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Jensen · 2023年05月11日

选项2怎么理解？

  1. CFA III
  2. Behavioral Finance

NO.PZ2018091702000043

问题如下：

Perez made three statements about traditional risk tolerance questionnaire.

Statement 1: Risk tolerance questionnaires may work better as a diagnostic tool for institutional investors.

Statement 2: Risk tolerance questionnaires may fail emotionally biased individuals.

Statement 3: Risk tolerance questionnaires is most likely to be effective as a diagnostic tool for cognitive-based individuals.

How many statements are correct?

选项：

A.

1

B.

2

C.

3

解释：

All three statements are correct.

Risk tolerance questionnaires may fail for emotionally biased individuals and work best for institutional investors, and they are generally effective for cognitive-based individuals.

选项2怎么理解，fail这这里指什么

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1 个答案

王琛_品职助教 · 2023年05月12日

嗨，从没放弃的小努力你好：


1

选项 B 说：风险容忍度调查表，对于 emotionally biased 投资者，可能不适用

说法是正确的，因为对于风险的感知和分析，emotionally biased 投资者倾向感觉，而 cognitive-based 投资者倾向于理性分析

鉴于风险容忍度调查表的目的，是为了分析得出投资者对风险的承受能力，所以对 cognitive-based 投资者更适合，测出来的结果更准

2

比如咱们的银行、证券、基金账户等，都需要我们填写风险承受能力调查问卷

其中一定有个问题，是问我们，如果为了获取一定的收益，所能承受的最大回撤是多少

但是对于 emotionally biased 投资者，对于数据的理解可能存在差异，填表时可能认为自己能接受 -30%

但实际持仓时，可能连浮亏 -10% 都觉得天已经塌下来了，受不了了，所以得出的风险容忍度结果可能不准，所以可能会不适用 may fail 

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