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Hudy15 · 2021年11月08日

如何区别FF和II?

* 问题详情,请 查看题干

NO.PZ201511190100001001

问题如下:

Determine the BIT most likely to be assigned to Chan.(circle one)

Passive Preserver

Friendly Follower

Independent Individualist

Active Accumulator


Justify your response.

选项:

解释:

Friendly Follower.


Justify your response:

●Chan is most likely to be classified as a Friendly Follower (FF).

●Chan exhibits moderate risk tolerance.

●Chan tends to follow leads from her friends and advisor when making investment decisions.

●Chan complied with the professional investment advice backed by data-backed research reports, so she agreed with King’s recommendation to purchase Avimi shares.

●The FF can often overestimate his or her risk tolerance, as Chan did when she wanted King to invest in the high-risk small, local startup company.

●The FF may follow “hot” ideas and show availability bias, as Chan did when she wanted to King to buy shares of the small, local startup company.

Chan is most likely to be classified as a Friendly Follower. This type of passive investor exhibits moderate risk tolerance and tends to follow leads from his friends, colleagues, or advisors when making investment decisions. The FF generally complies with professional investment advice supported by data-backed research reports, and Chan agrees with King’s recommendation to invest in Avimi.

The FF often overestimates his or her risk tolerance, as Chan did when she suggested an investment in the small, local startup company, which King determined had a high level of risk. Chan sought to follow a “hot” investment idea and showed availability bias when she sought to own shares of the small, local startup company because she had learned of this investment idea from her friends.

  1. 请问如何可以区分FF和II?之前做到的题目中会比较明显地表达FF的risk tolerence 是low to medium,II的risk tolerence是怎样的?
  2. BITS每个分类的细节描述在基本班讲义里没有体现,请问这个知识点在考试中是否会出现?如果可能出现,还请老师帮忙补充一下这部分的知识点。


谢谢!

1 个答案

王琛_品职助教 · 2021年11月09日

嗨,爱思考的PZer你好:


1)之前做到的题目中会比较明显地表达FF的risk tolerence 是low to medium,II的risk tolerence是怎样的?

II 的 Risk tolerance 是 Medium to high

2)请问如何可以区分FF和II?

2.1

首先,BIT 共有四种分类:PP、FF、II、AA

如果我们采用「穷举」的方法,去理解记忆它们的区别,则需要掌握 6 种对比!分别是 PP 和 FF、PP 和 II、PP 和 AA、FF 和 II、FF 和 AA、II 和 AA

2.2

所以这里我们建议从「原理」出发

判断客户的投资者分类,先分别看三个主要的区分维度:客户的 Basic type、客户的风险容忍度、呈现的主要偏差;再看有没有描述其特点的关键词;有时还会结合顾问的建议方式

我用课后题第 1 题举例,请同学参考一下判断 FF 的分析思路,请参考:https://class.pzacademy.com/qa/82875

这道题是关于 BIT 的主观题,我理解考试时考这个知识点,客观题的概率更大,所以解析的参考答案,更多是帮我们梳理思路,即如果是客观题,我们应该从哪些角度出发去思考。解析的分析,请参考:https://class.pzacademy.com/qa/81755

之前同学问过的投资者分类之间的区别:

II 和 AA:https://class.pzacademy.com/qa/68619

PP 和 FF:https://class.pzacademy.com/qa/69031

3)BITS每个分类的细节描述在基本班讲义里没有体现,请问这个知识点在考试中是否会出现?如果可能出现,还请老师帮忙补充一下这部分的知识点。

这个知识点在考试中,是有可能出现的!我个人感觉以客观题考查的概率会更大一些,比如让我们判断客户的投资者分类,或者是选择正确的顾问建议方式

谢谢同学的建议;基于有问必答上同学的提问,以及我们对课程完善的评估,老师已经补录了 BIT 的知识点,重点介绍了每种投资者分类的特点及顾问建议方式,建议同学熟悉关键词,考试时就是基于关键词来分析的

因为担心同学们会错过补录的内容,所以专门放在了「视频加餐」中,请参考:

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

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