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moon · 2021年12月10日

为什么不选unexpected needs？

  1. CFA III
  2. Asset Allocation

* 问题详情，请 查看题干

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.

选项：

解释：

为什么不选unexpected needs？

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1 个答案

郭静_品职助教 · 2021年12月12日

嗨，努力学习的PZer你好：


这道题目问的是，以下哪一个投资账户适合投资broker的建议（即投入更多的资金到股票账户）

原文中提到，broker对于股票市场的长期表现是持positive的观点。所以，要投入到股票市场的这笔钱必须是短期用不上的钱，以获得股票市场的长期收益。Unexpected needs意味着这笔现金流流出的时间和金额是不确定，极端情况可能下一秒或者第二天就要用上这笔钱，因而肯定不可能投入到股票市场上的，更应该投的是货币市场基金，比方说T+0可随时申购赎回产品，以应对不确定性。


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