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mino酱是个小破货 · 2025年02月05日

烦请老师帮忙看下是否可以这么回答,谢谢老师

NO.PZ2024101802000014

问题如下:

A 40-year-old individual investor meets with a financial advisor and discusses two specific goals: university education for her two children (ages 6 and 8) and her retirement at age 60. She is very specific with her advisor that her children have the financial means to attend a top-tier private university. On the other hand, she is willing to accept a wide range of acceptable income levels during her retirement. Evaluate this investor’s risk tolerance with respect to the two investment objectives discussed with the adviser.

选项:

解释:

This investor is more likely to have lower risk tolerance with respect to meeting the goal of funding her children’s future education expenses. Because she has a very specific type of institution in mind, her tolerance for not meeting this objective is likely low. On the other hand, she seems to be willing to accept a wide range of possible income levels in retirement, so her risk tolerance is likely to be high for this objective.

This investor’s risk tolerance of university education is low and risk tolerance of retirement is high .Since she is very specific with her advisor that her children have the financial means to attend a top-tier private university. And she is willing to willing to accept a wide range of acceptable income levels during her retirement.So her children education is more priority than retirement.

1 个答案

费费_品职助教 · 2025年02月06日

嗨,爱思考的PZer你好:


答案没问题

risk tolerance从意愿和能力两个方面来综合判断,意愿一般取决于客户的表述,比如这道题目中客户说可以接受任何水平的退休生活、无路如何要上好学校。

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