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Napkin Risk ToleranceVideo

Account Id: 4394098893001

Player Id: bb60d070-b695-4c55-9162-a421ad370a53

Video ADA Text: Napkin Finance: Risk Tolerance video

Transcript Browser Title: Video transcript: Napkin Finance: Risk Tolerance - What kind of ride do you want from investing?

Description: Risk tolerance. In investing, it helps you decide whether you should hold slow and steady investments or ones that will take you for a more intense ride.

English

Video Id: 6257805411001

Audio Description Video Id: 6257805803001

Length (seconds): 130

Transcript: <h2>Note:</h2> <p>This video uses text and infographics, presented as napkin sketches, to illustrate and reinforce spoken content.</p> <p>Legal disclosures appear.</p> <h2>Text on screen:</h2> <p>Investment and insurance products:</p> <ul> <li>Not a deposit</li> <li>Not FDIC insured</li> <li>Not insured by any federal government agency</li> <li>No bank guarantee</li> <li>May lose value</li> </ul> <h2>Note:</h2> <p>Bouncy music plays.</p> <h2>On Screen:</h2> <p>J.P. Morgan Wealth Management logo.</p> <h2>Text on screen:</h2> <p>Risk Tolerance</p> <h2>On Screen:</h2> <p>A large white napkin is on a table with a coffee cup, notebook, mobile phone, computer keyboard. Text and infographics appear, as napkin sketches, to illustrate and reinforce spoken content.</p> <h2>Note:</h2> <p>A jazzy subdued melody plays.</p> <h2>Text on screen:</h2> <p>Risk Tolerance - What kind of ride do you want from investing?</p> <h2>On Screen:</h2> <p>The word, “ride” is underlined.</p> <h2>Narrator:</h2> <p>Risk tolerance. What kind of ride do you want from investing? In investing, it helps you decide whether you should hold slow and steady investments or ones that will take you for a more intense ride.</p> <h2>On screen:</h2> <p>A drawing of a wavy line appears beneath the words: Risk Tolerance. The waves increase in intensity.</p> <h2>Text on screen:</h2> <p>Consider these factors...</p> <h2>Narrator:</h2> <p>There are three main factors that go into determining your risk tolerance. Your time horizon. How long you plan to hold onto your investments. Do you need your money in one or two years or will you hold your investments for decades?</p> <h2>On Screen:</h2> <p>Drawings of arrows point to three different napkin sketches. The first one shows the words &quot;Time Horizon,&quot; written in blue - with a drawing of a stop watch versus a yearly calendar.</p> <h2>Narrator:</h2> <p>Your goals. What are the specific goals you have for investing? Will this money be used for a home purchase, retirement or something else?</p> <h2>On Screen:</h2> <p>The second arrow points to the word, “Goals” - written in blue - with a drawing of a house, versus a beach with a sign post pointing towards &quot;retirement.&quot;</p> <h2>Narrator:</h2> <p>Your risk appetite. How much risk are you comfortable with? You only want to own investments that you can live with, even when the market hits some turbulence and values drop.</p> <h2>On Screen:</h2> <p>The third arrow points to the words, “Risk Appetite” - written in blue - with a drawing of a pair of dice versus a vault.</p> <h2>Text on screen:</h2> <p>When choosing your investments…</p> <h2>Narrator:</h2> <p>Your portfolio should take on the amount of income growth and risk that's right for you.</p> <p>Investments come with different levels of risk. For example, cash gives you a gentle ride. But just like walking, it might not always get you where you need to go. It can also lose value to inflation over time.</p> <h2>On Screen:</h2> <p>A drawing of a wallet labeled &quot;cash.&quot; Below the wallet, a man walks on a gentle wavy line.</p> <h2>Narrator:</h2> <p>Fixed income. Bonds generally give a smoother ride than stocks but, returns primarily generate from income. But just like a bicycle, they can hit the occasional wobble. And, they're not immune to suffering losses.</p> <h2>On Screen:</h2> <p>A drawing of a certificate labeled &quot;fixed income.&quot; Below the certificate, a bicycle rides on a more wavy line.</p> <h2>Narrator:</h2> <p>A diversified portfolio. A portfolio made up of a mix of stocks and bonds can offer more growth than bonds alone, but with less turbulence than a portfolio of just stocks, with returns coming from a combination of income and growth. Many investors find this in their comfort zone, like taking a drive in a sensible car.</p> <h2>On Screen:</h2> <p>A drawing of a certificate labeled &quot;diversified portfolio.&quot; Below the certificate, a car drives on an even more wavy line.</p> <h2>Narrator:</h2> <p>Stocks. Like an airplane ride, stock prices can go through some choppy ups and downs but can offer higher longer term potential growth than the alternatives.</p> <h2>On Screen:</h2> <p>A drawing of a certificate labeled &quot;stocks.&quot; Below the certificate, an airplane flies through turbulence above a choppy, wavy line.</p> <h2>Narrator:</h2> <p>One important note is that taking on less risk may earn you lower returns and, taking on more risk may earn you greater returns.</p> <h2>On Screen:</h2> <p>The text, &quot;Lower risk return&quot; appears under the drawings of the walking man (cash) and the bicycle (fixed income.) &quot;Higher risk returns,&quot; appears under the car (diversified portfolio) and the plane (stocks).</p> <h2>Narrator:</h2> <p>Once you understand your risk tolerance, you can put together a portfolio that's right for you.</p> <h2>Text on screen:</h2> <p>Powered by Napkin Finance.</p> <h2>On Screen:</h2> <p>J.P. Morgan Wealth Management logo.</p> <h2>Note:</h2> <p>Legal disclosures appear.</p> <h2>Text on screen:</h2> <p>Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.</p> <p>Asset allocation/diversification does not guarantee a profit or protect against a loss.</p> <p>In general, the bond market is volatile and bond prices rise when interest rates fall and vice versa. Longer term securities are more prone to price fluctuation than shorter term securities. Any fixed income security sold or redeemed prior to maturity may be subject to substantial gain or loss. Dependable income is subject to the credit risk of the issuer of the bond. If an issuer defaults no future income payments will be made.</p> <p>The price of equity securities may rise or fall due to changes in the broad market or changes in a company's financial condition, sometimes rapidly or unpredictably. Equity securities are subject to &quot;stock market risk&quot; meaning that stock prices in general may decline over short or extended periods of time.</p> <p>This video and its content have been developed for J.P. Morgan Securities LLC clients and prospects, is for informational and educational purposes only, and is designed to provide general market commentary and information relating to certain services offered by J.P. Morgan Securities LLC, an affiliate of JPMorgan Chase &amp; Co. Opinions expressed herein are those of the author and may differ from those of other J.P. Morgan employees and affiliates. The information in no way constitutes J.P. Morgan research and should not be trusted as such. Further, the views expressed herein may differ from that contained in J.P. Morgan research reports.</p> <p>The information and views expressed are not intended to provide specific advice or recommendations for any individual. You should carefully consider your needs and objectives before making any decisions. For specific guidance on how this information should be applied to your situation, you should consult your Advisor.</p> <p>J. P. Morgan Wealth Management is a business of JPMorgan Chase &amp; Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA, and JPMCB are affiliated companies under the common control of JPMorgan Chase &amp; Co. Products not available in all states.</p> <p>Copyright {{copyrightCurrentYear}} JPMorgan Chase &amp; Co.</p>

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