问题如下图：
选项：
A. 
B. 
C. 
解释：
这里应该是vested pensions吧 unvested不是归类于负债吗？
谢谢
王暄_品职助教 · 2021年02月22日
嗨，爱思考的PZer你好：
老师，vested pension cost没在net worth里。net worth是traditional BS，而human capital（unvested pension cost）和penison cost（vested）在economic版。基础课ppt292和290，您可以看下对比，谢谢
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谢谢同学的提醒
这里包包老师确实没说对，我猜测他是type了，他想说net wealth。
Vested pension是financial capital，unvested pension算human capital，均属于Economic balance sheet 中的asset部分。
----------------------------------------------加油吧，让我们一起遇见更好的自己！
包包_品职助教 · 2020年02月04日
嗨，努力学习的PZer你好：
不是的，这两个归类的区别是：vested pensions是归类于financial capital，unvested pensions是归属于human capital
vested pensions是包括在net worth 里面的
-------------------------------努力的时光都是限量版，加油！
mino酱是个小破货 · 2021年02月21日
老师，vested pension cost没在net worth里。net worth是traditional BS，而human capital（unvested pension cost）和penison cost（vested）在economic版。基础课ppt292和290，您可以看下对比，谢谢
NO.PZ2018091705000079 问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) 这道题的答案我能不能这么理解trationbalansheets的A-L算出的结果是net worth？economic/extenholistic balansheets的A-L算出的结果是net wealth？那为什么我在asset allocation里面学的economic/extenholistic balansheets的A-L算出的结果是net worth呢？net worth和net wealth到底都是什么意思？对应谁？请老师分别直接一下，谢谢老师！
NO.PZ2018091705000079问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) 为什么要减去bequest？
NO.PZ2018091705000079问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) vesteunveste文是什么意思？
NO.PZ2018091705000079 Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) veste是默认在net worth里吗？但veste只是说确认的养老金不是到手的钱吧？这里怎么理解？