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nmj1 · 2025年06月05日

after tax和net of tax账户有什么区别？

  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：

after tax和net of tax账户有什么区别？

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1 个答案

Lucky_品职助教 · 2025年06月05日

嗨，努力学习的PZer你好：


“after tax” 账户指资金已完成纳税后的账户，像题目中的 “reallocated money market” 属于 taxable account，资金投入前已缴纳税费，后续收益可能需按规定缴税。

“net of tax” 更侧重强调扣除税费后的净额概念，并非特定账户类型，而是指在计算账户内资产收益或金额时，已将相关税费扣除，体现为扣除税费后的实际所得金额，例如在应税账户中计算最终可支配资金时，需考虑扣除收益产生的税费后得到的净金额。

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