The possibility of random response occurring, which can result in Type II errors, is possible whenever a financial risk-tolerance questionnaire is administered. This study was designed to apply inter-item standard deviation (ISD) scores, as introduced by Marjanovic, Holden, Struthers, Cribbie, and Greenglass (2015), to identify responders to a financial risk-tolerance questionnaire as hyper-consistent, conscientious, or random. Hyper-consistent responders were found to be more likely to be older married men who make their own financial and investment decisions. Those classified as hyper-consistent exhibited the lowest risk-tolerance scores. Conscientious responders were more likely to report having a high level of attained education and to rely on someone else when making financial and investment decisions. Financial risk-tolerance scores for conscientious responders fell between scores for hyper-consistent and random responders. Random responders were found to be younger, single, less well educated, and more likely to hold cash in their portfolio. Random responders also exhibited the highest financial risk-tolerance scores among participants in this study.

每当进行财务风险承受力调查表时，就有可能发生随机响应，从而导致II型错误。这项研究旨在应用Marjanovic，Holden，Struthers，Cribbie和Greenglass（2015）引入的项目间标准差（ISD）评分，将金融风险承受力调查问卷的响应者识别为高度一致，认真，或随机。发现高度一致的响应者更有可能是已婚者，他们自己决定财务和投资。那些被归类为高度一致的人表现出最低的风险容忍度得分。有责任心的响应者更有可能报告自己受过较高的教育，并在做出财务和投资决策时依赖他人。尽职调查者的财务风险容忍度得分介于超持续反应者和随机反应者的分数之间。发现随机应答者年龄较小，单身，受教育程度较低，并且更有可能将现金存入其投资组合。在这项研究的参与者中，随机应答者的财务风险耐受性得分也最高。