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mino酱是个小破货 · 2024年12月26日

烦请老师帮忙看下是否可以这么回答，谢谢老师

  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：

Reallocatedd money markd is best suited for implementing the broker’s recommendation.Since education、unexpected needs and retirement are near-term and higher liquid needs, so we can't use it. Addiditon equity market is less liquid and longer investment, reallocated money market is much better.

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1 个答案

Lucky_品职助教 · 2024年12月27日

嗨，爱思考的PZer你好：


同学你好：


你的答案前半部分关于流动性的没有问题，但是后半句说的有些太简单了。


首先，通过流动性我们可以排除education和Unexpected needs这两个账户，因为他们要求的流动性较高，所以长期持有股票不合适。

之后符合长期和流动性需求低要求的两个账户retirement和reallocated money market account区别在于他们的税收类型不一样，这里考察的知识点就是不同账户税收对收益或者说投资的影响。

如果没有另外交代，reallocated money market就是long term holding 的 taxable account，是普通的税收账户，没有税收优惠；而题目开始之初，则指出了retirement account是tax-deferred account。

所以得出的结论就是，股票应该放在taxable account中，也就是题目中的 reallocated money market account。

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