开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

awen · 2020年02月25日

问一道题:NO.PZ201704060100000307

* 问题详情,请 查看题干

问题如下:

Based on Exhibit 1, and meeting the Barksdales’ target equity allocation for total economic wealth, the financial capital equity allocation should be closest to:

选项:

A.

35.0%.

B.

54.5%.

C.

56.1%.

解释:

C is correct.

The equity allocation of the Barksdale’s financial capital is calculated as follows:

Total economic wealth = Human capital + Financial capital = $2,900,000 +$900,000 = $3,800,000.

Target equity allocation of total economic wealth = $3,800,000 × 40% =$1,520,000

Human capital equity allocation = $2,900,000 × 35% = $1,015,000 Financial capital equity allocation = $1,520,000 – $1,015,000 = $505,000

%Financial capital equity allocation = Financial equity allocation/Total financial capital= $505,000/$900,000 = 0.5611, or 56.1%

题目中的financial capital=900,000为什么不包含life insurance?我看有助教解答是因为Adrian还没去世,所以不算进去。


书上原文Non-publicly traded marketable assets include real estate, some types of annuities, cash-value life insurance, business assets, and collectibles.也就是financial capital中是包含寿险的。但这里计算并没包含,所以资产负债表中计入的寿险指的是已经承保vested(即被保人已经死亡,真实拿到的保险),是吗?如果未承保,就不能计入?


那么同理annuities,原文是The estimated balance sheet value of an annuity is comparable to that of a defined benefit pension with a discount for potential insolvency risk, which is difficult to eliminate through diversification or a market hedge. 年金作为financial capital资产负债表中怎么体现?那一部分计入呢?





1 个答案
已采纳答案

carolllll · 2020年02月26日

嗨,努力学习的PZer你好:


同学你好,

题干说这100,000是death benefit,也就是说去世了之后才会有的钱,我们在计算financial capital的时候要用我们已经有的asset计算才行,所以这个不应该被包含进去。

“所以资产负债表中计入的寿险指的是已经承保vested(即被保人已经死亡,真实拿到的保险),是吗?如果未承保,就不能计入?”

是的,其中一种体现方式是寿险的cash value,即是我们现在要opt out可以拿到的钱。

“年金作为financial capital资产负债表中怎么体现?那一部分计入呢?”

题目可能会给一个present value of annuities。

 

希望对你有帮助~

 


-------------------------------
加油吧,让我们一起遇见更好的自己!


  • 1

    回答
  • 2

    关注
  • 546

    浏览
相关问题

NO.PZ201704060100000307 问题如下 Baseon Exhibit 1, anmeeting the Barksles’ target equity allocation for toteconomic wealth, the financicapitequity allocation shoulclosest to: A.35.0%. 54.5%. 56.1%. C is correct. The equity allocation of the Barksle’s financicapitis calculatefollows: Toteconomic wealth = Humcapit+ Financicapit= $2,900,000 +$900,000 = $3,800,000. Target equity allocation of toteconomic wealth = $3,800,000 × 40% =$1,520,000 Humcapitequity allocation = $2,900,000 × 35% = $1,015,000 Financicapitequity allocation = $1,520,000 – $1,015,000 = $505,000 %Financicapitequity allocation = Financiequity allocation/Totfinancicapital= $505,000/$900,000 = 0.5611, or 56.1% 虽然没有提是什么样的life insuarnce, 但是如果是whole life insuance不应该算上去的嘛,因为肯定死了陪这么多

2023-08-22 00:49 1 · 回答

NO.PZ201704060100000307问题如下 Baseon Exhibit 1, anmeeting the Barksles’ target equity allocation for toteconomic wealth, the financicapitequity allocation shoulclosest to: A.35.0%. 54.5%. 56.1%. C is correct. The equity allocation of the Barksle’s financicapitis calculatefollows: Toteconomic wealth = Humcapit+ Financicapit= $2,900,000 +$900,000 = $3,800,000. Target equity allocation of toteconomic wealth = $3,800,000 × 40% =$1,520,000 Humcapitequity allocation = $2,900,000 × 35% = $1,015,000 Financicapitequity allocation = $1,520,000 – $1,015,000 = $505,000 %Financicapitequity allocation = Financiequity allocation/Totfinancicapital= $505,000/$900,000 = 0.5611, or 56.1% ​这个题干里头没有找到FC是90000啊

2022-05-07 13:27 1 · 回答

NO.PZ201704060100000307问题如下 Baseon Exhibit 1, anmeeting the Barksles’ target equity allocation for toteconomic wealth, the financicapitequity allocation shoulclosest to: A.35.0%. 54.5%. 56.1%. C is correct. The equity allocation of the Barksle’s financicapitis calculatefollows: Toteconomic wealth = Humcapit+ Financicapit= $2,900,000 +$900,000 = $3,800,000. Target equity allocation of toteconomic wealth = $3,800,000 × 40% =$1,520,000 Humcapitequity allocation = $2,900,000 × 35% = $1,015,000 Financicapitequity allocation = $1,520,000 – $1,015,000 = $505,000 %Financicapitequity allocation = Financiequity allocation/Totfinancicapital= $505,000/$900,000 = 0.5611, or 56.1% 请问是否保险理赔后的金额都不算financicapital?

2022-04-23 15:23 1 · 回答

NO.PZ201704060100000307问题如下 Baseon Exhibit 1, anmeeting the Barksles’ target equity allocation for toteconomic wealth, the financicapitequity allocation shoulclosest to: A.35.0%. 54.5%. 56.1%. C is correct. The equity allocation of the Barksle’s financicapitis calculatefollows: Toteconomic wealth = Humcapit+ Financicapit= $2,900,000 +$900,000 = $3,800,000. Target equity allocation of toteconomic wealth = $3,800,000 × 40% =$1,520,000 Humcapitequity allocation = $2,900,000 × 35% = $1,015,000 Financicapitequity allocation = $1,520,000 – $1,015,000 = $505,000 %Financicapitequity allocation = Financiequity allocation/Totfinancicapital= $505,000/$900,000 = 0.5611, or 56.1% 表一中最后一行 totcapitavailable 1,000,000怎么理解 ,这一项和FC+HC的总和有什么区别?

2022-04-19 09:57 1 · 回答

NO.PZ201704060100000307 54.5%. 56.1%. C is correct. The equity allocation of the Barksle’s financicapitis calculatefollows: Toteconomic wealth = Humcapit+ Financicapit= $2,900,000 +$900,000 = $3,800,000. Target equity allocation of toteconomic wealth = $3,800,000 × 40% =$1,520,000 Humcapitequity allocation = $2,900,000 × 35% = $1,015,000 Financicapitequity allocation = $1,520,000 – $1,015,000 = $505,000 %Financicapitequity allocation = Financiequity allocation/Totfinancicapital= $505,000/$900,000 = 0.5611, or 56.1% 请问2900000的humcapital怎么来的?然后解答中的40%和35%怎么来的?

2021-08-05 23:55 1 · 回答