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wendysakura · 2020年05月08日

问一道题:NO.PZ2018091702000017

问题如下:

Herman, 48 years old, is a musician.He is a passive investor who is careful in the investment. Herman overestimates his risk tolerance while shows a low risk tolerance, he exhibits framing bias, availability bias and conservative bias.

Fabian is a businessman and 46 years old. He has independent idea and investment with significant financial leverage. His investment portfolio is managed by himself, and almost 80% stocks are invested in financial sector. Fabian is confident about his investment and exhibits a high level of risk tolerance. He exhibits loss aversion bias, overconfidence bias and illusion of control bias.

Darcy is 65 years old, he has significant wealth because of a successful family business. Darcy is very cautious about the future and worries about his assets. He has low risk tolerance but will take advices from experts. Darcy exhibits status quo bias, regret-aversion bias and endowment bias.

Regarding three clients’ different characteristics, education works most effectively for:

选项:

A.

Fabian.

B.

Herman.

C.

Darcy.

解释:

B is correct.

考点财富水平与行为偏差对投资组合偏离程度的表格

解析Education对偏cognitive bias和财富水平低high SLR的投资者更有效在三人中除了Darcy的财富水平已知且属于高水平另两位未知因此我们只能从bias入手 Hermancognitive bias最明显最多所以B选项最合适

请问这道题如果从FF和PP的角度去看的话,PP和AA不是emotional的吗,而FF和II是cognitive的,这样的话Darcy是FF,所以应该是cognitive,所以应是可以被educate的呀。谢谢。

1 个答案

Olive_品职助教 · 2020年05月09日

嗨,爱思考的PZer你好:


如果题目没有告诉大家每个人具体的bias是什么,我们可以从PP、FF等角度来思考,这个理论总结出来了一些普遍规律。当我们不知道具体的bias的时候可以去套普遍规律,但是要知道普遍规律也不一定适用每一个人的,既然这道题都告诉大家每个人都是什么bias了,就直接看具体是cognitive还是emotional即可。


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