终身年金和蒙特卡洛的区别是？

NO.PZ2021090805000018问题如下 Tom anhis wife scusseretirement income goals anamounts with their investment aisor Johnson. They hope to maintain their current living stanr after retirement anemphasize the importanof having confinin achieving income goals for the rest of their lives.Accorng to Tom Tong's scription of his retirement income goal, whiof the following is the best methoto analyze this goal? A.Annuity pricingB.Mortality tablesC.Monte Carlo simulation A is correct. Tom emphasizethe importanof achieving the lifetime income goof maintaining inflation-austecurrent stanrof living throughout retirement. Analyzing the pricing of joint lifetime annuity to ensure this gois the best wto achieve it. A joint life annuity provi a series of guaranteefixepayments, whicexchangefor a one-time payment long any of them are still alive.B is not correct. The mortality table shows a person's life expectanany specific age. One potentiissue with using mortality tables the only methoto analyze Benetton's retirement goals is the probability thone or both of them will exceethe life expectanof the generpopulation. Therefore, they run the risk of outliving their assets anmneeto retheir annuincome (spenng) gosome point.C is incorrect. Monte Carlo simulation analyzethe likelihooof a client's actuinvestment portfolio meeting their anticipateretirement nee. Although Monte Carlo's output will inclu the probability of achieving Tom's goals, it cannot guarantee ththeir goals will achieve nor woulit necessarily measure the “shortfall magnitu” to achieving their goal. Therefore, they run the risk of outliving their assets anmneeto retheir annuincome (spenng) gosome point.A是正确的。Tom强调了实现终身收入目标的重要性，即在整个退休期间保持经通胀调整的当前生活水平。通过对联合终身年金进行定价来分析这一目标是确保实现这一目标的最佳方法。联合终身年金提供了一系列有保证的固定支付，只要他们中的任何一个还活着，就可以换取一次性付款。B不正确。死亡率表显示了一个人在任何特定年龄的预期寿命。将使用死亡率表作为分析贝纳通退休目标的唯一方法会有一个潜在问题，他们中的一个或两个的年龄超过普通人群预期寿命的概率。因此，他们面临着超过资产寿命的风险，可能需要在某个时候降低年收入（支出）目标。C不正确。蒙特卡洛模拟分析了客户实际投资组合满足预期退休需求的可能性。尽管蒙特卡洛的产出将包括实现Tom目标的概率，但它不能保证他们的目标得到实现，也不一定能衡量实现目标的“缺口大小”。因此，他们面临着超过资产寿命的风险，可能需要在某个时候降低年收入（支出）目标。 这是我的推理 - Mortality table: when the client is worrieabout not ing unexpectey.Annuity: when the client wants to make sure a gois met.monte Carlo: when the client wants to know the situation unr fferent situations sutpolichange or suen inheritan

NO.PZ2021090805000018 问题如下 Tom anhis wife scusseretirement income goals anamounts with their investment aisor Johnson. They hope to maintain their current living stanr after retirement anemphasize the importanof having confinin achieving income goals for the rest of their lives.Accorng to Tom Tong's scription of his retirement income goal, whiof the following is the best methoto analyze this goal? A.Annuity pricing B.Mortality tables C.Monte Carlo simulation A is correct. Tom emphasizethe importanof achieving the lifetime income goof maintaining inflation-austecurrent stanrof living throughout retirement. Analyzing the pricing of joint lifetime annuity to ensure this gois the best wto achieve it. A joint life annuity provi a series of guaranteefixepayments, whicexchangefor a one-time payment long any of them are still alive.B is not correct. The mortality table shows a person's life expectanany specific age. One potentiissue with using mortality tables the only methoto analyze Benetton's retirement goals is the probability thone or both of them will exceethe life expectanof the generpopulation. Therefore, they run the risk of outliving their assets anmneeto retheir annuincome (spenng) gosome point.C is incorrect. Monte Carlo simulation analyzethe likelihooof a client's actuinvestment portfolio meeting their anticipateretirement nee. Although Monte Carlo's output will inclu the probability of achieving Tom's goals, it cannot guarantee ththeir goals will achieve nor woulit necessarily measure the “shortfall magnitu” to achieving their goal. Therefore, they run the risk of outliving their assets anmneeto retheir annuincome (spenng) gosome point.A是正确的。Tom强调了实现终身收入目标的重要性，即在整个退休期间保持经通胀调整的当前生活水平。通过对联合终身年金进行定价来分析这一目标是确保实现这一目标的最佳方法。联合终身年金提供了一系列有保证的固定支付，只要他们中的任何一个还活着，就可以换取一次性付款。B不正确。死亡率表显示了一个人在任何特定年龄的预期寿命。将使用死亡率表作为分析贝纳通退休目标的唯一方法会有一个潜在问题，他们中的一个或两个的年龄超过普通人群预期寿命的概率。因此，他们面临着超过资产寿命的风险，可能需要在某个时候降低年收入（支出）目标。C不正确。蒙特卡洛模拟分析了客户实际投资组合满足预期退休需求的可能性。尽管蒙特卡洛的产出将包括实现Tom目标的概率，但它不能保证他们的目标得到实现，也不一定能衡量实现目标的“缺口大小”。因此，他们面临着超过资产寿命的风险，可能需要在某个时候降低年收入（支出）目标。 蒙特卡洛模拟的作用是得到一个分布。而题目希望的是知道客户将来还需要多少钱来实现目标。所有不能选蒙特卡洛模拟。这么理解对吗？