问题如下：
Açor’s notes from her previous meeting with Njau indicate the following behavioral considerations related to Njau’s retirement planning:
■■ Njau would like to increase her level of spending if supported by investment projections.
■■ Although Njau could pay a lump sum and receive a series of fixed payments, she prefers not to lose control over her assets.
■■ Njau understands the risk–return relationship and is willing to accept some short- term losses to achieve long- term growth.
Based on Açor’s notes from her previous meeting with Njau, the behavioral consideration exhibited by Njau is most likely:
选项：
A.a consumption gap.
B.the “annuity puzzle.”
heightened loss aversion.
解释：
B is correct. The “annuity puzzle” describes the phenomenon that retirees tend to avoid annuity investments, which may be appropriate to best help them reach their financial goals. An annuity provides a series of fixed payments, either for life or for a specified period, in exchange for a lump sum payment. Njau’s reluctance to lose control over her assets by paying the lump sum in exchange for the fixed payments is one explanation for her reluctance, and she may also believe that an annuity would minimize the chance of a substantial improvement in her lifestyle.
Consumption gaps指的是退休人员实际的消费和预测的潜在的消费的差距。
Heightened loss aversion指的是退休的人会比年轻人在投资的时候有更严重的损失厌恶的心理特点。
B是指什么特点呢？
这个知识点强化班的课件在哪里？谢谢
