黃同學(xué)
2020-03-11 11:09老師，個人ips的R32，藍神筆記下冊的P159頁，為什么inflation-adjusted annuity屬于fixed annuity？fixed annuity的缺點是不抗通脹，既然和通脹率掛鉤了應(yīng)該抗通脹??？
所屬：CFA Level III > Private Wealth Management 視頻位置 相關(guān)試題
來源： 視頻位置 相關(guān)試題
1個回答
Chris Lan助教
2020-03-11 20:30
該回答已被題主采納
同學(xué)你好
這一點我是總結(jié)紀老師上課講的話，但我感覺有點問題，我之前找紀老師求證，他沒回復(fù)我，我自己查原版書也沒找到這種表述，這一點你先不要這么記了吧。
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追答
原版書上有這么一段summary，從這個意思來看fixed rate annuities應(yīng)該是不能inflation-adjusted的。
Fixed annuities provide a benefit that is fixed (or known) for life, whereas variable annuities have a benefit that can change over time and that is generally based on the performance of some underlying portfolio or investment. When selecting between fixed and variable annuities, there are a number of important considerations, such as the volatility of the benefit, flexibility, future market expectations, fees, and inflation concerns.
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