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cherry · 2021年12月03日

这里面的350包含175的房贷，那么是不是应该175作为资产（除去房贷的资产）、175作为负债（贷款）

  1. CFA III
  2. Asset Allocation

NO.PZ2018110601000001

问题如下：

The White has an investment portfolio consisting of $500,000 in equities and $330,000 in fixed income products. The White also own a residence valued at $350,000, which includes $175,000 in mortgage debt. It is estimated that the pre-retirement earnings in this family have a total present value of $980,000, and the future expected consumption have a total present value of $870,000.

The White plans to fund their children’s college tuition fee of $150,000 at present value. They also express the desire to fund a family foundation in 25 years, which has an estimated present value of $600,000.

Use the information above to prepare an economic balance sheet for the White. The economic net worth is:

选项：

A.

$365,000

B.

$1,005,000

C.

$2,280,000

解释：

A is correct.

考点：economic balance sheet

解析：economic balance sheet不仅包含了传统的资产和负债，还包含了extended assets & liabilities，例如养老金、未来消费的现值。

Total economic assets=equity + fixed income + residence + PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000

Total economic liabilities = mortgage debt + PV (consumption)+ PV (tuition fee)+ PV (foundation)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000

所以economic net worth= Total economic assets- Total economic liabilities=$2,160,000-$1,795,000= $365,000

这里面的350包含175的房贷，那么是不是应该175作为资产（除去房贷的资产）、175作为负债（贷款）

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郭静_品职助教 · 2021年12月04日

嗨，努力学习的PZer你好：


第一：如果按照你这种计算方法，350000除去房贷175000的部分，叫做净资产，不是资产。举个例子，我有房产100万，其中自有资金50万，跟银行贷款了50万。我对别人介绍会说，我有100万资产，50万负债，50万净资产。

第二，计算过程中，建议是将资产和未来收入的现值作为一组数据加总，负债和未来支出的现值作为一组数据加总，再用总资产减去总负债，不要个别项目去求资产负债的差额，容易搞混。

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努力的时光都是限量版，加油！

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NO.PZ2018110601000001 问题如下 The White hinvestment portfolio consisting of $500,000 in equities an$330,000 in fixeincome procts. The White also own a resinvalue$350,000, which inclus $175,000 in mortgage bt. It is estimateththe pre-retirement earnings in this family have a totpresent value of $980,000, anthe future expecteconsumption have a totpresent value of $870,000. The White plans to funtheir chilen’s college tuition fee of $150,000 present value. They also express the sire to funa family fountion in 25 years, whihestimatepresent value of $600,000. Use the information above to prepare economic balansheet for the White. The economic net worth is: $365,000 $1,005,000 $2,280,000 A is correct. 考点：economic balansheet 解析：economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Total economic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Total economic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 They also express the sire to funa family fountion in 25 years, 这里的family fountion怎么理解，是负债嘛

2024-07-30 16:43 1 · 回答

NO.PZ2018110601000001 问题如下 The White hinvestment portfolio consisting of $500,000 in equities an$330,000 in fixeincome procts. The White also own a resinvalue$350,000, which inclus $175,000 in mortgage bt. It is estimateththe pre-retirement earnings in this family have a totpresent value of $980,000, anthe future expecteconsumption have a totpresent value of $870,000. The White plans to funtheir chilen’s college tuition fee of $150,000 present value. They also express the sire to funa family fountion in 25 years, whihestimatepresent value of $600,000. Use the information above to prepare economic balansheet for the White. The economic net worth is: $365,000 $1,005,000 $2,280,000 A is correct. 考点：economic balansheet 解析：economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Total economic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Total economic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 为什么说构建家庭基金是负债端呢？

2022-08-05 11:50 1 · 回答

$1,005,000 $2,280,000 A is correct. 考点economic balansheet 解析economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Toteconomic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Toteconomic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 net worth和net wealth有什么区别。。。

2020-07-01 21:31 1 · 回答

$1,005,000 $2,280,000 A is correct. 考点economic balansheet 解析economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Toteconomic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Toteconomic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 请问net worth 不是只计算trationasset和liability的值吗？

2020-07-01 21:25 1 · 回答