{"id":36359,"date":"2026-04-29T11:48:57","date_gmt":"2026-04-29T15:48:57","guid":{"rendered":"https:\/\/www.sage.com\/en-us\/blog\/?p=36359"},"modified":"2026-04-29T11:48:59","modified_gmt":"2026-04-29T15:48:59","slug":"investment-risk-management","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-us\/blog\/investment-risk-management\/","title":{"rendered":"Investment risk management strategies and tips"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/category\/strategy-legal-operations\/\" class=\"entry-header__link\">Strategy, Legal &amp; Operations<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tInvestment risk management strategies and tips\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tManaging investments means managing risk. When you understand the most common risks and strategies to control them, you can build a portfolio that supports your goals and holds up through market swings.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2026-04-29T11:48:57-04:00\">April 29, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Investment risk management strategies and tips\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-us\/blog\/investment-risk-management\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-us\/blog\/author\/joechurchwoods\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2025\/05\/Joe-Yard-2-crop-350x350.jpg\" class=\"entry-author__image\" alt=\"Joe Church Woods\" \/>\t\t\t\t<span class=\"entry-author__name\">Joe Church Woods<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p>Markets move fast, and headlines move faster. <\/p>\n\n\n\n<p>For wealth managers, asset managers, and financial advisors, one of the biggest challenges is building investment portfolios that can hold up through whatever comes next while still delivering consistent returns for clients.<\/p>\n\n\n\n<p>That\u2019s the purpose of investment risk management.<\/p>\n\n\n\n<p>Whether you\u2019re managing client portfolios or overseeing firm investments, risk management helps ensure portfolios remain aligned with long-term objectives even when markets become volatile.<\/p>\n\n\n\n<p>With a practical system of clear, repeatable rules for identifying, measuring, stress-testing, and controlling risk, portfolio managers can make more confident decisions and maintain discipline during market swings.<\/p>\n\n\n\n<p><strong>Here&#8217;s what we&#8217;ll cover: <\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-is-investment-risk-management\" data-level=\"2\">What is investment risk management?<\/a><\/li><li><a href=\"#h-how-does-risk-relate-to-reward\" data-level=\"2\">How does risk relate to reward?<\/a><\/li><li><a href=\"#h-which-types-of-investment-risks-matter-most\" data-level=\"2\">Which types of investment risks matter most?<\/a><\/li><li><a href=\"#h-how-do-you-measure-portfolio-risk\" data-level=\"2\">How do you measure portfolio risk?<\/a><\/li><li><a href=\"#h-what-are-proven-investment-risk-management-strategies\" data-level=\"2\">What are proven investment risk management strategies?<\/a><\/li><li><a href=\"#h-how-do-asset-allocation-and-diversification-work-together-in-risk-managed-investments\" data-level=\"2\">How do asset allocation and diversification work together in risk-managed investments?<\/a><\/li><li><a href=\"#h-how-can-technology-improve-investment-risk-management\" data-level=\"2\">How can technology improve investment risk management?<\/a><\/li><li><a href=\"#h-investment-risk-management-faqs\" data-level=\"2\">Investment risk management FAQs<\/a><\/li><li><a href=\"#h-final-thoughts-0\" data-level=\"2\">Final thoughts<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-investment-risk-management\">What is investment risk management?<\/h2>\n\n\n\n<p>Investment risk management is the process of identifying, measuring, and mitigating factors that could cause your portfolio\u2019s performance to fall short of your goals.<\/p>\n\n\n\n<p>In professional portfolio management, this process helps wealth managers and investment firms balance potential returns with acceptable levels of volatility and downside risk.<\/p>\n\n\n\n<p>Risk management matters because investment goals are often tangible and time-bound. <\/p>\n\n\n\n<p>For instance, portfolios may be structured to fund retirement withdrawals, meet institutional mandates, or support long-term client financial goals.<\/p>\n\n\n\n<p>For wealth and asset management firms, risk management also involves maintaining clear visibility across portfolios, monitoring exposures, and ensuring investments remain aligned with strategy and compliance requirements. <\/p>\n\n\n\n<p>Reliable financial and portfolio data plays a key role in supporting these decisions.<\/p>\n\n\n\n<p>A sound approach to risk management in portfolio management includes five core components:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identify risks: <\/strong>what could go wrong and where you\u2019re exposed.