The Answer:

Gender has a substantial effect on someone's tendency to make risky choices, with men often holding about 3 times as much in risky assets compared to women. Age also appears to be an important factor, but this is diminished by the accompanying increase in wealth as a person ages. Religious beliefs do not appear to make a substantial difference in a person's tendency to take risks in the stock market. A person's wealth has a dramatic effect on their risk aversion index, and the large differences in behavior among income brackets largely account for the differences among people in different age brackets. Genetics and physical traits account for about 30 percent of the differences not accounted for by wealth and gender. The Church approves of investing as a means of financial stability, and both the Gospels and the New Testament letters endorse it as a means of glorifying God. After all of this research, I have concluded that gender and wealth are the biological and psychological factors most responsible for an individual's tendency to make risky decisions in the stock market.