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小跳跳 · 2019年11月19日

问一道题:NO.PZ2018091702000014

问题如下:

There are three clients with different characteristics:

(1) Eve is a40 years old chemist anda passive investor who wants her portfolio return to be stable and safe. She has low risk tolerance and wonders if it is appropriate to invest a largeposition of money in employee stock option.

(2 )Flora is a 42 years old banker who largely uses leverage in investment and consumes with credit cards. She directly invests in three or four stocks, and shows strong confidence after she reads positive articles about these stocks in local newspaper.

(3) Jessie is a 66 years old high net-worth investor. She founded a successful manufacturing company, which is now managed by her son. Her primary goal is to maintain the real values of her assets and support her living expenses. Jessie worries about the market volatiles and regularly seeks for advice.

As a financial consultant of these clients, you are least likely to:

选项:

A.

ask Eve to diversify her investment portfolio rather than focus on her employer’s stocks.

B.

discuss with Flora to improve her investment decision-making process.

C.

give Jessie the detailed financial indicators such as PE ratio and risk-adjusted returns.

解释:

C is correct.

考点客户类型和特征

解析Jessie只要求维持现有资产而非追求收益担心变化且偏emotional bias,这些特征说明她是passive preserver对于这一类型的客户无需提供详细的指标分析因为知道得越多她反而越紧张用通俗易懂的语言获得Jessie的信任然后提供投资建议更适合

为什么选C? C选项的人很愿意听建议

1 个答案

企鹅_品职助教 · 2019年11月20日

文中关于Jessie的描写是这样的:Jessie是一位66岁的高净值投资者。 她创立了一家成功的制造公司,现在由她的儿子管理。 她的主要目标是维持资产的实际价值并支持生活费用。这说明Jessie是PP类别,这种类型的人很容易担心和焦虑,如果提供一大堆她不懂的专业名词她就更焦虑了。因此,对于这种人投资经理要多提供big picture,容易理解的大方向的建议,而不是细节。

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