<\/li>\n\n\n\n<li><strong>Measure exposure: <\/strong>how much damage each risk could cause.<\/li>\n\n\n\n<li><strong>Stress-test scenarios:<\/strong> what happens if a tough scenario hits.<\/li>\n\n\n\n<li><strong>Choose controls:<\/strong> diversify, rebalance, hedge, adjust allocation, and build cash buffers.<\/li>\n\n\n\n<li><strong>Monitor and adjust:<\/strong> review on a schedule and after major life changes.<\/li>\n<\/ul>\n\n\n\n<p>Think of it like running a business. You need to put systems in place so normal surprises don\u2019t turn into financial emergencies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-risk-relate-to-reward\">How does risk relate to reward?<\/h2>\n\n\n\n<p>Here\u2019s a simple truth: you usually don\u2019t earn higher long-term returns without taking some risks.<\/p>\n\n\n\n<p>For example, a stable job can offer predictable income but limited opportunities for growth. Changing or expanding your role can raise your earning potential, but it also comes with uncertainty. Investing works the same way.<\/p>\n\n\n\n<p>The key is understanding which risks can pay you for taking them:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Calculated risk: <\/strong>risk you take because you expect to be compensated over time, such as holding diversified stocks for long-term growth.<\/li>\n\n\n\n<li><strong>Uncompensated risk: <\/strong>risk you take without a clear payoff, such as concentrating too much money in one company because it feels familiar or safe.<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s a quick risk\u2013reward spectrum for different types of investments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cash:<\/strong> lowest volatility but high inflation risk.<\/li>\n\n\n\n<li><strong>High-quality bonds: <\/strong>moderate volatility, sensitive to interest rates and inflation.<\/li>\n\n\n\n<li><strong>Diversified stocks: <\/strong>higher volatility, stronger long-term growth potential.<\/li>\n\n\n\n<li><strong>Concentrated stock positions:<\/strong> higher potential growth, high single-company risk.<\/li>\n\n\n\n<li><strong>Alternatives: <\/strong>can diversify risk but often add complexity and liquidity constraints.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-types-of-investment-risks-matter-most\">Which types of investment risks matter most?<\/h2>\n\n\n\n<p>Key investment risks that you should be aware of and consider include risks related to market fluctuations, credit, liquidity, inflation, sequence-of returns, and diversification fails. <\/p>\n\n\n\n<p>You can\u2019t control the market, but you can control your exposure. <\/p>\n\n\n\n<p>Strong investment risk control starts with understanding which risks appear in your portfolio and how they affect your goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-market-risk\">Market risk<\/h3>\n\n\n\n<p>Market risk is the chance that an overall market will decline due to economic or financial conditions, such as a major index falling 20% over a few months.<\/p>\n\n\n\n<p>Common triggers include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest rate shocks<\/li>\n\n\n\n<li>Earnings slowdowns or recessions<\/li>\n\n\n\n<li>Geopolitical events<\/li>\n\n\n\n<li>Financial system stress and liquidity crunches<\/li>\n\n\n\n<li>Sudden shifts in investor sentiment<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-risk\">Credit risk<\/h3>\n\n\n\n<p>Credit risk is the chance that a borrower, such as a company or government, won\u2019t be able to pay interest or repay principal. <\/p>\n\n\n\n<p>For example, the value of a high-yield bond fund can drop when investors start to expect more companies within the fund to default.<\/p>\n\n\n\n<p>Watch for hidden credit risk, too. <\/p>\n\n\n\n<p>Some \u201cincome\u201d funds increase yield by holding lower-quality debt, which can start to behave more like stocks when markets decline.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-liquidity-risk\">Liquidity risk<\/h3>\n\n\n\n<p>Liquidity risk is the chance that you won&#8217;t be able to sell an investment quickly at a reasonable price.<\/p>\n\n\n\n<p>For example, some private funds require you to keep your money invested for years, while other niche assets may simply lack enough buyers to let you sell during a market crisis.<\/p>\n\n\n\n<p>Liquidity matters most for money you may need soon. If an upcoming expense is 12 to 24 months away, prioritize flexibility and access to your cash over squeezing out extra returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-inflation-risk\">Inflation risk<\/h3>\n\n\n\n<p>Inflation risk is the chance that rising prices will reduce your purchasing power over time. <\/p>\n\n\n\n<p>Imagine your savings account earns 4% while inflation runs at 5%; you\u2019re effectively experiencing a negative real return of about 1% in purchasing power each year.