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嘉懿 · 2023年10月22日

Trustee, executives, manager到底有啥区别

  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。

各个答案越看越糊涂。一会说Trustee是受托人，一会又说是管理人，跟manager一样收管理费。一说职责，全都是对养老金进行管理，那他们各自都是咋管理的呢？项目层层分包吗？

另外老师课上说DC和DB有区别，说DC是个人决策，我实在不理解，我交了这么多年养老保险，作为所谓最终受益人，也没机会决策我的养老金投到啥项目上啊？DC和DB到底啥区别，能不能从生活层面的通俗说法进行一下解释，不要用概念来解释概念。谢谢老师！


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1 个答案

王岑 · 2023年10月23日

嗨，努力学习的PZer你好：


DB plan就是你所理解的，目前国内的养老金体系。

但在欧美国家，还有一种体系是DC plan，简单的理解，就是公司出一部分钱存入政府养老金体系，但是自己也要储蓄一部分钱进入个人养老金账户，比如说美国的401k，退休后是从两个账户拿养老金。DC plan的投资是由自己决定的，可以自己选择投资产品，但是有特定的限制，比如说不准现在就取出等。

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努力的时光都是限量版，加油！

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