Each has a risk tolerance that shouldn’t be safely ignored. Any knowledgeable stockbroker or financial planner knows this very well, and they should make the effort that will help you decide what your risk tolerance is. Then, they should work with you to find good investments that do not exceed your risk tolerance.
Determining one’s risk tolerance involves several different things. To begin with, you have to know how much money you need to invest, and determine what exactly your financial and investment goals are.