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小米 · 2019年11月28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

关于这道题想到一个疑问,想问的细一点。就是Guardian 和Celebrity都是容易焦虑。对于这两者都是应该直接提供易理解的建议,而不要给过多信息,以免他们更焦虑对吗?还是说Guardian 给建议,Celebrity给信息呢?

1 个答案

企鹅_品职助教 · 2019年11月29日

嗨,努力学习的PZer你好:


书上对于Guardian和celebrity只有很简短的介绍,而且只介绍了这五种分类的特征,并没有说基金经理应该如何建议。但是在讲PP的时候,书上说了因为PP容易感到焦虑,所以应该提供大方向的建议而不是细节上的信息。

所以在Guardian和celebrity这里是不分哪种给建议哪种给信息的。

 


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