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Christinafx · 2023年08月22日

为什么这道题life insurance不算fianncial capital?

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000307

问题如下：

Based on Exhibit 1, and meeting the Barksdales’ target equity allocation for total economic wealth, the financial capital equity allocation should be closest to:

选项：

A.

35.0%.

B.

54.5%.

C.

56.1%.

解释：

C is correct.

The equity allocation of the Barksdale’s financial capital is calculated as follows:

Total economic wealth = Human capital + Financial capital = $2,900,000 +$900,000 = $3,800,000.

Target equity allocation of total economic wealth = $3,800,000 × 40% =$1,520,000

Human capital equity allocation = $2,900,000 × 35% = $1,015,000

Financial capital equity allocation = $1,520,000 – $1,015,000 = $505,000

%Financial capital equity allocation = Financial equity allocation/Total financial capital= $505,000/$900,000 = 0.5611, or 56.1%

虽然没有提是什么样的life insuarnce， 但是如果是whole life insuance不应该算上去的嘛，因为肯定死了陪这么多

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王暄_品职助教 · 2023年08月22日

因为现在考虑的是他活着的时候，equity allocation应该分配多少；

虽然理论上，寿险是FC没错，但是毕竟只有死了之后才能拿到这笔钱，而我们现在先看看他活着的时候的equity allocation，那肯定不能考虑寿险的理赔额呀

Christinafx · 2023年08月22日

谢谢老师！

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