004\u5e74<\/td>\u7d04$115<\/td>\u8a2d\u5b9a2\u5e74\u5f8c\u3001\u5b89\u5b9a\u63a8\u79fb<\/td><\/tr>
2008\u5e74<\/td>\u7d04$103<\/td>\u30ea\u30fc\u30de\u30f3\u30b7\u30e7\u30c3\u30af\u3067\u793e\u50b5\u30ea\u30b9\u30af\u304c\u610f\u8b58\u3055\u308c\u4e0b\u843d<\/td><\/tr>
2012\u5e74<\/td>\u7d04$128<\/td>\u8d85\u4f4e\u91d1\u5229\u30fb\u91cf\u7684\u7de9\u548c\u3067\u793e\u50b5\u4fa1\u683c\u304c\u4e0a\u6607<\/td><\/tr>
2016\u5e74<\/td>\u7d04$119<\/td>\u7c73\u56fd\u5229\u4e0a\u3052\u3067\u4fa1\u683c\u4e0b\u843d<\/td><\/tr>
2020\u5e74<\/td>\u7d04$138<\/td>FRB\u304c\u793e\u50b5ETF\u3092\u76f4\u63a5\u8cfc\u5165\u3059\u308b\u7570\u4f8b\u63aa\u7f6e\u3067\u6025\u9a30<\/td><\/tr>
2021\u5e74<\/td>\u7d04$128<\/td>\u30a4\u30f3\u30d5\u30ec\u61f8\u5ff5\u3067\u91d1\u5229\u4e0a\u6607\u3001\u4e0b\u843d\u8ee2\u63db<\/td><\/tr>
2022\u5e74<\/td>\u7d04$103<\/td>FRB\u6025\u5229\u4e0a\u3052\u3067\u5927\u5e45\u4e0b\u843d\uff08-20%\u8d85\uff09<\/td><\/tr>
2023\u5e74<\/td>\u7d04$107<\/td>\u9ad8\u5229\u56de\u308a\u3067\u5206\u914d\u91d1\u306f\u5897\u52a0\u3002\u4fa1\u683c\u306f\u4f4e\u8ff7<\/td><\/tr>
2024\u5e74<\/td>\u7d04$110<\/td>\u5229\u4e0b\u3052\u671f\u5f85\u3067\u56de\u5fa9\u57fa\u8abf<\/td><\/tr>
2025\u5e74<\/td>\u7d04$112<\/td>\u91d1\u5229\u5b89\u5b9a\u5316\u30fb\u7de9\u3084\u304b\u306a\u56de\u5fa9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
\n\n
\u2696\ufe0f AGG vs LQD \u5fb9\u5e95\u6bd4\u8f03<\/h2>\n\n
\u6bd4\u8f03\u9805\u76ee<\/th>AGG<\/th>LQD<\/th><\/tr><\/thead>
\u6295\u8cc7\u5bfe\u8c61<\/td>\u7c73\u56fd\u5168\u4f53\u306e\u50b5\u5238\uff08\u56fd\u50b5\u30fbMBS\u30fb\u793e\u50b5\uff09<\/td>\u6295\u8cc7\u9069\u683c\u793e\u50b5\u306e\u307f<\/td><\/tr>
\u7d4c\u8cbb\u7387<\/td>0.03%<\/strong>\uff08\u8d85\u4f4e\u30b3\u30b9\u30c8\uff09<\/td>0.14%<\/td><\/tr>
\u5206\u914d\u5229\u56de\u308a<\/td>\u7d044.5\u301c5.0%<\/td>\u7d045.0\u301c5.5%\uff08\u3084\u3084\u9ad8\u3081\uff09<\/td><\/tr>
\u30ea\u30b9\u30af\u6c34\u6e96<\/td>\u4f4e\u3081\uff08\u56fd\u50b5\u304c\u7d044\u5272\uff09<\/td>\u3084\u3084\u9ad8\u3081\uff08\u793e\u50b5\u306e\u307f\uff09<\/td><\/tr>
\u30c7\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3<\/td>\u7d046\u5e74<\/td>\u7d048\u5e74\uff08\u91d1\u5229\u5909\u52d5\u3078\u306e\u611f\u5fdc\u5ea6\u304c\u9ad8\u3044\uff09<\/td><\/tr>
\u666f\u6c17\u60aa\u5316\u6642<\/td>\u6bd4\u8f03\u7684\u5b89\u5b9a\uff08\u56fd\u50b5\u304c\u4e0b\u652f\u3048\uff09<\/td>\u3084\u3084\u4e0b\u843d\u3057\u3084\u3059\u3044\uff08\u793e\u50b5\u30ea\u30b9\u30af\uff09<\/td><\/tr>
\u5411\u3044\u3066\u3044\u308b\u4eba<\/td>\u5b89\u5168\u6027\u91cd\u8996\u30fb\u5b88\u308a\u306e\u8cc7\u7523\u3068\u3057\u3066<\/td>\u5229\u56de\u308a\u91cd\u8996\u30fb\u5c11\u3057\u7a4d\u6975\u7684\u306a\u4eba<\/td><\/tr>
AUM\uff08\u898f\u6a21\uff09<\/td>\u7d0417\u5146\u5186\uff08\u8d85\u5927\u578b\uff09<\/td>\u7d044.7\u5146\u5186\uff08\u5927\u578b\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
