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lz523 · 2024年07月14日

这里结论好像和个人IPS矛盾啊

  1. CFA III
  2. Asset Allocation

* 问题详情，请 查看题干

NO.PZ202212280100005202

问题如下：

(2) 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：

复习个人IPS,long-term equity应该放TEA账户，和这里说long-term stock要放在taxable账户是矛盾的，怎么理解呢？

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3 个答案

lynn_品职助教 · 2024年07月17日

嗨，从没放弃的小努力你好：


这个其实是教材上一个例题引申出来的题目，理论上，肯定是所有的资产都放免税账户或者税收优惠账户里是最好的，但实际上我们要做税收筹划，就要去合理分配。”


还有一个就是CGT我仔细看了一下题干确实没有说明CGT高还是低，只能从避免频繁的CGT这个角度来解题，题干还是有纰漏的。



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lynn_品职助教 · 2024年07月16日

嗨，从没放弃的小努力你好：


因为题干说了，题干为王。

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lynn_品职助教 · 2024年07月15日

嗨，爱思考的PZer你好：


确实是存在矛盾，但是这里两个都是对的，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，high turnover trading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。

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