NO.PZ2018110601000006
问题如下:
The Red family has the investable assets of $1.2 million. Tom, the portfolio manager of the Red family, follows a goals-based approach to asset allocation and offers three possible portfolios to consider.
The Red express a very strong desire to fund their children’s college education expenses, which have an estimated present value of $250,000. Given that the children will be starting college soon, which portfolio is most appropriate?
选项:
A.Portfolio 1
B.Portfolio 2
C.Portfolio 3
解释:
A is correct.
考点:goal-based approach
解析:教育支出的现值为$250,000,支付的时间就在近期,而Red一家对于实现这笔目标的意愿很强(very strong desire),所以portfolio需要有很强的流动性和稳定性,Portfolio 1中cash占比最高,所以选A。
这道题确实看不出来是25mil该怎么投资,反而会觉着是120mil的多少cash可以cover这25mil理解更合适,怎么看出来是针对25mil的投资啊