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Nimo. · 2024年04月01日

这道题没理解透

NO.PZ2023021601000052

问题如下:

Which of the following is most likely associated with an investor's ability to take risk rather than the investor's willingness to take risk? (mock)

选项:

A.The investor has a long investment time horizon.

B.Safety of principal is very important to the investor.

C.The investor believes earning excess returns on stocks is a matter of luck.

解释:

Investment time horizon is an objective factor that measures the investor's ability to take risk.

其实是因为在上课的时候我就在想,我愿意选择更长期或者更短期的投资(尤其是没有说明是投什么类型的产品的时候)也是可以印证我承受投资风险的意愿的呀。

选择长期的,很有可能回不来本金,说明我更愿意承担风险。

选择短期的,也有可能是抓住短期机会(比如套利),也说明我更愿意承担风险。

所以我还是不能理解为什么投资期的长短只是反映承担风险的能力,我觉得两者都有的。

1 个答案
已采纳答案

Kiko_品职助教 · 2024年04月02日

嗨,从没放弃的小努力你好:


不是的。投资期的长短,更多是反映投资能力的。

投资期长,代表我短期内可能不太需要这笔钱,所以即使亏损也不会影响到现在的财务状况。所以说明风险承受能力是更高的。而投资期短,代表对资产的流动性要求高,所以投资会有些限制,只能以保本微利为前提,承受不了太多亏损带来的影响,这说明风险承受能力更低。

你说的,选择长期说明我愿意,选择短期我可能是想抓住短期机会,这当然可以,如果风险承受能力强,我当然可以选择长期短期都可以,但是如果我短期需要这笔资金,我即使愿意承担风险,我也没办法投资长期,这首先体现了能力,有能力的前提下才能谈意愿。就好比,我有1000块,我可以选择吃一顿海鲜大餐,当然我如果愿意吃路边摊,我也可以选择。但这是我有能力的前提下,如果我只有10块钱,我也想吃大餐,可我只能吃路边摊,没有选择,这是能力的问题。

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