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Royl · 2023年09月12日

想问trustee的角色不是manager么？还是owner的代表

  1. ESG
  2. The ESG market

NO.PZ2022071601000015

问题如下：

What is the least likely reason why a pension fund trustee may consider ESG investing?

选项：

A.Pension fund trustees should act in the interest, including non-financial interests, of pension fund members; and the members have voiced their interest in social and environmental impact

B.Pension fund trustees have the fiduciary duty to consider factors that are financially material to the long-term returns of the pension fund

C.Pension fund trustees risk legal action by not managing climate change-related risks

D.Pension fund trustees are the ultimate beneficiaries of pension funds and, as a result, should act in their interest

解释：

A，B，C选项均正确。

D选项说Trustees是最终受益人，这个说法错误，Pension Fund最终受益人是雇员，也就是参加pension fund的members，所以是错误的，那么正确选项就是D选项。

如上问题，请帮助解答！养老金的几个角色


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2 个答案

Tina_品职助教 · 2023年12月27日

嗨，努力学习的PZer你好：


“受益者”（beneficiary）是指将从某项安排或协议中获益的人。在养老金基金的背景下，“受益者”通常指的是那些会从养老金计划中收到收益的个人，即退休人员。

养老金基金的“受托人”（trustees）是被委托管理养老金资产的人或机构，他们必须按照受托责任行事，这意味着他们的行为必须首先考虑到受益者的最佳利益。换句话说，受托人有义务确保养老金资产被妥善投资并为受益者提供收益。

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虽然现在很辛苦，但努力过的感觉真的很好，加油！

Tina_品职助教 · 2023年09月13日

嗨，努力学习的PZer你好：


Pension fund trustees 扮演的角色较为特殊，它们主要是代表养老基金受益者的利益。以下为对Pension fund trustees在这一角色中的职责和位置的详细解释：

  1. 代表资产所有者：Pension fund trustees 代表养老金计划的受益者，即那些为计划缴费并最终从中受益的人。他们是养老金的"受托人"，因此他们的首要职责是保护受益者的利益。
  2. 决策者而非日常管理者：虽然Pension fund trustees对养老基金的战略决策负有责任，但他们通常不负责资金的日常管理。相反，他们可能会雇佣专业的资产管理公司或其他金融专家来处理这些任务。
  3. 监督与责任：Trustees有责任确保养老金的资金管理与养老金的目标和投资策略一致。这包括监督资产管理者的表现，确保他们的投资决策与受益者的长期利益相符。
  4. 治理与合规：Trustees需要确保养老基金遵守所有相关的法律和法规，确保资金的健康和长久。

Pension fund trustees在某种意义上既是策略决策者也是资产所有者的代表。但他们通常不直接涉及资产的日常管理，这通常是由专业的资产管理公司来完成的。

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就算太阳没有迎着我们而来，我们正在朝着它而去，加油！

Seven.🍎 · 2023年12月27日

那按照1的说法，受益者不就是beneficial吗？

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