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小招财猫 · 2023年12月10日

family expense为什么在本题没有考虑

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000302

问题如下：

Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:

选项：

A.

A$0.

B.

A$331,267.

C.

A$2,078,101.

解释：

B is correct.

The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.

Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.

1、family expense是95000，且每年下降3000，那么每年的PMT要减3000，一共要减去多少年

2、为什么在本次计算中，不考虑family expense

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王暄_品职助教 · 2023年12月14日

考试中per year 都按照一年算吗 比如tuition fee would be ￥5000 per year ，是只交一年学费吗

您的这句话，指每一年都是5,000

王暄_品职助教 · 2023年12月13日

family expense decline by 3000 PER YEAR。这句话翻译过来就是每年都减少3万。。。per year的意思是每年，decline是下降，这里就是每年下降的意思。

不是递进式的，如果是递进式的应该是：family expense decline by 30,000 per year incrementaly

另外如果真的是每年递进地下降30,000，降不了几年，family expense归零，不符合实际。


王暄_品职助教 · 2023年12月12日

1、家庭费用每年下降3万，到了第三年就变成5000块了；而olive和孩子的费用至少在6年内还是65000。 1、olive的费用每年5万要持续44年，而family expense在第四年就减成0了，因为family 费用，decline by 3000 PER YEAR，而不是one year，第一年下降3万，第二年继续下降3万，第三年继续下降3万，所以这两者没有关联关系。 还是不明白

并不是持续

family expense下降后，变成了65000 per year，并不是每年下降30000

同样，Olive和孩子的费用分别变成了55000 per year，孩子的费用变成了15000 per year，之后都是这样，因此加总后等于65000 per year

因此两个条件本质为同一个条件



王暄_品职助教 · 2023年12月11日

我们先看这个图里红框部分：

丈夫没死，family living expense为95,000

后续又给出条件，如果丈夫死了，family living expense 下降30,000，则为65,000

 

接着再看下图：

Olivia 50,000 + Children 15,000 = 65,000

 

所以，不用再算一遍family living expense 

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