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西红柿面 · 2025年05月10日

股票应税账户的Tax loss harvesting这个需要回答出来吗

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NO.PZ201805280100000305

问题如下:

Emma Young, a 47-year-old single mother of two daughters, ages 17 and 20, recently sold a business for $5.5 million net of taxes and put the proceeds into a money market account. Her other assets include a tax-deferred retirement account worth $3.0 million, a $500,000 after-tax account designated for her daughters’ education, a $400,000 after-tax account for unexpected needs, and her home, which she owns outright.
Her living expenses are fully covered by her job. Young wants to retire in 15 years and to fund her retirement from existing assets. An orphan at eight who experienced childhood financial hardships, she places a high priority on retirement security and wants to avoid losing money in any of her three accounts.


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:

股票应税账户的Tax loss harvesting这个需要回答出来吗?这样可以抵税的好处需要回答出来吗

1 个答案

Lucky_品职助教 · 2025年05月12日

嗨,从没放弃的小努力你好:


在这个问题的回答中,即便不提及股票应税账户的 Tax loss harvesting 及其抵税好处,也能依据各账户特性完成对哪个账户适合增加股票投资的判断,因为题目答案重点在于比较账户差异。然而,若提及 Tax loss harvesting 及其抵税好处,会更具优势,在应税账户投资股票出现亏损时可抵税,减少税收负担增加实际收益,能为选择应税的重新分配货币市场账户提供额外支持,在时间和答题空间允许的情况下阐述这点会让答案更有说服力。

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