Recommendations & Strategies第 69 / 110 题
The present value of a future stream of retirement income needs is most affected by which assumption?
a.The assumed inflation and discount rate applied to future cash needs
b.The color of the client's investment statements
c.The number of accounts the client holds
d.The brand of mutual fund selected
解析
Retirement income planning discounts future spending needs to present value, and the assumed inflation and discount rates strongly influence how much must be saved today. Higher inflation raises future needs, while a higher discount rate lowers present value. These time-value assumptions drive the funding target.
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