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Ivana 🍭 · 2023年04月14日

请问为什么focus on 长期的投资,就认为是high willing?

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:

Solution

B 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?

1 个答案

pzqa27 · 2023年04月14日

嗨,努力学习的PZer你好:


因为长期投资的东西流动性不会是特别好,比如PE,VC之类的,投资期会是很久,因此要比短期投资多承担一个流动性风险,所以认为是high willing

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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