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Carolyne · 2025年06月27日

流动性低VS unforeseen cost

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NO.PZ201805280100000305

问题如下:

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.

解释:

这道题令人迷惑的地方在于 文中明明写了 用于 unforeseen cost那么不就是 unexpected needs account吗?如果是用于unforeseen cost的话 应该是是high liquidity needs 而文中又说low liquidity needs. 这怎么理解。

Carolyne · 2025年06月27日

我看到了unforeseen cost occur in more than a decade 所以是low liquid needs.但是题目中给的 unexpected needs为什么就理所当然认为是ST, high liquidity needs? 为什么unexpected needs不能包含 长期的 unforeseencosts?

1 个答案

Lucky_品职助教 · 2025年06月27日

嗨,努力学习的PZer你好:


题目中 Young 希望将部分退休支出用于十年以上可能发生的 unforeseen cost,且她流动性需求极低。Unexpected Needs 账户虽名义用于意外支出,但按定义需高流动性以应对短期突发需求,若用于长期权益投资会因市场波动影响应急资金的可变现性,违背账户功能。而 Reallocated Money Market 账户作为税后账户,资金使用时间远在十年后,流动性需求极低,更适合长期权益投资,既能利用经纪人看好的股市前景增值,又不影响短期应急资金的配置,因此该账户最适合实施经纪人的建议。

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