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Multi-liability question

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Hi everyone,

Having a bit of trouble here and would appreciate some help on multi-liability immunization, Page 45 of the Fixed Income book.

It says that 3 conditions are required

1) PV A = PV L

2) Composite duration of the portfolio must = composite duration of the liabilities

3) Individual portfolio assets must have at least one asset duration less than the lowest liability duration and at least one asset with a duration higher than the longest liability duration, ie: have a wider range.

Goes on to say that it isn’t necessary to have a portfolio with a duration of 30, but does that mean that it is still required to have at least one asset with a duration longer than the longest liability, even if it is a 25 year liability, in order to meet requirement 2? 

Thanks a lot!


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