嗨,努力学习的PZer你好:
在个人ips中说到将equity with long investment horizon放入TEA账户,因为capital gain大。但在Asset Allocation经典题Reading 7, 1.2.(2)答案里提到,assets eligible for deferred capital gain tax treatment/ equities 放在taxable account里,因为long-term capital gain has lower tax rate。感觉这两个地方有冲突,请老师解答。
这里两个都是对的,角度不同。
equity with long investment horizon放入TEA账户,因为capital gain大
这道题是投资期长,并且题干还说:投资者会频繁trade某支股票,频繁trade股票会不停产生capital gain tax,所以放入TEA账户会免税。
assets eligible for deferred capital gain tax treatment/ equities 放在taxable account里,因为long-term capital gain has lower tax rate
这道题则是题干明确说了CGT要更低。
----------------------------------------------虽然现在很辛苦,但努力过的感觉真的很好,加油!