这道题是不是不完整？

问题如下：

Tom and Jerry are husband and wife. Tom works in the computer industry and has a high but unstable income, mostly based on the company's performance. Jerry is a school teacher and has a low but stable income. Her employer provides her with a defined benefit pension, and her pension payments will adjust with inflation. They hope to make the best investment and should consider the nature of human capital when making asset allocation decisions. Tom asked his investment advisor Johnson how this would affect their relative allocation of stocks.

The most appropriate answer to Johnson's question about Tom and Jerry's relative allocation of stocks is that compared to Tom, Jerry's investment portfolio should have a ratio of:

选项：

A.

lower.

B.

the same.

C.

higher.

解释：

C is correct. The asset allocation decision of financial assets should consider the correlation between human capital and market returns. Tom is engaged in the computer industry where company performance is closely related, so his human capital is highly correlated with stock market returns. He should balance this risk by increasing exposure to less risky financial assets, such as high-level government bonds. The correlation between Jerry's human capital and stock market returns is relatively small; In addition, her future pension income from the defined benefit plan is quite stable. Her best investment portfolio should have a greater allocation to the stock market than Tom.

C是正确的。金融资产的资产配置决策应考虑人力资本与市场回报的相关性。Tom是一名从事公司绩效息息相关的计算机行业，因此他的人力资本与股市回报高度相关。他应该通过更多地接触风险较小的金融资产（即高级别政府债券）来平衡这种风险。Jerry的人力资本与股市回报的相关性较小；此外，她未来从固定收益计划中获得的养老金收入相当稳定。她的最佳投资组合应该比Tom对股市有更大的配置。