Resources - Investing

INVESTOR TYPES & STRATEGIES

Figure out which type of investor you are and what steps would fit best for your style!

The chart below lists the characteristics of each investor type and recommends the best investment options for each. Investor types are listed in order from most risk averse to least risk averse. Take a moment to review the chart to see how investor characteristics and timeline impact the investment recommendations for each investor type.

Investor Types Comparison

Comparing Different Investor Types

Type of Investor	Characteristics	Typical Investment Timeline	Best Investment Options
Conservative	Highly risk averse Very focused on wealth preservation Minimizes exposure to financial risks that can reduce wealth	Extremely short; usually less than five years	Low risk/Low return assets that are highly liquid Bonds Money Market Funds
Cautious	Rather high risk aversion Tends to avoid risky investments Tends to avoid risk but not as focused on wealth preservation as a Conservative investor would be A small percentage of their portfolio usually includes riskier assets	Fairly short; about 5-7 years	Mainly low risk/low return but willing to invest a bit in moderately risky assets Money market equities Bonds Listed Property Equities (REITs)
Balanced	Medium level of risk aversion Wants to preserve wealth while also growing assets Often accumulates a well-diversified portfolio	Moderate to long; often anywhere from 7-15 years	Moderately risky assets Bonds Listed Property Equities (REITs) Stock Equities Real Estate Business
Bold	Fairly low aversion to risk More focused on growing assets than preserving wealth Sees market downturns as buying opportunities	Long - usually anywhere from 15-25 years	Low-weighted fixed-income investments Dividend and growth stocks Listed Property Equities (REITs) Stock Equities Real Estate Business
Aggressive	Fully focused on asset growth Is attracted to high risk/high return investments Prefers growth stocks Likes to invest in new companies	Extremely long; 25+ years or more	Attracted to the profit potential offered by IPOs and start-ups Stock Equities Real Estate Stock Equities Real Estate Business Commodities

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