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ROOT · 2023年04月10日

请老师帮忙解答一下

NO.PZ2022081802000081

问题如下:

Caitríona Daosri is a portfolio manager for an international bank, where she advises high-net-worth clients. Daosri is meeting with a new client, Estêvão Kai, a 40-year-old surgeon with €4 million across various accounts and a salary of €500,000 per annum. Kai explains to Daosri that he has four accounts at four different banks, each with specific sources and uses of funds, as shown in the following table:


Which strategy should Daosri use or recommend to Kai?

选项:

A.Keep written records of investment decisions.

B.Ask questions such as, “Is the decision the result of focusing on a net gain or net loss position?”

C.Aggregate all accounts and portfolios into a single spreadsheet.

解释:

Solution

C is correct. Aggregating mental accounts is a logical strategy to combat mental accounting. It is the opposite of disaggregating money into separate accounts.

这道题怎么看出是考心理账户这个知识点?A&B为何是错误的?

1 个答案
已采纳答案

pzqa27 · 2023年04月10日

嗨,努力学习的PZer你好:


根据题目的表格,这个人把账户分成4个根据不同的用途,这个就是心理账户的表现,人们会根据钱的不同用途来建立账户。对于心理账户,它最大的缺点就是各个账户可能分散性比较好,但是合在一起就不行了,因此需要集中来看看总风险,选C,A和B都不是针对心理账户的改进,A看起来像是对overconfidence的改进

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