经典题-Reading 23 Risk management for individuals,第6题, 问下面哪句是错误的，答案是statement 1. 为什么statement 3 不是错误的呢？如果Janice waits to purchase the annuity, 我们在课堂上讲的，等的越久，N下降，所以PMT上升，所以income yield 应该上升才对。高亮的部分应该是错误的吧？应该是 it would be reduced by smaller amount the longer she waits to purchase the annuity, 相当于 adding 10 year certain option 跟 waiting 的效果会cancel out.