\u25a0 \u5206\u914d\u5229\u56de\u308a\u306e\u63a8\u79fb\u6bd4\u8f03\uff08\u5e74\u5e73\u5747\u30fb\u6982\u7b97\uff09\n\n\u5e74\u4ee3         AGG        LQD\n2005\u301c2007   4.8%       5.5%  \u2190 \u9ad8\u91d1\u5229\u6642\u4ee3\n2010\u301c2015   2.5%       3.8%  \u2190 \u4f4e\u91d1\u5229\u6642\u4ee3\n2016\u301c2021   2.2%       3.2%  \u2190 \u8d85\u4f4e\u91d1\u5229\u6642\u4ee3\n2022\u301c2023   3.8%       4.8%  \u2190 \u5229\u4e0a\u3052\u3067\u5229\u56de\u308a\u56de\u5fa9\n2024\u301c2025   4.7%       5.2%  \u2190 \u73fe\u5728\uff1a\u9ad8\u5229\u56de\u308a\u6c34\u6e96\n\n\u25b6 \u91d1\u5229\u304c\u9ad8\u3044\u307b\u3069\u5229\u56de\u308a\u3082\u9ad8\u3044\uff08\u4fa1\u683c\u306f\u4e0b\u304c\u308b\u304c\u53ce\u76ca\u529b\u306f\u4e0a\u304c\u308b\uff09\n\u25b6 \u4eca\uff082025\u5e74\uff09\u306f\u904e\u53bb10\u5e74\u3067\u6700\u3082\u300c\u8cb7\u3044\u3084\u3059\u3044\u5229\u56de\u308a\u6c34\u6e96\u300d\u306e\u4e00\u3064<\/pre>\n\n
\n\n
\ud83c\udf1f \u306a\u305cAGG\u3068LQD\u304c\u512a\u308c\u3066\u3044\u308b\u306e\u304b\uff1f5\u3064\u306e\u7406\u7531<\/h2>\n\n
  1. \u5727\u5012\u7684\u306a\u5206\u6563\u6027<\/strong>\uff1aAGG\u306f\u7d0411,000\u9298\u67c4\u3001LQD\u306f\u7d042,700\u9298\u67c4\u306b\u5206\u6563\u30021\u793e\u306e\u5012\u7523\u3067\u306f\u5168\u4f53\u306b\u5f71\u97ff\u3057\u306a\u3044<\/li>
  2. \u4e16\u754c\u6700\u5b89\u6c34\u6e96\u306e\u30b3\u30b9\u30c8<\/strong>\uff1aAGG\u306e\u7d4c\u8cbb\u73870.03%\u306f100\u4e07\u5186\u6295\u8cc7\u3057\u3066\u3082\u5e74\u9593300\u5186\u306e\u30b3\u30b9\u30c8\u3057\u304b\u304b\u304b\u3089\u306a\u3044<\/li>
  3. \u6d41\u52d5\u6027\u306e\u9ad8\u3055<\/strong>\uff1a\u7c73\u56fdETF\u306f\u6bce\u65e5\u81a8\u5927\u306a\u51fa\u6765\u9ad8\u304c\u3042\u308a\u3001\u3044\u3064\u3067\u3082\u58f2\u8cb7\u3067\u304d\u308b\u3002\u500b\u5225\u50b5\u5238\u3088\u308a\u5727\u5012\u7684\u306b\u6d41\u52d5\u6027\u304c\u9ad8\u3044<\/li>
  4. \u4fe1\u983c\u3067\u304d\u308b\u904b\u7528\u4f1a\u793e<\/strong>\uff1a\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af\u306f\u4e16\u754c\u6700\u5927\uff08\u7d04150\u5146\u5186\u8d85\uff09\u306e\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3002\u7d4c\u55b6\u30ea\u30b9\u30af\u304c\u6975\u3081\u3066\u4f4e\u3044<\/li>
  5. \u6bce\u6708\u306e\u53ce\u5165\uff08\u30a4\u30f3\u30ab\u30e0\u30b2\u30a4\u30f3\uff09<\/strong>\uff1a\u6bce\u6708\u5206\u914d\u91d1\u304c\u5165\u308b\u3053\u3068\u3067\u3001\u751f\u6d3b\u8cbb\u306e\u4e00\u90e8\u3092\u88dc\u3048\u308b\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u304c\u751f\u307e\u308c\u308b<\/li><\/ol>\n\n
    \n\n
    \ud83d\udca1 \u6bce\u6708\u5206\u914d\u91d1\u304c\u652f\u6255\u308f\u308c\u308b\u4ed5\u7d44\u307f\u2014\u2014\u300c\u305f\u3053\u8db3\u914d\u5f53\u300d\u3067\u306a\u3044\u7406\u7531<\/h2>\n\n
