徐同學(xué)
2023-07-17 22:11那為啥不能選c呢
所屬：CFA Level III > Private Wealth Management 視頻位置 相關(guān)試題
來(lái)源： 視頻位置 相關(guān)試題
1個(gè)回答
Johnny助教
2023-07-20 16:34
該回答已被題主采納
同學(xué)你好，這題問(wèn)的是金融資產(chǎn)該如何做配置
human capital是比較類似債券的，如果是比較年輕的夫妻那么是可以增加風(fēng)險(xiǎn)資產(chǎn)投資的。
教材原文如下：For most households, human capital is a bond-like asset that returns a relatively stable
income over time. This fact increases the optimal allocation to risky assets within the investment portfolio for younger households. For a newly retired couple, the value of human capital declines relative to the value of the investment portfolio. To balance the total risk of the older household's portfolio, investment
portfolio risk should be reduced because investment assets are a larger share of the economic balance sheet
對(duì)于年輕的夫婦而言，他們的human capital就類似債券，提供穩(wěn)定的年收入，他們的human capital相對(duì)于金融資本而言是寬裕的，那可以在financial capital中調(diào)高風(fēng)險(xiǎn)資產(chǎn)的比重。而對(duì)于剛退休的夫婦而言，他們的人力資本相對(duì)于其金融資本而言就會(huì)變少，此時(shí)他們需要降低風(fēng)險(xiǎn)資產(chǎn)的投資。
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