{"id":15304,"date":"2025-07-04T12:40:13","date_gmt":"2025-07-04T10:40:13","guid":{"rendered":"https:\/\/pattersonmills.ch\/?p=15304"},"modified":"2025-07-04T14:15:43","modified_gmt":"2025-07-04T12:15:43","slug":"how-to-assess-investment-risk","status":"publish","type":"post","link":"https:\/\/pattersonmills.ch\/fr\/how-to-assess-investment-risk\/","title":{"rendered":"How to Assess Investment Risk"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15304\" class=\"elementor elementor-15304\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-734921c3 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-mobile elementor-section-height-default\" data-id=\"734921c3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b1a362b\" data-id=\"3b1a362b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ed26ed5 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"5ed26ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to Assess Investment Risk<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7da17c6 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"7da17c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2025\/07\/04\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>juillet 4, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f2ab20 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"65f2ab20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;The essence of investment management is the management of risks, not the management of returns&#8221;\u00a0\u2014 Benjamin Graham\u00a0<\/p><p><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">3 min read<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5818ac77\" data-id=\"5818ac77\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3425518c elementor-widget elementor-widget-spacer\" data-id=\"3425518c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d66db8 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"62d66db8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28ec48d1\" data-id=\"28ec48d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e19e2cd elementor-widget elementor-widget-image\" data-id=\"1e19e2cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1344\" height=\"756\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R.jpg\" class=\"attachment-full size-full wp-image-15305\" alt=\"Managing Investment Risk\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R.jpg 1344w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R-300x169.jpg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R-1024x576.jpg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R-768x432.jpg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R-18x10.jpg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/07.2025-2-14.05.2024-R-1200x675.jpg 1200w\" sizes=\"(max-width: 1344px) 100vw, 1344px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fb0ba09 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"7fb0ba09\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fe26bcf\" data-id=\"4fe26bcf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-281c4020 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"281c4020\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How to Assess Investment Risk<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd9df72 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"2fd9df72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2025\/07\/04\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>juillet 4, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a3699 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"63a3699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;The essence of investment management is the management of risks, not the management of returns&#8221;\u00a0\u2014 Benjamin Graham\u00a0<\/p><p><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">3 min read<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-615b64f5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"615b64f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62e468d2\" data-id=\"62e468d2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf527f2 elementor-widget elementor-widget-text-editor\" data-id=\"bf527f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/odio.ai\/embed\/de8cdcda0297da26\" scrolling=\"no\" height=\"125px\" width=\"100%\" frameborder=\"0\" allowfullscreen><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ccdad0 elementor-widget elementor-widget-text-editor\" data-id=\"6ccdad0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Investing always involves some level of risk, you know this.<\/span><\/p><p><span data-contrast=\"auto\"> Long-term success comes from understanding and managing that risk rather than trying to avoid it entirely.<\/span><\/p><p><span data-contrast=\"auto\">Whether you are building wealth, planning for retirement, or preserving capital, assessing risk appropriately is the cornerstone of any sound investment strategy.<\/span><\/p><p><span data-contrast=\"auto\">But, how do you do it? <\/span><span data-contrast=\"auto\">How do you assess risk in a way that enables you to invest appropriately to achieve your goals? You are in the right place to found out! Read on below.<\/span><\/p><h5><b><span data-contrast=\"auto\">Know the key types of risk<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">To start making progress, you first need to understand the key types of investment risk. It comes in many forms, and different types of risk affect different parts of your portfolio.<\/span><\/p><p>Remember,\u00a0<strong>no investment is risk-free.<\/strong><\/p><p><span data-contrast=\"auto\">Recognising where these risks lie is the first step in managing them effectively.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">You can read more about risk on our dedicated page: <a href=\"https:\/\/pattersonmills.ch\/fr\/investing-and-risk\/\" target=\"_blank\" rel=\"noopener\">Investissements et risques<\/a>.<\/span><\/p><p><b><i><span data-contrast=\"auto\">Market (systematic) risk <\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Refers to the potential for broad economic factors to affect the value of your investments, such as inflation, interest rates, or geopolitical events. These are typically areas that you have no control over (with the exception being if you are in a government or policy decision making position).<\/span><\/p><p><b><i><span data-contrast=\"auto\">Company-specific (unsystematic) risk <\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This arises when individual shares or bonds underperform due to issues specific to that organisation.<\/span><\/p><p><b><i><span data-contrast=\"auto\">Currency risk<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">If you hold investments in foreign currencies, changes in exchange rates can impact the value of your returns. Even if the underlying asset performs well, currency movements can either amplify gains or reduce them.<\/span><\/p><p><b><i><span data-contrast=\"auto\">Liquidity risk<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This is the risk of not being able to sell an investment quickly without significantly affecting its price. Assets that are less liquid may be harder to convert into cash when needed, particularly in volatile markets. The most popular example here being a property sale that could take months or years.