    \u65e5\u672c\u306e\u6bce\u6708\u5206\u914d\u578b\u6295\u4fe1\u3067\u306f\u300c\u305f\u3053\u8db3\u914d\u5f53\uff08\u86f8\u8db3\uff09<\/strong>\u300d\u304c\u554f\u984c\u306b\u306a\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3053\u8db3\u914d\u5f53\u3068\u306f\u3001\u904b\u7528\u76ca\u304c\u51fa\u3066\u3044\u306a\u3044\u306e\u306b\u5143\u672c\u3092\u53d6\u308a\u5d29\u3057\u3066\u5206\u914d\u91d1\u3092\u6255\u3046\u4ed5\u7d44\u307f\u306e\u3053\u3068\u3067\u3059\u3002AGG\u30fbLQD\u306f\u306a\u305c\u554f\u984c\u306a\u3044\u306e\u304b\uff1f<\/p>\n\n
    AGG\u30fbLQD\u306e\u5206\u914d\u91d1\u306e\u6e90\u6cc9<\/h3>\n\n
    \u3010\u5206\u914d\u91d1\u304c\u751f\u307e\u308c\u308b\u4ed5\u7d44\u307f\u3011\n\n\u4fdd\u6709\u50b5\u5238A\uff08\u7c73\u56fd\u56fd\u50b5\uff09  \u2192 \u5229\u606f \u2192 \u2510\n\u4fdd\u6709\u50b5\u5238B\uff08\u793e\u50b5\uff09      \u2192 \u5229\u606f \u2192 \u2524\n\u4fdd\u6709\u50b5\u5238C\uff08MBS\uff09       \u2192 \u5229\u606f \u2192 \u2524\u2192 ETF\u304c\u6bce\u6708\u96c6\u8a08 \u2192 \u6295\u8cc7\u5bb6\u3078\u5206\u914d\n\u4fdd\u6709\u50b5\u5238D\uff08\u653f\u5e9c\u6a5f\u95a2\u50b5\uff09\u2192 \u5229\u606f \u2192 \u2518\n\n\u25b6 \u5206\u914d\u91d1\u306e100%\u304c\u300c\u4fdd\u6709\u50b5\u5238\u304c\u751f\u307f\u51fa\u3059\u5229\u606f\u53ce\u5165\u300d\n\u25b6 \u5143\u672c\uff08NAV\uff09\u3092\u53d6\u308a\u5d29\u3057\u3066\u6255\u3063\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u3044\n\u25b6 \u305f\u3053\u8db3\u914d\u5f53\u306f\u300c\u8ca1\u5e03\u306e\u4e2d\u8eab\u3092\u5206\u3051\u3066\u3044\u308b\u3060\u3051\u300d\n\u25b6 AGG\u30fbLQD\u306f\u300c\u8ca1\u5e03\u3068\u306f\u5225\u306b\u6bce\u6708\u53ce\u5165\u304c\u5165\u3063\u3066\u304f\u308b\u300d\u69cb\u9020<\/pre>\n\n
    \u6bd4\u8f03<\/th>\u305f\u3053\u8db3\u914d\u5f53\uff08\u65e5\u672c\u306e\u554f\u984c\u578b\uff09<\/th>AGG\u30fbLQD\uff08\u5065\u5168\u578b\uff09<\/th><\/tr><\/thead>
    \u5206\u914d\u91d1\u306e\u6e90\u6cc9<\/td>\u5143\u672c\u306e\u53d6\u308a\u5d29\u3057<\/td>\u50b5\u5238\u306e\u5229\u606f\u53ce\u5165\uff08\u30af\u30fc\u30dd\u30f3\uff09<\/td><\/tr>
    \u7dcf\u8cc7\u7523\u306e\u5909\u5316<\/td>\u5206\u914d\u5f8c\u306bNAV\u304c\u4e0b\u304c\u308b<\/td>\u5229\u606f\u5206\u304c\u5165\u308b\u305f\u3081NAV\u3078\u306e\u5f71\u97ff\u306f\u9650\u5b9a\u7684<\/td><\/tr>
    \u6301\u7d9a\u6027<\/td>\u3044\u305a\u308c\u5143\u672c\u304c\u67af\u6e07\u3059\u308b<\/td>\u50b5\u5238\u304c\u5229\u606f\u3092\u751f\u307f\u7d9a\u3051\u308b\u9650\u308a\u7d99\u7d9a\u53ef\u80fd<\/td><\/tr>
    \u4ed5\u7d44\u307f\u306e\u900f\u660e\u6027<\/td>\u8907\u96d1\u3067\u898b\u3048\u306b\u304f\u3044<\/td>\u4fdd\u6709\u50b5\u5238\u306e\u30af\u30fc\u30dd\u30f3\u304c\u660e\u78ba\u306b\u958b\u793a\u3055\u308c\u3066\u3044\u308b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
    AGG\u306e\u4fdd\u6709\u50b5\u5238\u306f\u5e73\u5747\u30af\u30fc\u30dd\u30f3\u7387\u304c\u7d043\u301c4%\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u30af\u30fc\u30dd\u30f3\u53ce\u5165\u304c\u6708\u5272\u308a\u3067\u6295\u8cc7\u5bb6\u306b\u5206\u914d\u3055\u308c\u308b\u305f\u3081\u3001\u5206\u914d\u91d1\u3092\u53d7\u3051\u53d6\u3063\u3066\u3082\u5143\u672c\u304c\u6e1b\u308b\u308f\u3051\u3067\u306f\u306a\u3044<\/strong>\u306e\u3067\u3059\u3002<\/p>\n\n
