Risk Evalution

Question

If risk is defined as total loss, not change in value. Which one has a higher risk, putting money in Dah Sing Bank saving account or buying Tracker Fund (2800) at Dah Sing Bank?

Answer 1

Favorite Answer

The risk between both ,putting money into Dah Sing Bank saving account

is lower. since there is 100% guaranteed by government. there is a important

rule , corporate rating is always lower than government, so if the risk is define

as total loss , obviously saving is lower risk than stock , even tracker fund.

tracking fund is deposited at Dah Sing Bank is a tricky point , there are two

way , the first , Dah Sing Bank is going bankruptcy, there is no problem to this

asset , since this asset must hold as separate account .the second way is

Dah Sing Bank is cheating , it appropriated this asset , and client has only

one way to do , that is put forth your claim . anyway , the lower risk

between both is still saving

Answer 2

風險是很難評估的，我們必須有一種量度的方法，如果你話股票比較風險，我就很難判斷了，不過上述題目，我們可以以法律為量度準則

假設法律有效下

我們放在在銀行的account 有政府保障，但2800郤沒有政府書面的法律保障。

任何風險量度最好是等同方式，

所以法律風險下 銀行高於

但基金有分散風險，如果其中一間倒閉，當然現在是全面保障，如果政府取消下，你所面對的倒閉風險就大了，所以分散風險下就難計了

因為風險難計，你問我︳我吾識，找精算系的人，他們可能計出數據風險，不過風險的問題不等於回報問題 ，這點要留意

不過你設的問題，我認為是資料不足以評估任何事

例如 一間公司財務狀況，有盈利 及一間有虧損，你評估一間公司倒閉，是否給他們貸款，你需要這間公司的財務狀況及可供的借貸數，你以一些資料問如何評估公司的財政好啦，否則這些問題只會惹起一輪爭議，然後像小兒辯日 一無結果。