Strategic financial planning over the lifecycle: a conceptual approach to personal risk management
Gespeichert in:
| Hauptverfasser: | , , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Cambride ; New York
Cambridge University Press
2012
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | Includes bibliographical references (p. 353-356) and index. |
| Beschreibung: | xiii, 367 Seiten Illustrationen, Diagramme 24 cm |
| ISBN: | 9780521764568 9780521148030 |
Internformat
MARC
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| 245 | 1 | 0 | |a Strategic financial planning over the lifecycle |b a conceptual approach to personal risk management |c Narat Charupat (McMaster University, Canada), Huaxiong Huang (York University, Canada), Moshe A. Milevsky (York University and the IFID Centre, Canada) |
| 264 | 1 | |a Cambride ; New York |b Cambridge University Press |c 2012 | |
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| 650 | 4 | |a Finance, Personal | |
| 650 | 4 | |a Risk management | |
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| adam_text | Titel: Strategic financial planning over the lifecycle
Autor: Charupat, Narat
Jahr: 2012
Contents
Acknowledgments page xiii
1 Introduction and Motivation 1
2 Mathematical Preliminaries - Working with Interest Rates 4
2.1 Interest Rates 4
2.1.1 Effective Annual Rate (EAR) and Annual
Percentage Rate (APR) 5
2.2 Time Value of Money - Definitions 7
2.3 Present Value and Future Value of a Single Cash Flow 8
2.4 Present Value of an Annuity with Constant Payments 9
2.4.1 Ordinary Annuity 9
2.4.2 Annuity Due 11
2.5 Future Value of an Annuity with Constant Payments 12
2.5.1 Ordinary Annuity 12
2.5.2 Annuity Due 13
2.6 Present Value of an Annuity Whose Payments Change
at a Constant Rate 14
2.6.1 Constant-Growth Ordinary Annuity 14
2.6.2 Constant-Growth Annuity Due 18
2.7 Future Value of an Annuity Whose Payments Change
at a Constant Rate 19
2.7.1 Constant-Growth Ordinary Annuity 19
2.7.2 Constant-Growth Annuity Due 20
2.8 A Preliminary Discussion of the Effects of Inflation 21
2.9 Appendix: Geometric Progressions and Annuity
Relations 23
2.10 Questions and Assignments 26
Personal Balance Sheet and Human Capital 28
3.1 Personal Balance Sheets 28
3.1.1 Financial Assets 30
3.1.2 Gross Human Capital 31
3.1.3 Explicit Liabilities 32
3.1.4 Implicit Liabilities 32
3.1.5 Economic Net Worth 32
3.2 Estimation of Gross Human Capital 33
3.2.1 What Is Proper Discount Rate for Gross Human
Capital? 36
3.3 Estimation of Implicit Liabilities 37
3.4 An Example of Human Capital Decisions: Investing in
Education 40
3.4.1 Some Caveats 42
3.5 Questions and Assignments 42
Consumption Smoothing and Optimal Savings 46
4.1 Consumption Smoothing 46
4.2 Assumptions for Consumption Smoothing 49
4.3 Solving for Smoothness 51
4.3.1 Effects of Changes in Other Parameter Values 65
4.4 Consumption Smoothing vs. Other Approaches 70
4.4.1 The Fixed-Percentage Savings Rules 70
4.4.2 The 70% Income Replacement Rule 73
4.5 Practical Considerations 75
4.6 Questions and Assignments 76
Debts, Loans, and Mortgages [Canadian Content] 79
5.1 Mortgage Financing 79
5.1.1 Mortgage Amortization 81
5.1.2 Mortgage Insurance 84
5.1.3 Mortgage Refinancing 88
5.1.4 Fixed-Rate vs. Floating-Rate Loans 92
5.2 Borrowing to Invest 95
5.3 Debt Consolidation 98
5.4 Is Debt Good or Bad? 99
5.5 Questions and Assignments 100
Personal Income Taxes [Canadian Content] 103
6.1 The Logic of Income Tax Calculations 103
6.1.1 Federal Income Taxes 105
6.1.2 Provincial Income Taxes 109
6.1.3 Combining Federal and Provincial Income Taxes 111
6.2 Investment Income 114
6.2.1 Interest Income 115
6.2.2 Dividend Income 115
6.2.3 Capital Gains/Losses 119
6.3 Income Tax Planning 120
6.3.1 Income Splitting 121
6.3.2 Tax-Deferred Investment Vehicles 124
6.3.3 Tax-Free Savings Accounts (TFSAs) 131
6.3.4 RRSPs vs. TFSAs 132
6.4 Questions and Assignments 134
Risk, Utility, and Insurance 136
7.1 The Concepts of Risk and Risk Preferences 136
7.1.1 Definition of Risk 136
7.1.2 Risk Preferences 137
7.2 The Concept of Insurance 138
7.3 The Demand for Insurance 141
7.3.1 When Should People Buy Insurance? 141
7.3.2 How Much Should You Pay for Insurance? 142
7.3.3 The Effect of Current Wealth on Insurance
Decisions 147
