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• Statistical Inference 统计推断
• Statistical Computing 统计计算
• (Generalized) Linear Models 广义线性模型
• Statistical Machine Learning 统计机器学习
• Longitudinal Data Analysis 纵向数据分析
• Foundations of Data Science 数据科学基础

金融代写|利率理论代写portfolio theory代考|INDIVIDUAL INVESTORS

Working with institutional clients is mainly about the numbers-the dollars and cents. Individual investors recognize the importance of the numbers, too. But psychology is usually just as important. For example, how the client obtained their wealth may be just as important as its magnitude. Their perception of risk may depend as much on whether they feel in control as on objective statistical measures of potential outcomes. Similarly, as will be discussed in Chapter 15 , their attitude toward gains and losses may reflect a variety of situational biases and/or external influences. Thus, understanding the client’s “investment personality” can be as important as understanding their financial situation.

The process of gathering and assessing information about individual clients is sometimes called situational profiling. In essence, the aim is to classify the client based on four factors: source of wealth, measure of wealth, stage of life, and personality. In this context, “measure of wealth” refers not only to the absolute size of the portfolio but also to the client’s perception of his or her wealth. In general, higher perceived wealth translates into higher risk tolerance. That is, for a given portfolio value, those that perceive themselves as wealthy tend to be willing to take more risk.

Exhibit $2.16$ lists the variable that investors with $\$ 2.5$million or more cited as the broad factors in creating their wealth. The vast majority credit hard work, luck, and investments. Interestingly, only a small fraction cite inheritance (many more acknowledge being in the right place at the right time) or the help of a financial advisor (many more note smart investing and frugality). The variables can be summarized as taking risk and education. Advising individual investors is, of course, a business. Therefore, advisory firms typically tailor their services and fees to attract certain types of clients. Since fees (that is, revenues) are a function of assets under management, the market is stratified based on clients’ investable assets. In one such breakdown, Cerulli Associates found that the “affluent,” those with$\$1-5$ million to invest, were advised primarily by mutual fund companies and commercial banks. Those with $\$ 5-25$million, labeled “high-net-worth” investors, generally command the somewhat more customized and sophisticated services offered by brokerage firms and registered investment advisors (RIA). “Ultra-high-net-worth” individuals with$\$25$ million or more receive highly customized attention at private banks or establish family offices with investment professionals dedicated to handling their financial affairs. ${ }^{26}$

有限元方法代写

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MATLAB代写

MATLAB 是一种用于技术计算的高性能语言。它将计算、可视化和编程集成在一个易于使用的环境中，其中问题和解决方案以熟悉的数学符号表示。典型用途包括：数学和计算算法开发建模、仿真和原型制作数据分析、探索和可视化科学和工程图形应用程序开发，包括图形用户界面构建MATLAB 是一个交互式系统，其基本数据元素是一个不需要维度的数组。这使您可以解决许多技术计算问题，尤其是那些具有矩阵和向量公式的问题，而只需用 C 或 Fortran 等标量非交互式语言编写程序所需的时间的一小部分。MATLAB 名称代表矩阵实验室。MATLAB 最初的编写目的是提供对由 LINPACK 和 EISPACK 项目开发的矩阵软件的轻松访问，这两个项目共同代表了矩阵计算软件的最新技术。MATLAB 经过多年的发展，得到了许多用户的投入。在大学环境中，它是数学、工程和科学入门和高级课程的标准教学工具。在工业领域，MATLAB 是高效研究、开发和分析的首选工具。MATLAB 具有一系列称为工具箱的特定于应用程序的解决方案。对于大多数 MATLAB 用户来说非常重要，工具箱允许您学习应用专业技术。工具箱是 MATLAB 函数（M 文件）的综合集合，可扩展 MATLAB 环境以解决特定类别的问题。可用工具箱的领域包括信号处理、控制系统、神经网络、模糊逻辑、小波、仿真等。

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