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扑扑扑 · 2020年10月01日

问一道题:NO.PZ2018070201000125

问题如下:

A manager gets below information about a client, which conclusion can he come to?

  • The total income of the client varies dramatically between $20,000 and $60,000 (after-tax) depending on the economic environment.
  • For two years in the past three years, the client's total income after tax is less than $20,000.
  • His son depends on his support for education with approximately $5,000 per year.
  • His own living expense is approximately $10,000 per year.
  • He has more than 12 years of investment experience, including stocks, commodity futures and derivatives.
  • According to the standard risk assessment questionnaire, he has above average risk tolerance.

选项:

A.

The client has low ability to take risk, but a high willingness to take risk.

B.

The client has high ability to take risk, but a low willingness to take risk.

C.

The client has low ability to take risk, and a low willingness to take risk.

解释:

A is correct.

The volatility of the client's income and the significant support for his son and his own need shows that his ability to take risk is very low.

The client's experience and his response to the risk assessment questionnaire indicates that he has higher willingness to take risk than average.

他的ability为什么是弱呢?就算只赚20000,也足以覆盖他的学费生活费了呀

1 个答案

丹丹_品职答疑助手 · 2020年10月02日

嗨,努力学习的PZer你好:


同学你好,并不是刚刚cover能力就高了,通过题干For two years in the past three years, the client's total income after tax is less than $20,000.,其收入不足2万美元,刚刚能够生活费和学费,所以其承担风险、进行投资的能力比较低。这样理解。

这个考点咱们三级也会进行,建议同学理解题目中的语言但不必纠结


-------------------------------
虽然现在很辛苦,但努力过的感觉真的很好,加油!


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