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徐威廉 · 2022年04月25日

Family living expenses will decline by $30,000 per year;

  1. CFA III
  2. 个人IPS

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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%.

Family living expenses will decline by $30,000 per year;文中这个假设条件为什么没有用上？

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王暄_品职助教 · 2022年04月25日

这句话的信息已经包括进了后面的“Olivia’s projected living expense will be $50,000 per year for 44 years; and The children’s projected living expenses will be $15,000 per year for 6 years.”，因为这两句直接表明了往后年份，孩子们和妻子的living expense。


丈夫没死，family living expense为95,000

后续又给出条件，如果丈夫死了，family living expense 下降30,000，则为65,000


Olivia 50,000 + Children 15,000 = 65,000

 

所以，不用再算一遍family living expense

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