问题如下：
The most appropriate statement in regard to goals-based approaches to asset allocation is
选项：
A.
The principle of goals-based approaches is selecting portfolios that make efficient use of asset risk.
B.
A goals-based approach to asset allocation is appropriate for individual investors who focus on addressing goals.
C.
A goals-based approach to asset allocation chooses an asset allocation in relation to the objective of funding liabilities.
解释：
B is correct.
考点：Goals-based approaches
解析：A选项，在相同的资产风险下选择收益率最高的组合是asset-only approach的原则；C选项，根据负债的融资目标选择资产配置的方法是liability-driven approach。
B选项， goals-based approach适用于关注投资子目标的个人投资者和家庭，所以B选项正确。
请问C为啥错？是因为只有机构才会用到funding liabilities这个说法吗？ 谢谢
