How many types of investor attitudes are there towards risk? What are the characteristics of each

There are five types and characteristics of investors' attitudes towards risk.

1. Conservative: do not want to take any risks, the purpose of investment and financial management is to maintain value, suitable for buying bank savings, currency**, treasury bonds and other products;

2. Prudent: afraid of risks, but hope to have a certain income on the basis of capital preservation, suitable for buying bonds, bank short- and medium-term wealth management products, etc.;

3. Balanced: Considering the risks and returns, the risk tolerance is moderate, and you can try to invest in a combination of currencies such as **+** foreign exchange;

4. Active: tend to have high-risk and high-return financial investment, do not fear of risks, and are suitable for investment methods such as ** or partial stocks**;

5. Aggressive: keen to win high returns in high risk, not afraid of principal loss, suitable for investment, foreign exchange, digital currency and other investments.

People who like venture capital are generally aimed at ****. Neutral people will be more rational and will diversify their investments, with a small portion as a risk investment and insurance and deposits. As a bank**, among the people you generally come into contact with, you will meet 3 types of people, because the general finance is transferred through the bank.

When you talk to risk-averse people, you will find that they will avoid risky topics, or they will not want to listen to those words, these people are easier to communicate, and if they have good words, they will greet them, and they will be put down. The first type of person doesn't bother to communicate with you at all, they feel that their money comes quickly, and they don't need any deposit-based products, and the latter two can communicate.

There are four types, namely 1 risk preference type, 2 risk avoidance type, 3 risk neutral type, and 4 risk attitude change type.

Answer]: According to the different attitudes of investors towards risk, investors can be divided into three categories: risk appetite, risk neutrality and risk aversion.

Knowledge points: understand the basic idea of the mean variance model and the concepts of effective frontier, indifference curve and optimal combination;

Answer]: According to the customer's attitude towards the risk and return in investment, the customer can be divided into three types, namely, the risk aversion, risk preference and risk neutrality.

1. Basic Information.

It is mainly a financing method that provides financial support to a start-up and acquires shares in the company. A venture capital company is a professional investment company, which is formed by a group of people with knowledge and experience in technology and finance, and provides funds to those who need funds through direct investment to obtain equity in the investment company. Most of the funds of venture capital companies are used to invest in start-ups or unlisted companies, and are not for the purpose of operating the invested companies, but only to provide funds and professional knowledge and experience to help the invested companies obtain greater profits, so it is a high-risk and high-reward business that pursues long-term profits.

Venture capital generally operates in the form of venture capital**. <>

Second, it has characteristics.

Venture capital is a venture enterprise, and the equity capital invested by the enterprise generally accounts for more than 30% of the total capital of the enterprise. Venture capital is an expensive type of capital for high-tech innovators, but it may be the only viable funding**. Although bank loans are relatively cheap, bank loans avoid risks, safety comes first, and high-tech innovative enterprises cannot get it.

Venture capital is a type of equity capital that is illiquid over a long period of time. In general, venture capitalists do not invest all of their venture capital in venture companies at once, but continue to inject capital in phases as the company grows. Venture capitalists are both investors and operators.

3. Development stage.

** The structure of a limited partnership is usually used to solve the problem of "where does the money come from". Through a series of procedures such as preliminary project screening, due diligence and investment structure arrangement, professional venture capital institutions invest venture capital in start-ups with huge growth potential. At present, the mainstream is that investors take 80% of the income, the management company takes 20%, and there is an annual management fee of 2%, and the shares are transferred through the public IPO of the enterprise to recover the investment.

When investing, it is important to understand the products you are investing in, and then for high-tech innovative enterprises, venture capital is an expensive type of capital**. Venture capital is particularly risky, but the returns are also particularly high. Venture capitalists are both investors and operators.

And investors are not the same as bankers, they are not only financiers, but also entrepreneurs.

These investment methods will face great risks, but the profits are very high, and the volatility will be relatively large, and it is difficult to grasp the future direction.

I don't know much, most of the risks are very large, and the profits are relatively high, there is a possibility of losing all money, and some basic operating methods will be used.

The most fundamental characteristic of venture capital is its high risk. Venture capital is volatile. But at the same time, it is also highly profitable.

Answer]: The higher the degree of dislike of the investor's spine of risk, the higher the compensation requested, and therefore, the higher the required risk return rate, so the greater the value-at-risk coefficient.