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孙际尧 · 2021年03月21日

financial capital包括什么

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000307

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%

1.为什么保险不算financial capital?

2.如果题中有房产有车子算financial capital吗

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2 个答案

王暄_品职助教 · 2021年10月11日

life insurance 不算financial capital的话，怎么economic net worth 要算进去，这个归为什么呢？

保险最终的理赔额不算入financial capital，因为那是人死了之后才会拿到的钱，我们现在算financial capital肯定不可能加入死亡后能拿到钱


Economic net worth通常不算life insurance的理赔额的，同学是在哪里看到说economic net worth加入了life insurance的理赔额，可以截图，我来看看是不是题目里有什么特殊条件。

弓 · 2021年10月28日

个人觉得这个题挖坑了，表1的所有信息是基于前面题目中needs analysis method下给的假设“她老公死了”，在那个题目里，保单的理赔额当然可以算作financial capital。走到这个题目的时候，它又不说清楚这个假设取消了，仿佛老公又活过来了一样。

王暄_品职助教 · 2021年03月21日

嗨，努力学习的PZer你好：


1.为什么保险不算financial capital?

因为保险是死了以后才能拿到的钱，咱们现在不能配置进去的。

道理很简单，比如小明去相亲，被问到身价资产的时候，他只会报出自己现在所有资产；他总不能说：我买了寿险，我死了后还有100万。



2.如果题中有房产有车子算financial capital吗

算的，financial capital就是一些具有流动性的资产

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就算太阳没有迎着我们而来，我们正在朝着它而去，加油！

jianghaiyang · 2021年10月11日

life insurance 不算financial capital的话，怎么economic net worth 要算进去，这个归为什么呢？

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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

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2022-04-23 15:23 1 · 回答

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2022-04-19 09:57 1 · 回答

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2021-08-05 23:55 1 · 回答