Episode
Why Do You Invest?
- Podcast
- Money & Taxes from Bb to XYZ
- Published
- Jul 23, 2026
- Duration seconds
- 1013
- Processing state
not_requested- Canonical source
- https://www.financialplanningfortcollins.com//why-do-you-invest
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Summary
In this episode of Money and Taxes from Bb to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explore one of the foundational questions of financial planning: Why do you invest? Using investment risk as the starting point, they explain that risk isn’t simply about stock prices rising and falling; it also includes factors like liquidity, inflation, savings rates, income needs, and the possibility of not reaching your financial goals. They distinguish between risk tolerance (the amount of investment risk you’re willing to accept) and risk capacity (the amount of risk your financial circumstances can reasonably support), then show how those concepts drive asset allocation and even where investments should be held for maximum tax efficiency. Takeaways Understand your risk tolerance first. Determine how much investment risk you’re personally comfortable taking before choosing an investment strategy. Evaluate your risk capacity. Your timeline, financial goals, available resources, liquidity needs, and overall circumstances may require you to take more (or less) risk than your tolerance alone suggests. Match investments to the right accounts. Once your asset allocation is determined, use asset location strategies by placing growth and income-producing investments in the most tax-efficient account types to maximize long-term results. Have a question for the show? Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The informati…