NO.PZ2024101802000045
问题如下：
Describe the limitations of human capital calculations.
选项：
解释：
Although the human capital calculation provides a framework for quantifying wealth, it still has some disadvantages:
1.The reality is more complicated than models.
2.Estimating income levels and growth rates, nominal risk-free rates, specific risk adjustments, and mortality can be challenging.
3.Particularly in the early stages of the life cycle, the potential loss of human capital is a significant risk factor.
The realtiy is more complicated than models. You can't estimate the income level and growth rate, discount rate,the mortality accurately.
