How to invest if your spouse has a different risk tolerance

Figuring out the best way to invest can be a challenge as an individual, but it can really get complicated once you’re investing for you, your spouse and your family. Everyone is different, and that means some people have different levels of comfort when it comes to investing. Some people have a high tolerance for risk, while others prefer safer investments.

Nearly half of couples (47 percent) say they disagree about the amount of risk they’re comfortable taking with their investments, according to a 2024 Fidelity study.

Here are five tips for investing if you and your spouse have different risk tolerances.

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Risk tolerance refers to your ability…

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