    \n\n
    \ud83d\udcca \u30aa\u30eb\u30ab\u30f3\u7b49\u306e\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3068\u306e\u9055\u3044<\/h2>\n\n
    \u6bd4\u8f03\u9805\u76ee<\/th>\u30aa\u30eb\u30ab\u30f3\uff08\u5168\u4e16\u754c\u682a\u5f0f\uff09<\/th>AGG\uff08\u7c73\u56fd\u7dcf\u5408\u50b5\u5238\uff09<\/th>LQD\uff08\u6295\u8cc7\u9069\u683c\u793e\u50b5\uff09<\/th><\/tr><\/thead>
    \u671f\u5f85\u30ea\u30bf\u30fc\u30f3\uff08\u9577\u671f\uff09<\/td>\u5e74\u73876\u301c8%<\/td>\u5e74\u73874\u301c5%<\/td>\u5e74\u73875\u301c5.5%<\/td><\/tr>
    \u30ea\u30b9\u30af\uff08\u6a19\u6e96\u504f\u5dee\uff09<\/td>\u7d0415\u301c17%<\/td>\u7d043\u301c5%<\/td>\u7d045\u301c7%<\/td><\/tr>
    \u6700\u5927\u4e0b\u843d\u5e45\uff08\u904e\u53bb\uff09<\/td>\u7d04\u25b255%\uff082008\u301c09\u5e74\uff09<\/td>\u7d04\u25b215%\uff082022\u5e74\uff09<\/td>\u7d04\u25b222%\uff082022\u5e74\uff09<\/td><\/tr>
    \u5206\u914d\u91d1<\/td>\u5e741\u301c2\u56de\u30fb\u5c11\u984d\u301c\u306a\u3057<\/td>\u6bce\u6708\u30fb\u7d044.5\u301c5%<\/td>\u6bce\u6708\u30fb\u7d045\u301c5.5%<\/td><\/tr>
    \u666f\u6c17\u60aa\u5316\u6642<\/td>\u5927\u304d\u304f\u4e0b\u843d<\/td>\u6bd4\u8f03\u7684\u5b89\u5b9a<\/td>\u3084\u3084\u4e0b\u843d<\/td><\/tr>
    \u30a4\u30f3\u30d5\u30ec\u3078\u306e\u5f37\u3055<\/td>\u5f37\u3044\uff08\u4f01\u696d\u304c\u5024\u4e0a\u3052\u3067\u304d\u308b\uff09<\/td>\u5f31\u3044\uff08\u56fa\u5b9a\u5229\u7387\u306e\u5f71\u97ff\uff09<\/td>\u3084\u3084\u5f31\u3044<\/td><\/tr>
    \u5411\u3044\u3066\u3044\u308b\u76ee\u7684<\/td>\u9577\u671f\u306e\u8cc7\u7523\u6210\u9577<\/td>\u5b89\u5b9a\u3057\u305f\u53ce\u5165\u30fb\u5b88\u308a<\/td>\u9ad8\u3081\u306e\u53ce\u5165\u30fb\u5b88\u308a<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
    \u25a0 100\u4e07\u5186\u6295\u8cc7\u3057\u305f\u5834\u5408\u306e\u4fa1\u683c\u5909\u52d5\u30a4\u30e1\u30fc\u30b8\uff082022\u5e74\u30fb\u6025\u6fc0\u306a\u5229\u4e0a\u3052\u6642\uff09\n\n\u30aa\u30eb\u30ab\u30f3  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588 -20%  \u2192 80\u4e07\u5186\u306b\nLQD      \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588  -18%  \u2192 82\u4e07\u5186\u306b  \nAGG      \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588         -13%  \u2192 87\u4e07\u5186\u306b\n\u73fe\u91d1      \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588  \u00b10%  \u2192 100\u4e07\u5186\n\n\u25b6 \u30ea\u30b9\u30af\u3092\u53d6\u308b\u307b\u3069\u30ea\u30bf\u30fc\u30f3\u3082\u5927\u304d\u3044\u304c\u4e0b\u843d\u3082\u5927\u304d\u3044\n\u25b6 \u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u306e\u632f\u308c\u5e45\u3092\u6291\u3048\u3089\u308c\u308b<\/pre>\n\n
    \n\n
    \ud83c\udfaf \u5e74\u9f62\u30fb\u8cc7\u7523\u984d\u5225\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u7d44\u307f\u65b9<\/h2>\n\n
