The risk preference test table can help investors accurately test their risk tolerance, investment philosophy, investment personality, etc. It is an important preparation for investors before investing in financial management.
The following questions are designed by the financial planner according to the customer's risk preference, risk tolerance and investment philosophy.
1. You buy an investment, and after one month, the total value drops 15%. Assuming that any other basic elements of investment have not changed, you will (? )
(a) Waiting for the investment to return to its original value.
(b) sell it, lest it continue to fall in price in the future and you can't sleep at night.
(c) Buy more, because if you think buying at the original price is a good decision, it should look better now.
2. You bought an investment, and it soared 40% a month later. Suppose you can't find more relevant information, you will (? )
(1) sell it.
(b) Continue to hold it and expect more income in the future.
(c) Buy more, and maybe it will go up even higher.
3. Which of the following would you rather do?
(a) Radical growth funds, where investment will not increase significantly in the next six months.
(b) Invest in money market funds, but the next six months will see the growth of radical growth funds double.
4. Which of the following options do you think is the best?
Your stock investment has doubled.
(b) You invested in the fund, thus avoiding the loss of half of your investment due to the market decline.
5. Which of the following things will make you happiest?
You won 100000 yuan in the newspaper competition.
You inherited 100000 yuan from a rich relative.
(c) You took the risk, and the 2000 yuan option you invested brought 100000 yuan.
(d) Any of the above-you are satisfied with the income of 100000 yuan, no matter through what channels.
6. The apartment you are living in is about to be transformed into a serviced apartment. You can buy your current residence for 80,000 yuan, or you can sell the right to buy a house for 20,000 yuan. The market price of your remodeled house is 120000 yuan. You know, if you buy it, it may take at least half a year to sell it, and the maintenance fee for one month is 1200 yuan. Moreover, if you want to buy, you must mortgage the bank and pay the down payment. What would you do if you didn't want to live here?
(1) The right to sell the house for 20,000 yuan.
? Buy the house before you sell it.
7. You inherited your uncle's house worth 100000 yuan, and you have paid off all the mortgage loans. Although the house is in a fashionable community, the expected appreciation level is higher than the inflation rate, but it is very shabby now. At present, the house is being rented, and the monthly rental income is 1000 yuan. But if the house is renovated, the rent can be 1500 yuan. The decoration fee can be mortgaged with the house, so you just (? )
(1) selling a house.
? (b) Maintain the existing lease.
? (c) Rental after renovation.
8. You work for a small emerging private electronics company. The company raises money by selling shares to its employees. The management plans to list the company, but it will take at least four years. If you buy shares, your shares can only be sold after the company's shares are publicly traded. At the same time, stocks do not pay dividends. Once the company goes public, shares will be traded at 10-20 times your purchase price. How much will you invest?
(a) Don't buy any stocks.
(b) One month's salary.
Three months' salary.
Six months' salary.
9. Your old neighbor is an experienced petroleum geologist. He is organizing a group of investors, including himself, to raise money for developing an oil well. If the oil well is successful, it will bring 50- 100 times the investment income; If it fails, all the investments will be worthless. Your neighbor estimates that the probability of success is 20%. How much will you invest?
0 .
(b) One month's salary.
Three months' salary.
Six months' salary.
10. You know that several real estate developers are actively paying attention to an undeveloped land in a certain area. You now have the opportunity to buy some options on this land. The option price is your salary for 2 months, and your estimated income is 10 month's salary. What would you do?
(a) purchase the option.
(b) Let it go-you think it's none of your business.
1 1. In the TV competition, you have the following choices, which one would you choose?
(1) Cash 1000 yuan.
(b) There is a 50% chance of getting 4000 yuan.
(c) There is a 20% chance to get 10000 yuan.
(d) There is a 5% chance to get 100000 yuan.
12. Assuming that the inflation rate is very high now, hard-link assets (such as rare metals, collectibles and real estate) are expected to rise in step with the inflation rate. All your current investments are long-term bonds. What would you do?
(1) Continue to hold bonds.
(b) Sell half of the bonds, invest half of the funds in funds and invest the other half in hard-wired assets.
(c) Selling bonds and investing all funds in hard-wired assets.
(d) Selling bonds, investing all funds in hard-wired assets and borrowing money to buy more hard-wired assets.
13. You lost 500 yuan in a gambling game. How much money are you going to turn in order to win 500 yuan?
(A) No, you give up now.
100 yuan.
500 yuan.
(d) Overtake 500 yuan.
1.(a) 3 (b) 1 (c) 4
2. 1 (b) 3 (c) 4
3. 1 (b) 3
4.(a) 2 (b) 1
5.(a) 2 (b) 1 (c) 4 (d) 1
6. 1 (b) 2
7. 1 (b) 2 (c) 3
8. 1 (b)2 (c) 4 (d) 6
9. 1 (b) 3 (c) 6 (d) 9
10.(a) 3 (b) 1
1 1. 1 (b) 3 (c) 5 (d) 9
12. 1 (b) 2 (c) 3 (d) 4
13. 1 (b) 2 (c) 4 (d) 6 (e) 8
Score reference: below 2 1, risk averse; 2 1-35, risk neutral; Above 35 points, risk preference.
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