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NO.PZ2019100901000013问题如下Fiona Heselwith is a 40-year-olUS citizen who hacceptea job with Lyricul, LLa UK-basecompany. Her benefits package inclus a retirement savings plan. The company offers both a finebenefit () plana finecontribution () plbut stipulates themployees must choose one planremain with thplthroughout their term of employment.The plis fully funanprovis full vesting after five years. The benefit formula for monthly payments upon retirement is calculatefollows:Finmonthly salary × Benefit percentage of 2% × Number of years of serviceThe finmonthly salary is equto average monthly earnings for the last five financiyears immeately prior to the retirement teThe plcontributes 12% of annusalary into the pleayeanis also fully vesteafter five years. Lyricul offers its plparticipants a series of life-cycle fun investment choices. Heselwith coulchoose a funwith a target te matching her planneretirement te. She woulable to make aitioncontributions from her salary if she choosesscuss the features thHeselwith shoulconsir in evaluating the two plans with respeto the following:i. Benefit paymentsii. Contributionsiii. Shortfall riskiv. Mortality/longevity risks第一条although her contributions in the plare vesteimmeately.

NO.PZ2019100901000013 问题如下 Fiona Heselwith is a 40-year-olUS citizen who hacceptea job with Lyricul, LLa UK-basecompany. Her benefits package inclus a retirement savings plan. The company offers both a finebenefit () plana finecontribution () plbut stipulates themployees must choose one planremain with thplthroughout their term of employment.The plis fully funanprovis full vesting after five years. The benefit formula for monthly payments upon retirement is calculatefollows:Finmonthly salary × Benefit percentage of 2% × Number of years of serviceThe finmonthly salary is equto average monthly earnings for the last five financiyears immeately prior to the retirement teThe plcontributes 12% of annusalary into the pleayeanis also fully vesteafter five years. Lyricul offers its plparticipants a series of life-cycle fun investment choices. Heselwith coulchoose a funwith a target te matching her planneretirement te. She woulable to make aitioncontributions from her salary if she choosesscuss the features thHeselwith shoulconsir in evaluating the two plans with respeto the following:i. Benefit paymentsii. Contributionsiii. Shortfall riskiv. Mortality/longevity risks i. Benefit payments: Benefit payments cterminethe formulFinmonthly salary × Benefit percentage of 2% × Number of years of service.: Benefit payments is terminethe contribution of sponsor anemployees. Also employee's personselection of the investment portfolio. So it hmore uncertainty.ii. Contributions: Contributions for is not a fixenumber, sponsor anemployee both make contributions but sponsor's contribution woulterminethe funng status of the .: Sponsor anemployee both make contributions a fixeamount of money. The plcontributes 12% of annusalary into the plan.iii. Shortfall risk: Sponsor are responsible for the shortfall risk anthe plis fully funanprovis full vesting after five years. : Employee bethe shortfall risk if they 't choose the profit investment portfolio.iv. Mortality/longevity risks: pools the mortality risk/logevity risk together so the people who eyong coulhelp to balanthose who live longer. So the totbenefit payment coulstable. : Invials bethe Mortality/longevity risks.

NO.PZ2019100901000013 问题如下 Fiona Heselwith is a 40-year-olUS citizen who hacceptea job with Lyricul, LLa UK-basecompany. Her benefits package inclus a retirement savings plan. The company offers both a finebenefit () plana finecontribution () plbut stipulates themployees must choose one planremain with thplthroughout their term of employment.The plis fully funanprovis full vesting after five years. The benefit formula for monthly payments upon retirement is calculatefollows:Finmonthly salary × Benefit percentage of 2% × Number of years of serviceThe finmonthly salary is equto average monthly earnings for the last five financiyears immeately prior to the retirement teThe plcontributes 12% of annusalary into the pleayeanis also fully vesteafter five years. Lyricul offers its plparticipants a series of life-cycle fun investment choices. Heselwith coulchoose a funwith a target te matching her planneretirement te. She woulable to make aitioncontributions from her salary if she choosesscuss the features thHeselwith shoulconsir in evaluating the two plans with respeto the following:i. Benefit paymentsii. Contributionsiii. Shortfall riskiv. Mortality/longevity risks i. Benefit payments:The benefit payments in plis finebut uncertain in planii. Contributions:The contribuitions in plis certain but uncertain in plan.iii. Shortfall risk:The employer bears the shortfall risk in the plwhile the employee himself bears the shortfall risk.iv. Mortality/longevity risks: In plan, it pools the mortality anlongevity risks together.The people who e early leaves the money to the one who live longer.But in plan, the employee himself bethe longevity risk.

NO.PZ2019100901000013 问题如下 Fiona Heselwith is a 40-year-olUS citizen who hacceptea job with Lyricul, LLa UK-basecompany. Her benefits package inclus a retirement savings plan. The company offers both a finebenefit () plana finecontribution () plbut stipulates themployees must choose one planremain with thplthroughout their term of employment.The plis fully funanprovis full vesting after five years. The benefit formula for monthly payments upon retirement is calculatefollows:Finmonthly salary × Benefit percentage of 2% × Number of years of serviceThe finmonthly salary is equto average monthly earnings for the last five financiyears immeately prior to the retirement teThe plcontributes 12% of annusalary into the pleayeanis also fully vesteafter five years. Lyricul offers its plparticipants a series of life-cycle fun investment choices. Heselwith coulchoose a funwith a target te matching her planneretirement te. She woulable to make aitioncontributions from her salary if she choosesscuss the features thHeselwith shoulconsir in evaluating the two plans with respeto the following:i. Benefit paymentsii. Contributionsiii. Shortfall riskiv. Mortality/longevity risks Benefit payments:: The benefit payment is finecontract, whiis is calculateas: Finmonthly salary × Benefit percentage of 2% × Number of years of service; : The benefit payment is uncertain thpen on investment choithe employer on a series of life-cycle fun anthe performanof the fun. Besi, it also pen on if Fiona is able to make aitioncontributions from her salary.Contribution:: The contribution is not fixethe plis fully funcurrently, analso pen on the investment performanof the plan;: The contribution is fixefor employer, whiis 12% of annusalary of Fionanis flexible for employee her choice.Shortfall Risk:: The shortfall risk of plis beemployer;: The employee bears the shortfall risk herself.Mortality/Longevity Risk:: The employer covers the mortality/longevity risk;: The employee bears the mortality/longevity risk herself.