为什么不选unexpected needs？

NO.PZ201805280100000305 问题如下 Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention. 这种账户都是taxable account, low liquity nee吗？我这道题选了retirement 因为没看到题目说reallocatemoney account是long term holng 的 taxable account呀？

NO.PZ201805280100000305 问题如下 Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention. Emma Young, a 47-year-olsingle mother of two ughters, ages 7 an10, recently sola business for $5.5 million net of taxes anput the procee into a money market account. Her other assets inclu a tax-ferreretirement account worth $3.0 million, a $500,000 after-taccount signatefor her ughters’ ecation, a $400,000 after-taccount for unexpectenee, anher home, whishe owns outright.Her living expenses are fully covereher joYoung wants to retire in 15 years anto funher retirement from existing assets. orpheight who experiencechiloofinanciharhips, she places a high priority on retirement security anwants to avoilosing money in any of her three accounts.NO.PZ201805280100000305问题如下Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention.我的回答The reallocatemoney market account shoulimplement the recommention. Equities have lower trate thbon, so it shoulput into taxable account.Young hlittle liquity nee, so holng stocks longer in taxable account is better while ecation anunexpectenee accounts neemore liquity.老师，第三句我是否可以不写？因为考试时可能来不及。

NO.PZ201805280100000305 问题如下 Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention. 通过流动性我们可以排除ecation和Unexpectenee这两个账户，因为他们要求的流动性较高，所以长期持有股票不合适。以上助教的没有看懂。 unexpectenee考虑是明白的。但是主人公由于儿时经历，对retirement的安全度要求非常高，所以应该少配置equity啊。另外两个孩子7岁和10岁，上大学还早，所以时间期限比较长，可以投资equity，为什么不选呢

NO.PZ201805280100000305 问题如下 Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention. 如果长期观点是正向的，说明股权价值会大幅涨价，产生大量的capitgain tax。如此一来，不是放在tefficient accounts比放在taxable accounts更合理吗？

NO.PZ201805280100000305 问题如下 Young cis to accept the retirement offer. Having very low liquity nee, she wants to save part of the retirement payout for unforeseen costs thmight occur more tha ca in the future. The broker’s view on long term stomarket prospects is positive anrecommen aitionequity investment.termine whiof Young’s accounts (ecation, retirement, reallocatemoney market, or unexpectenee) is best suitefor implementing the broker’s recommention. reallocatemoney market account is most suitable to implement the suggestion. Young hlow liquity nee. long term stomarket prospects is positive. so holng stolonger ha best favorable ttreatment. it shoulallocateinto taxable account. 最后一句表达的意思就是 对于有税收优惠的产品 应该放在纳税账户中；而对于没有税收优惠的产品应放在T或TEA中，不知道以上的答法怎么样？考试时间紧，我觉得也就是也个三句话的样子，做不到答案那么精准的描述。