Robyn
2024-02-01 13:53Statement 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？
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
Johnny助教
2024-02-03 23:46
該回答已被題主采納
同學(xué)你好，period certain就是這個年金保證一定至少支付你相應(yīng)年份的年金，就比如10年的period certain就是這個年金肯定會至少支付你10年，如果在購買了年金后的第五年就去世了，即使在投資者死后，他的家屬也至少會再收取5年的年金。如果沒有period certain，那么死后就沒有年金可收了。
不過有period certain的年金的income yield會低于沒有period certain的時(shí)候
statement 3的意思是50歲買普通年金的income yield減去50歲買包含period certain的年金的income yield，這個income yield之差會小于60歲買普通年金的income yield減去60歲買包含period certain的年金的income yield。其實(shí)就是60歲的兩個income yield差距會大于50歲時(shí)的兩個income yield差距，這個說法是正確的，參照直播時(shí)的表格數(shù)據(jù)。
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