    \u53e4\u5178\u7684\u306a\u8cc7\u7523\u914d\u5206\u306e\u8003\u3048\u65b9\u306b\u300c100\u30de\u30a4\u30ca\u30b9\u5e74\u9f62\uff1d\u682a\u5f0f\u6bd4\u7387<\/strong>\u300d\u3068\u3044\u3046\u30eb\u30fc\u30eb\u304c\u3042\u308a\u307e\u3059\u3002\u73fe\u4ee3\u3067\u306f\u300c110\u301c120\u30de\u30a4\u30ca\u30b9\u5e74\u9f62\u300d\u3092\u4f7f\u3046\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u3002\u4ee5\u4e0b\u306f\u5b9f\u969b\u306eFP\u304c\u8003\u3048\u308b\u30e2\u30c7\u30eb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3067\u3059\u3002<\/p>\n\n
    \ud83d\udccb \u30e2\u30c7\u30eb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa5\u30d1\u30bf\u30fc\u30f3<\/h3>\n\n
    \u3010\u30b1\u30fc\u30b9\u2460\u301125\u6b73\u30fb\u4f1a\u793e\u54e1\u30fb\u91d1\u878d\u8cc7\u7523300\u4e07\u5186\u30fb\u7a4d\u6975\u578b<\/h4>\n
    \u30aa\u30eb\u30ab\u30f3\/S&P500  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588 85%\nAGG             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                              10%\nLQD             \u2588\u2588\u2588                                    5%\n\n\u65b9\u91dd\uff1a\u82e5\u3044\u3046\u3061\u306f\u30ea\u30b9\u30af\u3092\u53d6\u3063\u3066\u7a4d\u6975\u7684\u306b\u6210\u9577\u3092\u72d9\u3046\u3002\n      \u50b5\u5238\u306f\u30af\u30c3\u30b7\u30e7\u30f3\u5f79\u3068\u3057\u3066\u6700\u5c0f\u9650\u4fdd\u6709\u3002\n\u6bce\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89\uff08300\u4e07\u5186\u306e15%\uff1d45\u4e07\u5186\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\uff09\uff1a\n  AGG\uff0830\u4e07\u5186\uff09\uff1a\u6708\u7d041,125\u5186\u306e\u5206\u914d\u91d1\n  LQD\uff0815\u4e07\u5186\uff09\uff1a\u6708\u7d04625\u5186\u306e\u5206\u914d\u91d1\n  \u5408\u8a08\uff1a\u6708\u7d041,750\u5186<\/pre>\n\n
    \u3010\u30b1\u30fc\u30b9\u2461\u301135\u6b73\u30fb\u5171\u50cd\u304d\u30fb\u91d1\u878d\u8cc7\u7523800\u4e07\u5186\u30fb\u30d0\u30e9\u30f3\u30b9\u578b<\/h4>\n
    \u30aa\u30eb\u30ab\u30f3\/S&P500  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588     75%\nAGG             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                        20%\nLQD             \u2588\u2588\u2588\u2588\u2588                                  5%\n\n\u65b9\u91dd\uff1a\u4f4f\u5b85\u8cfc\u5165\u3084\u5b50\u80b2\u3066\u8cbb\u7528\u304c\u898b\u3048\u3066\u304f\u308b\u6642\u671f\u3002\n      \u50b5\u5238\u3067\u8cc7\u7523\u306e\u4e0b\u632f\u308c\u30ea\u30b9\u30af\u3092\u7de9\u548c\u3002\n\u6bce\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89\uff08800\u4e07\u5186\u306e25%\uff1d200\u4e07\u5186\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\uff09\uff1a\n  AGG\uff08160\u4e07\u5186\uff09\uff1a\u6708\u7d046,000\u5186\u306e\u5206\u914d\u91d1\n  LQD\uff0840\u4e07\u5186\uff09\uff1a\u6708\u7d041,750\u5186\u306e\u5206\u914d\u91d1\n  \u5408\u8a08\uff1a\u6708\u7d047,750\u5186<\/pre>\n\n
    \u3010\u30b1\u30fc\u30b9\u2462\u301145\u6b73\u30fb\u5b50\u80b2\u3066\u7d42\u4e86\u30fb\u91d1\u878d\u8cc7\u75231,500\u4e07\u5186\u30fb\u5b89\u5b9a\u6210\u9577\u578b<\/h4>\n
