About immunization! Please help!! URGENT!!

[original post removed]

Quite rusty but will have a go…

Create a potfolio of the two assets such that:

  • PV of Asset Portfolio (PVA) = PV Liabilities (PVL)

PVL can be immediately calculated from the data given. For PVA we can calculate the current price of each of the 5 & 10 - year ZCBs, and then assume X units of the 5-Year ZCB & Y units of the 10-Year ZCB are bought we can form a simple linear equation that equates to the PVL (which we know).

  • Duration of the Asset Porfolio = Duration of Liabilities
    Similarly, as with the PVs, we can do the same for the Durations and get a second linear equation. Then we can solve for X & Y based on the two linear equations. I did this quickly in a spreadsheet and got the following (by no mean claiming this is correct becasue did it really quickly): PVL = $45,081 Price of 5-Year ZCB= $81.9 Price of 10-Year ZCB = $67.0 X = 316 Y = 286

I would suppose this is a similar idea as above but:

  • We have another unknown, i.e. “n”.
  • So since no values are being asked for I would think its more of a qualitative question to explain the process and importantly exlain Redington Immunization conditions … and setting up systems of linear equations (3 in this case)…The third equation comes in because of the next bullet point.
  • …the condition that: Convexity of Asset Portfolio (CA) > Convexity of Liabilities (CL).

There may be more …?

I think this is solving the system of three equations to calculate 3 unknowns X, Y, n ? …and more? Hope I am making sense and you find it useful.