没看明白，请老师解答

问题如下：

Liu consulted with his financial advisor Johnson, who has 20 years left to retire and is most concerned about his ability to manage the risks to both his financial and human capital, so that he can achieve his financial goals of maintaining a comfortable lifestyle. At the same time, he has sufficient assets to purchase a sea view house, pay for children's education abroad, and support charitable donations.

Which of the following risks is least likely to compromise Liu's ability to achieve financial and aspirational goals?

选项：

A.

Health

B.

Earnings

C.

Property

解释：

C is correct. Due to the fact that Property is a financial asset, Property risks are often associated with potential losses of financial capital, while income and health risks may affect both financial capital and human capital. Although the residential value of Liu is enormous, it is only a small part of the overall financial and human capital of the family. Therefore, property risk is least likely to have a negative impact on Liu's ability to maintain a lifestyle, purchase a sea view house, pay for their children's university study abroad expenses, and fund charitable donations.

A is incorrect. Health risks refer to the risks and impacts associated with diseases or injuries. Even with insurance, direct financial costs related to illness or injury may include co insurance, self payments, and deductibles. Health factors often also have an impact on life, disability, and long-term care insurance premiums. Health risks also have an impact on human capital and financial capital. For example, if a worker is disabled, he or she may be unable to work while incurring medical expenses, resulting in a loss of current assets and future income.

B is not correct. Earnings risk is a risk related to an individual's income potential. Considering that there are still 20 years left before retirement, this is a significant risk for him. Income may be affected by death, health issues, unemployment, and underemployment. Income loss reduces human capital by reducing the present value of expected future labor income and financial capital, as assets are needed to compensate for income loss.

C是正确的。由于房地产是一种金融资产，房地产风险通常被认为与金融资本的潜在损失有关，而收入和健康风险可能会影响金融资本和人力资本。尽管liu的住宅价值巨大，但它只是家庭整体财务和人力资本的一小部分。因此，财产风险最不可能对liu维持生活方式、购买海景房、支付子女大学留学费用和资助慈善捐款的能力产生不利影响。

A不正确。健康风险是指与疾病或伤害相关的风险和影响。即使有保险，与疾病或伤害相关的直接财务成本也可能包括共同保险、自付额和免赔额。健康因素通常也会对生命、残疾和长期护理保险费产生影响。健康风险对人力资本和金融资本也有影响。例如，如果一名工人残疾，他或她可能在产生医疗费用的同时无法工作，从而导致流动资产和未来收入的损失。

B不正确。收入风险是与个人收入潜力相关的风险。考虑到离退休还有20年，这对他来说是一个重大风险。收入可能受到死亡、健康问题、失业和就业不足的影响。收入损失通过减少未来预期劳动收入和金融资本的现值来减少人力资本，因为需要资产来弥补收入损失。