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豆好 · 2021年06月02日

没看懂助教的回答

  1. CFA III
  2. 个人IPS

NO.PZ2015112003000014

问题如下：

Lorraine Newman is evaluating whether to save for retirement using a TDA or a taxexempt account. The TDA permits tax-deductible contributions but withdrawals will be taxed at 30 percent. The tax-exempt account permits tax-free accumulation and withdrawals but contributions are taxable at a 40 percent tax rate. Assuming contribution limits do not affect Newman’s choice of accounts, which account should she choose?

选项：

A.

TDA.

B.

Tax-exempt.

C.

The choices are the same.

解释：

A is correct.

The future accumulation of the TDA is (1 + r)n(1 − 0.30), whereas the future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the TDA will accumulate more wealth.

看了前面的提问，助教的回答我更困惑了。 tax exempt 应该（1+0.6*R）^N ，为什么会等于 （1+R）^N* 0.6？
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王暄_品职助教 · 2021年06月02日

同学请看题目:

The tax-exempt account permits tax-free accumulation and withdrawals but contributions are taxable at a 40 percent tax rate. Assuming contribution limits do not affect Newman’s choice of accounts, which account should she choose?


因为在TEA账户中，往里存钱要交40%的税，所以(1-40%)=60%=0.6

则future value in TEA=(1-0.4)(1+r)^n=0.6*(1+r)^n

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NO.PZ2015112003000014 老师，想问请问一下，T账户的话，只有取出钱的时候要交税，税率为30% TEA是把钱放入这个账户要交税，取出来不用交税，税率为40% 那么，我们把钱放入账户，后期通过投资收益，我们的钱会越来越多，那么，如果是取出来交税的话，那不是取出来交税的tax更多吗？ 那我们不是应该选择TEA吗，就是把钱放入这个账户要交税，更划算

2021-09-19 15:08 1 · 回答

NO.PZ2015112003000014 Tax-exempt. The choices are the same. A is correct. The future accumulation of the T is (1 + r)n(1 − 0.30), wherethe future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the T will accumulate more wealth.这道题没读太明白，是说每年存钱进帐户的时候，2种情况都不用交税吗？只有取钱的时候税率不同？谢谢！

2021-08-23 19:54 1 · 回答

Tax-exempt. The choices are the same. A is correct. The future accumulation of the T is (1 + r)n(1 − 0.30), wherethe future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the T will accumulate more wealth.关于tea还是有点问题。这个题目也没说是已经在portfolio里面的钱，我怎么都觉得tea不该是1+r，因为这个1应该是1x（1-0。4），毕竟这个钱是要交ornary income tax的。或者是第二个公式是化简后的，我没有看出来？还是希望老师给说说。谢谢老师！

2021-04-19 08:05 1 · 回答

Tax-exempt. The choices are the same. A is correct. The future accumulation of the T is (1 + r)n(1 − 0.30), wherethe future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the T will accumulate more wealth.如果从早交税不如晚交税的角度看，是不是即使税率一样也应该选T？

2020-11-07 15:13 2 · 回答