<\/p>\n\n\n\n<p>Inflation doesn\u2019t need to spike to cause damage. Steady, persistent inflation can quietly erode the value of your investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sequence-of-returns-risk\">Sequence-of-returns risk<\/h3>\n\n\n\n<p>Sequence-of-returns risk is the chance that a market downturn early in your withdrawal period will significantly reduce the longevity of your portfolio. <\/p>\n\n\n\n<p>While long-term average returns might look solid, the actual timing of those returns determines whether your money lasts. <\/p>\n\n\n\n<p>For example, if you start withdrawing for retirement, a sabbatical, a career break, or a major purchase during a downturn, you may lock in losses by selling when prices are down.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-correlation-risk-when-diversification-fails\">Correlation risk (when diversification fails)<\/h3>\n\n\n\n<p>Diversification usually helps to reduce risk, but it doesn\u2019t always protect you when you need it most. Correlation risk is the potential for diversified investments to all drop in value at the same time.<\/p>\n\n\n\n<p>This typically occurs during periods of extreme market stress when investors sell all types of assets to move into cash.<\/p>\n\n\n\n<p>Plan for periods where everything drops by maintaining an adequate cash cushion, rather than relying solely on a mix of different stocks and bonds to protect your principal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-you-measure-portfolio-risk\">How do you measure portfolio risk?<\/h2>\n\n\n\n<p>Metrics only matter if they help you make better decisions.<\/p>\n\n\n\n<p>In risk management in portfolio management, quantitative metrics help investment professionals measure exposure and move from intuition to a more data-driven investment risk control process.<\/p>\n\n\n\n<p>Portfolio managers often combine these metrics with <a href=\"https:\/\/www.sage.com\/en-us\/blog\/scenario-analysis-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">scenario analysis<\/a> to evaluate how portfolios might behave under different economic or market conditions.<\/p>\n\n\n\n<p>Portfolio management should include these metrics:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-standard-deviation\">Standard deviation<\/h3>\n\n\n\n<p>Standard deviation measures how much returns tend to swing away from the average over time. In other words, it captures volatility and gives you a sense of how bumpy the experience may feel.<\/p>\n\n\n\n<p>Use standard deviation to compare how volatile two investments or portfolios are. <\/p>\n\n\n\n<p>Just keep in mind that it won\u2019t fully reflect crash risk, and it won\u2019t show how withdrawals can magnify losses over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-beta\">Beta<\/h3>\n\n\n\n<p>Beta measures how closely an investment moves with the overall market. <\/p>\n\n\n\n<p>A higher beta generally means the investment rises and falls more than the market, while a lower beta tends to move less. The baseline beta is 1.0, which is when the investment moves with the market.<\/p>\n\n\n\n<p>This metric helps you spot hidden risk in seemingly safe investments. For instance, if a \u201cconservative\u201d fund has a high beta, it will drop just as sharply as stocks during a crash.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-value-at-risk-var\">Value at Risk (VaR)<\/h3>\n\n\n\n<p>VaR estimates the maximum expected loss over a defined time period at a given confidence level under normal market conditions.<\/p>\n\n\n\n<p>Treat VaR as a &#8220;reality check&#8221; for your cash reserves. <\/p>\n\n\n\n<p>If your VaR suggests the potential for a $10,000 drop and you don&#8217;t have that much cash on hand, you may be forced to sell at the worst possible time.<\/p>\n\n\n\n<p>One important caveat: VaR relies on model assumptions and often understates extreme events.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sharpe-ratio\">Sharpe ratio<\/h3>\n\n\n\n<p>The Sharpe ratio measures return per unit of risk. It basically tells you whether the returns you\u2019re getting are worth the stress you\u2019re taking on.<\/p>\n\n\n\n<p>Use it to compare strategies or funds with similar goals. <\/p>\n\n\n\n<p>If two options deliver similar returns, the one with the higher Sharpe ratio has historically produced those returns with less volatility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-proven-investment-risk-management-strategies\">What are proven investment risk management strategies?<\/h2>\n\n\n\n<p>A few tried-and-true investment portfolio risk management strategies can help you build your own simple, repeatable approach to financial growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-diversification\">Diversification<\/h3>\n\n\n\n<p>For many portfolio managers, diversification remains one of the most reliable investment portfolio risk management strategies because it reduces reliance on any single asset, sector, or economic outcome.