No.PZ2015121801000126 (选择题)如何判断投资者收入高呢？不是说至少5million美元才算高吗

问题如下：

After interviewing a client in order to prepare a written investment policy statement (IPS), you have established the following:

• The client has earnings that have exceeded €120,000 (pre-tax) each year for the past five years.

• She has no dependents.

• The client’s subsistence needs are approximately €45,000 per year.

• The client states that she feels uncomfortable with her lack of understanding of securities markets.

• All of the client’s current savings are invested in short-term securities guaranteed by an agency of her national government.

• The client’s responses to a standard risk assessment questionnaire suggest she has low risk tolerance.

The client is best described as having a:

选项：

A.

low ability to take risk, but a high willingness to take risk.

B.

high ability to take risk, but a low willingness to take risk.

C.

high ability to take risk and a high willingness to take risk.

解释：

B  is correct.

On the one hand, the client has a stable, high income and no dependents. On the other hand, she exhibits above average risk aversion. Her ability to take risk is high, but her willingness to take risk is low.