押题（不含必背知识点）page130，3.2题

老师，题干更新后，还有两个数值和答案比，有小疑问。日常开销和买度假房，应该都是答案的数吧？

是答案的数！

谢谢老师～你们出一套押题秘籍已经有很大帮助啦，时间紧难免有错漏，可以理解哈～

谢谢理解！！确实是连夜制作，希望对你们有帮助！

考试的时候会考这种类似要直接写作的题目类型？

会的，有可能让同学根据题干背景，写出客户的Objectives。熟悉我们的框架图，知道IPS中每个section里应该有哪些内容。

具体数字的计算是咋来的？

谢谢同学提醒，

整个题干背景放错了，更新后背景如下：（已经做了勘误，同学也可扫勘误码查看更新）

Sharfepto Zik, a private wealth manager, is meeting with a client, Garbanzo Patel, in order to create an investment policy statement (IPS) for Patel's upcoming retirement.

Patel estimates that he will require E200,000 per year, with annual increases for inflation, during retirement. Patel's primary spending goals during retirement are to provide for his family's needs and maintain his retirement lifestyle. His secondary goals are to fund his philanthropic activities and leave a significant inheritance to his children During his retirement, Patel will receive union pension payments of 650,000 per year with annual increases for inflation. In his spare time, Patel runs a small business that provides him with an annual income of e120,000 and is valued at el million. He will continue running his business during retirement.

Patel holds a portfolio of securities valued at approximately e4 million. The portfolio primarily contains dividend-paying stocks and interest-bearing bonds. Patel has reinvested all these distributions back into his portfolio but anticipates that after retirement he may need to use some of the distributions to fund his expenses.

Patel plans to buy a vacation home in three years. His budget for the vacation home is approximately €1.4 million. Patel has not decided yet how he will fund this purchase.

这种题要是真考，是不是可以最后再做（战略放弃）

完全可以，如果你觉得写这种题目费时，先放弃，写后面的，有时间回头再写。务必注意考试timing的重要性。

再次为错误题干抱歉，

祝考试成功！