开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)｜3.2.5(安卓)APP下载

返回

一只可爱的猪 · 2021年09月20日

想问一下这道题

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000302

问题如下：

Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:

选项：

A.

A$0.

B.

A$331,267.

C.

A$2,078,101.

解释：

B is correct.

The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.

Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.

这道题目，为什么直接用（1+dis）/（1+rate）-1？2.42%是怎么来的？什么意思来的

这道题有点无从下手

添加评论
1 个答案

王暄_品职助教 · 2021年09月22日

因为Case中提到了，living expensegrowat3.5% annually，所以PMT是每年增长了。我们为了固定PMT，所以保持PMT=500,000，也就是意味着这个PMT是real term，那么分子分母要保持相同，都是real term，所以把discount rate也调成real term，即6%-3.5%=2.5%(你也可以用答案里的方法用1.06/1.035=2.42%，两种算法都会判你对的)


  • 1

    回答

  • 0

    关注

  • 1426

    浏览
相关问题

NO.PZ201704060100000302问题如下Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to:A.A$0.B.A$331,267.C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 计算妻子的工资现值时为什么使用先付年金

2024-01-19 21:13 1 · 回答

NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问本题哪里看出要用nee analysis metho不是用humlife value metho

2023-12-11 22:03 1 · 回答

NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 1、family expense是95000，且每年下降3000，那么每年的PMT要减3000，一共要减去多少年2、为什么在本次计算中，不考虑family expense

2023-12-10 16:04 4 · 回答

NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问这两个两件为什么没有考虑进来？The family’s living expenses are currently A$95,000 per year，Family living expenses will cline $30,000 per year。

2023-09-01 22:13 1 · 回答

NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 如题。

2023-06-26 21:12 1 · 回答