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wendysakura · 2020年09月15日

问一道题:NO.PZ2018091702000014 [ CFA III ]

问题如下:

There are three clients with different characteristics:

(1) Eve is a40 years old chemist anda passive investor who wants her portfolio return to be stable and safe. She has low risk tolerance and wonders if it is appropriate to invest a largeposition of money in employee stock option.

(2 )Flora is a 42 years old banker who largely uses leverage in investment and consumes with credit cards. She directly invests in three or four stocks, and shows strong confidence after she reads positive articles about these stocks in local newspaper.

(3) Jessie is a 66 years old high net-worth investor. She founded a successful manufacturing company, which is now managed by her son. Her primary goal is to maintain the real values of her assets and support her living expenses. Jessie worries about the market volatiles and regularly seeks for advice.

As a financial consultant of these clients, you are least likely to:

选项:

A.

ask Eve to diversify her investment portfolio rather than focus on her employer’s stocks.

B.

discuss with Flora to improve her investment decision-making process.

C.

give Jessie the detailed financial indicators such as PE ratio and risk-adjusted returns.

解释:

C is correct.

考点客户类型和特征

解析Jessie只要求维持现有资产而非追求收益担心变化且偏emotional bias,这些特征说明她是passive preserver对于这一类型的客户无需提供详细的指标分析因为知道得越多她反而越紧张用通俗易懂的语言获得Jessie的信任然后提供投资建议更适合

请问Eve不也是pp的类型吗
1 个答案

王琛_品职助教 · 2020年09月16日

嗨,爱思考的PZer你好:


同学你好,

  • Eve 是 PP
  • 选项 A 的说法是正确的,Eve 是 low risk tolerance, 因此不应该把资产集中在公司的股票上,应该提高分散化才能降低风险,这个建议符合 low risk tolerance 的要求

-------------------------------
就算太阳没有迎着我们而来,我们正在朝着它而去,加油!


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