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System and method for incorporating mortality risk in an investment planning model
System and method for incorporating mortality risk in an investment planning model
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机译:将死亡风险纳入投资计划模型的系统和方法
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摘要
A method for computing possible future values of a portfolio of an investor including (a) receiving user inputs comprising an initial value of a portfolio and a current age of an investor; (b) randomly drawing a number between 0 to 1; (c) determining a mortality rate of the investor in accordance with a mortality table based on the current age of the investor; (d) comparing the randomly drawn number with said determined mortality rate using a preselected logical relation to define the current age as the age of death of the investor; (e) computing a future value of the portfolio using the age of death defined in step (d)(1), a predetermined rate of return, and the initial value of the portfolio; and (f) outputting the computed future value of the portfolio.
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