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一只可爱的猪 · 2021年09月20日

想问一下这道题

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

NO.PZ201704060100000302

问题如下：

Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:

选项：

A.

A$0.

B.

A$331,267.

C.

A$2,078,101.

解释：

B is correct.

The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.

Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.

这道题目，为什么直接用（1+dis）/（1+rate）-1？2.42%是怎么来的？什么意思来的

这道题有点无从下手

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1 个答案

王暄_品职助教 · 2021年09月22日

因为Case中提到了，living expensegrowat3.5% annually，所以PMT是每年增长了。我们为了固定PMT，所以保持PMT=500,000，也就是意味着这个PMT是real term，那么分子分母要保持相同，都是real term，所以把discount rate也调成real term，即6%-3.5%=2.5%(你也可以用答案里的方法用1.06/1.035=2.42%，两种算法都会判你对的)


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