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阿弥陀佛 · 2021年04月09日

为什么statement 2是不正确的?

Next, Quinn discusses taxation of investments with the Martins. Their interest income is taxed at 35%, and capital gains and dividends are taxed at 20%. The Martins want to minimize taxes. Based on personal research, Neal makes the following two statements:

Statement 1The after-tax return volatility of assets held in taxable accounts will be less than the pre-tax return volatility.

Statement 2Assets that receive more favorable tax treatment should be held in tax-deferred accounts.



Q. Which of Neal’s statements regarding the taxation of investments is correct?

  1. Statement 1 only
  2. Statement 2 only
  3. Both Statement 1 and Statement 2

Solution

A is correct. Taxes alter the distribution of returns by both reducing the expected mean return and muting the dispersion of returns. The portion of an owner’s taxable assets that are eligible for lower tax rates and deferred capital gains tax treatment should first be allocated to the investor’s taxable accounts.



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郭静_品职助教 · 2021年04月09日

嗨,努力学习的PZer你好:


“Assets that receive more favorable tax treatment should be held in tax-deferred accounts.”

翻译过来是有税收优惠的资产要放在 tax-deferred accounts中,下划线是Asset的定语,所以正好说反了,

正确说法应该是Assets that receive more favorable tax treatment should be held in taxable accounts.

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郭静_品职助教 · 2021年04月09日

嗨,从没放弃的小努力你好:


关于税收优惠,可以记一个结论:有税收优惠的资产可以放在普通投资账户(taxable account)里面,而税率比较高的资产类型,可以放在有税收优惠的账户(tax-exempt account,tax-deferred account)里面。这样做资产配置交的税才能更少。


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努力的时光都是限量版,加油!

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