开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

大张伟 · 2022年08月19日

不是很理解为什么 comment 2是least like会使得Yang将behaviour fiance加在IPS里?

NO.PZ2022052301000002

问题如下:

Owen and Yang have lunch with Richard Sloan, a new client, to discuss his Investment Policy Statement (IPS). Upon returning to the office, Yang writes up the following notes from their meeting and include Sloan’s comments regarding why he has decided to change investment advisers:

Comment 1 Previous adviser solely focused on outperforming the S&P 500.

Comment 2 Previous adviser provided a consistent approach to managing their relationship.

Comment 3 Previous adviser did not understand him or his financial objectives.

Given Sloan’s comments, Yang believes incorporating behavioral finance into his IPS will help to enhance the firm’s relationship with him.

Which of Sloan’s comments from the lunch meeting least likely influenced Yang that a stronger bond could be developed, and to therefore include behavioral finance in his IPS?

选项:

A.

Comment 3

B.

Comment 1

C.

Comment 2

解释:

Comment 2, that the previous adviser provided a consistent approach to managing their relationship, least likely influenced Yang to include behavioral finance in the IPS.

Sloan’s Comment 1 that his previous adviser was solely focused on outperforming the S&P 500 and Comment 3 that his previous adviser did not understanding him or his financial objectives is what lead Yang to include behavioral factors in the IPS. Including these may aid in client retention as factors other than investment results may be considered when clients seek new advisers. Practitioners may lose clients because clients do not feel as though their advisers understand them and/or their financial objectives. The primary benefit behavioral finance offers is the ability to develop a stronger bond between clients and advisers. The adviser can help the client better understand why a portfolio is designed the way it is and why it is appropriate for him, regardless of what happens day-to-day in the markets.

前两个结论里,第一个和第三个一个意思?说的都是不太懂投资者的目标?

第二个没太明白,提供一个consistent approach、并没有什么变化,难道不是说也不太懂客户么?

1 个答案

王琛_品职助教 · 2022年08月20日

嗨,爱思考的PZer你好:


1)前两个结论里,第一个和第三个一个意思?说的都是不太懂投资者的目标?

是的,详细分析,也请参考:https://class.pzacademy.com/qa/102957

2)第二个没太明白,提供一个consistent approach、并没有什么变化,难道不是说也不太懂客户么?

不是的,原版书对这条结论的解释是

大多数成功的顾问,在提供财富管理服务方面,都保持着一致的方法。纳入行为金融学,可以成为该纪律的一部分,而不需要大幅地改变顾问的方法 "without requiring large-scale changes in the adviser’s methods"

我理解,所谓的 consistent,并不是指给到客户的结论是一致不变的,而是顾问采取的方法

原版书并没有展开具体的方法,也没有举例

我个人认为,如果 consistent 不太好理解,原版书还给了另一个说法:systematic approach 系统的方法,这样同学看是不是更好理解

----------------------------------------------
就算太阳没有迎着我们而来,我们正在朝着它而去,加油!

  • 1

    回答
  • 0

    关注
  • 708

    浏览
相关问题

NO.PZ2022052301000002问题如下 Owen anYang have lunwith RicharSloan, a new client, to scuss his Investment PoliStatement (IPS). Upon returning to the office, Yang writes up the following notes from their meeting aninclu Sloan’s comments regarng why he hcito change investment aisers:• Comment 1 Previous aiser solely focuseon outperforming the S P 500.• Comment 2 Previous aiser provia consistent approato managing their relationship.• Comment 3 Previous aiser not unrstanhim or his financiobjectives.Given Sloan’s comments, Yang believes incorporating behaviorfinaninto his IPS will help to enhanthe firm’s relationship with him.Whiof Sloan’s comments from the lunmeeting least likely influenceYang tha stronger boncoulvelope anto therefore inclu behaviorfinanin his IPS? A.Comment 3B.Comment 1C.Comment 2 Comment 2, ththe previous aiser provia consistent approato managing their relationship, least likely influenceYang to inclu behaviorfinanin the IPS. Sloan’s Comment 1 thhis previous aiser wsolely focuseon outperforming the S P 500 anComment 3 thhis previous aiser not unrstanng him or his financiobjectives is whleYang to inclu behaviorfactors in the IPS. Inclung these maiin client retention factors other thinvestment results mconsirewhen clients seek new aisers. Practitioners mlose clients because clients not feel though their aisers unrstanthem anor their financiobjectives. The primary benefit behaviorfinanoffers is the ability to velop a stronger bonbetween clients anaisers. The aiser chelp the client better unrstanwhy a portfolio is signethe wit is anwhy it is appropriate for him, regaress of whhappens y-to-y in the markets. 这个是考察那个知识点

