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豆好 · 2021年06月02日

没看懂助教的回答

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

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2021-08-23 19:54 1 · 回答

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2021-04-19 08:05 1 · 回答

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2020-11-07 15:13 2 · 回答