<\/p>\n\n\n\n<p>Diversify your investments across:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Asset classes: <\/strong>stocks, bonds, cash, and alternatives.<\/li>\n\n\n\n<li><strong>Sectors and industries<\/strong><\/li>\n\n\n\n<li><strong>Geography:<\/strong> US and international.<\/li>\n\n\n\n<li><strong>Factors: <\/strong>value, quality, small cap (if relevant to your strategy).<\/li>\n\n\n\n<li><strong>Time:<\/strong> staged investing instead of investing all at once.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rebalancing\">Rebalancing<\/h3>\n\n\n\n<p>Rebalancing brings your portfolio back to your target allocations after markets move. <\/p>\n\n\n\n<p>It forces you to &#8220;sell high&#8221; (trimming assets that have grown) and &#8220;buy low&#8221; (adding to assets that have fallen) without relying on emotional timing or guesswork.<\/p>\n\n\n\n<p>You can take two different approaches to rebalancing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Calendar-based: <\/strong>rebalance quarterly or annually.<\/li>\n\n\n\n<li><strong>Threshold-based:<\/strong> rebalance when an allocation drifts by a set amount (for example, 5%).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dollar-cost-averaging\">Dollar-cost averaging<\/h3>\n\n\n\n<p>Dollar-cost averaging means investing a fixed amount on a regular schedule, regardless of what the market looks like. It helps you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reduce timing risk.<\/li>\n\n\n\n<li>Build consistency and discipline.<\/li>\n\n\n\n<li>Keep investing through periods of volatility.<\/li>\n<\/ul>\n\n\n\n<p>A simple example is automating monthly contributions into a retirement account or other long-term investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hedging-with-derivatives\">Hedging with derivatives<\/h3>\n\n\n\n<p>Hedging uses financial contracts to put a floor on how much you can lose. <\/p>\n\n\n\n<p>For example, you can pay for the right to sell a stock at a set price (a protective put) or offset that cost by capping your upside in return (a collar).<\/p>\n\n\n\n<p>Both approaches let you limit downside in specific situations without having to sell your position outright.<\/p>\n\n\n\n<p>That said, hedging adds cost and complexity, and it isn&#8217;t the right move for everyone. <\/p>\n\n\n\n<p>These strategies are more commonly used by institutional investors and portfolio managers with large or concentrated positions.<\/p>\n\n\n\n<p id=\"h-it-can-make-sense-when\">It can make sense when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You hold a concentrated position you can&#8217;t easily reduce.<\/li>\n\n\n\n<li>You&#8217;re close to a major goal and don&#8217;t have time to recover from a big loss.<\/li>\n\n\n\n<li>A significant drawdown would seriously derail your financial plan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-asset-allocation-and-diversification-work-together-in-risk-managed-investments\">How do asset allocation and diversification work together in risk-managed investments?<\/h2>\n\n\n\n<p>Asset allocation sets the overall risk level of your portfolio. Diversification fine-tunes that risk by spreading exposure across different return drivers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-balancing-different-asset-classes\">Balancing different asset classes<\/h3>\n\n\n\n<p>Asset allocation is how you split your portfolio across major asset classes. Each one plays a different role:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equities: <\/strong>your growth engine, with higher volatility.<\/li>\n\n\n\n<li><strong>Bonds: <\/strong>potential stability and income, but sensitive to interest rates and inflation.<\/li>\n\n\n\n<li><strong>Cash:<\/strong> liquidity and flexibility, but vulnerable to inflation over time.<\/li>\n\n\n\n<li><strong>Alternatives:<\/strong> potential for diversification, with complexity and liquidity that varies by investment.<\/li>\n<\/ul>\n\n\n\n<p>In many portfolios, your allocation strategy has a bigger impact on results than choosing individual holdings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-adjusting-for-time-horizon\">Adjusting for time horizon<\/h3>\n\n\n\n<p>Your time horizon is how soon you need the money, and it should shape how much volatility you accept.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0\u20132 years: <\/strong>prioritize liquidity and stability.<\/li>\n\n\n\n<li><strong>3\u20137 years: <\/strong>take a balanced approach and limit extreme swings.<\/li>\n\n\n\n<li><strong>7+ years:<\/strong> lean more into growth assets, supported by clear rebalancing rules.<\/li>\n<\/ul>\n\n\n\n<p>If you need to fund multiple goals, consider using multiple allocation strategies, such as one for near-term needs and another for long-term growth. <\/p>\n\n\n\n<p>This approach is common and helps you match risk to real timelines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-technology-improve-investment-risk-management\">How can technology improve investment risk management?