RupeeCase
Education . Household Risk . 3 of 3
So how do two people own one portfolio
You do not average two appetites into one number. You find the drop the more anxious of you can actually hold through, and you build to that line. The braver one gives up a little upside. In exchange, nobody sells at the bottom.
01
Profile the household, not the hero. The quiz measures one person. The crash phones both of you.
02
Held by consensus, sold by veto. The account's real risk level is the lower of your two lines. Never the average.
03
Give the cautious one a floor, not a lecture. Size the equity to the drop they can hold, or ring fence a calmer sleeve in their name. A mix you both keep beats a bolder one you abandon.
A portfolio is rarely sold by the person who did the research. It is sold by the one who could not sleep.
Find the line the two of you can actually hold
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