在一家初创公司工作……这风险还不大吗？

问题如下：

Which of the following investments would be most appropriate for Sili during the beginning years of her career?

选项：

Technology equity funds

Lower-risk equity funds and fixed-income funds

Fixed-income funds

解释：

The correct answer is B. In her early career stage, the value of Sili's human capital is significant, and she plans to begin building financial capital. Her option position in her employer's stock creates an undiversified equity position, and her early-career stage in a high-income job suggests that she would benefit from additional equity exposure as long as it provides diversification relative to her employer's stock. Because of the start-up nature of her new employer, her compensation is riskier, implying that she may benefit from some fixed-income exposure. A is incorrect because this investment would ensure that Sili's financial capital is quite high risk, thus not providing much diversification to her employment compensation. C is incorrect because of her early career stage. The diversification benefit of fixed-income investments ignores the potential for adding some additional equity exposure, as the value of her human capital is very high and she is able to take reasonable amounts of investment risk.