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dzhao034 · 2019年05月28日

annuity

为什么这句话是对的呀?

If Janice were to add a 10-year period certain option to her annuity, her income yield would be reduced when compared with not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity.

这里是答案的解释 

C is incorrect because Statement 3 is correct. The addition of a 10-year period-certain option to an annuity ensures that the carrier will make payments for at least 10 years. The probability of a 50-year-old person dying within 10 years is much lower than for an older individual, e.g., it is much more likely for an 80-year-old person to die within 10 years than a 50-year-old person to do so. It is more likely that the period-certain option would be invoked for the older person, meaning a much bigger decline in income yield compared to not having the period-certain option.

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Shimin_CPA税法主讲、CFA教研 · 2019年05月28日

提到了一种年金的附加条款:10-year period certain。普通的年金按期支付直到人的生命结束。拥有10-year period certain的年金至少支付10年的年金,这项权利对于买了年金但不幸在10年之内去世的投资者是有利的。对投资者有利就是对保险公司不利,那保险公司就会把支付出去的金额压低,每年获得的年金收入PMT低,因此income yield低。前半句话正确。

后半句说:如果Janice等的时间越久,拥有附加条款的年金income yield会进一步降低。Janice等的时间越久,也就是年龄越大,那么她活过10年的概率越低,附加条款就越有利。打个比方,一个人80岁,购买的是普通年金,没有附加条款,一旦明年发生意外去世了,那么他总共只获得了一年的年金收入;但如果他购买有10-year period certain的年金,这个条款可以保证投资者至少获得10年的年金收入;年龄越大,在10年内去世的概率越大,因此附加条款生效的可能性越大,那么有这项条款就越有利。附加条款对投资者越有利,那么投资者要求每年获得的年金收入(PMT)就会进一步降低。所以Statement 3后半句也是正确的。

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