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格蕾絲 · 2020年09月14日

问一道题：NO.PZ2018091705000089 [ CFA III ]

  1. CFA III
  2. 个人IPS

问题如下：

Marion asks his investment manager for advice regarding his retired aunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history and healthy lifestyle. She needs a stable income stream to cover her current and future expenses. Marion is concerned about she will outlive her assets. Based on Marion’s concerns, which type of investment should investment manager recommend for her?

选项：

A.

The whole Life insurance

B.

Immediate fixed annuity

C.

Universal life insurance

解释：

B is correct.

考点: Annuity

解析：Lily已经70岁了，她担心长寿风险;并且需要一个可以稳定覆盖目前和未来支出的收入来源。Immediate fixed annuity，相当于今天用一笔钱换取只要她还活着就有的收入的承诺。因此， Immediate fixed annuity是最合适的选择。

CFA说的寿险是不是死了拿一大笔钱，平时每年没有固定的payment的？

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已采纳答案

王暄_品职助教 · 2020年09月15日

嗨，努力学习的PZer你好：


默认是的，除非题目特殊说明。

 


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NO.PZ2018091705000089问题如下 Marion asks his investment manager for airegarng his retireaunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history anhealthy lifestyle. She nee a stable income streto cover her current anfuture expenses. Marion is concerneabout she will outlive her assets. Baseon Marion’s concerns, whitype of investment should investment manager recommenfor her? The whole Life insurance Immeate fixeannuity Universlife insuran B is correct. 考点: Annuity 解析：Lily已经70岁了，她担心长寿风险;并且需要一个可以稳定覆盖目前和未来支出的收入来源。Immeate fixeannuity，相当于今天用一笔钱换取只要她还活着就有的收入的承诺。因此&#xFF0Immeate fixeannuity是最合适的选择。 为啥不选a和c呢。。。

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