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必过1030_ · 2020年01月25日

问一道题:NO.PZ201805280100000202

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问题如下:

The most appropriate asset allocation for the Martins’ new charitable gift sub-portfolio is:

选项:

A.

40% equities/60% bonds.

B.

70% equities/30% bonds.

C.

100% equities/0% bonds.

解释:

C is correct.

The Martins sub- portfolio is aspirational and a low priority. Investors are usually willing to take more risk on lower- priority, aspirational portfolios. The charitable gift will be made from their estate, which indicates a long time horizon. In addition, the Martins want the highest return possible.Therefore, the highest allocation to equities is most appropriate.

1、怎么看出慈善是长期目标呢?

2、三个选项都超出设定的范围了啊。

1 个答案

Shimin_CPA税法主讲、CFA教研 · 2020年02月03日

嗨,努力学习的PZer你好:


退休账户的分配比例是60/40(+-8%),是Martin所有的钱的分配比例。用于慈善的钱占退休账户的15%,这15%作为sub-portfolio,因为另有用途,所以要基于它自己的投资目标,目标的特点是aspirational and low priority,所以可以承担高风险,且不用担心本金损失,因此可以放心大胆的投资。

making a charitable gift to their alma mater from their estate, estate这里是遗嘱的意思,所以做慈善是长期目标。


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虽然现在很辛苦,但努力过的感觉真的很好,加油!