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wendysakura · 2019年11月11日

问一道题:NO.PZ2018091705000062

问题如下:

Hill refers his friend, Richard Morrison, the former CEO of Masury Bridge and Iron (MBI), to Keller to discuss his wealth goals.

Keller realizes that the Morrisons’ decision making is influenced by psychological considerations and decides to use a goal-based planning approach. Keller constructs the table below to simplify the discussion at their next scheduled meeting.

TableMorrison Family Wealth Distribution

Determine if the current wealth distribution is consistent with the Morrisons’ stated key objective. Justify your response.

选项:

解释:

The Morrisons’ current distribution of wealth is inconsistent with their stated objective of maintaining their current standard of living. The Morrison family portfolio has 90% of their wealth allocated to MBI stock, which falls into the high risk/high return aspirational risk bucket, and only 10% allocated to the personal risk and market risk buckets. A significantly greater allocation to the personal risk and market risk buckets combined with diversification of the single asset concentration (MBI) would be consistent with the stated goal of maintaining their current standard of living into retirement.

老师,请问这道题的MBI股票指的是什么类型的股票?我记得讲义里相对有二级市场流通性质的股票和bond不是应该在market risk bucket吗?谢谢

1 个答案

包包_品职助教 · 2019年11月11日

同学你好,有二级市场流通性质的股票和bond应该在market risk bucket,这个是对的,但是market risk bucket的这个股票是我们做金融投资的买卖股票,比如我们炒股买卖的股票

而这道题目里面的MBI,是这个人作为CEO所拥有的对这家公司所拥有的股权,一方面这不是金融投资买来的股票,另一方面这个资产是属于•Concentrated stock positions,并且他又不能随意买卖的,所以不属于market risk bucket。你再看下讲义上这个分类哈