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. This isn't wise.The amount and time horizon of each goal should form part of a comprehensive assessment of risk capacity; an investor’s goals should already be accounted for in any good assessment of the risk the investor is able to take.A high risk required, i.e. a high reliance on growth in one’s investments to meet one’s goals, is actually a sign of low risk capacity, and should logically lead to a reduction in risk. A low risk required may indicate that you don’t need to take as much risk, but equally, it could mean you haven’t fully accounted for how your spending needs and aspirations may change.