答案和详解如下： Correct answer is A) Bailey’s comment is reflective of the endorsement effect, which refers to the misconception by plan participants that by providing a list of investment options, the sponsor is endorsing them as good investments. The endorsement effect is particularly prevalent if the sponsor adds new investment options. Li’s comment is reflective of the status quo bias, which refers to a participant’s tendency to make an original allocation and not change it. Often times, a participant can be overwhelmed by the number of available investment options, which leads to the status quo bias. Note that 1/n diversification heuristics refers to an allocation being divided equally among the number of fund options, while cognitive dissonance refers to a person’s actions differing from a person’s beliefs. | 
发表于 2009-5-6 12:39
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