“Our findings suggest that individual investors’ willingness to bear risk depends on personal history.” Not intelligence, or education, or sophistication. Just the dumb luck of when and where you were born.
从这点上我想，理解我们的朋友和客人他们过去投资的经验， 是否丢过钱等等是非常必要的。 这个可能是他们潜意思里做决定的决定因素。