<\/h2>\n\n\n\n<p>Technology doesn\u2019t remove market risk, but it can make your risk management process easier to follow and harder to ignore. <\/p>\n\n\n\n<p>The right tools help you monitor your portfolio, spot problems early, and stick to clear rules without spending your weekends buried in spreadsheets.<\/p>\n\n\n\n<p>For wealth and asset management firms, technology also plays an important role in investment risk control by connecting portfolio data, financial reporting, and operational systems in one place. <\/p>\n\n\n\n<p>This visibility helps investment teams monitor exposures across strategies and client portfolios more effectively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-automating-portfolio-monitoring\">Automating portfolio monitoring<\/h3>\n\n\n\n<p>Look for tools that help you track risk in plain language and in real time, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allocation drift alerts.<\/li>\n\n\n\n<li>Concentration warnings for a single stock or sector.<\/li>\n\n\n\n<li>Drawdown tracking.<\/li>\n\n\n\n<li>Rebalancing reminders.<\/li>\n\n\n\n<li>Concise, easy-to-read risk reports.<\/li>\n<\/ul>\n\n\n\n<p>Automation works especially well if you want to implement sound investment portfolio risk management strategies without manually updating spreadsheets and dashboards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ai-driven-forecasting\">AI-driven forecasting<\/h3>\n\n\n\n<p>AI adds the most value when it supports your decision-making process rather than trying to predict the market. <\/p>\n\n\n\n<p>Many investment firms now use <a href=\"https:\/\/www.sage.com\/en-us\/sage-ai\/\" target=\"_blank\" rel=\"noreferrer noopener\">AI-driven tools<\/a> to analyze large datasets, monitor portfolio exposures, and identify emerging risks faster.<\/p>\n\n\n\n<p>Use it to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Run scenario models faster.<\/li>\n\n\n\n<li>Detect anomalies, such as allocation drift or unusual correlation changes.<\/li>\n\n\n\n<li>Summarize news and sentiment into signals you can validate.<\/li>\n<\/ul>\n\n\n\n<p>Let it inform your risk controls, not push you into prediction-based bets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investment-risk-management-faqs\">Investment risk management FAQs<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777476661377\"><strong class=\"schema-faq-question\">What is the 10\/5\/3 rule of investment?<\/strong> <p class=\"schema-faq-answer\">The 10\/5\/3 rule is a simple planning shortcut that assigns expected returns to broad asset types, often 10% for stocks, 5% for bonds, and 3% for cash.<br><br>Treat it as a rough baseline for back-of-the-napkin planning, not a reliable forecast. Real-world returns vary due to factors like time, inflation, and market conditions.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777476695888\"><strong class=\"schema-faq-question\">What is the 70\/30 rule in investing?<\/strong> <p class=\"schema-faq-answer\">The 70\/30 rule usually describes a portfolio mix, such as 70% growth assets (often stocks) and 30% stabilizers (often bonds and cash).<br><br>It can be a reasonable starting point for an investment strategy, but the right split depends on your timeline and goals and how much drawdown you can realistically tolerate.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777476724784\"><strong class=\"schema-faq-question\">How often should I review my investment risk management plan?<\/strong> <p class=\"schema-faq-answer\">Review your plan about once a quarter, and revisit it whenever your situation changes, such as a new job, move, major purchase, or financial responsibility. Focus on staying aligned with your goals rather than making frequent small tweaks.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777476746760\"><strong class=\"schema-faq-question\">Can small businesses benefit from investment risk management?<\/strong> <p class=\"schema-faq-answer\">Yes. Even if your business doesn\u2019t run a formal investment portfolio, you still manage financial risk through cash reserves, growth spending, and retirement plans. A risk management mindset helps you protect liquidity, avoid overconcentration, and prepare for disruptions without freezing growth.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777476802645\"><strong class=\"schema-faq-question\">Do I need a financial advisor for investment risk management?<\/strong> <p class=\"schema-faq-answer\">Not always. You can manage risk on your own if you follow a clear process and use tools that help you stay consistent. An advisor can add value if you want accountability, planning support, or specialized guidance. <br><br>Either way, you benefit from understanding the strategy so you can evaluate decisions with confidence.