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lz523 · 2024年07月14日

unexpected needs账户为什么不行？

  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：

题目中不是说she wants to save part of the retirement payout for unforeseen costs that might occur more than a decade in the future.说明这个unexpected needs账户也不要求很高的流动性啊，十来年才用得到的，所以我觉得这个账户也可以

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1 个答案

lynn_品职助教 · 2024年07月15日

嗨，从没放弃的小努力你好：


因为我们是要从几个选项中选，相比之下把这个账户排除的。从这道题目问的是，以下哪一个投资账户适合投资broker的建议（即投入更多的资金到股票账户）


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。因为符合长期和流动性需求低要求的两个账户retirement和reallocated区别只在于税。


原文中提到，broker对于股票市场的长期表现是持positive的观点。所以，要投入到股票市场的这笔钱必须是短期用不上的钱，以获得股票市场的长期收益。Unexpected needs意味着这笔现金流流出的时间和金额是不确定，极端情况可能下一秒或者第二天就要用上这笔钱，因而肯定不可能投入到股票市场上的，更应该投的是货币市场基金，比方说T+0可随时申购赎回产品，以应对不确定性。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。

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