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pepperhyp · 2019年12月11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

可不可以理解为Jessie因为是自己创造企业所以是regret-version,偏emotional,所以提供一些建议是没有用的

1 个答案
已采纳答案

企鹅_品职助教 · 2019年12月12日

嗨,爱思考的PZer你好:


不是这样考虑的。像基金经理怎么对待客户的这种问题要判断客户属于哪种类型,AA,II,FF还是PP。

Jessie现在已经把公司给了自己的儿子,主要目标是位子自己的生活水平,经常感到焦虑和担忧。这些都说明她是PP。对待PP要给big picture的建议,不能给细节,不然她听到一大堆自己不懂得专业词汇就更焦虑了。

因此,C 说要给Jessie提供具体的ratio和return是错误的,如果给她的是大方向的建议就是正确的。


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