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts-0\">Final thoughts<\/h2>\n\n\n\n<p>Investment risk management works best as a system. Clear rules, scenario stress tests, and consistent monitoring help you stay in control when markets get noisy. <\/p>\n\n\n\n<p>They also keep you from making reactive decisions that derail long-term progress.<\/p>\n\n\n\n<p>As your financial life gets more complex, managing risk gets harder to do in your head. Multiple income streams, taxes, business activity, and competing goals all add friction. <\/p>\n\n\n\n<p>When you connect your financial picture in one place, you can spot risks sooner, evaluate trade-offs faster, and apply risk management investment strategies with more confidence.<\/p>\n\n\n\n<p>Ready to make risk management easier to maintain? <\/p>\n\n\n\n<p>Explore <a href=\"https:\/\/www.sage.com\/en-us\/industry\/financial-services\/wealth-and-asset-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">investment accounting software<\/a> from Sage to bring portfolio data, reporting, and financial oversight into one connected system\u2014helping you monitor investment risk more clearly and make more informed decisions.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to our Sage Advice Newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get our latest business advice delivered directly to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-ab515c6e-7e90-4c2f-a67e-113872516e8b\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1073797282-1440x810.jpg\" class=\"single-cta__image\" alt=\"Working from home with tea in hand\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1073797282-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/boss-your-business\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBoss your business\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/business-continuity\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness Continuity\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/business-intelligence\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness intelligence\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/business-strategy\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tBusiness strategy\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/productivity\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tProductivity\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/staying-competitive\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tStay competitive\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-29306 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-strategy-legal-operations tag-accounting-101 tag-boss-your-business tag-business-continuity tag-small-business business_type-small-business card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1415809513-1215x810.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1415809513-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1415809513-768x512.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1415809513-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-12T10:24:32-04:00\">June 12, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/what-is-a-purchase-order\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tWhat is a purchase order (PO) and how is it used?\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tIf your business buys from suppliers, purchase orders are one of the most important controls you have. Learn what a purchase order includes, how it works, and when to use each type.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-29310 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations category-technology-innovation tag-artificial-intelligence tag-automation tag-boss-your-business tag-cash-flow tag-cloud-financial-management tag-sage-accounting business_type-small-business business_type-growing-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/order-to-cash-process-otc-o2c\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1190223207-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1190223207-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1190223207-768x512.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1190223207-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-10T12:23:35-04:00\">June 10, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is the Order to Cash process?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-29062 post type-post status-publish format-standard has-post-thumbnail hentry category-strategy-legal-operations tag-boss-your-business tag-business-intelligence tag-growing-a-business tag-inventory-management tag-productivity tag-staying-competitive tag-supply-chain-management business_type-small-business business_type-growing-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/what-is-an-order-management-system-oms\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1417607997-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1417607997-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1417607997-768x512.