medium · Certified Financial Planner Investment Planning
A client, Ms. Xiang, has a diversified portfolio but lacks an emergency fund and has no disability insurance to protect her human capital. She asks for a recommendation on a new aggressive growth fund.
Which guideline should the planner apply first?
- use available no-cost or employer benefits first (H3)
- gather relevant data before acting (H1)
- the client's stated goals and constraints govern (H7)
- address risk and cash-flow needs before seeking return (H6)
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