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If you start with high risk capacity, then after a fall in the markets your capacity gets even higher. If you start with low capacity, then lower market values means an even lower capacity.

Risk is not about the journey; it's about where you could end up. It is the risk of money not being there when it's needed, reflecting both the chance and the severity of poor returns.

A focus on the boxes to be ticked rather than the reasons the boxes exist can lead to laws being followed at the expense of meeting the very outputs the laws are there to produce.

If the risk that you're willing and able to take is not enough to get you to your goals, then any use of 'risk required' implies taking more risk than you're either able or willing to do.