It is personality factor which means doing things even before being told

Initiative.

Explanation:

Initiative is a personality factor which means doing things even before being told.

This ultimately implies that, an initiative refers to the ability of an individual to act by himself or herself without getting any instruction from anybody.

Initiative connotes the personality factor that influences an individual to perform an action or task without being told, urged, compelled or forced to do so.

answer; ///decision making under risk;

answer; a set of mutual funds with similar risk characteristics to your mutual fund;