What’s your investing style?

Some people love a good spreadsheet. Others go with their gut. Some worry about every market dip, while others see it as an opportunity to invest more. 

These can be clues to your investor style or personality – how you approach investing. 

Of course, it’s not about fitting into a box, but rather knowing what makes you tick, so you can: 

  • Make investment decisions that align with your values
  • Avoid common behavioural ‘traps’
  • Build a strategy that feels right for your needs and goals

So, what kind of investor might you be? And what influences it?

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Some key factors are at play

Your investor style is shaped by a mix of personal preferences, circumstances and goals. 

Here are some key ingredients:

  • Investment horizon – How long before you need to access your money?
  • Risk appetite – How do you feel about market ups and downs?
  • Risk tolerance – How much risk can you afford to take, based on your situation?
  • Level of involvement – Do you want to be hands-on or hands-off?

Now, let’s dive into some traits that we often come across. 

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Five common investor traits

Please note: You might identify strongly with one or a mix of multiple types.

The preserver

You value security and want to protect what you’ve built. Investment risk makes you uneasy, and you tend to be thoughtful and deliberate, especially during market downturns. 

If you still have a medium or long-term horizon (for example, you don’t need to access your funds for 10+ years), a fear of losing ground can sometimes keep you from making the most of long‑term growth opportunities.

If, on the other hand, you’re nearing retirement or will need access to your funds sooner, your caution can work in your favour, helping you minimise unnecessary volatility. 

You value: Capital preservation, peace of mind, steady returns.

Watch out for: Focusing too much on short-term performance, missing out on potential growth.

The follower

You don’t love managing investments, and that’s okay. You’re happy to follow expert guidance or go with what others are doing. 

And here’s the catch. Followers often struggle with analysis paralysis or lean too heavily on ‘hot tips.’ Remember: what works for others may not work for you. You might benefit from a clear long-term plan and an adviser who can filter the noise and help you stay on track.

What you value: Simplicity, guidance, trusted opinions.

Watch out for: Chasing trends, overestimating your risk tolerance, and missing a long-term strategy. 

The independent

You like to dig in, do your own research and form your own views. As long as you understand it, risk doesn’t concern you.

Independent investors tend to be curious, analytical and self-directed. You enjoy the process, but sometimes the same confidence can get in the way. Working with an adviser who respects your input, while offering a second lens, can help you find a good balance.

What you value: Autonomy, in-depth knowledge, calculated risks.

Watch out for: Acting too quickly, overconfidence, brushing off professional advice.

The accumulator

You’re focused on growing wealth and believe you can do it. You’ve had success in your business or your career, and now you’re applying that mindset to your investments.

Accumulators are often proactive and hands-on, preferring to drive the investment decisions themselves. This determination can be a strength, but too much tinkering may also work against your long-term goals. A structured plan (with room for tactical plays) can help you stay focused. 

What you value: Control, results, high performance.

Watch out for: Excessive risk-taking, under-diversifying.

The planner

You want a plan and a purpose behind every decision. For you, investing is not a sprint but a marathon. 

Planners can be future-focused and thoughtful. You like to know how every investment fits into the bigger picture. The key is making sure your plans remain flexible, and that your portfolio evolves as your life does. 

What you value: Balance, goal alignment, future certainty.

Watch out for: Perfectionism, indecision, rigid expectations. 

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Why this matters

Investor behaviour plays a bigger role in outcomes than you might think. The market is unpredictable, but the way you respond to it can be shaped and supported.

Recognising your style can help you:

  • Set clearer goals.
  • Diversify your portfolio appropriately. 
  • Reduce emotional decision-making.
  • Make the most of professional investment advice.

And remember, your style may shift over time. Life changes, goals change, and so can your risk appetite. That’s why it’s crucial to review things regularly.

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Not sure where you fit? That’s okay

You don’t have to figure it all out alone. Your Invest Link adviser can help you understand your options, clarify your goals and build a tailored strategy, just for you. 

Let’s talk about where you are today – and where you want to go.

Disclaimer: The information provided in this article is intended for general informational purposes only and does not constitute financial advice. Every individual’s financial situation is unique, and financial decisions should be made based on your specific circumstances and goals. We recommend consulting with a qualified financial adviser before making any investment, insurance, or mortgage-related decisions.  

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