[ctchocula]

If it is a basic trait as you point out, I would suggest OP should look into a financial advisor. I don't recommend advisors to everyone, because it is more expensive than DIY portfolios, but having a financial advisor sounds like a good abstraction layer for OP. OP can just tell the advisor financial goals they'd like to reach and the advisor will come up with a portfolio with the appropriate amount of risk to reach those goals.

Given the timing of the post is in a period of economic uncertainty, it could be relevant to point out financial advisors are also good at persuading investors not to make big investment mistakes such as selling when the stock market is down.