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LLP210 · 2025年04月17日

这句话怎么理解?

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.

She is very specific with her advisor that her children have the financial means to attend a top-tier private university

老师这句话怎么翻译呢?我读完还以为,是说她小孩会有办法来读私立大学。所以认为risk tolerance比较高。

1 个答案

费费_品职助教 · 2025年04月17日

嗨,从没放弃的小努力你好:


同学你好

这句话是说:她非常明确地告诉她的顾问,她的孩子们有经济能力上一流的私立大学。

risk tolerance比较高是指客户比较能够接受自己的目标无法达成,比如这道题里的她能够接受退休后广泛的可能收入水平范围,收入高一点低一点都无所谓。

risk tolerance 比较低 是指客户不太能接受【目标失败】,比如这道题,意思是孩子无论如何得上一流大学,必须付得起学费,所以投资不能失败

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