Asset Allocation & Risk
What is mental accounting?
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Mental accounting is the tendency to divide money into different mental accounts, valuing the same amount differently and spending or investing it differently as a result.
In investing, it can show up as tallying gains and losses separately for each stock and losing sight of the portfolio as a whole. It helps to view all your assets as a single portfolio and manage its overall risk.
This answer is general financial information as of 14.10.2026, not investment advice. Rules and tax rates change, so please also check the latest guidance from the source institution.
