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Yuyu · 2022年12月06日

题目是不是有问题

  1. CFA III
  2. Asset Allocation

* 问题详情，请 查看题干

NO.PZ202206210100000502

问题如下：

Which of the sub-portfolios dedicated to Lennon’s aspirational goals is in the best position to tolerate the greatest risk exposure? The one dedicated to:

选项：

A.Everett’s education

B.Marshall’s trust

C.University endowment

解释：

Solution

A is correct. Both of the funds planned for the trust and university endowment represent an imminent need (immediate for the trust and within two years for the endowment). The funding needed for education, however, extends over the longest time horizon, possibly as long as 8 to 10 years. Thus, its sub-portfolio would be in the best position to take on the greatest risk.

B is incorrect. Although the special needs trust for Marshall will provide benefits for his entire life, and therefore has a long-time horizon, from Lennon’s perspective it requires immediate funding and should be very liquid and bear little risk.

C is incorrect. Funding of the university endowment involves a short-term time horizon (within two years) so it should bear little risk.

题干里不是说了孩子刚好读大学了？那不是短期目标吗

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1 个答案

lynn_品职助教 · 2022年12月07日

嗨，爱思考的PZer你好：


题干里不是说了孩子刚好读大学了？那不是短期目标吗

是的，本来应该是这样，但这道题背景特殊。


这题在经典题讲过，有答案版第5页。非常特殊的一道题。


Lennon plans on paying for his entire education and living expenses as well as providing some assistance in funding his future practice.


Lennon决定要支付孩子的学费、生活费，以及部分工作之后的费用，所以这不是一次性就要付清的，而是一个很长的投资期。并且 Everett 读的是medical degree，在美国学医通常要经历8-10年。

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