# 中小企業退職金共済法 / Small and Medium Sized Enterprise Retirement Allowance Cooperative Act — 第七十八条 (Article 78) This is the Markdown twin of https://japanlaw.org/en/sme-retirement-allowance-act/art-78. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 中小企業退職金共済法 (Small and Medium Sized Enterprise Retirement Allowance Cooperative Act), 昭和三十四年法律第百六十号 - English title "Small and Medium Sized Enterprise Retirement Allowance Cooperative Act": Ministry of Justice translation database, which lists the title - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第七十八条 (Article 78)（余裕金の運用に関する基本方針等） — address `art-78` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-retirement-allowance-act/art-78 - e-Gov law ID: 334AC0000000160 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page. - Every provision below carries its address and its URL on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第七十八条（余裕金の運用に関する基本方針等） — Basic Policy on the Investment of Surplus Funds, etc. caption: machine translation, not official art-78 · https://japanlaw.org/en/sme-retirement-allowance-act/art-78 **第一項** 機構は、退職金共済業務に係る業務上の余裕金の運用に関して、運用の目的その他厚生労働省令で定める事項を記載した基本方針を作成し、当該基本方針に沿つて運用しなければならない。 art-78/par-1 · https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-1 With regard to the investment of surplus funds arising in the course of retirement allowance mutual aid operations, the Organization must prepare a basic policy stating the purpose of the investment and other matters specified by Order of the Ministry of Health, Labour and Welfare, and must invest in accordance with that basic policy. machine translation, not official **第二項** 前項の規定による基本方針は、この法律（これに基づく命令を含む。）その他の法令に反するものであつてはならない。 art-78/par-2 · https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-2 The basic policy under the provisions of the preceding paragraph must not contravene this Act (including orders issued under it) or other laws and regulations. machine translation, not official **第三項** 機構は、前条第一項第三号及び第五号に掲げる方法（政令で定める保険料の払込みを除く。）により運用する場合においては、当該運用に関する契約の相手方に対して、協議に基づき第一項の規定による基本方針の趣旨に沿つて運用すべきことを、厚生労働省令で定めるところにより、示さなければならない。 art-78/par-3 · https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-3 When investing by the methods listed in items (iii) and (v) of paragraph (1) of the preceding Article (excluding the payment of insurance premiums specified by Cabinet Order), the Organization must, as provided for by Order of the Ministry of Health, Labour and Welfare, indicate to the counterparty to the contract concerning that investment that it is to invest, based on consultation, in line with the purport of the basic policy under the provisions of paragraph (1). machine translation, not official --- ## Cites - art-78/par-2: 前項 → 中小企業退職金共済法 第七十八条第一項 (Article 78, paragraph (1)), art-78/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-1 - art-78/par-3: 前条第一項第三号 → 中小企業退職金共済法 第七十七条第一項第三号 (Article 77, paragraph (1), item (iii)), art-77/par-1/item-3 — https://japanlaw.org/en/sme-retirement-allowance-act/art-77/par-1/item-3 - art-78/par-3: 第五号 → 中小企業退職金共済法 第七十七条第一項第五号 (Article 77, paragraph (1), item (v)), art-77/par-1/item-5 — https://japanlaw.org/en/sme-retirement-allowance-act/art-77/par-1/item-5 - art-78/par-3: 第一項 → 中小企業退職金共済法 第七十八条第一項 (Article 78, paragraph (1)), art-78/par-1 — https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-1 ## Cited by 4 provisions cite this one. No official source publishes this direction. - 中小企業退職金共済法 第六十九条の二第二項（資産運用委員会の設置及び権限） — https://japanlaw.org/en/sme-retirement-allowance-act/art-69-2/par-2 - 中小企業退職金共済法 第七十八条第二項（余裕金の運用に関する基本方針等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-2 - 中小企業退職金共済法 第七十八条第三項（余裕金の運用に関する基本方針等） — https://japanlaw.org/en/sme-retirement-allowance-act/art-78/par-3 - 中小企業退職金共済法 附則第九条第一項（事業年度に関する経過措置） — https://japanlaw.org/en/sme-retirement-allowance-act/suppl-3561-38/art-9/par-1 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 中小企業退職金共済法 — the text in force from 2025-06-01 (https://laws.e-gov.go.jp/law/334AC0000000160/20250601_504AC0000000068), retrieved 2026-11-06 - Japanese Law Translation Database System, Ministry of Justice (法務省) — 中小企業退職金共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/1775), retrieved 2026-09-23 - claude-sonnet-5-5 — Machine translation, batch sme-retirement-allowance-act-20261106T173426-015, translated 2026-11-07 - claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-retirement-allowance-act-20261106T173426-015, translated 2026-11-07 - This site's parser, version 225 — 中小企業退職金共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06