个人ips

2009 Q1: B(i) low ability to take risk :

1. Because Alexander does not participant any company or individual retirement plan(证据), so there are less cushion for them to protect against post-retirement expense （解释）
2. They have relative high expected annual expense of 125,000 as compare to after-tax pension income total of 80,000 (证据)，which means they need to withdraw money from the account if they need, so they have less ability to take risk (解释)

B(ii) Low willingness to take risk

1. Since Tracys currently have all their assets in inflation-indexed, short-team bonds(证据), they prefer to invest in relatively stable and inflation-hedged assets (解释), so they have low willingness to take risks
2. As stated in the case “Patricia prefers no losing money over making a high return”（证据） , which proves that this family is loss aversion and prefer to keep the asset safely.(解释) Thus, they have low willingness to take risks.

嗨，努力学习的PZer你好：

这分值都是协会定的，老师们是从严谨不被扣分的角度跟同学们说，答题要分成结论、证据、解释，这样无论分值如何分配都不会被扣分。所以同学暂时不用纠结协会如何分配分值的问题，按照李老师的要求，写出答案、证据、解释即可；大多是的时候，解释不用写的太啰嗦，简单有效就行。

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努力的时光都是限量版，加油！