考研mti經(jīng)濟(jì)學(xué)人資料金融科技心理戰(zhàn)

1、考研考研MTIMTI經(jīng)濟(jì)學(xué)人資料金融科技心理戰(zhàn)經(jīng)濟(jì)學(xué)人資料金融科技心理戰(zhàn)ButtonwoodButtonwoodMindMindgamesgamesTheTherightrightwaywayffinvestsinveststotouseusefinancialfinancialtechnologytechnology梧桐心理戰(zhàn)投資者要正確運(yùn)用金融科技TECHNOLOGYhastransfmedfinance.Consumersbank

2、buytheirinsurancepoliciesonline.Theyusetechnologytomanagetheirpensionsotherinvestmentptfolios.ButcantechimprovereturnsOnlyifitisusedwisely.科技改變了金融。消費(fèi)者使用網(wǎng)上銀行，在線購(gòu)買(mǎi)保險(xiǎn)。他們運(yùn)用科技管理養(yǎng)老金和其他投資組合?？墒强萍寄芴岣呤找鎲崮堑眠\(yùn)用得當(dāng)才行。Ifitischeapertotra

3、dethencostswilltakeasmallerchunkoutoflongtermreturns.Technologyalsoallowsfundmanagerstoreplicatestockmarketindicesgivinginvestsaccesstobroadlydiversifiedequityptfoliosfafractionofapercentagepointinannualfees.如果交易成本更低，那么所

4、付出的費(fèi)用在長(zhǎng)期投資收益中的占比就會(huì)更小。拜科技所賜，基金經(jīng)理還可以復(fù)制股市指數(shù)，讓投資者能夠以零點(diǎn)幾個(gè)百分點(diǎn)的年費(fèi)獲得廣泛多元的股票投資組合。Buttheeasecheapnessoftradingalongwiththevastrangeofoptionsavailablecreateaterribletemptation.Wldwidetherearenearly7400exchangetradedfunds(ETFs)relat

5、edproducts.Thesefundsarenotusedonlyby“buyhold”invests.Nearlyhalfofthetop20tradedsecuritiesonAmericanmarketsbyvalueareETFs.但是交易的簡(jiǎn)便、低成本以及廣泛的可選方案卻形成了可怕的誘惑。全世界有將aboutlongevityinflationfutureinvestmentreturns.Anotherproblemis

6、thenaturalhumaninclinationtospendmoneytodayratherthantosavefadistantuncertainfuture.首先，很多人低估了滿足遠(yuǎn)期需求所需要的儲(chǔ)蓄水平。這一定程度上是因?yàn)橛?jì)算困難，它要求人們對(duì)壽命、通脹以及未來(lái)的投資收益等做出假設(shè)。另外，人的天性就是今朝有酒今朝醉，而不是為遙遠(yuǎn)而不確定的未來(lái)儲(chǔ)蓄。Eitherwaysuchshtsightednesscreatesaprob

7、lem.TakeAmericansagedbetween4055.Themedianbalanceintheirprivatepensionplansisjust$14500.Lowinterestrateswereadoptedbycentralbanksintheaftermathofthefinancialcrisisindertodiscouragepeoplefromsavingtohelprevivetheglobaleco

8、nomy.Theparadoxisthatlowinterestratesmeanthatsaversneedabiggerpensionpotonretirement.Theymustsavemenotless.不論哪種原因，這種短視都會(huì)造成一個(gè)問(wèn)題。以40到55歲的美國(guó)人為例。他們私人養(yǎng)老金計(jì)劃的余額中位數(shù)僅為1.45萬(wàn)美元。金融危機(jī)促使各國(guó)央行為抑制儲(chǔ)蓄、幫助重振全球經(jīng)濟(jì)而實(shí)行低利率政策。但矛盾的是，低利率意味著儲(chǔ)戶要為退休存下更

9、多的養(yǎng)老金。他們需要增加而不是減少儲(chǔ)蓄。Technologycanhelpdealwiththisissue.Agoodstatisticalmodelcantellindividualswhatpensionpottheywillneedatretirementwhatinvestmentreturntheycanreasonablyexpectwhethertheyareontrackfthetarget.Iftheyfindthe

10、yarefallingshtoftheirgoalinvestscansavemeadjusttheirplannedretirementdate.Justbeingawareofthescaleofthetaskcanmakeinvestschangetheirbehaviour.科技能夠幫助解決這一問(wèn)題。一個(gè)好的統(tǒng)計(jì)模型可以告訴每個(gè)人退休時(shí)需要的養(yǎng)老金總額，他們應(yīng)該期待的投資收益水平，以及他們的目標(biāo)能否按計(jì)劃實(shí)現(xiàn)。如果發(fā)現(xiàn)達(dá)不到自己