Earlier this year, the market dropped double digits in a matter of days… then bounced back nearly as quickly, before reaching new highs. These kinds of moves are more than headlines—they’re gut checks. And they offer a valuable opportunity to pause and ask: “Is my investment risk still the right fit for me?”
Because here’s the truth: risk tolerance isn’t static. It evolves with your life, goals, and even your mindset.
Too often, investors set their risk level when they first open accounts—and never revisit it. But your financial life is anything but fixed. Life events, shifting timelines, changing income, or simply getting older can all affect your ability and willingness to take on risk.
At Samalin Wealth, we break risk tolerance down into three distinct parts:
Ability to take risk: How much time do you have to recover from market downturns?
Need to take risk: How much growth do you need to achieve your goals?
Willingness to take risk: How much market volatility can you emotionally live with?
Even the best formulas and projections can’t fully capture what it feels like to see your portfolio drop 15% overnight. But your gut reaction? That tells a story worth listening to.
Understanding your comfort with risk is only step one. The next step is aligning your portfolio accordingly.
That’s why we use a structured Risk Preference assessment as part of our proprietary Bridge Process. This helps us:
Understand your natural reactions to risk and volatility
Select an investment model that fits your goals and comfort zone
Assign a rebalance schedule to help keep your portfolio aligned—no matter how the markets move
And because life changes, our process is built to evolve with you. Whether you're shifting from growth to income, or revisiting your plan after a life event, we’re here to help you adapt without losing sight of what matters most.
Risk isn't just about numbers—it’s about how you live, what you value, and the future you’re building. So, if the market’s recent moves gave you pause—even briefly—it’s worth re-examining your strategy.
We’re here to help you explore those questions and recalibrate your plan if needed. Not because anything is broken—but because life changes. And when your portfolio stays aligned with your evolving reality, you can invest with more confidence.
If you're interested, let’s re-check your strategy and make sure your portfolio still fits the life you want to lead.