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toffee · 2023年05月14日

我这样写是否也可以,感觉和答案差不多嘛?

NO.PZ2019100901000013

问题如下:

Fiona Heselwith is a 40-year-old US citizen who has accepted a job with Lyricul, LLC, a UK-based company. Her benefits package includes a retirement savings plan. The company offers both a defined benefit (DB) plan and a defined contribution (DC) plan but stipulates that employees must choose one plan and remain with that plan throughout their term of employment.

The DB plan is fully funded and provides full vesting after five years. The benefit formula for monthly payments upon retirement is calculated as follows:

Final monthly salary × Benefit percentage of 2% × Number of years of service

The final monthly salary is equal to average monthly earnings for the last five financial years immediately prior to the retirement date

The DC plan contributes 12% of annual salary into the plan each year and is also fully vested after five years. Lyricul offers its DC plan participants a series of life-cycle funds as investment choices. Heselwith could choose a fund with a target date matching her planned retirement date. She would be able to make additional contributions from her salary if she chooses

Discuss the features that Heselwith should consider in evaluating the two plans with respect to the following:

i. Benefit payments

ii. Contributions

iii. Shortfall risk

iv. Mortality/longevity risks

选项:

解释:

DB plan

benefit payment:the benefit payment is defined by the formula: Final monthly salary × Benefit percentage of 2% × Number of years of service. the benefit payment is contractual obligation by plan sponsor.

contributions: the plan sponsor contributes mostly to the pension asset. the emploees contribute a little.

shortfall risk: the pension plan asset cannnot meet the future contractual obligation.

mortality/longevity risk: the employees can not live longer than the average expected. they leave their asset for that alive. there is no longevity risk for DB plan

DC plan

benefit payment:the benefit payment is uncertain depending on the performance of investment. the employees bear investment risk

contributions: the employees contribute mostly to pension plan asset. the employer contributes little.

shortfall risk: the retirement goal cannot be achived due to not enough pension asset

mortality/longevity risk: the employees bears longevity risk.

1 个答案

lynn_品职助教 · 2023年05月15日

嗨,从没放弃的小努力你好:


内容都没有问题,同学组织一下句子,回答的要点到时候可以根据题目的时间来,比如两分钟的题答1-2个点


6分钟的题尽量答3个要点,现在因为我们还在学习阶段(三级非常依靠做题来学习)我们要把答案中的每一点都掌握,但是考试时漏一两点没有问题的。


宁缺勿错,没有把握的点不需要堆砌上去,因为拿不到分而且还给阅卷老师制造误导情况。

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