4 Basic Investor Personality Types – Which One Are You?



Before beginning to invest in the stock market, the investor needs to understand how they handle gains and losses that come with passive income. Some investors are “negative nellies” because they fear a downturn of stocks at every corner. These investors will have more bond allocation than stocks, and their stock portfolio will tend to be more in household staples and blue-chip stocks. Some investors are “perma-bulls” which means they are permanently bullish on stock market returns even in clear evidence of instability. However, accumulators can handle the pressure big-time and they can generate higher than average returns by putting themselves at risk.

Related: Is Withholding Investing Knowledge a Form of Protection?

Four Investor Characteristics:


Financial wet blankets. My husband and I are both preservers. We hold large sums of cash as our “emergency fund” primary because we end up collecting (like squirrels for winter) money since we hesitate almost any sudden financial movements until we’re near certain – the sad part is – nothing is certain.


Perma-bull types. Accumulators are usually natural born leaders. They are quick to pounce and confident enough to sway others in the process. Overconfidence can be proven to be some accumulators’ undoing.


Combine the uncertainty of the preservers with the greed of accumulators and you have followers. They tend to be the victims of ludacris runaway bubbles. These investors rely on peer influence than their own financial research. Followers are usually the ones left holding the baggage when the music stops.


Highly methodical investors who demonstrate a strong understanding of finance and is able to stake a bet on it. Individuals are your doctors, engineers and successful business owners with a high attention to detail. They do not the second guess because they did their homework already. This can lead to overconfidence because individualists can unknowingly create feedback loops that are self-fulfilling.

4 Types of Investor Personalities

Like I’ve mentioned before, my husband and I are preservers. It would seem like he has all the talents of an individualist just like his father and his grandfather but with one large exception. Anxious personality and a bias against action.

Hey, no love lost here. I’m the same way. We’re both careful people which comes with its own set of pros and cons.

It’s also important to note that everyone can be a varying degree of more than one archetype on a continuous spectrum with none completely adept at failure. For example: if a follower gets lucky enough following the right people, he could make some decent chump change with little work.

I made a pretty graphic for your entertainment. It took me hours (for reasons directly related to my darling husband trying to distract me). The full size is available on the freebies tab if you need 800 x 2000 HD.

So, which investor personality type(s) are you? Drop a comment below!

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