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mashirolee · 2022年08月01日

memory errors 为什么属于 Cognitive error？

  1. CFA III
  2. Behavioral Finance

NO.PZ2022052301000019

问题如下：

Weaver explains that instead of basing its assumptions on idealized behavior, behavioral finance bases them on observed behavior. She recounts an instance when an elderly client asked her to realize losses in her portfolio to offset taxable realized gains. However, the very next day the same client called her in a panic to ask why her cash balance was so high.

What behavior has Weaver’s elderly client most likely exhibited?

选项：

A.

Emotional bias

B.

Behavioral Finance Macro (BFMA)

C.

Cognitive error

解释：

Behavioral biases can be categorized as either cognitive errors or emotional biases. Cognitive errors stem from basic statistical, information-processing, or memory errors and are considered to result from faulty thinking.

Weaver’s elderly client has exhibited a cognitive error: an information-processing or memory error regarding the losses that were taken to eliminate taxable realized gains which resulted in a higher than normal cash balance.

老师您好！


老师上课有讲到，如果能够被moderated，则属于cognitive error。但是这道题中客户由于年纪大了记忆力下降导致bias，这个应该是生理性的无法克服的现象，不太理解为何归类为cognitive error，恳请答疑解惑，谢谢！

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已采纳答案

王琛_品职助教 · 2022年08月02日

嗨，努力学习的PZer你好：


1

其实 memory errors 有很多种，不一定都是年纪大了导致的记忆力退化，也有其他形式

如果是记忆力的问题，也有很多可以改进的方式，比如也有很多老人通过不同的干预方式，可以改善记忆力，所以并非是完全无法克服

2

这道 MOCK 题不建议想的太多，具体的分析过程，及备考建议，也请参考：https://class.pzacademy.com/qa/103153

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就算太阳没有迎着我们而来，我们正在朝着它而去，加油！

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