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Menelaus · 2023年01月16日

risk perception和risk tolerance的区别

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NO.PZ202109080500000303

问题如下:

Raphael’s comment regarding investment risk is most likely:

选项:

A.correct. B.incorrect regarding risk tolerance. C.incorrect regarding risk perception.

解释:

Solution

B is correct. The statement regarding risk tolerance is incorrect. Risk tolerance is the level of risk an individual is willing and able to bear and relates to one’s attitude toward risk. An individual’s overall risk tolerance is relatively stable and is not likely to vary with changing financial market conditions. Also, a client’s risk tolerance for individual goals may vary; they may have a low risk tolerance for near-term goals but a higher risk tolerance for longer-term goals.

A is incorrect. The statement regarding risk tolerance is incorrect. Risk tolerance is the level of risk an individual is willing and able to bear and relates to one’s attitude toward risk. Risk perception is the subjective assessment of the risk involved. Unlike risk tolerance, how a client perceives the riskiness of an investment depends on the circumstances. A wealth manager can help shape a client’s risk perception, but doing so will not increase the client’s risk tolerance.

C is incorrect. The statement regarding risk perception is correct. Risk perception is the subjective assessment of the risk involved, and how a client perceives the riskiness of an investment depends on the circumstances. A wealth manager can help shape a client’s risk perception.

这道题不太理解,risk perception和risk tolerance都是主观的,如果投资者的risk tolerance不能被教育/被改变,那即使改变了投资者的risk perception又能对投资组合有什么影响呢?

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已采纳答案

王暄_品职助教 · 2023年01月16日

risk perception的意思是指我们对风险的主观认知,有时候,人们对风险的主观认知度不够,或者说不正确,那么manager可以通过教育的方式重新让投资者认知风险

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