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toffee · 2023年05月04日

这样答可以不

  1. CFA III
  2. Asset Allocation

* 问题详情，请 查看题干

NO.PZ201805280100000305

问题如下：

Young decides to accept the retirement offer. Having very low liquidity needs, she wants to save part of the retirement payout for unforeseen costs that might occur more than a decade in the future. The broker’s view on long term stock market prospects is positive and recommends additional equity investment.

Determine which of Young’s accounts (education, retirement, reallocated money market, or unexpected needs) is best suited for implementing the broker’s recommendation.

选项：

解释：

reallocated money market account is most suitable to implement the suggestion.

 Young has low liquidity needs. long term stock market prospects is positive. 

so holding stock longer has a best favorable tax treatment. it should be allocated into taxable account. 

 最后一句表达的意思就是 对于有税收优惠的产品 应该放在纳税账户中；而对于没有税收优惠的产品应放在TDA或TEA中，不知道以上的答法怎么样？考试时间紧，我觉得也就是也个三句话的样子，做不到答案那么精准的描述。

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1 个答案

lynn_品职助教 · 2023年05月05日

嗨，努力学习的PZer你好：


reallocated money market account is most suitable to implement the suggestion.

 Young has low liquidity needs. long term stock market prospects is positive. 

so holding stock longer has a best favorable tax treatment. it should be allocated into taxable account. 

 最后一句表达的意思就是 对于有税收优惠的产品 应该放在纳税账户中；而对于没有税收优惠的产品应放在TDA或TEA中，不知道以上的答法怎么样？考试时间紧，我觉得也就是也个三句话的样子，做不到答案那么精准的描述。


可以的，同学说的非常对，“考试时间紧，我觉得也就是也个三句话的样子，做不到答案那么精准的描述。”，我们在平时练习时可以注意这一点，多总结精炼。

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努力的时光都是限量版，加油！

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