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如何判断是passive investor？

NO.PZ2018091702000023

问题如下：

Sophia is a senior manager of a plastic manufacturing corporation, 60-year-old. She has an investment portfolio with $600,000, and 75% is invested in her employer’s stocks. She is cautious and worried about future stock market, therefore, she invests only in which she is familiar with. In her risk tolerance questionnaire, she expresses low risk tolerance and wants to maintain the current value of her assets.

The most effective way to advise Sophia would be:

选项：

show her details, such as how to choose stocks by volumes and trend.

report the underperformed and outperformed stocks regularly.

gain her trust and give "big picture" advice.

解释：

C is correct.

考点：识别投资者类型以及如何沟通

解析：Sophia属于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，获得Sophia的信任，然后提供一些宽泛的建议，告诉她如何实现目标,，是最有效的方法。

老师怎么从题干信息判断投资者 passive investor？是看自己开公司还是打工吗？就算是高级投资者也算打工仔，所以是passive investor吗？

嗨，努力学习的PZer你好：

区分投资者分类，主要的维度是：投资风格是主动还是被动，风险容忍度是低还是高，显示的主要偏差是 cognitive 还是 emotional

关于投资风格：PP：Passive

关于风险容忍度，PP：Low，“In her risk tolerance questionnaire, she expresses low risk tolerance”

关于主要偏差：PP：Emotional，“she invests only in which she is familiar with.” 我认为这句话可能是反应 Endowment Bias，因为这个偏差的其中之一的结果是 "Continue to hold classes of assets with which they are familiar"。Endowment Bias 是 emotional bias

另外，题干还提到 "She is cautious and worried about future stock market", 吻合 PP 的特点，即容易感到担忧和焦虑 "Some PPs are “worriers”"

综上，可以得出是 PP 哈

PP 和 FF 的区别，请参考：https://class.pzacademy.com/qa/69031

II 和 AA 的区别，请参考：https://class.pzacademy.com/qa/68619

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如何判断是passive investor？

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