    \u30aa\u30eb\u30ab\u30f3\/S&P500  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588            60%\nAGG             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                      25%\nLQD             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                           15%\n\n\u65b9\u91dd\uff1a\u8001\u5f8c\u307e\u306715\u301c20\u5e74\u3002\u682a\u5f0f\u3067\u6210\u9577\u3092\u72d9\u3044\u3064\u3064\u3001\n      \u50b5\u5238\u3067\u3057\u3063\u304b\u308a\u5b88\u308a\u56fa\u3081\u3002\u6bce\u6708\u306e\u5206\u914d\u91d1\u304c\u5897\u3048\u3066\u304f\u308b\u3002\n\u6bce\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89\uff081,500\u4e07\u5186\u306e40%\uff1d600\u4e07\u5186\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\uff09\uff1a\n  AGG\uff08375\u4e07\u5186\uff09\uff1a\u6708\u7d0414,000\u5186\u306e\u5206\u914d\u91d1\n  LQD\uff08225\u4e07\u5186\uff09\uff1a\u6708\u7d049,700\u5186\u306e\u5206\u914d\u91d1\n  \u5408\u8a08\uff1a\u6708\u7d0423,700\u5186<\/pre>\n\n
    \u3010\u30b1\u30fc\u30b9\u2463\u301155\u6b73\u30fb\u9000\u8077\u524d\u30fb\u91d1\u878d\u8cc7\u75233,000\u4e07\u5186\u30fb\u53ce\u5165\u91cd\u8996\u578b<\/h4>\n
    \u30aa\u30eb\u30ab\u30f3\/S&P500  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                50%\nAGG             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                     30%\nLQD             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                           20%\n\n\u65b9\u91dd\uff1a\u9000\u8077\u5f8c\u306e\u751f\u6d3b\u8cbb\u3092\u5206\u914d\u91d1\u3067\u88dc\u3046\u6e96\u5099\u3092\u958b\u59cb\u3002\n      \u682a\u5f0f50%\u3067\u6210\u9577\u3082\u78ba\u4fdd\u3057\u306a\u304c\u3089\u5b89\u5b9a\u53ce\u5165\u3092\u5897\u3084\u3059\u3002\n\u6bce\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89\uff083,000\u4e07\u5186\u306e50%\uff1d1,500\u4e07\u5186\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\uff09\uff1a\n  AGG\uff08900\u4e07\u5186\uff09\uff1a\u6708\u7d0433,750\u5186\u306e\u5206\u914d\u91d1\n  LQD\uff08600\u4e07\u5186\uff09\uff1a\u6708\u7d0426,250\u5186\u306e\u5206\u914d\u91d1\n  \u5408\u8a08\uff1a\u6708\u7d0460,000\u5186\uff08\u5e74\u959372\u4e07\u5186\uff09<\/pre>\n\n
    \u3010\u30b1\u30fc\u30b9\u2464\u301165\u6b73\u30fb\u9000\u8077\u5f8c\u30fb\u91d1\u878d\u8cc7\u75234,000\u4e07\u5186\u30fb\u8cc7\u7523\u4fdd\u5168\u578b<\/h4>\n
    \u30aa\u30eb\u30ab\u30f3\/S&P500  \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                        35%\nAGG             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                   40%\nLQD             \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588                         25%\n\n\u65b9\u91dd\uff1a\u751f\u6d3b\u8cbb\u306e\u591a\u304f\u3092\u5206\u914d\u91d1\u3067\u307e\u304b\u306a\u3046\u3002\n      \u682a\u5f0f35%\u3067\u30a4\u30f3\u30d5\u30ec\u5bfe\u7b56\u30fb\u8cc7\u7523\u306e\u76ee\u6e1b\u308a\u3092\u9632\u3050\u3002\n\u6bce\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89\uff084,000\u4e07\u5186\u306e65%\uff1d2,600\u4e07\u5186\u306b\u6295\u8cc7\u3057\u305f\u5834\u5408\uff09\uff1a\n  AGG\uff081,600\u4e07\u5186\uff09\uff1a\u6708\u7d0460,000\u5186\u306e\u5206\u914d\u91d1\n  LQD\uff081,000\u4e07\u5186\uff09\uff1a\u6708\u7d0443,750\u5186\u306e\u5206\u914d\u91d1\n  \u5408\u8a08\uff1a\u6708\u7d04103,750\u5186\uff08\u5e74\u9593124\u4e07\u5186\uff09<\/pre>\n\n
