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by lexapro 1688 days ago
A lot of people get this one wrong, risk is not volatility, risk is losing a portion (or in some cases all) of your money.
2 comments

Over a sufficiently long term timeline for certain types of investments, the latter often turns into the former. Total-market stock funds on a 30-year timeline are volatile, but are unlikely to lose your money in any scenario in which money continues to have value. Total-market stock funds on a 5-year timeline have a substantial risk of getting out less than you put in, just from an ordinary downturn, let alone a major crash.

(I agree that the term "risk" often conflates a variety of things, and in this context should primarily mean "risk of losing your investment" rather than "day-to-day volatility".)

Risk is uncertainty, it’s not about loss or gain. If I lever my portfolio 2x, I’m taking on twice the risk but if I’m in the money I’ll make twice as much.