NO.PZ2022081802000073
问题如下:
Question
A financial adviser gathers the following information about a new client:
The client is a successful economics professor at a major university.
The client plans to work full time for seven years and then will work part time for three years before retiring.
The client owns two homes and does not have any outstanding debt.
The client has accumulated retirement savings of approximately $2 million through his employer’s retirement plan and will have anticipated retirement spending needs of $60,000 per year.
The client reads numerous financial publications and follows markets closely.
Although concerned about the current health of the global economy, the client maintains that he is a long-term investor.
Based on the above information, which of the following best describes this client?
选项:
A.High ability to take risk but a low willingness to take risk B.High ability to take risk and a high willingness to take risk C.Low ability to take risk but a high willingness to take risk解释:
SolutionB is correct. The client is in a strong financial situation (stable job, no debt), has a reasonably long time horizon before needing any liquidity (10 years), and reasonable retirement spending needs relative to total assets. These factors indicate a high ability to take risk. In addition, the client’s knowledge of financial markets, experience, and focus on the long term also indicate a high willingness to take risk.
A is incorrect because the client’s investing knowledge, experience, and focus on long-term investing indicate a willingness to withstand investment risk.
C is incorrect because the client has a high ability to withstand investment risk for the reasons identified above.
请问为什么focus on 长期的投资,就认为是high willing?