risk perception和risk tolerance的区别

问题如下：

Raphael’s comment regarding investment risk is most likely:

选项：

A.correct. B.incorrect regarding risk tolerance. C.incorrect regarding risk perception.

解释：

Solution

B is correct. The statement regarding risk tolerance is incorrect. Risk tolerance is the level of risk an individual is willing and able to bear and relates to one’s attitude toward risk. An individual’s overall risk tolerance is relatively stable and is not likely to vary with changing financial market conditions. Also, a client’s risk tolerance for individual goals may vary; they may have a low risk tolerance for near-term goals but a higher risk tolerance for longer-term goals.

A is incorrect. The statement regarding risk tolerance is incorrect. Risk tolerance is the level of risk an individual is willing and able to bear and relates to one’s attitude toward risk. Risk perception is the subjective assessment of the risk involved. Unlike risk tolerance, how a client perceives the riskiness of an investment depends on the circumstances. A wealth manager can help shape a client’s risk perception, but doing so will not increase the client’s risk tolerance.

C is incorrect. The statement regarding risk perception is correct. Risk perception is the subjective assessment of the risk involved, and how a client perceives the riskiness of an investment depends on the circumstances. A wealth manager can help shape a client’s risk perception.