NO.PZ2021090805000024
问题如下：
John said there are several benefits to using Monte Carlo simulations in retirement plans. He listed the following benefits:
It aids in quantifying the magnitude of investment shortfalls.
It helps reduce longevity risk.
It can helps to explore the tax consequences of her stock bequest goal.
According to the benefits list generated by John's Monte Carlo simulation in his retirement plan, the most accurate one is:
选项：
A.Item 1
Item 2
Item 3.
解释：
C is correct. Monte Carlo simulation can accommodate the tax consequences of bequeathing shares to her children on her estate at uncertain times and prices in the future.
A is incorrect. Monte Carlo simulation can help determine the probability of success but cannot measure the magnitude of investment shortfalls.
B is not correct. Life insurance can reduce Longevity risk, but Monte Carlo analysis is ineffective.
C是正确的。蒙特卡洛模拟可以考虑在未来不确定的时间和价格下，将微软股份遗赠给她的孩子对她的遗产产生的税收后果。
A不正确。蒙特卡洛模拟可以帮助确定成功的概率，但不能衡量投资短缺的程度。
B不正确。人寿保险可以降低长寿风险，但蒙特卡罗分析无济于事。
寿险不是转移风险吗？怎么能直接降低longevity risk了？