2023-01-02 15:30 1 · 回答

NO.PZ2022052301000002 问题如下 Owen anYang have lunwith RicharSloan, a new client, to scuss his Investment PoliStatement (IPS). Upon returning to the office, Yang writes up the following notes from their meeting aninclu Sloan’s comments regarng why he hcito change investment aisers:• Comment 1 Previous aiser solely focuseon outperforming the S P 500.• Comment 2 Previous aiser provia consistent approato managing their relationship.• Comment 3 Previous aiser not unrstanhim or his financiobjectives.Given Sloan’s comments, Yang believes incorporating behaviorfinaninto his IPS will help to enhanthe firm’s relationship with him.Whiof Sloan’s comments from the lunmeeting least likely influenceYang tha stronger boncoulvelope anto therefore inclu behaviorfinanin his IPS? A.Comment 3 B.Comment 1 C.Comment 2 Comment 2, ththe previous aiser provia consistent approato managing their relationship, least likely influenceYang to inclu behaviorfinanin the IPS. Sloan’s Comment 1 thhis previous aiser wsolely focuseon outperforming the S P 500 anComment 3 thhis previous aiser not unrstanng him or his financiobjectives is whleYang to inclu behaviorfactors in the IPS. Inclung these maiin client retention factors other thinvestment results mconsirewhen clients seek new aisers. Practitioners mlose clients because clients not feel though their aisers unrstanthem anor their financiobjectives. The primary benefit behaviorfinanoffers is the ability to velop a stronger bonbetween clients anaisers. The aiser chelp the client better unrstanwhy a portfolio is signethe wit is anwhy it is appropriate for him, regaress of whhappens y-to-y in the markets. 整个题目跟a stronger boncoulvelope啥关系?

2022-12-04 17:13 1 · 回答

NO.PZ2022052301000002问题如下 Owen anYang have lunwith RicharSloan, a new client, to scuss his Investment PoliStatement (IPS). Upon returning to the office, Yang writes up the following notes from their meeting aninclu Sloan’s comments regarng why he hcito change investment aisers:• Comment 1 Previous aiser solely focuseon outperforming the S P 500.• Comment 2 Previous aiser provia consistent approato managing their relationship.• Comment 3 Previous aiser not unrstanhim or his financiobjectives.Given Sloan’s comments, Yang believes incorporating behaviorfinaninto his IPS will help to enhanthe firm’s relationship with him.Whiof Sloan’s comments from the lunmeeting least likely influenceYang tha stronger boncoulvelope anto therefore inclu behaviorfinanin his IPS? A.Comment 3B.Comment 1C.Comment 2 Comment 2, ththe previous aiser provia consistent approato managing their relationship, least likely influenceYang to inclu behaviorfinanin the IPS. Sloan’s Comment 1 thhis previous aiser wsolely focuseon outperforming the S P 500 anComment 3 thhis previous aiser not unrstanng him or his financiobjectives is whleYang to inclu behaviorfactors in the IPS. Inclung these maiin client retention factors other thinvestment results mconsirewhen clients seek new aisers. Practitioners mlose clients because clients not feel though their aisers unrstanthem anor their financiobjectives. The primary benefit behaviorfinanoffers is the ability to velop a stronger bonbetween clients anaisers. The aiser chelp the client better unrstanwhy a portfolio is signethe wit is anwhy it is appropriate for him, regaress of whhappens y-to-y in the markets. 老师请问,A stronger boncoulvelope这句话是指换顾问?

2022-08-17 23:20 1 · 回答

NO.PZ2022052301000002 问题如下 Owen anYang have lunwith RicharSloan, a new client, to scuss his Investment PoliStatement (IPS). Upon returning to the office, Yang writes up the following notes from their meeting aninclu Sloan’s comments regarng why he hcito change investment aisers:• Comment 1 Previous aiser solely focuseon outperforming the S P 500.• Comment 2 Previous aiser provia consistent approato managing their relationship.• Comment 3 Previous aiser not unrstanhim or his financiobjectives.Given Sloan’s comments, Yang believes incorporating behaviorfinaninto his IPS will help to enhanthe firm’s relationship with him.Whiof Sloan’s comments from the lunmeeting least likely influenceYang tha stronger boncoulvelope anto therefore inclu behaviorfinanin his IPS? A.Comment 3 B.Comment 1 C.Comment 2 Comment 2, ththe previous aiser provia consistent approato managing their relationship, least likely influenceYang to inclu behaviorfinanin the IPS. Sloan’s Comment 1 thhis previous aiser wsolely focuseon outperforming the S P 500 anComment 3 thhis previous aiser not unrstanng him or his financiobjectives is whleYang to inclu behaviorfactors in the IPS. Inclung these maiin client retention factors other thinvestment results mconsirewhen clients seek new aisers. Practitioners mlose clients because clients not feel though their aisers unrstanthem anor their financiobjectives. The primary benefit behaviorfinanoffers is the ability to velop a stronger bonbetween clients anaisers. The aiser chelp the client better unrstanwhy a portfolio is signethe wit is anwhy it is appropriate for him, regaress of whhappens y-to-y in the markets. 为什么说观点2不包含在IPS里面?

2022-06-25 23:47 4 · 回答