Reference no: EM132928916
Problem 1: The capital preservation approach assumes the retirement account value will:
a. Be the same the first day of retirement and the last day of retirement.
b. Grow, due to compounding, over the retirement period such that the real value of the retirement assets is equal to the nominal value at retirement.
c. Lose value over the retirement period
d. Be depleted by the time of the client's death
Problem 2: A client couple comes to their planner to discuss retirement distributions. The couple is very concerned about shortfall risk. Their planner most likely discusses with them:
a. The Monte Carlo analysis
b. The value of a joint and survivor annuity in guaranteeing a level of income
c. The inclusion ratio of withdraws from their IRA
d. Their risk tolerance for rebalancing their account to capture more gains over the retirement period.
Problem 3: Income or living expense replacement ratios:
a. Are consistently pegged at 90% of current income on the first day of retirement
b. Should be between 40% and 60% of income on the first day of retirement
c. Should be between 70% and 80% of income on the last work day
d. Vary between 70% and 100% with low- and high-income-earning households needing the highest replacement ratios
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