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婷 · 2022年01月24日

为什么选择taxable account？

  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.

解释：

​为什么选择taxable account，而不是retirement account？请问题中哪里提到股票税负低于债券？哪里提到股票的交易频率比较低？

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1 个答案

郭静_品职助教 · 2022年01月25日

嗨，爱思考的PZer你好：


原文红框这句话说，broker对于长期股票市场的预期是积极的并建议增加投资，说明现在股票是做长期持有而不是短期投机高频交易。

对于长期持有的股票，一个收益是期间现金流（股利），它相较于bond每年产生的利息而言是比较少的；另一个收益是卖出股票时产生资本利得，因为是长期持有，其实这里已经有了deferred capital gain tax treatment的效果。

综合以上两点，对于长期持有的股票，可以将它放在taxable accout。

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