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多乐登 · 2025年04月22日

这样回答可以吗?

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NO.PZ202410180200002504

问题如下:

Discuss the implications of Sili’s retirement plan with respect to the value of her human capital, financial capital, and total wealth, as well as with respect to the decumulation phase of her economic life cycle.

解释:

While Sili's human capital value likely declines in retirement as she ages, her ability to earn money from her investments and advisory work for start-ups may negate significant declines in the value of her human capital. However, eventually she may decide to make fewer investments and take on fewer advisory assignments, and at this stage, her human capital will decline in value more significantly. Sili's financial capital is likely to continue to increase as long as she remains effective at identifying good candidate start-ups in which to invest. As these companies succeed financially, Sili will continue to realize profits from these investments. Eventually, she will begin converting some of her financial capital into donations to her philanthropic interests during the decumulation phase of her economic life. At this point in time, her total wealth may finally begin to decline.

In Sili's retirement plan, 


the value of her human capital may decline with age, 

but this trend can be mitigated through investments and advisory work for startups. 


As she reduces these activities, her human capital will decrease more significantly. 


Meanwhile, her financial capital continues to grow due to successful investments, with portions later allocated to philanthropy, potentially leading to an eventual decline in total wealth. 

1 个答案

费费_品职助教 · 2025年04月22日

嗨,从没放弃的小努力你好:


没问题

这道题考点是life-cycle view of human capital, 能够写出HC下降,分析出客户的特点、不同阶段对financial capital的影响即可

----------------------------------------------
就算太阳没有迎着我们而来,我们正在朝着它而去,加油!

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