B
首先将终身收入划分为人力资本和金融资本的说法很有意思，如此的搭配组合确实符合最优投资组合。另外有一点可能也是解释的这种组合的原因之一，就是，两者资本的基数量与生活预期质量。打个比方，偏债务型一个公务员如果想达到一个银行家的生活预期质量，由于其人力资本所获得的财富基数本来就很少，再采取保守型的债券投资，几乎无法满足；同样一个银行家的人力资本所得财富已经足够大了，即便采取保守的债券投资也一样可以获得满足其生活质量要求的受益。所以，两种投资的搭配还得具体分析。
B、偏债型人力资本
Put options contract in the portfolio can also perfectly hedge the risk, which is essentially the same idea as the diversity here. Risk, risk, that is all we are worrying about right now!
[Sorry, can not type Chinese in office...]
Zephyr15 发表于 2014-7-2 00:37
B、偏债型人力资本
Put options contract in the portfolio can also perfectly hedge the risk, which is ...
Correct one word, it was confusing...
Use options contract in the portfolio can also perfectly hedge the risk, which is essentially the same idea as the diversity here. Risk, risk, that is all we are worrying about right now!
[Sorry, can not type Chinese in office...]
扫码加好友，拉您进群
全部版块
我的主页
