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Pina · 2022年07月11日

II

  1. CFA III
  2. Behavioral Finance

* 问题详情，请 查看题干

NO.PZ201511190100000401

问题如下：

When advising his clients, Wang is least likely to:

选项：

A.

educate Perez on the benefits on portfolio diversification.

B.

limit Johnson’s role in the investment decision-making process.

C.

provide Patel with details like standard deviations and Sharpe ratios.

解释：

C is correct.

This would not be an effective way to advise Patel. Given Patel’s information, he is likely to be more receptive to “big picture” advice that does not dwell on details like standard deviations and Sharpe ratios. He is emotionally biased and providing excessive cognitive detail will lose his attention. He needs to be convinced of his advisor’s general philosophy first and then, as trust is gained, he will respond to advice and take action. (Patel is a Passive Preserver.)

老师好，这题为什么不选B？ Sara 是II 是吗？ II 是cognitive 所以可以be educated 只要给 data backed sources即可？谢谢、

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王琛_品职助教 · 2022年07月12日

嗨，努力学习的PZer你好：


1

同学后面的分析是对的，Sarah Johnson 的投资者分类是 AA

2

AA 确实是很难被说服，或者说可能是投资者分类中最难建议的客户 "Active Accumulators may be the most difficult clients to advise."

因为 AA 喜欢亲历亲为，希望深度参与投资决策过程。"They are often "hands on", wanting to be heavily involved in the investment decision-making process."

3

但是 AA 倾向于 emotional bias，表现出过度自信，他们相信他们的投资会有好的结果，但是有时候这种乐观的态度是不理性的 "They are convinced that their investments will do well, even if that optimistic attitude is irrational"

所以与这些客户打交道的最好方法是顾问要控制局势，限制客户的投资决策 "The best approach to dealing with these clients is to take control of the situation."

如果顾问不限制，最终结果可能是双方都不爽 ("the result will likely be an unhappy client and an unhappy adviser.")

选项 B 重点在限制，并没有提到说服客户哈

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虽然现在很辛苦，但努力过的感觉真的很好，加油！

Pina · 2022年07月11日

Sara是AA 不是II。 AA的话不是很难说服？ 为啥不选B？ 谢谢。

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