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Mia Li · 2025年02月11日

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NO.PZ201805280100000303

问题如下:

The broker suggests that Young rebalance her $5.5 million money market account and the $3.0 million tax-deferred retirement account periodically in order to maintain their targeted allocations. The broker proposes the same risk profile for the equity positions with two potential target equity allocations and rebalancing ranges for the two accounts as follows:
■ Alternative 1: 80% equities +/– 8.0% rebalancing range
■ Alternative 2: 75% equities +/– 10.7% rebalancing range

解释:

For $5.5mil account, the after-tax account has a less volatile feather, therefore should choose a wider rebalancing range. For $3 million TDA, its volatility is relatively higher which should apply for a narrow rebalancing range.From the other perspective, the mm account which is taxable, to avoid the tax effect, we should avoid frequent trading which might bring in more capital gain for tax application. Also a wider rebalancing range should apply. 这两个原因可以吗?

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