NO.PZ2022122801000055
问题如下：
Emma Young, a 47-year-old
single mother of two daughters, ages 7 and 10, recently sold a business for
$5.5 million net of taxes and put the proceeds into a money market account. Her
other assets include a tax-deferred retirement account worth $3.0 million, a $500,000
after-tax account designated for her daughters’ education, a $400,000 after-tax
account for unexpected needs, and her home, which she owns outright.
Her living expenses are fully covered by her job. Young wants to
retire in 15 years and to fund her retirement from existing assets. An orphan
at eight who experienced childhood financial hardships, she places a high
priority on retirement security and wants to avoid losing money in any of her
three accounts.
Ten years later, Young is considering an early-retirement package
offer. The package would provide continuing salary and benefits for three
years. The broker recommends a special review of Young’s financial plan to
assess potential changes to the existing allocation strategy.
Identify the primary reason for the
broker’s reassessment of Young’s circumstances. Justify your response. (新增课后题)
选项：
解释：
看下我的答案：
change in constraints:
1.the asset liquidity is changed ,before 10 years ago ,she can permit a long-term investment ,but now she needs more liquidity for her retirement ,so some investment needs change to short-term.
2.the risk tolerance will go down ,so it needs some asset volatility decreasing.
这里我强调了风险容忍度下降，我看答案写的不变？下降可以吗？
change in beliefs:
the primary goal is to retire requirement, before 10 years ago , earning more money is more important ,but now the retirement quality is more important.
这里答案也说没变，我写的退休更重要了，会不会得分？
