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tqcsummer · 2020年10月01日

问一道题:NO.PZ201511200300002802

* 问题详情,请 查看题干

问题如下:

Discuss the issues relating to Cree’s:

i. goal quantification.

ii. goal prioritization. McZhao continues the discussion with Cree in order to evaluate his degree of risk tolerance associated with each of the following individual goals:


Retirement: Cree considers retirement a long- term goal and is willing to endure a 10% drop in expected retirement spending. However, he is very concerned with having sufficient funds to cover medical expenses.

Investment property: Cree sees the investment property as a source of stable income, so it is very important to him to purchase the building. He realizes that maintenance and repair expenses will be necessary, and he also considers those very important.

Philanthropy: Cree’s wife strongly influences him to fund her philanthropic causes, and he wants to maintain some level of annual contribution. Cree believes that his wife would be willing to maintain her $10,000 per year contributions and not increase that amount.

Antique furniture: Cree is willing to reduce or eliminate his spending on antique furniture.

选项:

解释:

With respect to goal quantification, Cree has quantified his retirement spending needs, the cost to maintain his antique purchases, and his wife’s philanthropic support. McZhao should work with Cree to help estimate the costs for his children’s university expenses and what he expects to pay for the investment property.

With respect to goal prioritization, even though Cree believes that his highest priority is his next big expense ($15,000 for this year’s additions to his antique collection), the timing of that expense should not be the sole determinant of its priority. McZhao needs to discuss with Cree which of his goals are most important. The purchases of expensive antiques and the large philanthropic contributions may adversely affect Cree’s ability to fund his retirement lifestyle. Therefore, McZhao should help Cree consider reevaluating his priorities.

这道题视频中说退休金额要计算出总数才算量化,单给一个每年的不算量化,但答案面说已经是量化的了,以哪个为准啊?

1 个答案

王暄_品职助教 · 2020年10月03日

嗨,从没放弃的小努力你好:


这题这俩都可以

  1. 说量化了:题目中确实给出了80,0000的数据,也算是个量化(但我个人感觉根本不够,但毕竟答案这么写了,说明也可以)
  2. 没量化:原因正如李老师视频里所说,每年8万根本不够,我们要知道活多少年也是很关键的。这么写更加保险,绝对不会错。

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努力的时光都是限量版,加油!