7.3.4 The Effect of Risk-Aversion Parameter on
Insurance Decisions 149
7.3.5 Generalizations 151
7.4 Insurance and Consumption Smoothing 152
7.5 Questions and Assignments 155
Mortality Risk and Life Insurance 157
8.1 Who Needs Life Insurance? 157
8.2 How Much Coverage Do You Need? 158
8.2.1 Human-Capital Approach 158
8.2.2 The Expense (Needs) Approach 160
8.3 Types of Life Insurance 161
8.3.1 Term Life Insurance 162
8.3.2 Cash-Value Life Insurance 179
8.4 Questions and Assignments 182
9 Investment and Diversification 183
9.1 Investment Decisions and Consumption 183
9.2 Major Asset Classes 186
9.2.1 Cash Equivalents 186
9.2.2 Fixed Income (Bonds) 187
9.2.3 Equities 188
9.2.4 Commodities 189
9.2.5 Real Estate 190
9.3 Historical Returns 191
9.3.1 Arithmetic Average vs. Geometric Average 193
9.3.2 Correlations of Returns 194
9.4 Asset Allocation and Diversification 194
9.5 Mutual Funds and Exchange-Traded Funds 197
9.5.1 Mutual Funds 197
9.5.2 Exchange-Traded Funds (ETFs) 201
9.6 Summary 201
9.7 Questions and Assignments 202
10 The Mathematics of Portfolio Diversification 204
10.1 Impressive Investment Performance: Real or Fake 204
10.2 Portfolio Diversification 206
10.2.1 Preliminaries 206
10.2.2 From Bernoulli to Binomial 209
10.2.3 The Central Limit Theorem 211
10.3 Portfolio Construction 214
10.3.1 Efficient Frontier for Two Assets 217
10.3.2 Efficient Frontier for More Than Two Assets 219
10.4 Summary 221
10.5 Questions and Assignments 222
11 Housing Decisions 224
11.1 Buying or Renting? 224
11.1.1 From a Purely Financial Perspective 224
11.1.2 Other Aspects of the Decision 232
11.1.3 Our Recommendation 234
11.2 Questions and Assignments 236
12 Pensions and Retirement [Canadian Content] 238
12.1 Longevity Risk 238
12.2 Retirement Plans that Provide Lifelong Income 243
12.2.1 Canada Pension Plan (CPP) and Old-Age
Security Pension (OAS) 243
12.2.2 Defined-Benefit Pension Plan 244
12.2.3 Life Annuity 248
12.3 Optimal Retirement Spending Rate in the Presence of
Longevity Risk 254
12.3.1 Retirement Spending Rates 255
12.3.2 Numerical Example 256
12.3.3 Including Pension Annuities 258
12.4 Summary 262
12.5 Questions and Assignments 264
13 Advanced Material: Part I. Continuous Time and the
Calculus of Variations 266
13.1 Wages and Salary in Continuous Time 266
13.2 Human Capital Values in Continuous Time 267
13.3 A Different Route: Same Destination 270
13.4 Does Human Capital Grow or Shrink over Time? 272
13.5 Implicit Liabilities in Continuous Time 273
13.6 Consumption Smoothing: A Second Look 273
13.7 Calculus of Variations 279
13.8 Smooth Consumption: A Final Look 281
13.9 Life and Death in Continuous Time 283
13.10 The Problem of Retirement Income 291
13.10.1 The Euler-Lagrange Equation 293
13.10.2 Wealth Depletion 293
13.10.3 Classifying the Different Retirement
Trajectories 295
13.10.4 Explicit Solution: Exponential Remaining
Lifetime 297
13.10.5 Explicit Solution: Gompertz Mortality 299
13.11 Back to the Working Years 302
13.11.1 Patient Individual k k g 303
13.11.2 Relatively Impatient Individual k g fc 305
13.11.3 Impatient Individual g k k 308
13.12 Conclusion 309
13.13 Questions and Assignments 310
13.14 Appendix 313
14 Advanced Material: Part II. Stochastic Optimal Control and
the HJB Equation 315
14.1 Dynamic Asset Allocation and Optimal Consumption 315
14.2 Asset Price Model 316
14.3 A Self-Financed Portfolio 317
14.4 The Asset-Allocation Problem 318
14.5 The Asset-Allocation-Consumption Problem 321
14.6 The Asset-Allocation-Consumption Problem with
Deterministic Wage Income 323
14.7 An Advanced Stochastic Lifecycle Model 324
14.7.1 Model Specifications 325
14.7.2 HJB Equation for the Lifecycle Model 328
14.7.3 Closed-Form Solution 329
14.8 Questions and Assignments 337
14.9 Technical Appendix 338
14.9.1 Elementary Stochastic Calculus in Finance 338
14.9.2 Stochastic Dynamic Optimization 341
14.9.3 Finite Difference Method for Solving the HJB
Equation 342
15 Concluding Thoughts and Next Steps 345
15.1 Portfolio Selection with Human Capital 346
15.2 Asset Location vs. Asset Allocation 347
15.3 Home Mortgage Financing 348
15.4 Life and Health Insurance 348
15.5 Employee Compensation and Proper Incentives 349
15.6 Choice of Defined Benefit vs. Defined Contribution
Pensions 349
15.7 Starting a Retirement Pension Annuity 350
