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王子慕卿 · 2024年02月19日

这道题为什么B不对呀？

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ202109080500000404

问题如下：

With respect to Virginia’s preference for the goal-based investing approach, her comment that is most appropriate is the one dealing with:

选项：

A.risk tolerance.

B.growth toward a goal.

C.probability of success of a goal.

解释：

Solution

A is correct. Only the comment about risk tolerance specifically addresses goal-based investing, and her statement is correct.

B is incorrect. Straight-line growth is not a feature of goal-based investing; it is a component of the deterministic forecasting method for determining capital sufficiency in which a given return is assumed to compound until the investment horizon is reached.

C is incorrect. Probability of success is not a feature of goal-based investing; it is an outcome of the Monte Carlo method for determining capital sufficiency.

感觉B好像也没什么问题

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1 个答案

王暄_品职助教 · 2024年02月19日

在goal-based invesnting中，并不是用的straight-line，straight-line是在daterminstic model中使用的，即我们常说的确定性模型，确定性模型中的投资组合增长以“线性”的形式发生。例如，假设客户的投资期限为15年，manager首先确定好该客投资组合，并预期年化回报率为6%。在确定模型中，客户就可以预计在接下来的15年里，每年额的年化收益为6%。确定性模型非常简单，但就未来潜在结果的可变性而言，确定性模型是不切实际的。

 

而goal-based investing中，我们一般使用蒙特卡洛模拟去确定资本充足率

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2023-06-03 11:16 1 · 回答