投资者特点

嗨，从没放弃的小努力你好：

1

这几道题目的考点，其实我们都在补录的讲义中有列出来哈

关于投资者分类，考点就是两类：一个是通过特点识别投资者具体分类，另一个是判断顾问的建议方式

我下面列出同学所谓的考点，同学会发现，就是讲义中列出的内容

2

关于 BIT，同学光看讲义和下面列出的考点是不够的

建议同学先听一下视频加餐中的视频，时间也不长，2 倍速 10 分钟就能听完

然后一定要做一下题目。我们已经是三级的考生了，对于被动学习知识点和主动学习做题之间的理解，应该已经深入人心啦

3

Passive Preserver (PP)

特点

place a great deal of emphasis on financial security and preserving wealth rather than taking risks to grow wealth

Some PPs are "worriers"

focused on taking care of family members and future generations, especially funding life-enhancing experiences such as education and home buying

顾问建议方式

1. PPs are more receptive to “big picture” advice that does not dwell on such details as standard deviations and Sharpe ratios, providing excessive cognitive detail will lose their attention

2. Advisers should focus on what the money will accomplish, such as family legacy goals, education, and so on. PPs need to be persuaded about the soundness of their adviser’s general philosophy first, and then, as trust is gained, PPs will respond to advice and take action

题目

课后题-R9-1，对应顾问建议方式 1

课后题-R9-10，对应顾问建议方式 2

4

Friendly Follower (FF)

特点

1. tend to follow leads from their friends, colleagues, or advisers when making investment decisions

2. want to be in the latest, most popular investments without regard to current market conditions or the suitability of the investment to the long-term goals

3. often overestimate their risk tolerance

4. often convince themselves that they “knew it all along” when an investment works out well, which increases future risk-taking behavior

顾问建议方式

Advisers need to be careful not to suggest too many “hot” ideas

Advisers should challenge FF clients to be introspective and provide data-backed support for recommendations

Offering education in clear, unambiguous ways

题目

课后题-R9-8，对应特点 1 和 2

课后题-R9-16，对应特点 1-3；顾问建议方式 2

课后题-R9-17，对应特点 1；顾问建议方式 2

5

Independent Individualist (II)

特点

strong-willed and an independent thinker

IIs are self-assured and “trust their gut” when making decisions

Of all behavioral investor types, IIs are the most likely to be contrarian, which can benefit them

顾问建议方式

IIs are usually willing to listen to sound advice when it is presented in a way thatrespects their intelligence

A good approach is to have regular educational discussions during client meetings

题目

暂无

6

Active Accumulator (AA)

特点

1. the most aggressive BITs, maybe the most difficult clients to advise

2. entrepreneurial and often the first generation to create wealth; and they are even more strong-willed and confident than IIs

3. Some AAs do not accept or follow basic investment principles such as diversification and asset allocation

4. often “hands on”, wanting to be heavily involved in the investment decision-making process

5. often have high portfolio turnover rates

顾问建议方式

The best approach to dealing with AAs is totake control of the situation

Advisers need to prove to the client that they have the ability to make wise, objective, and long-term decisions and can communicate these results in an effective way

题目

课后题-R9-18，对应特点 2, 4, 5

MOCK-2019-PM-9 (收录于经典题 R9 的 1.2 题)，对应特点 3

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努力的时光都是限量版，加油！