问题如下图：
选项：
A. 
B. 
C. 
解释：
PV of bequest要减去？？？
NO.PZ2018091705000079 问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) 这道题的答案我能不能这么理解trationbalansheets的A-L算出的结果是net worth？economic/extenholistic balansheets的A-L算出的结果是net wealth？那为什么我在asset allocation里面学的economic/extenholistic balansheets的A-L算出的结果是net worth呢？net worth和net wealth到底都是什么意思？对应谁？请老师分别直接一下，谢谢老师！
NO.PZ2018091705000079问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) 为什么要减去bequest？
NO.PZ2018091705000079问题如下 Shelly tells her investment manager thshe hrecently been reang about trationand economic balansheets, woullike to clarify her unrstanng on calculation of net wealth. Whiof following formulations are correto calculate her net wealth? Net wealth = Net worth +(PV of future earnings + PV of unvestepension benefits) -(PV of consumption goals + PV of bequests) Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析：Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) vesteunveste文是什么意思？
NO.PZ2018091705000079 Net wealth = Net worth -(PV of future earnings + PV of unvestepension benefits) +(PV of consumption goals + PV of bequests) Net wealth = PV of future earnings + PV of unvestepension benefits +PV of consumption goals + PV of bequests A is correct. 考点: Economic (HolistiBalanSheet 解析Net wealth 净财富的计算方法如下: Net wealth = Net worth from the trationbalansheet +(Present value of future earnings + Present value of unvestepension benefits) – (Present value of consumption goals + Present value of bequests) veste是默认在net worth里吗？但veste只是说确认的养老金不是到手的钱吧？这里怎么理解？
这里应该是vestepensions吧 unveste是归类于负债吗？谢谢
