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Carina9999 · 2023年08月24日

怎么看出来是DB plan

NO.PZ2022122701000024

问题如下:

Tolmach reviews the entire Plan’s characteristics, asset allocation, and benchmark. Tolmach observes that the Plan’s benefits are no longer indexed to inflation and that the workforce is, on average, younger than it was when the current fund allocations were approved. Tolmach recommends a change in the Plan’s asset allocation policy. Based on the final section of Tolmach’s report, the Plan should use:

选项:

A.

a liability-based benchmark.

B.

an absolute return benchmark.

C.

a manager universe benchmark.

解释:

Correct Answer: A

Based on the Plan’s type (defined benefit) and its characteristics as detailed in the final section of Tolmach’s report, a liability-based benchmark is most appropriate. Liability-based benchmarks are used most frequently when assets are required to pay a specific future liability, as in a defined benefit pension plan.

怎么看出来是DB plan

1 个答案

笛子_品职助教 · 2023年08月27日

嗨,爱思考的PZer你好:


我们看题干,题目说到:

entire Plan’s characteristics

因此这是一个退休计划,退休计划一般是DB或者DC。


其次,Tolmach observes that the Plan’s benefits are no longer indexed to inflation

并没有和通胀挂钩。

我们知道,如果不考虑负债,只看资产增值的话,一般需要满足某个目标。有一个收益率要求,取决于spending、infaltion以及管理费。

这里并没有和通胀挂钩,因此排除DC。


所以本题Based on the Plan’s type (defined benefit)

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