郝同學(xué)
2022-04-19 09:50本題中，medical expense也是沒有量化的。是不是雖然題目中量化，默認(rèn)都是只針對planned goal，unplanned goals默認(rèn)不用量化？
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
2022-04-19 10:35
該回答已被題主采納
同學(xué)你好
unplanned goals就是不知道什么時候用錢，也不知道用多少錢的目標(biāo)。所以他難以量化。
Unplanned Goals: Unplanned goals are those related to unforeseen financial needs. (difficult to estimate the timing and the amount of funding needed) 計劃外目標(biāo)：計劃外目標(biāo)是與不可預(yù)見的財務(wù)需求相關(guān)的目標(biāo)（難以估算所需的時間和資金量）
1）Property repairs. Although households may be insured against losses or catastrophes, clients may face additional spending needs if insurance does not fully cover such events. 物業(yè)維修。雖然家庭可能投保損失或災(zāi)難險，但如果保險不能完全覆蓋此類事件，客戶可能面臨額外的支出需求
2）Medical expenses. Private client households normally have medical insurance for illness or hospitalization, but health insurance may not cover all medical expenses. A related issue in some locations is the potential cost of elder care for oneself or one’s family members. 醫(yī)療費用。私人客戶家庭通常擁有疾病或住院醫(yī)療保險，但健康保險可能不能覆蓋所有醫(yī)療費用。在某些地方，一個相關(guān)的問題是對自己或家人的老年護(hù)理的潛在費用
3）Other unforeseen spending：其他不可預(yù)見的開銷
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