[雙語翻譯]財(cái)務(wù)規(guī)劃外文翻譯--性別對個人財(cái)務(wù)規(guī)劃過程的影響（英文）

1、HumanomicsThe impact of gender on the personal financial planning process: Should financial advisors tailor their process to the gender of the client? Edward J. Stendardi Judy F. Graham Mary O’ReillyArticle information:T

2、o cite this document: Edward J. Stendardi Judy F. Graham Mary O’Reilly, (2006),“The impact of gender on the personal financial planning process“, Humanomics, Vol. 22 Iss 4 pp. 223 - 238 Permanent link to this document: h

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4、text of this document has been downloaded 1426 times since 2006*Users who downloaded this article also downloaded:David S. Murphy, Scott Yetmar, (2010),“Personal financial planning attitudes: a preliminary study of gradu

5、ate students“, Management Research Review, Vol. 33 Iss 8 pp. 811-817 http:// dx.doi.org/10.1108/01409171011065617Judy F. Graham, Edward J. Stendardi, Joan K. Myers, Mark J. Graham, (2002),“Gender differences in investmen

6、t strategies: an information processing perspective“, International Journal of Bank Marketing, Vol. 20 Iss 1 pp. 17-26 http://dx.doi.org/10.1108/02652320210415953Joe James, W. Hadley Leavell, Balasundram Maniam, (2002),“

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12、aded by RMIT University At 16:29 31 January 2016 (PT)Impact of gender on the PFP process223Humanomics Vol. 22 No. 4, 2006 pp. 223-238 # Emerald Group Publishing Limited 0828-8666 DOI 10.1108/08288660610710746The impact o

13、f gender on the personal financial planning processShould financial advisors tailor their process to the gender of the client?Edward J. Stendardi and Judy F. Graham St. JohnFisher College, Rochester, New York, USA, and M

14、ary O’Reilly Merrill Lynch, Rochester, New York, USAAbstractPurpose – To research the gender literature in order to determine whether it is advisable for a financial advisor to adjust their planning and advising processe

15、s based on the gender of their client. Design/methodology/approach – To correlate the gender literature with the personal financial planning process in order to determine whether advisors should adjust their approach bas

16、ed on the gender of their client. Findings – The gender literature reveals significant differences concerning how men and women invest; consequently, it is felt that it is advisable for financial advisors to tailor their

17、 approach based on the gender of their client. Research limitations/implications – The financial planning process should be modified to incorporate the gender of the client. Practical implications – Financial advisors sh

18、ould tailor their approach to the gender of their clients in order to ideal with them more effectively. Originality/value – As female investors grow in importance, processes should be modified or adjusted in order to acc

19、ommodated their preferences. Keywords Gender, Investors, Women, Personal finance Paper type ViewpointIntroduction It is widely recognized that women have been growing in financial importance in recent decades. In fact, K

20、over (1999) estimates that nine out of ten women will be in charge of their family’s finances at some point in their lives. Moreover, the impact of gender on financial decision-making in general and on the investment pro

21、cess specifically has been of increasing interest to both researchers and practitioners. Hira and Mugenda (2000) state that an advisor needs to understand the factors that underlie a client’s financial behaviors before t

22、hey can effectively advise them, and numerous studies have shown that men and women think and behave differently when it comes to managing money. For example, Bernasek and Schwiff (2001) found in a regression study that

23、gender was the most significant factor in explaining the percentage of pension assets invested in stock. However, to date there are no works that specifically address the role that client gender should play in the implem

24、entation of the personal financial planning process (hereafter referred to as the PFP process) by financial planning professionals. The authors believe that effective financial advisors should consider tailoring the PFP

25、process to the gender of the client in order to better meet the client’s needs.The current issue and full text archive of this journal is available atwww.emeraldinsight.com/0828-8666.htmDownloaded by RMIT University At 1