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NO.PZ201604030300004402

问题如下：

2. When recommending Brown convert to a PlusAccount, does Klein violate any CFA Institute Standards?

选项：

No.

Yes, relating to suitability.

Yes, relating to reasonable basis.

解释：

A is correct.

Klein does not violate CFA Standards when recommending a PlusAccount to Brown. His actions comply with Standard III(A) —Loyalty, Prudence, and Care; Standard III(C) —Suitability; and Standard V(A) —Diligence and Reasonable Basis. As required, he discloses the fee structure. Based on the fee structure and Brown’s annual commissions, the PlusAccount appears to be a suitable investment vehicle. By converting to PlusAccount status, Brown will incur an annual fee of $5,750 and save approximately $6,400 in annual brokerage commissions. The potential savings of approximately $650 provides a reasonable basis for recommending PlusAccount status.

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嗨，从没放弃的小努力你好：

对应案例背景：

Klein routinely informs clients about the benefits of PlusAccount status and presents them with all the disclosure materials. Another client Klein encourages to open a PlusAccount is Lee Brown. Brown has accumulated stock holdings of $300,000 and trades equities almost daily.

His annual commissions for the previous twelve months equal $9,100. His portfolio is well-diversified. He has a high risk tolerance and prefers growth stocks. After explaining the fee structure, Klein tells Brown "The PlusAccount is ideal for an active trader like you."

这里的案例背景概括下来是：

1、持有价值30万美元的股票，且几乎每天都进行股票交易，过去12个月的年度佣金达到了9100美元；

2、投资组合多元化程度高；

3、风险承受能力较高，偏好成长型股票。

Klein向Brown仔细解释了PlusAccount的费用结构，让Brown充分了解了账户的收费情况，这意味着Klein在推荐过程中充分考虑了客户的利益，尽力为客户提供全面的信息，符合Standard III(A) —Loyalty, Prudence, and Care；根据PlusAccount的费用结构，转换后Brown每年相比之前的佣金可以节省，这种节省与Brown的频繁交易模式相匹配，符合Standard III(C) —Suitability；Klein在推荐时考虑了Brown的交易频率和PlusAccount的费用结构，他是有合理的依据认为PlusAccount对Brown是合适的，这个过程，可以看出来Klein的推荐是经过合理思考和分析的，也符合Standard V(A) —Diligence and Reasonable Basis。所以Brown没有违反任何的CFA准则。

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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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