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上一主题:Reading 28:Managing Institutional Investor Portfolios- LO
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周教授CFA金融课程:2021年CFA一二三级系列课程

Reading 20: Human Capital, Asset Allocation, and Life Insur

Q2. Given the Arlt’s personal information gathered from the questionnaire, which of the following statements regarding the correct asset allocation of their portfolio is most accurate?

A)   Their portfolio should be allocated more towards risky assets since their human capital is bond-like.

B)   Since they are in the early part of the accumulation phase of their careers they can tolerate more risk in their portfolio and thus should be invested more heavily in equities.

C)   Their portfolio should be allocated more towards less risky assets because they have a below average willingness to accept risk thus their overall risk level is below average.

Q3. The statements made by the financial consultant regarding the demand for life insurance and the asset allocation of the policy premiums are:

A)   correct for only one of the statements.

B)   incorrect for both statements.

C)   correct for both statements.

Q4. A disadvantage of the Arlt’s choice of the annuity is:

A)   if they both die before their predicted life expectancy the remainder of their assets will go to the insurance company instead of their heirs.

B)   the annuity will lose real earning power in periods of high inflation.

C)   the annuity is less tax efficient than utilizing a 401k or 403b account.

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上一主题:Reading 28:Managing Institutional Investor Portfolios- LO
下一主题: Reading 20: Human Capital, Asset Allocation, and Life Insur