    \u5e74\u9f62<\/th>\u8cc7\u7523\u984d<\/th>\u682a\u5f0f\u6bd4\u7387<\/th>AGG<\/th>LQD<\/th>\u6708\u306e\u5206\u914d\u91d1\u76ee\u5b89<\/th><\/tr><\/thead>
    25\u6b73<\/td>300\u4e07\u5186<\/td>85%<\/td>10%<\/td>5%<\/td>\u7d041,750\u5186<\/td><\/tr>
    35\u6b73<\/td>800\u4e07\u5186<\/td>75%<\/td>20%<\/td>5%<\/td>\u7d047,750\u5186<\/td><\/tr>
    45\u6b73<\/td>1,500\u4e07\u5186<\/td>60%<\/td>25%<\/td>15%<\/td>\u7d0423,700\u5186<\/td><\/tr>
    55\u6b73<\/td>3,000\u4e07\u5186<\/td>50%<\/td>30%<\/td>20%<\/td>\u7d0460,000\u5186<\/td><\/tr>
    65\u6b73<\/td>4,000\u4e07\u5186<\/td>35%<\/td>40%<\/td>25%<\/td>\u7d04103,750\u5186<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
    \u203b\u5206\u914d\u91d1\u76ee\u5b89\u306f2024\u301c2025\u5e74\u306e\u5229\u56de\u308a\u6c34\u6e96\uff08AGG\u7d044.5%\u3001LQD\u7d045.25%\uff09\u3092\u3082\u3068\u306b\u3057\u305f\u6982\u7b97\u3067\u3059\u3002\u5b9f\u969b\u306e\u5206\u914d\u91d1\u306f\u5e02\u5834\u74b0\u5883\u306b\u3088\u308a\u5909\u52d5\u3057\u307e\u3059\u3002<\/p>\n\n
    \n\n
    \u26a0\ufe0f AGG\u30fbLQD\u3092\u4fdd\u6709\u3059\u308b\u969b\u306e\u6ce8\u610f\u70b9<\/h2>\n\n
    • \u91d1\u5229\u30ea\u30b9\u30af<\/strong>\uff1a\u91d1\u5229\u304c\u4e0a\u304c\u308b\u3068\u50b5\u5238\u4fa1\u683c\u306f\u4e0b\u304c\u308a\u307e\u3059\uff082022\u5e74\u306e\u3088\u3046\u306a\u6025\u843d\u30ea\u30b9\u30af\uff09\u3002\u9577\u671f\u4fdd\u6709\u3067\u4e57\u308a\u8d8a\u3048\u308b\u3053\u3068\u304c\u5927\u5207<\/li>
    • \u70ba\u66ff\u30ea\u30b9\u30af<\/strong>\uff1a\u30c9\u30eb\u5efa\u3066\u306e\u305f\u3081\u3001\u5186\u9ad8\u306b\u306a\u308b\u3068\u5186\u63db\u7b97\u306e\u4fa1\u5024\u304c\u4e0b\u304c\u308a\u307e\u3059\u3002\u5186\u5b89\u306a\u3089\u9006\u306b\u6709\u5229<\/li>
    • \u4fe1\u7528\u30ea\u30b9\u30af\uff08LQD\uff09<\/strong>\uff1a\u6295\u8cc7\u9069\u683c\u793e\u50b5\u3067\u3082\u4e0d\u6cc1\u6642\u306f\u4fa1\u683c\u304c\u4e0b\u843d\u3057\u307e\u3059\u3002AGG\u3088\u308a\u82e5\u5e72\u30ea\u30b9\u30af\u304c\u9ad8\u3044<\/li>
    • \u65e5\u672c\u306e\u7a0e\u91d1<\/strong>\uff1a\u6d77\u5916ETF\u306e\u5206\u914d\u91d1\u306b\u306f\u7c73\u56fd\u306710%\u306e\u6e90\u6cc9\u7a0e\u304c\u304b\u304b\u308a\u3001\u3055\u3089\u306b\u65e5\u672c\u306720.315%\u306e\u7a0e\u91d1\u304c\u304b\u304b\u308a\u307e\u3059\u3002NISA\u53e3\u5ea7\u306a\u3089\u65e5\u672c\u3067\u306e\u8ab2\u7a0e\u306f\u975e\u8ab2\u7a0e\u306b\u306a\u308a\u307e\u3059<\/li><\/ul>\n\n
      \n\n
      \ud83d\udccb \u307e\u3068\u3081\uff1aAGG\u30fbLQD\u306e\u30dd\u30a4\u30f3\u30c810\u9078<\/h2>\n\n
      #<\/th>\u30dd\u30a4\u30f3\u30c8<\/th><\/tr><\/thead>
