RupeeCase
Education . Household Risk . 1 of 3
One account . two nervous systems
Your joint portfolio has one risk level.
It belongs to whoever sells first.
The braver one
40%
The drop they could sit through before they would sell.
The cautious one
15%
The drop they could sit through before they would sell.
So the account holds
15%
The lower line. Not the 27.5 average of the two.
The rule nobody says out loud
Held by consensus. Sold by veto. Sitting through a crash needs both of you. Selling needs one.