NO.PZ201511200300003102
问题如下：
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.”
C. 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.
是因为“ increase her level of spending”不属于consumption gap，consumption gap指的是客户退休之后不舍得花钱，才造成的gap是吗？
