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nanaluo · 2022年12月02日

解释说的是什么意思呢?

NO.PZ2022052202000003

问题如下:

Caitríona Daosri is a portfolio manager for an international bank, where she advises high-net-worth clients. Daosri is meeting with a new client, Estêvão Kai, a 40-year-old surgeon with €4 million across various accounts and a salary of €500,000 per annum. Kai explains to Daosri that he has four accounts at four different banks, each with specific sources and uses of funds, as shown in the following table:


Based on the description of how Kai manages his finances as outlined in Exhibit 1, Kai most likely exhibits the behavioral bias of:

选项:

A.

endowment

B.

mental accounting

C.

framing

解释:

B is correct. Kai has segregated money into four different accounts based on the sources and uses of his funds. Although intuitively appealing, this approach is irrational because money is fungible across the four accounts. Nothing is stopping Kai from collapsing them into a single “account” with a holistic portfolio strategy.

解释说的是什么意思呢?

2 个答案

王琛_品职助教 · 2022年12月05日

嗨,爱思考的PZer你好:


Nothing is stopping Kai from collapsing them into a single “account” with a holistic portfolio strategy.这句怎么理解呢?

我理解这句话是想说心理账户偏差的克服方法

即把四个账户放到一起,当成一个整体去看待,了解每个账户到底投了哪些底层资产,每个底层资产投了多少权重

用一个整体的投资组合的观点去看待他的总资产,而不是放到四个不同的账户中,每个账户做不同的用途

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努力的时光都是限量版,加油!

王琛_品职助教 · 2022年12月05日

嗨,从没放弃的小努力你好:


解析是为了说明,为何 Kai 有心理账户偏差

因为同样是钱,Kai 会根据资金的来源或者用途,分配到不同的银行账户

工资收入,用于日常开销

奖金,用于慈善

投资组合的利息收入,用于退休基金

投资组合的股利收入,用于母亲的日常开销

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努力的时光都是限量版,加油!

nanaluo · 2022年12月05日

Nothing is stopping Kai from collapsing them into a single “account” with a holistic portfolio strategy.这句怎么理解呢?

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