Never have uncompensated investment risk in your portfolio. To shorten a difficult explanation: if your current portfolio has an investment risk score of 60, are similar portfolios available with the same risk score but with higher back tested returns? If the answer is yes, then you had uncompensated investment risk. You ask – how do I determine that? The simple answer is you must ensure that your team includes a person or persons who follows that rule. If this approach is a new concept to you, your current team may have received compensation that did not deliver the appropriate value.