Are You Taking Too Much Investment Risk — or Not Enough?

Most investors worry about taking too much risk.

But what if the bigger problem is that you are not taking enough?

Choosing how much risk to take with your money can have a huge impact on what your investments are able to do for you. Get it wrong and you could either expose yourself to losses you are not prepared for, or spend years investing only to find you have made it much harder to reach the goal you were aiming for.

And the answer is not as simple as picking conservative, balanced or growth.

Your timeframe matters. Your goals matter. Your behaviour when markets fall matters. Even where the money is invested can completely change what an appropriate level of risk looks like.

In this episode, Paul unpacks the factors that can change the answer, the common ways investors misjudge their own risk tolerance and why the portfolio that feels safest may not always leave you in the strongest financial position.

Inside this episode:

The risk many cautious investors do not realise they are taking

Why your risk-profile questionnaire could be giving you only part of the answer

The scenario that can reveal whether your portfolio is actually too risky for you

Why being a growth investor does not mean all of your money should be invested for growth

The timeframe mistake that can make an otherwise sensible investment strategy completely inappropriate