Risk capacity is how much loss you can absorb financially. Risk tolerance is how much you can absorb psychologically. The lower of the two governs your allocation.

Risk Capacity vs Tolerance\n\n

This article provides educational information about the Swiss financial system. It does not constitute regulated financial, investment, pension, or tax advice. Navinua is a financial planning support tool operating outside the scope of regulated advice under FinSA/FIDLEG. Swiss figures are correct for 2026 — verify against the Navinua Assumptions Register for subsequent years.

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