위험수용성향 유형별 펀드투자 손실에 영향을 미치는 요인

This study investigates the factors influencing losses in fund investments upon realizing investment returns. Financial consumers were classified into three groups based on their risk tolerance for a comprehensive analysis. Initially, the study explores the characteristics of financial consumers to each risk tolerance category type. Subsequently, an analysis was conducted on the characteristics of financial consumers based on their fund investment losses. Finally, this study employed binomial logistic regression to analyze the factors influencing fund investment losses for the three different risk tolerance groups. The findings summarized as follows: First, for the risk-neutral type, the financial asset amount was a significant influencing factor. Second, for the risk-tolerant type, there was a higher likelihood of losses when objective financial literacy was low, and when the financial asset amount was low. The suggestions to reduce fund investment losses for financial consumers were identified, especially for the risk-tolerant type and are listed as follows: First, one must understand one’s risk tolerance. Second, one must enhance his/her objective financial literacy, and third, one must secure sufficient financial assets before starting investment.