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子珊珊 · 2023年06月04日

retirement 这里 担心医疗费用不够是干扰项吗?

NO.PZ2018091705000110

问题如下:

McZhao continues the discussion with Cree in order to evaluate his degree of risk tolerance associated with each of the following individual goals:


Retirement: Cree considers retirement a long- term goal and is willing to endure a 10% drop in expected retirement spending. However, he is very concerned with having sufficient funds to cover medical expenses.

Investment property: Cree sees the investment property as a source of stable income, so it is very important to him to purchase the building. He realizes that maintenance and repair expenses will be necessary, and he also considers those very important.

Philanthropy: Cree’s wife strongly influences him to fund her philanthropic causes, and he wants to maintain some level of annual contribution. Cree believes that his wife would be willing to maintain her $10,000 per year contributions and not increase that amount.

Antique furniture: Cree is willing to reduce or eliminate his spending on antique furniture.

Determine Cree’s degree of risk tolerance associated with each of the following individual goals. Justify each response.



解释:



我理想是 longterm goal所以 tolerance 高,但医疗费用不也是重要因素吗

1 个答案

王暄_品职助教 · 2023年06月05日

对的,其实是个干扰项

第一:因为retirement这点属于long-term goal;time horizon越长,risk tolerance越高

第二:他也说了,他可以承受10%的drop in spending;则灵活度高,灵活度越高,risk tolerance 越高。

即便担心无法cover医疗费,也是很久以后的事情,现在有足够的时间去generate return

那么综上所述,risk tolerance is high

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