开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

宇宙球求 · 2024年04月16日

“both the vested and unvested portions of an employer pension ”

NO.PZ2021090805000005

问题如下:

Johnson attended a wealth lecture where the presenter mentioned an economic balance sheet compared with a traditional balance sheet. Johnson did not recognize the presenter's comments in this regard, and the presenter's comments were as follows:

    • Real estate can be described as a personal asset, an investment asset, and a mixed asset
    • Financial capital consists of tangible and intangible assets, both the vested and unvested portions of an employer pension plan.
    • Individuals with established income records in the middle of their career typically have a higher value of human capital relative to overall economic wealth that individuals in the early stages of their career.
    Which of the presenter's comments ranking economic and traditional balance sheets is most accurate?

    选项:

    A.

    The comment about human capital

    B.

    The comment about financial capital

    C.

    The comment about real estate

    解释:

    C is correct. Personal assets are consumed, while investment assets are held to increase value and provide funding for future consumption. Some assets, such as real estate, can be described as "mixed assets" because they can be used as both personal assets (shelter) and investment assets (providing funds for retirement).

    B is incorrect. Financial capital includes the tangible and intangible assets (outside of human capital) owned by an individual or household. Financial capital would include the vested portion but not the unvested portion of an employer pension plan.

    A is incorrect. The economic wealth of an individual will undergo changes throughout their lifetime, and the underlying assets that make up these assets will also undergo changes. The total economic wealth of young people is usually dominated by their human capital value, as they do not have much time to save and accumulate financial wealth. As individuals age, they may save some of their income and accumulate financial capital.

    C是正确的。个人资产被消费,而投资资产被持有是为了增加价值和为未来消费提供资金。一些资产,如房地产,可以被描述为“混合资产”,因为它们既可以作为个人资产(住房),也可以作为投资资产(为退休提供资金)。

    B不正确。金融资本包括个人或家庭拥有的有形和无形资产(人力资本以外)。金融资本将包括雇主养老金计划的既得部分,但不包括未得部分。

    A不正确。个人的经济财富在其一生中都会发生变化,构成这些财富的基础资产(underlying assets)也会发生变化。年轻人的总经济财富通常由其人力资本价值主导,因为年轻人没有那么多时间储蓄和积累金融财富。随着个人年龄的增长,他们可能会把部分收入存起来,并积累金融资本。

    这句话怎么理解?

    1 个答案
    已采纳答案

    王暄_品职助教 · 2024年04月16日

    “both the vested and unvested portions of an employer pension”意味着在考虑员工的养老金时,需要同时考虑到这两部分:员工已经获得的(既得权益)和尚未获得的(未既得权益)养老金。在评估员工的整体财务状况时,这两部分都是重要的考虑因素。

    在题目中,B选项的错误在于它将“financial capital”定义为包括了雇主养老金计划的既得和未既得部分,但实际上,未既得部分的养老金并不能算作员工的“financial capital”,因为它还不是员工完全所有的资产。

    • 1

      回答
    • 0

      关注
    • 243

      浏览
    相关问题

    NO.PZ2021090805000005 问题如下 Johnson attena wealth lecture where the presenter mentioneeconomic balansheet comparewith a trationbalansheet. Johnson not recognize the presenter's comments in this regar anthe presenter's comments were follows:Reestate cscribea personasset, investment asset, ana mixeassetFinancicapitconsists of tangible anintangible assets, both the vesteanunvesteportions of employer pension plan.Invials with establisheincome recor in the mile of their career typically have a higher value of humcapitrelative to overall economic wealth thinvials in the early stages of their career.Whiof the presenter's comments ranking economic antrationbalansheets is most accurate? A.The comment about humcapit B.The comment about financicapit C.The comment about reestate C is correct. Personassets are consume while investment assets are helto increase value anprovi funng for future consumption. Some assets, sureestate, cscribe\"mixeassets\" because they cuseboth personassets (shelter) aninvestment assets (proving fun for retirement).B is incorrect. Financicapitinclus the tangible anintangible assets (outsi of humcapital) owneinvior househol Financicapitwoulinclu the vesteportion but not the unvesteportion of employer pension plan.A is incorrect. The economic wealth of inviwill unrgo changes throughout their lifetime, anthe unrlying assets thmake up these assets will also unrgo changes. The toteconomic wealth of young people is usually minatetheir humcapitvalue, they not have mutime to save anaccumulate financiwealth. invials age, they msave some of their income anaccumulate financicapital. C是正确的。个人资产被消费,而投资资产被持有是为了增加价值和为未来消费提供资金。一些资产,如房地产,可以被描述为“混合资产”,因为它们既可以作为个人资产(住房),也可以作为投资资产(为退休提供资金)。B不正确。金融资本包括个人或家庭拥有的有形和无形资产(人力资本以外)。金融资本将包括雇主养老金计划的既得部分,但不包括未得部分。A不正确。个人的经济财富在其一生中都会发生变化,构成这些财富的基础资产(unrlying assets)也会发生变化。年轻人的总经济财富通常由其人力资本价值主导,因为年轻人没有那么多时间储蓄和积累金融财富。随着个人年龄的增长,他们可能会把部分收入存起来,并积累金融资本。 老师上课讲的图里没有写investment asset,请问这个怎么判断?

    2024-11-01 10:45 1 · 回答

    NO.PZ2021090805000005问题如下 Johnson attena wealth lecture where the presenter mentioneeconomic balansheet comparewith a trationbalansheet. Johnson not recognize the presenter's comments in this regar anthe presenter's comments were follows:Reestate cscribea personasset, investment asset, ana mixeassetFinancicapitconsists of tangible anintangible assets, both the vesteanunvesteportions of employer pension plan.Invials with establisheincome recor in the mile of their career typically have a higher value of humcapitrelative to overall economic wealth thinvials in the early stages of their career.Whiof the presenter's comments ranking economic antrationbalansheets is most accurate? A.The comment about humcapitalB.The comment about financicapitalC.The comment about reestate C is correct. Personassets are consume while investment assets are helto increase value anprovi funng for future consumption. Some assets, sureestate, cscribe\"mixeassets\" because they cuseboth personassets (shelter) aninvestment assets (proving fun for retirement).B is incorrect. Financicapitinclus the tangible anintangible assets (outsi of humcapital) owneinvior househol Financicapitwoulinclu the vesteportion but not the unvesteportion of employer pension plan.A is incorrect. The economic wealth of inviwill unrgo changes throughout their lifetime, anthe unrlying assets thmake up these assets will also unrgo changes. The toteconomic wealth of young people is usually minatetheir humcapitvalue, they not have mutime to save anaccumulate financiwealth. invials age, they msave some of their income anaccumulate financicapital. C是正确的。个人资产被消费,而投资资产被持有是为了增加价值和为未来消费提供资金。一些资产,如房地产,可以被描述为“混合资产”,因为它们既可以作为个人资产(住房),也可以作为投资资产(为退休提供资金)。B不正确。金融资本包括个人或家庭拥有的有形和无形资产(人力资本以外)。金融资本将包括雇主养老金计划的既得部分,但不包括未得部分。A不正确。个人的经济财富在其一生中都会发生变化,构成这些财富的基础资产(unrlying assets)也会发生变化。年轻人的总经济财富通常由其人力资本价值主导,因为年轻人没有那么多时间储蓄和积累金融财富。随着个人年龄的增长,他们可能会把部分收入存起来,并积累金融资本。 为什么C正确?职业中期的humcapital占比为什么比职业初期要高?谢谢

    2024-10-24 11:43 1 · 回答