time horizon vs req'd return to determine risk ability

Is time horizon or required return more important to determine an individual’s ability to take risk? Is there a steadfast rule or is it a judgment call?

judgement call. it is ALMOST the case that Long time horizon = above average risk tolerance. But you hav eto watchout for phrases like “cannot reduce expense” and portfolio contributions being a significant part of person’s living expense. At this point i would call it average. I would never call long horizon person ability ‘below average’ IMHO