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HG · 2021年02月22日

n的问题

NO.PZ2018091705000086

问题如下:

Marion and shelly Cornell are 44 years old and 40 years old, respectively. They have two children. Marion is a manager of technical services for a large corporation and shelly works in a local hospital. Salary and expenses occur at the beginning of each of year. The Cornells are saving for their retirement and college funding for both children. Marion bought a whole life insurance policy with a death benefit of $200,000 when children were born. The Cornells currently have 600,000 cash needs for Mortgage and Education fund and total capital available is 950,000(cash plus life insurance benefit). Marion asks his investment advisor Collins to assess the family’s insurance needs in the event Marion of dying this year. To do so, Collins uses the needs analysis method based on the financial data presented below and the following assumptions:

Data Summary for Cornells:

选项:

A.

341,863.

B.

1,291,863

C.

0

解释:

A is correct.

考点:Life Insurance

解析寿险金额短缺是根据家庭总经济需要total financial needs和总可用资金total capital available之间的差额来计算的增长率= 3%折现率= 5.5%。这里可以理解成把nominal rate调成real rate,?0.055就是nominal,3%就是inflation rate,计算出来的2.43%就是real rate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1或者i =(1.055/1.03) - 1 = 2.43%

Total financial needs总额计算如下

老师这道题不是应该按照先付年金的方式来进行计算吗?为啥是n=40和n=20啊,那不是应该一个39,一个19啊??

2 个答案

王暄_品职助教 · 2021年02月24日

嗨,从没放弃的小努力你好:


举个例子吧,比如说是三年,如果是先付的话那么在t=0的时候就拿了一笔salary比如是100,t=1再拿一笔100*(1+g),t=2再拿一笔100*(1+g)^2,这就结束了啊。如果是后付,那么t=0没有CF,t=1拿100,t=2拿100*(1+g)^2,t=3拿100*(1+g)^3,拿多少次不影响,但是CF却不一样啊

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  • 对同学说的没错,N是不影响的,CF却不一样。但本题我们在答案中把折现率调成了Real term,所以也不影响。这就是为何建议同学们调折现率,而不是调CF,这样方便的多。


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努力的时光都是限量版,加油!

王暄_品职助教 · 2021年02月23日

即使是先付年金的方式,也不影响N。

并不会因为先付年金的方式,Shelly就少付1年的living expense或少拿一年的Salary,该多少年还是多少年。

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NO.PZ2018091705000086问题如下Marion anshelly Cornell are 44 years olan40 years ol respectively. They have two chilen. Marion is a manager of technicservices for a large corporation anshelly works in a lochospital. Salary anexpenses occur the beginning of eaof year. The Cornells are saving for their retirement ancollege funng for both chilen. Marion bought a whole life insuranpoliwith a ath benefit of $200,000 when chilen were born. The Cornells currently have 600,000 cash nee for Mortgage anEcation funantotcapitavailable is 950,000(cash plus life insuranbenefit). Marion asks his investment aisor Collins to assess the family’s insurannee in the event Marion of ing this year. To so, Collins uses the nee analysis methobaseon the financita presentebelow anthe following assumptions:ta Summary for Cornells:A.341,863.B.1,291,863C.0A is correct. 考点:Life Insurance解析寿险金额短缺是根据家庭总经济需要totfinancinee和总可用资金totcapitavailable之间的差额来计算的。增长率= 3%,折现率= 5.5%。这里可以理解成把nominrate调成rerate,?0.055就是nominal,3%就是inflation rate,计算出来的2.43%就是rerate, 调整后的折现率i可以计算为:[(1 +折现率)/(1 +增长率)]- 1,或者i =(1.055/1.03) - 1 = 2.43%。Totfinancinee总额计算如下为什么收入是Bgn。 不对吧

2024-07-27 17:54 1 · 回答

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2024-06-07 09:09 1 · 回答

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2024-06-05 15:54 1 · 回答

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2024-01-09 08:01 1 · 回答

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