निम्न कथनों में से कौन-सा एक परिच्छेद के लेखक द्वारा दी गई सलाह को श्रेष्ठ रूप से निहित करता है?
Read this question in English
Which one of the following statements best implies the suggestion given by the author of the passage?
(a) Distribute your wealth across different kinds of assets so that your risks would be minimized. · (b) Risk-taking behaviour should be a necessary component of your personality if you want to generate wealth. · (c) While making investments, find a trustworthy asset management organization which would manage your wealth for you. · (d) You should know that investing your money is a risky business.
उत्तर और व्याख्या · explanation in English
Answer: (a) अपने धन को विभिन्न प्रकार की संपत्तियों में इस प्रकार बाँटें कि आपका जोखिम न्यूनीकृत हो सके।
The author opens with asset allocation as the key decision, says no asset is risk-free, and ends by noting that the extreme risks will not all strike at the same time. The practical suggestion is to spread money across different assets so that one failure does not wipe out everything.
- ✓ (a) Asset allocation is 'the most important investment decision', and since the risks 'will not manifest at the same time', spreading wealth across assets lowers overall risk.
- ✗ (b) The author wants informed allocation, not risk-taking as a personality trait; 'necessary component' goes beyond the passage.
- ✗ (c) Handing money to an asset manager is never mentioned; the author even notes our dislike of losing control of investment.
- ✗ (d) This is only the starting fact ('no asset that is risk-free'), not the author's suggestion about what to do.
Remember · When a passage says 'every option is risky, but not all fail together', its advice is diversification.
Question and answer: UPSC's official GS Paper II (2020, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·