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小叶子11 · 2021年05月03日

关于个人IPS中的risk tolerance和risk perception

When the conversation moves to a discussion of investment risk, the Benettons state that they are moderately conservative and have invested a large portion of their assets in securities that have below-average volatility. Raphael responds with the following comment: “As your wealth manager, I can help you better understand and shape your perception of investment risk, which would then enable you to increase your risk tolerance.”

Q. Raphael’s comment regarding investment risk is most likely:

  1. correct.
  2. incorrect regarding risk tolerance.
  3. incorrect regarding risk perception.

答案选2.

可以帮解释下吗

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王暄_品职助教 · 2021年05月04日

因为risk tolerance更加偏主观一些,而体感结尾说到,wealth manager可以帮助investor increase risk tolerance,是错误的。无法该别别人的主观意识。

而针对risk perception是正确的,同学可以看下图基础班讲义:

由于perception是个人对风险的感知能力,而感知能力,wealth manager是可以帮助客户去shape的。其实就是“初生牛犊不怕虎”的意思,慢慢的就能改变,所以可以shape


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