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Veronica · 2024年06月14日

没看明白,请老师解答

NO.PZ2021090805000007

问题如下:

Liu consulted with his financial advisor Johnson, who has 20 years left to retire and is most concerned about his ability to manage the risks to both his financial and human capital, so that he can achieve his financial goals of maintaining a comfortable lifestyle. At the same time, he has sufficient assets to purchase a sea view house, pay for children's education abroad, and support charitable donations.

Which of the following risks is least likely to compromise Liu's ability to achieve financial and aspirational goals?

选项:

A.

Health

B.

Earnings

C.

Property

解释:

C is correct. Due to the fact that Property is a financial asset, Property risks are often associated with potential losses of financial capital, while income and health risks may affect both financial capital and human capital. Although the residential value of Liu is enormous, it is only a small part of the overall financial and human capital of the family. Therefore, property risk is least likely to have a negative impact on Liu's ability to maintain a lifestyle, purchase a sea view house, pay for their children's university study abroad expenses, and fund charitable donations.

A is incorrect. Health risks refer to the risks and impacts associated with diseases or injuries. Even with insurance, direct financial costs related to illness or injury may include co insurance, self payments, and deductibles. Health factors often also have an impact on life, disability, and long-term care insurance premiums. Health risks also have an impact on human capital and financial capital. For example, if a worker is disabled, he or she may be unable to work while incurring medical expenses, resulting in a loss of current assets and future income.

B is not correct. Earnings risk is a risk related to an individual's income potential. Considering that there are still 20 years left before retirement, this is a significant risk for him. Income may be affected by death, health issues, unemployment, and underemployment. Income loss reduces human capital by reducing the present value of expected future labor income and financial capital, as assets are needed to compensate for income loss.

C是正确的。由于房地产是一种金融资产,房地产风险通常被认为与金融资本的潜在损失有关,而收入和健康风险可能会影响金融资本和人力资本。尽管liu的住宅价值巨大,但它只是家庭整体财务和人力资本的一小部分。因此,财产风险最不可能对liu维持生活方式、购买海景房、支付子女大学留学费用和资助慈善捐款的能力产生不利影响。

A不正确。健康风险是指与疾病或伤害相关的风险和影响。即使有保险,与疾病或伤害相关的直接财务成本也可能包括共同保险、自付额和免赔额。健康因素通常也会对生命、残疾和长期护理保险费产生影响。健康风险对人力资本和金融资本也有影响。例如,如果一名工人残疾,他或她可能在产生医疗费用的同时无法工作,从而导致流动资产和未来收入的损失。

B不正确。收入风险是与个人收入潜力相关的风险。考虑到离退休还有20年,这对他来说是一个重大风险。收入可能受到死亡、健康问题、失业和就业不足的影响。收入损失通过减少未来预期劳动收入和金融资本的现值来减少人力资本,因为需要资产来弥补收入损失。

尽管liu的住宅价值巨大,但它只是家庭整体财务和人力资本的一小部分?这句话是怎么得出来的?

如果没有收入了,即便有这些property也没事吧?难道不应该选B吗?

因为他已经有足够的资产来应对其他可能的风险,所以收入的波动最不可能影响他实现财务和愿望目标,所以选B?

就像我已经有了买海景房的钱,我还在乎这点收入吗?所以收入的risk不是最小的吗......

1 个答案
已采纳答案

王暄_品职助教 · 2024年06月14日

首先,关于“尽管liu的住宅价值巨大,但它只是家庭整体财务和人力资本的一小部分”这句话,它暗示的是,虽然房地产(Property)是财富的一部分,但并非全部。财务资本通常包括现金、储蓄、投资、房产等多种形式,而人力资本则涉及到未来的收入潜力、职业前景、健康状况等。

其次,考虑到Johnson离退休还有20年,他的收入(Earnings)在这段时间内是持续且重要的。收入风险(B选项)之所以重要,是因为它直接影响到Johnson的现金流和未来的财富积累。即使他拥有价值巨大的房产,但如果收入突然中断(如失业、疾病等),他可能需要动用其他资产(包括房产)来维持生活和实现其他财务目标。

而财产风险(C选项)通常与资产价值的波动有关,比如房价的涨跌。然而,在Johnson的案例中,他已经有足够的资产来购买海景房、支付教育费用和支持慈善捐款,因此房产价值的短期波动不太可能直接影响他实现这些财务和愿望目标的能力。

但是,问题询问的是哪种风险“最不可能”影响他实现财务和愿望目标的能力。从这个角度看,即使房产价值下降,Johnson也已经有足够的资产来应对其他需求。而相比之下,如果收入突然中断,他可能需要动用这些资产来维持生活,这可能会影响到他实现其他长期目标的能力。

所以,虽然房产是财富的重要组成部分,但在评估哪种风险最不可能影响Johnson实现财务和愿望目标时,我们仍需要考虑到收入和现金流的重要性。在这个场景下,财产风险(C选项)相对而言是最不可能影响他实现目标的风险。

综上所述,答案依然是C选项,即财产风险最不可能影响Johnson实现财务和愿望目标的能力。

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2024-02-27 18:01 1 · 回答