Raluca Filip, CFA: Helping Investors Navigate Risk, Volatility, and Second Thoughts

About this episode

Raluca Filip discusses how market volatility affects investor risk tolerance and offers strategies for advisors to support clients during emotional decision-making.

Market volatility and relentless news cycles can cause even confident investors to second-guess their risk tolerance. Raluca Filip, CFA, joins guest host Cathy Scott to explore why clients hesitate, reverse decisions, or suddenly reassess their appetite for risk — and how advisors can respond in those pivotal moments. Drawing on her work with financial professionals, Filip explains the psychology behind shifting risk perceptions, particularly among investors shaped by prolonged bull markets. She highlights the gap between imagining a downturn and actually living through one, and why traditional risk questionnaires often fall short when emotions take hold. The conversation offers practical strategies to help advisors guide clients through hesitation and emotional reversals, support better decision-making under pressure, and strengthen long-term trust in the advisory relationship.

People in this episode

Host: Cathy Scott

Guest: Raluca Filip

Topics covered

• risk tolerance
• market volatility
• investor psychology
• financial advising
• decision-making

Keywords

• risk perception
• investor hesitation
• bull markets
• financial professionals
• advisory relationship

Mentioned in this episode

Organizations: CFA Institute

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