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Carina9999 · 2022年11月16日

这题什么意思呢?

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NO.PZ202109080500000104

问题如下:

Risk to which of the following is least likely to compromise the Grahams’ ability to achieve their financial and aspirational goals?

选项:

A.Health B.Earnings C.Property

解释:

Solution

C is correct. Because property is a financial asset, property risk is normally considered to be associated with a potential loss of financial capital, whereas earnings and health risk can affect both financial and human capital. Although the value of the Grahams’ residence is significant, it is a minor portion of the family’s overall financial and human capital. Thus, property risk is least likely to adversely affect the Grahams’ ability to maintain their lifestyle, purchase a vacation home, pay for their children’s university education, and fund charitable donations.

A is incorrect. Health risk is the risk and implication associated with illness or injury. Even with insurance, direct financial costs associated with illness or injury may include coinsurance, copayments, and deductibles. Health factors also typically have an impact on life, disability, and long-term care insurance premiums. Health risks also have implications for human capital and financial capital. For example, if a worker becomes disabled, he or she may be unable to work while health expenses are incurred, resulting in a loss to both current assets and future earnings.

B is incorrect. Earnings risk is the risk associated with an individual’s earning potential. Given that there are 15/17 years before retirement, this is a significant risk for them. Earnings can be impacted by death, health issues, unemployment, and underemployment. The loss of earnings reduces human capital by reducing the present value of future expected labor income and financial capital because assets will be needed to make up for any loss of income.

这题什么意思呢?

1 个答案

王暄_品职助教 · 2022年11月16日

本题问的是:以下哪项风险最不可能影响格G夫妇实现financial goal&aspriation goal的能力?

本题选C Property risk:由于财产是一种固定资产,通常我们认为财产风险与金融资本的潜在损失有关,因为如果金融资产有亏损,可能要卖出固定财产。

而health risk and earning risk有极大能力影响金融资产及人力资本。尽管他们家的住宅很贵,但在整个家族的财务和人力资本中,它只占很小的一部分。所以,property risk对G夫妇维持现有生活方式、购买度假屋、支付孩子的大学教育和慈善捐款的能力,造成负面影响的可能性最小。

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