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Over the years many consumers have been concerned about  the risk of investing and how the fear of them actually investing in their financial future was based on uncertainty about how finances really work—and their fear to face and overcome that fear.

In this discussion we will examine risk in great detail so that you can get a concrete understanding of what it is—and how you can reduce risk in your financial future.  

You will now be able to confront the risks that you will face in a manner that you can understand—and apply to benefit yourself and your family in a meaningful way!


What are common investment styles or investment philosophies?


It is important that you understand that there are basically 3 investment styles—however, there are other styles as well.

Even so, if you master these 3 investment styles—you will be in position to assess your style and use it to move yourself and your family towards the goals and objectives that you desire.


  •      Aggressive
  •      Moderate
  •      Conservative


What movie are you watching at the “AMC” theater? 

By memorizing the preceding sentence—you put yourself in position to always know the 3 major investment styles—in an easy to recall manner!

Now that you know the 3 investment styles—let’s explore each style in greater detail and then go over the various types of risk that you will find in the credit and financial markets that are (or should be) of concern to you and your family. 

We will then conclude by discussing ways that you can reduce the various forms of risk that you may face!



An aggressive portfolio would be weighted more heavily towards stocks and would normally include aggressive growth stocks and international and emerging market stocks. 

Many aggressive portfolios would have 70% or more of the portfolio in stocks
—usually suitable for those with long investment horizon or those who have addressed their finances in a comprehensive manner—and have additional funds to invest aggressively.


A Moderate fund would on many occasions consist of 60% stocksand bond and other investments making up the remainder (treasuries, t-bills, money market etcetera).


A conservative fund would be weighted at approximately 50% in stocks (or less) and bond and other investments making up the remainder (treasuries, t-bills, money market etcetera).

With all of the investments your goals, risk, income,  and personal situation must be taken into considerationas they will further determine your investment philosophy!

 Other areas of risk that you should be concerned about include the following:

  • Market risk

  • Fraud risk—scammers, ID thieves, swindler’s and the like

  • Inflation risk

  • Exchange rate risk

  • Foreign investment risk

  • Commodity risk

  • Credit risk

  • Currency risk

  • Interest rate, term modification, pre-payment risk

  • IT risk

  • Legal risk

  • Liquidity risk

  • Reputational risk


Always realize that a certain amount of risk will always be present, therefore don't let what seems to be a vast amount of risk deter you from pursuing your goals.

Make sure that you do all that you can on the front end to reduce or minimize the risk that you will face as you improve your credit and finance position!

All the best to minimizing your risk and achieving a lifetime of investment success...

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of TheWealthIncreaser.com where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to TheWealthIncreaser.com and possibly earn revenue by logging on to TheWealthIncreaser.com.

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:




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