We are all very different, and moreover, unique. If we consider a person from the point of view of his finances, then we differ from each other in a very large set of parameters.
For example, a professional investment advisor should pay attention to the following characteristics of his client:
the goals set by the investor, their approximate cost, the desired time frame for achieving goals, priorities in setting goals
investor's attitude to risks, willingness to invest in risky assets, patiently endure falling asset values and losses on certain parts of the portfolio
time horizons on which the investor is ready to place funds
level of professionalism, experience, understanding of financial markets
availability of time that the investor is ready to devote to the investment process
the investor's assets already in the portfolio, their characteristics
the investor's liabilities, obligations to other people, both official (outstanding loans) and informal (ensuring the old age of parents, education of children)
the need to coordinate their actions with other people - spouse, children, parents, etc.
age, time to retirement, health status and health care costs
the size of personal capital (some investments have a high entry threshold)
investor's personal preferences
And many other criteria. As you can see, there are many of them and they are very diverse.
Some of these unique features of an investor can be formalized. For example, ask the investor to clearly articulate their investment goals, as well as set the time horizons through which the investor wants to achieve their goals. You can offer an investor to take a risk attitude test and make assumptions about his investment temperament.
More here - https://en.wikipedia.org/wiki/Investor
Comentários