渣打調查:台灣投資人風險承受力低 港人 - 股票
By Caroline
at 2020-07-16T17:49
at 2020-07-16T17:49
Table of Contents
1.原文連結:
https://bit.ly/2Ws8lRf
※過長無法點擊者必須縮網址
2.原文內容:
渣打調查:台灣投資人風險承受力低 港人較熱衷投機
台股創近30年新高,其中生技類股暴漲暴跌,充分展現股市投機性質。但根據渣打集團調查
,多數台灣人屬於保守型投資者,風險承受能力較低,在面對市場波動時,也傾向取得專業
投資建議或指引等相關資訊,顯見敢在股市追高殺低的台灣投資人並不多。
渣打集團日前透過問卷調查結合行為金融學研究,分析1200位亞洲地區富裕族群的投資行為
與決策過程,並發布「投資者個性研究」報告。調查範圍涵蓋台灣、香港與新加坡三個市場
,並納入高資產、富裕族群與新興富裕族群等不同財富階段的投資者。
渣打集團表示,本次調查結合行為金融學分析,藉由9種投資行為與個性特徵,將投資者歸
類為保守型、安逸型與熱衷型3種。
從結果可看出,在地區與文化差異影響下,投資者行為與個性也有不同傾向,香港以熱衷型
投資者比例最高,佔40%;在新加坡,有47%的投資者偏向安逸型;而多數的台灣投資者則屬
於保守型,比例達44%。
渣打集團指出,保守型投資者往往對自身財務狀況感到滿意與知足,並認為金融投資成果主
要取決於能力,而非運氣;也因此,保守型投資者較少選擇容易波動的投資組合或投機行為
。在面臨市場波動的時候,保守型投資者習慣尋求清晰的投資或決策原則與指引。
相對地,安逸型投資者通常投資經驗較豐富,在動盪時期可保持相對冷靜並做出合理決定;
而熱衷型投資者在「投機」與「衝動」兩項個性特徵分數較高,即使面臨市場不確定性,這
類型投資者由於著眼於長期配置規劃,願意忍受短期波動。
然而,與歐洲地區投資者相比,亞洲投資者在「投機」的整體分數明顯較高。在歐洲,幾乎
所有投資者的「投機」分數皆偏低。此外,隨著資產階段不同,新興富裕族群、富裕族群及
高資產族群之間也存在對比,調查結果顯示,高資產族群投資者通常在「冷靜」方面分數較
高。
渣打集團指出,相較於傳統上以風險承受能力作為區分投資者類型的主要指標,透過個性特
徵能更全面理解投資者行為,以及投資者如何做出決策,尤其目前全球市場正經歷大幅度動
盪,投資者的情緒與壓力,有可能影響做出客觀決策的能力。(邱柏勝/台北報導)
3.心得/評論:
※必需填寫滿20字
台灣→保守型:不選高風險尋求清晰投資指引原則
新加坡→安逸型:投資經驗豐富冷靜做出判斷
香港→投機衝動著眼長期規劃
--
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