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1417607997-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-10T10:25:03-04:00\">June 10, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">19 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is an order management system?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-28210 post type-post status-publish format-standard has-post-thumbnail hentry category-growth-customers category-strategy-legal-operations tag-boss-your-business tag-business-intelligence tag-business-strategy tag-distribution tag-growing-a-business tag-inventory-management tag-productivity tag-supply-chain-management business_type-small-business business_type-growing-business industry-distribution industry-wholesale-distribution\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/what-is-order-processing\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-841574854-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-841574854-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-841574854-768x512.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-841574854-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-02T11:22:21-04:00\">June 2, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">19 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tOrder processing explained: Steps, systems and best practices\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-28775 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-strategy-legal-operations tag-business-strategy tag-cash-flow tag-growing-a-business tag-small-business business_type-small-business business_type-growing-business industry-nonprofit\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/peer-to-peer-fundraising-best-practices\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1414263386-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1414263386-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1414263386-768x512.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1414263386-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-02T05:54:37-04:00\">June 2, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">15 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tPeer-to-peer fundraising guide: Best practices for success\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Managing investments means managing risk. When you understand the most common risks and strategies to control them, you can build a portfolio that supports your goals and holds up through market swings.<\/p>\n","protected":false},"author":1847,"featured_media":13536,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"footnotes":""},"categories":[44],"tags":[195,399,4,170,272,155],"business_type":[40,41],"lilypad":[],"context":[],"industry":[57],"persona":[100,98,96,97],"imagine_tag":[242,603,440,233,230],"coauthors":[592],"class_list":["post-36359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy-legal-operations","tag-boss-your-business","tag-business-continuity","tag-business-intelligence","tag-business-strategy","tag-productivity","tag-staying-competitive","business_type-small-business","business_type-growing-business","industry-financial-services"],"sage_meta":{"region":"en-us","author_name":"Joe Church Woods","featured_image":"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/12\/BrandShootSA_Apr2022_Finance_0933-JPG-Sage-Advice.jpeg","imagine_tags":{"242":"Financial services","603":"High Performance Financials","440":"Intacct Financial Services","233":"Medium Businesses","230":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice US","distributor_original_site_url":"https:\/\/www.sage.com\/en-us\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts\/36359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/users\/1847"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/comments?post=36359"}],"version-history":[{"count":5,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts\/36359\/revisions"}],"predecessor-version":[{"id":36372,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts\/36359\/revisions\/36372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/media\/13536"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/media?parent=36359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/categories?post=36359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/tags?post=36359"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/business_type?post=36359"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/lilypad?post=36359"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/context?post=36359"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/industry?post=36359"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/persona?post=36359"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/imagine_tag?post=36359"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/coauthors?post=36359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}