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pzcfa2017 · 2019年12月04日

问一道题:NO.PZ2015112003000014

问题如下:

Lorraine Newman is evaluating whether to save for retirement using a TDA or a taxexempt account. The TDA permits tax-deductible contributions but withdrawals will be taxed at 30 percent. The tax-exempt account permits tax-free accumulation and withdrawals but contributions are taxable at a 40 percent tax rate. Assuming contribution limits do not affect Newman’s choice of accounts, which account should she choose?

选项:

A.

TDA.

B.

Tax-exempt.

C.

The choices are the same.

解释:

A is correct.

The future accumulation of the TDA is (1 + r)n(1 − 0.30), whereas the future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the TDA will accumulate more wealth.

既然是retirement account, 如果这两个account 的税率相等的, 是不是还应该选TDA?因为retirement account不总是withdraw, 但是老师要往里面放工资进去

1 个答案
已采纳答案

包包_品职助教 · 2019年12月05日

嗨,努力学习的PZer你好:


如果这两个的税率都相等,那就没有差别了。因为我们考虑放进去哪个主要要看终值,谁的终值大就说明谁划算,税率相等,终值就相等所以一样的

 


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