11.   For those with even higher risk tolerances, stock and bond funds are next.

12.   How we exploit them depends on our risk tolerance.

13.   If you have a high risk tolerance, gravitate toward U.S. and foreign stocks, he said.

14.   If you have a low risk tolerance, stick with bonds.

15.   Investors pick one that fits their age, income, risk tolerance and other factors.

16.   Investors should make their decisions based on long-term goals and personal risk tolerance, not on short-term market swings, he said.

17.   Investors complete a questionnaire, providing tax and financial information, describing their risk tolerance and outlining their personal goals.

18.   Joseph M. Belth, a retired insurance professor from Indiana University who publishes a newsletter on insurance ratings, said prospective customers should gauge their own risk tolerance.

19.   Most online brokers offer a variety of Web-based tools to help customers pick individual investments and put together a portfolio appropriate for their circumstances and risk tolerance.

20.   My risk tolerance in medium.