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美国著名证券经纪公司给其客户的风险厌恶度调查，具有权威性，大家作做
1. Just 60days after you put money into an investment, it price falls 20%. Assuming none of the fundamentals have changed, what would you do?
a. sell to avoid further worry and try something else.
b. Do nothing and wait for the investment to come back.
c. Buy more. It was a good investment before; now it’s a cheap investment, too.
2. Now look at the previous question another way. Your investment fell 20%, but it’s part of a portfolio being used to meet investment goals with three different time horizons.
2A. What would you do if the goal were five years away?
a. sell
b. do nothing
c. buy more
2B. What would you do if the goal were 15 years away?
a. sell
b. do nothing
c. buy more
2C. What would you do if the goal were 30 years away?
a. sell
b. do nothing
c. buy more
3. The price of your retirement investment jumps 25% a month after you buy it. Again , the fundamentals haven’t changed. After you finish gloating, what do you do?
a. sell it, and lock in your gains
b. stay put and hope for more gains
c. buy more; it could go higher.
4. You’re investing for retirement, which is 15years away, which would you rather do?
a. Invest in a money-market fund or guaranteed investment contract, giving up the possibility of major gains, but virtually assuring the safety of your principal.
b. Invest in a 50-50 mix of bond funds and stock funds, in hopes of getting some growth, but also giving yourself some protection in the form of steady income.
c. Invest in aggressive growth mutual funds whose value will probably fluctate significantly during year, but have the potential for impressive gain over 5 or 10 years.
5. You just won a big prize! But which one? It’s up to you?
a. $2000 in cash
b. A 50% chance to win $5000
c. A 20% chance to win $15000
6. A good investment opportunity just come along. But you have to borrow money to get in. Would you take out a loan?
a. Definityly not
b. Perhaps
c. Yes
7. Your company is selling stock to its employees. In three years, management plans to take the company public, until then, you won’t be able to sell your shares and you will get no dividends. But your investment could multiply as much as 10 times when the company goes public. How much money would you invest?
a. None
b. Two month’s salary
c. For month’s salary
(a) answers___*1=___point
(b) answers___*2=___point
(c) answers___*3=___point
9-14 pints conservative investor
15-21 pints moderate investor
22-27 pints aggressive investor
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