15.8 Estate Planning and Tax Arbitrage 350
15.9 The Real Options in Your Life 350
Bibliography 353
Index 357
|
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| language | English |
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| spelling | Charupat, Narat Verfasser (DE-588)171639561 aut Strategic financial planning over the lifecycle a conceptual approach to personal risk management Narat Charupat (McMaster University, Canada), Huaxiong Huang (York University, Canada), Moshe A. Milevsky (York University and the IFID Centre, Canada) Cambride ; New York Cambridge University Press 2012 xiii, 367 Seiten Illustrationen, Diagramme 24 cm txt rdacontent n rdamedia nc rdacarrier Includes bibliographical references (p. 353-356) and index. Wirtschaft Finance, Personal Risk management Wealth Management BUSINESS & ECONOMICS / Accounting / Financial bisacsh Finanzplanungsmodell (DE-588)4252015-0 gnd rswk-swf Haushalt (DE-588)4023744-8 gnd rswk-swf Risikomanagement (DE-588)4121590-4 gnd rswk-swf Individuum (DE-588)4026751-9 gnd rswk-swf Individuum (DE-588)4026751-9 s Haushalt (DE-588)4023744-8 s Finanzplanungsmodell (DE-588)4252015-0 s Risikomanagement (DE-588)4121590-4 s b DE-604 Huang, Huaxiong Verfasser (DE-588)137058675 aut Milevsky, Moshe Arye 1967- Verfasser (DE-588)171757416 aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=025239649&sequence=000004&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Charupat, Narat Huang, Huaxiong Milevsky, Moshe Arye 1967- Strategic financial planning over the lifecycle a conceptual approach to personal risk management Wirtschaft Finance, Personal Risk management Wealth Management BUSINESS & ECONOMICS / Accounting / Financial bisacsh Finanzplanungsmodell (DE-588)4252015-0 gnd Haushalt (DE-588)4023744-8 gnd Risikomanagement (DE-588)4121590-4 gnd Individuum (DE-588)4026751-9 gnd |
| subject_GND | (DE-588)4252015-0 (DE-588)4023744-8 (DE-588)4121590-4 (DE-588)4026751-9 |
| title | Strategic financial planning over the lifecycle a conceptual approach to personal risk management |
| title_auth | Strategic financial planning over the lifecycle a conceptual approach to personal risk management |
| title_exact_search | Strategic financial planning over the lifecycle a conceptual approach to personal risk management |
| title_full | Strategic financial planning over the lifecycle a conceptual approach to personal risk management Narat Charupat (McMaster University, Canada), Huaxiong Huang (York University, Canada), Moshe A. Milevsky (York University and the IFID Centre, Canada) |
| title_fullStr | Strategic financial planning over the lifecycle a conceptual approach to personal risk management Narat Charupat (McMaster University, Canada), Huaxiong Huang (York University, Canada), Moshe A. Milevsky (York University and the IFID Centre, Canada) |
| title_full_unstemmed | Strategic financial planning over the lifecycle a conceptual approach to personal risk management Narat Charupat (McMaster University, Canada), Huaxiong Huang (York University, Canada), Moshe A. Milevsky (York University and the IFID Centre, Canada) |
| title_short | Strategic financial planning over the lifecycle |
| title_sort | strategic financial planning over the lifecycle a conceptual approach to personal risk management |
| title_sub | a conceptual approach to personal risk management |
| topic | Wirtschaft Finance, Personal Risk management Wealth Management BUSINESS & ECONOMICS / Accounting / Financial bisacsh Finanzplanungsmodell (DE-588)4252015-0 gnd Haushalt (DE-588)4023744-8 gnd Risikomanagement (DE-588)4121590-4 gnd Individuum (DE-588)4026751-9 gnd |
| topic_facet | Wirtschaft Finance, Personal Risk management Wealth Management BUSINESS & ECONOMICS / Accounting / Financial Finanzplanungsmodell Haushalt Risikomanagement Individuum |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=025239649&sequence=000004&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| work_keys_str_mv | AT charupatnarat strategicfinancialplanningoverthelifecycleaconceptualapproachtopersonalriskmanagement AT huanghuaxiong strategicfinancialplanningoverthelifecycleaconceptualapproachtopersonalriskmanagement AT milevskymoshearye strategicfinancialplanningoverthelifecycleaconceptualapproachtopersonalriskmanagement |