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Helen Tam · 2024年04月27日

可以解答一下選項D

  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。

不太理解為什麼是D? 受託人不是有管理責任嗎？

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Carol文_品职助教 · 2024年04月28日

嗨，从没放弃的小努力你好：


选项 D 的说法不准确，因为退休基金的受托人并不是最终的受益人。退休基金受托人的角色是为了基金的成员，即雇员们服务，雇员是最终受益人。受托人有责任管理基金资产，确保为成员提供长期的、稳定的退休收益。因此，受托人在考虑ESG投资时，需要考虑的是如何符合成员的最佳利益，包括那些可能影响基金长期回报的非财务因素。

在ESG投资决策过程中，受托人应当：

  • 考虑所有可能影响投资回报的因素，这就是选项 B 所说的，受托人有责任考虑那些对基金长期回报有财务影响的因素。
  • 管理与气候变化相关的风险，因为这些风险可能对基金的长期表现产生负面影响，正如选项 C 所述。
  • 考虑成员的利益，包括非财务利益，如果基金成员表达了他们对社会和环境影响的关心，这也应当被受托人考虑在内，这是选项 A 的意思。

因此，D 选项表达的观点是最不可能的理由，因为它错误地指出受托人是最终受益人。实际上，受托人有义务代表并为成员服务，而不是为自己服务。所以，如果一个退休基金的受托人在考虑ESG投资时是出于自己的利益，而不是成员的利益，这与他们的管理责任不符，因此D选项是不正确的。

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