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圣灵霜子 · 2020年10月14日

问一道题：NO.PZ2018091705000021 [ CFA III ]

  1. CFA III
  2. 个人IPS

问题如下：

Allen is an investment manager, who recently recruited a new customer, Polly. Polly invested $100,000 in an asset for 20 years that promises to offer an annual interest of 8% before tax without any capital gain. But the investment account is expected to be taxed 15% annually. Calculate the post-tax return on the investment after 20 years later.

选项：

A.

$383,121.09

B.

$372,756.35

C.

$339,092.56

解释：

B is correct.

考点：Accrual Taxation

解析：根据Accrual taxes的公式，可得：

FVAT=PV[1+R(1−T)]N=100,000×(1+8%(1−15%))20=372,756.35FV_{AT}=PV{\lbrack1+R(1-T)\rbrack}^N=100,000\times{(1+8\%{(1-15\%)})}^{20}=372,756.35

请问题目中问的不是20年后的return吗？为什么不需要减去本金100000呢？
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王暄_品职助教 · 2020年10月15日

嗨，努力学习的PZer你好：


同学你好，这题是问题问的不好，应该改成：Calculate the post-tax value of the account in 20 years

谢谢同学指出!


-------------------------------
就算太阳没有迎着我们而来，我们正在朝着它而去，加油！


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Allen is investment manager, who recently recruitea new customer, Polly. Polly investe$100,000 in asset for 20 years thpromises to offer annuinterest of 8% before twithout any capitgain. But the investment account is expecteto taxe15% annually. Calculate the post-treturn on the investment after 20 years later. $383,121.09 $372,756.35 $339,092.56 B is correct. 考点AccruTaxation 解析根据Accrutaxes的公式，可得 FVAT=PV[1+R(1−T)]N=100,000×(1+8%(1−15%))20=372,756.35FV_{AT}=PV{\lbrack1+R(1-T)\rbrack}^N=100,000\times{(1+8\%{(1-15\%)})}^{20}=372,756.35FVAT​=PV[1+R(1−T)]N=100,000×(1+8%(1−15%))20=372,756.35 老师，这一题是问Return，不是问FV。 为啥结果不用减去本金？

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Allen is investment manager, who recently recruitea new customer, Polly. Polly investe$100,000 in asset for 20 years thpromises to offer annuinterest of 8% before twithout any capitgain. But the investment account is expecteto taxe15% annually. Calculate the post-treturn on the investment after 20 years later. $383,121.09 $372,756.35 $339,092.56 B is correct. 考点AccruTaxation 解析根据Accrutaxes的公式，可得 FVAT=PV[1+R(1−T)]N=100,000×(1+8%(1−15%))20=372,756.35FV_{AT}=PV{\lbrack1+R(1-T)\rbrack}^N=100,000\times{(1+8\%{(1-15\%)})}^{20}=372,756.35FVAT​=PV[1+R(1−T)]N=100,000×(1+8%(1−15%))20=372,756.35  the investment account is expecteto taxe15% annually.为什么不是account整体征税，为什么只有增值部分征税？

2019-12-09 20:51 1 · 回答

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