这题主观题，我没有分点，这么答OK么？
ALM can pay more attention to the liability exposure and reduces the shortfall risk. Now ,Finnegan lost her job. However, she has a variable-rate mortgage on her home and intends to make a deposit of EUR3000 on a home for her physically disabled sister. As a investor with below-average risk tolerance, her primary objective is to cover her liquidity need rather than to get more profit. Under the situations above ,ALM is more suitable for her.
