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In praise of the (above) average investor (cont.)
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The key to defining your HP investor profile, and your portfolio choice, isn’t necessarily age or martial status or even your income bracket, as the Harris people would have us believe. It’s largely a matter investment knowledge and time horizons.

Here are some guidelines:

The aggressive HP investor generally has:

• An excellent understanding of financial markets and investment principles, including the benefits of passive over active management (a trait shared by all HP investors).
   
• An investment time horizon of 10-15+ years.
   
• A tolerance for very short-term fluctuations, understanding that broad asset allocation reduces relative investment risk over time while optimizing performance.
   

The moderate HP investor (neutral portfolio) generally has:

• An equally strong grasp of markets and principles, but with a somewhat shorter time horizon – on average, 8 years.

The conservative (or balanced) HP investor has:

• A more limited time horizon, around five years.

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