medium · FRM Part 2 Risk & Investment Management

If a pension plan increases its allocation to long-duration bonds, which of the following changes is most likely to occur in the Surplus-at-Risk (SaR) calculation for a plan with long-duration liabilities?

  1. The SaR will automatically decrease because bonds have lower standalone volatility than equities.
  2. The correlation ρ_AL will increase, potentially lowering SaR despite higher asset volatility.
  3. The hedge term will become positive, increasing the total surplus variance.
  4. The liability volatility σ_L will decrease because the assets are now safer.

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