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濛濛熊 · 2020年01月25日

问一道题:NO.PZ201512181000005302

问题如下:

2. Do Benedetti’s two notes for Santalucia’s file describe the correct process for constructing an investment policy statement and for developing portfolio recommendations?

选项:

Note #1 on investment policy statement process
Note #2 on developing portfolio recommendations
A.
No
No
B.
Yes
No
C.
Yes
Yes

解释:

A is correct.

Neither note describes the correct process. The IPS process requires that members first identify and specify the investor’s objectives and constraints and then create the investment policy statement. Incorporating short-term economic trends into the policy statement is inappropriate. Only after the IPS has been created should members form capital market expectations and then create the strategic asset allocation. Using another client’s asset allocation from several years earlier is inappropriate because it does not include current capital market expectations.

考点:IPS

解析:第一句话,基于经济学家的短期预测写IPS是不正确的,IPS应当基于长期的、客户的自身情况“量身定制”。第二句话,采用其他客户的资产配置来给新客户投资建议是不正确的,每个客户都应该区别对待,根据客户情况制定IPS。

请问一下第二点里题目说用以前相似客户as a basis 怎么不对了?没有完全copy以前类似客户的,只是as a basis啊。谢谢

1 个答案

星星_品职助教 · 2020年02月03日

同学你好,

对于任何一个客户,都需要根据他的个人情况量身定制IPS。即使不是完全照搬,也不能“基于别的客户”。

从答案解析的角度,还有一点就是几年前客户的IPS是基于几年前的经济情况的,也不能用,需要用最新的资本市场预测用于选择投资的资产类别。