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Lulu1214 · 2021年05月19日

为什么选B？？

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000305

问题如下：

Based on Brown’s goals and concerns, which type of annuity should Smith recommend for her?

选项：

A.

Deferred fixed

B.

Immediate fixed

C.

Immediate variable

解释：

B is correct.

With immediate fixed annuities, Brown will trade a sum of money today for a promised income benefit for as long as she is alive. Brown is already age 75 and is concerned about longevity risk; she wants a known income stream currently and in the future. Therefore, an immediate fixed annuity is the most appropriate choice.

Both spouses want an annuity for their later years (beginning in 40 years) that will ensure the greatest supplemental


这说的不是40年以后才要吗？？？？为什么选immediate？？？

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2 个答案

伯恩_品职助教 · 2021年05月19日

嗨，爱思考的PZer你好：


同学你好，你看下这里的主语，是brown的

对于brown为主语的所有有效信息都在我划线的句子

然后是你看下那个40年后的主语是barksdales

通过以上分析，知道了核心的信息在第二张图，brown现在已经75岁了它想知道当前和以后的现金流。能满足知道当前和以后的现金流的只有immediate fixed的了，A不知道当前，C不知道现金流的具体情况。

PS：同学做题时候要细心，毕竟75岁的40年后已经是115岁了，这基本都打破长寿记录了。哈哈哈哈。

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加油吧，让我们一起遇见更好的自己！

孙际尧 · 2021年05月19日

40年后都115岁了

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