Читать книгу Divorce Dollars - Akeela Davis - Страница 9
Risk Profiles
ОглавлениеRisk profiles are similar to, but also quite different from, spending profiles. Risk and spending profiles may combine to form a completely different behavior than either alone would indicate. Risk profiles can be illustrated by looking at how an individual views insurance (a defensive action) and investments (an offensive action) as part of his or her overall financial security, and may be recognized as follows:
| Risk Profile | Insurance Characteristics | Investment Characteristics |
| Ultra-conservative | • Lots of insurance • Lowest deductibles | • Likes to have large amounts of cash in bank • Does not like any debts • Prefers solid income investments • Lacks diversification |
| Conservative | • Enough insurance • Not the highest deductible | • Likes blue-chip investments • Debts only against assets • Accepts prudent investment mix |
| Moderate | • Somewhat inadequate insurance • Mid to high deductibles | • Likes a mix of income, blue-chip, and growth investments • Committed to paying off non-asset debts quickly • Will use prudent tax shelters |
| Aggressive | • Little or no insurance • Highest deductible, if there is any insurance | • Speculator • Excessive debts • High-risk tax shelters • Prefers equity to income investments • Lacks diversification |
