第3問，講義中重點講了life insurance和annuity，除了這兩個之外，像本題問到的medial insuranc等其他險種有哪些考點需要掌握嗎？
為什么不分紅的net premium cost index比分紅的高呢？怎么理解不分紅成本更高？
精 charitable reminder trust是要把股票捐出去么？這個信托是如何運用的哦？
Statement 2 If Jason were to purchase the annuity in 10 years rather than immediately, his annual income yield would be higher at that time than now。Statement 3 If Janice were to add a 10-year period certain option to her annuity, her income yield would be reduced when compared to not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity.——這兩個為什么是對的，可否解釋一下？
本題為什么不考慮金額，如果帶入金額最終結(jié)果會不同因為有一萬五的免稅額不是嗎？
精 我在CFA 網(wǎng)站上看到這樣一句話：If Janice （50-years-old）were to add a 10-year period certain option to her annuity, her income yield would be reduced when compared with not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity. 這句話是什么意思？
精 老師好 請問百題case1 第5題 statement 3不是很理解。“if Janice were to add a 10-yr period certain option to her annuity, her income yield would be reduced when compared to not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity" 為什么income yield 會下降？為什么越晚降得越多。謝謝
此處累進(jìn)稅率的點可以解釋一下嗎？
為什么講義這里第三點說這是一個taxable event，然后最后一點又說可以avoids taxable event, 所以到底是taxable還是不呢？為什么？此外，老師這里講的是個人以公司股份作為擔(dān)保向銀行借款，但圖二的沖沖刺筆記這里又寫著是創(chuàng)始人以自己的股權(quán)作為抵押向公司借錢，這到底是和誰（銀行？公司？）借錢？
第20，21題中，Unrealized gains/loss指的是什么？比如說一只股票10元買入，一年內(nèi)漲到了15元，只要我不賣這只股票，那么是不是就有5元的unrealized gain? 同理，如果這只股票一年內(nèi)跌到了5元，如果不賣的話，是不是unrealized loss就是5元？recognize gain/loss是不是指的就是賣掉股票？ Realized 和recognized是同義詞嗎？
老師，11題第一個選項a stated maximum level of volatility和goal-based investment之間有什么聯(lián)系嗎？書上和講義上都沒有提過這一點啊。而且a stated maximum level of volatility用的是單數(shù) a， 也沒有體現(xiàn)出投資經(jīng)理為客戶的每一個目標(biāo)制定volatility?。?
請問vested pension is financial asset, unvested pension is human capital 對嗎？
最新的分類中Massive-affluent 好像是從0.1mil開始的，那么題中的stage1 是不是就屬于這一類了呢？如果低于0.1mil還屬于robo-advisor嗎，現(xiàn)在還有這個分類么？
第二題，如果只回答“taxable bond account is the lease tax efficient”，可以得滿分么？、
這句話怎么理解？，什么是指concerning access to invested funds??？ -- Both deferred and immediate annuities provide the same flexibility concerning access to invested funds.
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