<\/span><\/p><p><b><i><span data-contrast=\"auto\">Legislative risk<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Changes in laws, regulations, or tax rules can impact investments. For example, a change in capital gains tax rates or pension legislation could alter the attractiveness or outcome of a particular strategy.<\/span><\/p><p><span data-contrast=\"auto\">A well-diversified approach can help manage these risks more effectively over time.<\/span><\/p><h5><b><span data-contrast=\"auto\">Understand your risk tolerance and capacity for loss<\/span><\/b><\/h5><p><span data-contrast=\"auto\">Risk tolerance is your emotional comfort with the ups and downs of investing (the &#8216;investment rollercoaster&#8217;). It reflects how well you cope with seeing the value of your investments fluctuate (&#8216;volatility&#8217;).<\/span><\/p><p><span data-contrast=\"auto\">Some investors are comfortable with high levels of volatility if it means the potential for long-term growth, while others prefer more stable journeys even if the overall returns might be lower.<\/span><\/p><p><span data-contrast=\"auto\">Capacity for loss, on the other hand, is your financial ability to absorb a downturn without it affecting your existing lifestyle. It is not about how you feel, but about for what your situation allows.<\/span><\/p><p><span data-contrast=\"auto\">For example, how much value can your investments lose before you can no longer continue your lifestyle in its current state? Can you lose 10% and live normally? 20%? 30%? <\/span>Perhaps you are you able to sell other assets to make up for the shortfall?<\/p><p>In simple terms, the larger loss you are able to absorb, the higher your capacity for loss (and the reverse is also true).<\/p><p><span data-contrast=\"auto\">This means that you may not be in a position to take on significant investment risk, even if you feel emotionally confident doing so.<\/span><\/p><p><span data-contrast=\"auto\"><strong>Risk tolerance and capacity for loss should be considered in tandem.<\/strong> Simply being comfortable investing in 100% equity does not necessarily mean it is appropriate if your financial circumstances cannot support the potential volatility.<\/span><\/p><p><span data-contrast=\"auto\">Your portfolio should reflect both your mindset and your real-world limitations.<\/span><\/p><h5><b><span data-contrast=\"auto\">Align risk with your goals and time horizon<\/span><\/b><\/h5><p><span data-contrast=\"auto\">Investments are best tailored to your objectives. If your goal is to preserve capital for a short-term purchase, a high-growth equity strategy is unlikely to be appropriate.<\/span><\/p><p><span data-contrast=\"auto\">Conversely, if your goal is to grow wealth over 15 to 20-years, holding too much in low-risk, low-return assets (cash for example) can be a risk in itself.<\/span><\/p><p><span data-contrast=\"auto\">Matching the level of investment risk to your time horizon is a key part of maintaining discipline through market cycles.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">Diversify across asset classes and sectors<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Diversification is one of the most effective ways to manage investment risk. By spreading your assets across equities, bonds, property, and alternatives (further diversifying across regions and sectors), you can reduce the impact of poor performance in any single area.<\/span><\/p><p><span data-contrast=\"auto\">Naturally, this is with the hope that the better performing assets increase by more than the poor performing assets decrease.<\/span><\/p><p><span data-contrast=\"auto\">A well-diversified portfolio does not eliminate risk, but it does reduce the likelihood of significant losses from any one event or trend.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0 If the economy is crashing and every asset class is falling, you will make losses.<\/span><\/p><h5><b><span data-contrast=\"auto\">Review regularly and adjust when needed<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Now you have a basic understanding of the key factors at play when managing risk, you should know that it is not a &#8220;set and forget&#8221; exercise.\u00a0<\/span><span style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\">Your financial situation, goals, and attitude towards risk are likely to change over time.<\/span><\/p><p><span data-contrast=\"auto\">Reviewing your investment strategy periodically helps to keep your risk level consistent and remain aligned with your evolving needs, preferences and market conditions.<\/span><\/p><p><span style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">Luckily, such reviews are part and parcel of our service at\u00a0<\/span><span style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\">Patterson Mills. You do not have to do it alone,\u00a0<\/span><a style=\"font-size: inherit; text-align: inherit; background-color: inherit; letter-spacing: -0.015em;\" href=\"https:\/\/links.pattersonmills.ch\/contact\"><b><strong>contactez-nous<\/strong><\/b><\/a><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-3429fff ); background-color: inherit; letter-spacing: -0.015em;\">\u00a0with us today by e<\/span><span style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\">-mail to\u00a0<\/span><a style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\" href=\"mailto:contactus@pattersonmills.ch\"><b><strong>contactus@pattersonmills.ch<\/strong><\/b><\/a><span style=\"font-size: inherit; text-align: inherit; letter-spacing: -0.015em;\">\u00a0or call +41 (0) 21 801 36 84 and we shall be pleased to assist you.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61cff8b4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"61cff8b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a255d elementor-widget elementor-widget-text-editor\" data-id=\"08a255d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"hd-block hd-block-paragraph\"><p><strong><em>Please note that all content within this article has been prepared for information purposes only. This article does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.<\/em><\/strong><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>&#8220;The essence of investment management is the management of risks, not the management of returns&#8221;\u00a0\u2014 Benjamin Graham\u00a0<\/p>\n<p>3 min read<\/p>","protected":false},"author":2,"featured_media":15305,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[352,108,230,117,67,144,296,297,298,299,60,186,90,18,330,190],"class_list":["post-15304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-capacityforloss","tag-finance","tag-finances","tag-financetips","tag-financialadvice","tag-financialadviser","tag-financialadvisor","tag-financialeducation","tag-financialknowledge","tag-financialliteracy","tag-investing","tag-investment","tag-investmentrisk","tag-investments","tag-personalfinance","tag-risktolerance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Do you know how to assess investment risk? 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