Introduction
Different risks need different questions.
Market risk is the possibility that an investment changes in value. It is only one dimension of risk. A useful assessment also considers time, liquidity, concentration and behaviour.
Time horizon
Money needed soon may not have the time to recover from normal market movement. Match the instrument to when the goal arrives.
Liquidity
Ask how easily an investment can be converted to cash and what price uncertainty exists when you need to sell.
Concentration
Relying on one company, sector or theme can make one outcome dominate a portfolio.
Behaviour
A plan should anticipate emotional decisions. Define what you will review, what may change your mind and what you can continue.
Conclusion
No investment is free of risk and no framework removes uncertainty. Education helps make the trade-offs visible.
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