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🌻🎀LINDA🎀🌻 · 2023年11月24日

Annuity pricing

When Raphael asks about the retirement income goal and how the amount was determined, the Benettons respond that they hope to be able to maintain their current standard of living in retirement and stress the importance of having confidence that they will achieve their income goal for the rest of their lives.


Based on the Benetton’s response concerning their retirement income goal, which of the following is the best method to analyze this goal?

A. Annuity pricing

B. Mortality tables

C. Monte Carlo simulation



这题为什么不是C? 另外Annuity pricing究竟是什么



2 个答案

王暄_品职助教 · 2023年11月25日

是这题我猜想着是蒙特卡洛可以预算未来的expense啊,题目的confidence 和stress两个词有点迷惑 另外annuity pricing到底是什么呢?

蒙特卡洛是预测未来的expense,但是他们现在只是在退休后,维持当前的生活水平即可呀,所以不用预测,保持现状即可,那么就可以直接去买年金呀~

annuity pricing就是指,要判断买这个年金的价格,预备好足够的钱去买这个年金

王暄_品职助教 · 2023年11月24日

因为根据文中所说:Benettons respond that they hope to be able to maintain their current standard of living in retirement and stress the importance of having confidence that they will achieve their income goal for the rest of their lives(他们希望能够在退休后保持目前的生活水平,并且有信息在接下来的是家里满足他们的收入目标。

因此他们根本无需利用蒙特卡洛来模拟,直接考虑年金即可,拿钱去买年金,年金每年就会分红,满足他们的生活水平


Annuity pricing指的就是这里的annuity

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