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Chasechoi · 2022年08月10日

个人投资者要更分散投资吗？

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000105

问题如下：

During their meeting, Açor and Bañuq discuss charitable pledges that Udhamini has recently received and the likelihood that Njau will meet her charitable pledge. Bañuq then asks Açor the following question:

“How might my investment objectives and constraints differ from those of a typical university endowment, such as Udhamini?

The day after Açor’s meeting with Bañuq, Açor realizes that her actions in the meeting may have raised an ethical concern.

The most appropriate response to Bañuq’s question is that he has: 


选项：

A.

a shorter time horizon. 

B.

 less significant tax considerations. 

C.

 less diverse investment objectives.

解释：

 A is correct. As a private client, Bañuq is more likely to have a shorter time horizon than that of Udhamini. Thus, Bañuq is likely to be more constrained with respect to risk taking and liquidity. A typical university endowment has a long time horizon, which can theoretically be infinite.

个人投资者要更分散投资吗？

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1 个答案

王暄_品职助教 · 2022年08月10日

选项C说的不是分散投资的意思，而是更分散化的目标。因为个人投资者的投资目标是多样化的，有的人为了养老，有的人为了传承，有的人为了环游世界；而机构投资者的投资目标通常比较单一，都是为了让这个机构的投资额度越滚越大，持续经营下去。


关于你说的投资分散化，无论个人还是机构，在投资的时候都最好做到尽量分散化，从而降低风险

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