NO.PZ2018070201000126
问题如下:
In order to write an investment policy statement (IPS) for a client, the manager collected the following information:
- In each of the past ten years, the client's income was more than $180,000(before tax).
- She has no dependents.
- Her life needs are about $45,000 a year.
- She was anxious about the lack of understanding in the securities market.
- Her current savings are invested in short-term securities secured by government.
- According to the standard risk assessment questionnaire, she has low risk tolerance.
Which conclusion is most correct?
选项:
A.She has low ability to take risk, but a high willingness to take risk.
B.She has high ability to take risk, but a low willingness to take risk.
C.She has high ability to take risk and a high willingness to take risk.
解释:
B is correct.
The client has stable, high income and no family. However, her investments were mainly the short-term securities and she has very limited investment understanding, which indicates a low willingness to take risks. Therefor, her ability to take risks is very high, but her willingness to take risks is very low.
- 这里是不是说她过去十年 税前才18w,但是每一年花费就要4w5.不够呀
- In each of the past ten years, the client's income was more than $180,000(before tax).
- She has no dependents.
- Her life needs are about $45,000 a year.