朋友你好,希望你能留下电子邮箱地址,以便我可以把有关文献发送给你。谢谢!下面是文献简要,希望您能满意。This article challenges two aspects of the traditional approach to calculating a family's asset allocation. First, it emphasizes the need to distinguish between before-tax and after-tax funds when calculating the asset allocation. Second, it argues that a family's portfolio should be broadened to include, at a minimum, (1) the value of retirement income streams, such as Social Security and company pensions and (2) the mortgage as a short position in bonds. As we shall see, a family's asset allocation varies dramatically depending upon whether we adjust account values for taxes and what we include in the family portfolio.