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Jwang · 2024年07月21日

如题

NO.PZ2023010410000001

问题如下:

Alksel Serensen, a 37 year-old widower, resides in a country which uses the euro as its monetary unit. His wife, a CFA chartertholder, died recently, leaving him alone to raise their three children.

Serensen earns €50 thousand annually. Because of his short tenure with his employer, his present vested pension benefit is modest.

Serensen and the children are all in excellent health and have comprehensive medical coverage through Serensen's employer. Serensen has no insurance coverage other than his employer-provided health and life insurance.

Without his wife's earnings, Serensen believes that he will struggle financially to meet the household's current expenses, including child care, with little remaining from his salary to save for the children's eduucations and for his own retirement.

Through her employer, his wife was covered by a €400 thousand life insurance policy with Serensen named as the beneficiary. He received the proceeds recently with no taxes due. Because Serensen is not as familiar with finances as his wife was, he is uneasy about managing such a large sum on his own. He has vowed to approach all financial matters cautiously and prudently as he does not wish to put the children's welfare at risk.

The advisor estimates that Serensen's pension, including future service and salary credits, will likely not cover his retirement spending needs and that Serensen will probably experience a shortfall. This projected shortfall could be offset entirely, however, by purchasing an immediate, inflation-indexed annuity at age 60 at a cost of E450 thousand (in today's €).

Determine Serensen's ability and willingness to bear risk. Justify each of your answers with two reasons. Determine whether his ability or his willingness should take precedence in determining his overall risk tolerance.

选项:

解释:

Serensen's ability to bear risk appears below average due to his small asset base and the fact that little of his salary remains for savings/investment after household expenses are met, his salary is not expected to grow in real terms, and he is the sole provider for three young children.

Serensen's willingness to bear risk also appears to be below average because of his unfamiliarity and discomfort with financial matters, his avowed intent to be cautious, and his willingness to seek advice from experienced professionals.

Because both his ability and his willingness to bear risk are in agreement, neither one will take precedence over the other. His overall risk tolerance is below average.

老师好,如果willingness和ability表现不一样时,比如一个below但另一个above average,这种情况下是否有考虑的优先级?如何判断优先级?谢谢。

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王暄_品职助教 · 2024年07月21日

通常默认根据ability的情况去做最终判断,因为ability才是客观因素。

Jwang · 2024年07月21日

好的,谢谢老师

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NO.PZ2023010410000001 问题如下 Alksel Serensen, a 37 year-olwiwer, resis in a country whiuses the euro its monetary unit. His wife, a CFA chartertholr, erecently, leaving him alone to raise their three chilen.Serensen earns €50 thousanannually. Because of his short tenure with his employer, his present vestepension benefit is most.Serensen anthe chilen are all in excellent health anhave comprehensive meccoverage through Serensen's employer. Serensen hno insurancoverage other thhis employer-provihealth anlife insurance.Without his wife's earnings, Serensen believes thhe will struggle financially to meet the househols current expenses, inclung chilcare, with little remaining from his salary to save for the chilen's eucations anfor his own retirement.Through her employer, his wife wcoverea €400 thousanlife insuranpoliwith Serensen namethe beneficiary. He receivethe procee recently with no taxes e. Because Serensen is not familiwith finances his wife was, he is uneasy about managing sua large sum on his own. He hvoweto approaall financimatters cautiously anpruntly he es not wish to put the chilen's welfare risk.The aisor estimates thSerensen's pension, inclung future serviansalary crets, will likely not cover his retirement spenng nee anthSerensen will probably experiena shortfall. This projecteshortfall couloffset entirely, however, purchasing immeate, inflation-inxeannuity age 60 a cost of E450 thousan(in toy's €).termine Serensen's ability anwillingness to berisk. Justify eaof your answers with two reasons. termine whether his ability or his willingness shoultake precenin termining his overall risk tolerance. Serensen's ability to berisk appears below average e to his small asset base anthe fathlittle of his salary remains for savings/investment after householexpenses are met, his salary is not expecteto grow in reterms, anhe is the sole provir for three young chilen.Serensen's willingness to berisk also appears to below average because of his unfamiliarity anscomfort with financimatters, his avoweintent to cautious, anhis willingness to seek aifrom experienceprofessionals.Because both his ability anhis willingness to berisk are in agreement, neither one will take precenover the other. His overall risk toleranis below average. 老师,想问一下最后一问“take precence”理解我回答的是“shoulconsir his ability anwillingness in a priority when termining his over risk tolerance”.但答案是“neither of one will take precenover the other”

2024-07-20 10:51 1 · 回答