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徐威廉 · 2021年05月28日

annuity puzzle

* 问题详情,请 查看题干

NO.PZ201511200300003102

问题如下:

Based on Açor’s notes from her previous meeting with Njau, the behavioral consideration exhibited by Njau is most likely:

选项:

A.

a consumption gap.

B.

the “annuity puzzle.”

C.

heightened loss aversion.

解释:

B is correct. The “annuity puzzle” describes the phenomenon that retirees tend to avoid annuity investments, which may be appropriate to best help them reach their financial goals. An annuity provides a series of fixed payments, either for life or for a specified period, in exchange for a lump sum payment. Njau’s reluctance to lose control over her assets by paying the lump sum in exchange for the fixed payments is one explanation for her reluctance, and she may also believe that an annuity would minimize the chance of a substantial improvement in her lifestyle.

题干明明说了他愿意付lump sum换回 fixed return啊!
1 个答案
已采纳答案

伯恩_品职助教 · 2021年05月28日

嗨,从没放弃的小努力你好:


同学你好,这里她已经明确说了不想丧失对资产的控制,交给年金不就失去对资产的控制了嘛,其它也是,老师给你把原版书的截图下面你可以作对比

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

徐威廉 · 2021年05月29日

但是这句话明显自相矛盾啊,即愿意付出lump sum换回fixed payment,又不愿意失去对asset的control,如果死记硬背,能不能理解为只要出现不愿放弃asset control就是“annuity puzzle”的表现

小胖 · 2021年07月27日

想问下老师,什么类型的产品是可以付出lump sum,但是又不需要失去对资产的把控呢?