      \u2460<\/td>AGG\u306f\u7c73\u56fd\u5168\u4f53\u306e\u50b5\u5238\u306b\u5206\u6563\u6295\u8cc7\uff08\u56fd\u50b5\u30fbMBS\u30fb\u793e\u50b5\uff09\u3001\u7d4c\u8cbb\u73870.03%\u306e\u8d85\u4f4e\u30b3\u30b9\u30c8<\/td><\/tr>
      \u2461<\/td>LQD\u306f\u6295\u8cc7\u9069\u683c\u793e\u50b5\u306b\u7279\u5316\u3001AGG\u3088\u308a\u5229\u56de\u308a\u304c\u9ad8\u3044\uff085\u301c5.5%\uff09<\/td><\/tr>
      \u2462<\/td>2024\u301c2025\u5e74\u306f\u904e\u53bb10\u5e74\u3067\u6700\u3082\u5229\u56de\u308a\u304c\u9ad8\u3044\u6c34\u6e96\u3002\u4eca\u304c\u300c\u5272\u5b89\u306b\u8cb7\u3048\u308b\u300d\u6642\u671f<\/td><\/tr>
      \u2463<\/td>\u6bce\u6708\u306e\u5206\u914d\u91d1\u306f\u50b5\u5238\u306e\u5229\u606f\u53ce\u5165\u304c\u6e90\u6cc9\u3002\u305f\u3053\u8db3\u914d\u5f53\u3067\u306f\u306a\u304f\u771f\u306e\u53ce\u5165<\/td><\/tr>
      \u2464<\/td>\u682a\u5f0f\u3068\u9006\u76f8\u95a2\u306e\u52d5\u304d\u3092\u3059\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5b89\u5b9a\u5264\u306b\u306a\u308b<\/td><\/tr>
      \u2465<\/td>\u91d1\u5229\u304c\u4e0b\u304c\u308b\u3068\u4fa1\u683c\u304c\u4e0a\u304c\u308b\uff08\u4eca\u5f8c\u306e\u5229\u4e0b\u3052\u5c40\u9762\u3067\u306f\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\u3082\u671f\u5f85\uff09<\/td><\/tr>
      \u2466<\/td>\u30aa\u30eb\u30ab\u30f3\u5358\u72ec\u3088\u308a\u3001AGG\/LQD\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u65b9\u304c\u30ea\u30b9\u30af\u8abf\u6574\u5f8c\u30ea\u30bf\u30fc\u30f3\u304c\u5b89\u5b9a<\/td><\/tr>
      \u2467<\/td>\u5e74\u9f62\u304c\u4e0a\u304c\u308b\u307b\u3069\u50b5\u5238\u6bd4\u7387\u3092\u5897\u3084\u3057\u3001\u751f\u6d3b\u8cbb\u3092\u5206\u914d\u91d1\u3067\u307e\u304b\u306a\u3046\u8a2d\u8a08\u3092<\/td><\/tr>
      \u2468<\/td>NISA\u53e3\u5ea7\u3092\u6d3b\u7528\u3059\u308c\u3070\u65e5\u672c\u306e\u7a0e\u91d1\u304c\u975e\u8ab2\u7a0e\uff08\u7c73\u56fd\u6e90\u6cc9\u7a0e10%\u306e\u307f\uff09<\/td><\/tr>
      \u2469<\/td>\u70ba\u66ff\u30ea\u30b9\u30af\u3042\u308a\u3002\u5186\u5efa\u3066\u8cc7\u7523\uff08\u65e5\u672c\u306e\u516c\u793e\u50b5\u6295\u4fe1\u7b49\uff09\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u3082\u691c\u8a0e\u3092<\/td><\/tr><\/tbody><\/table><\/figure>\n\n
      AGG\u3068LQD\u306f\u300c\u5b88\u308a\u306a\u304c\u3089\u7a3c\u3050\u300d\u8cc7\u7523\u306e\u4ee3\u8868\u683c\u3067\u3059\u3002\u682a\u5f0f\u3067\u7a4d\u6975\u7684\u306b\u6210\u9577\u3092\u72d9\u3044\u306a\u304c\u3089\u3001\u50b5\u5238\u3067\u30ea\u30b9\u30af\u3092\u6291\u3048\u6bce\u6708\u306e\u53ce\u5165\u3092\u5f97\u308b\u2014\u2014\u3053\u306e\u30d0\u30e9\u30f3\u30b9\u304c\u9577\u671f\u7684\u306a\u8cc7\u7523\u5f62\u6210\u306e\u9375\u3067\u3059\u3002\u3042\u306a\u305f\u306e\u5e74\u9f62\u30fb\u8cc7\u7523\u984d\u30fb\u76ee\u6a19\u306b\u5408\u3063\u305f\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u3001\u305c\u3072FP\u306b\u76f8\u8ac7\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n
      \n
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