Being bold wisely: neural substrates underlying ability to exploit risk.

Nothing ventured, nothing gained. To succeed one must take risks, and more importantly, take risks wisely, which depends on individual ability to exploit risk. Here, we explore neural substrates for the ability to exploit risk by using voxel-based morphometry (VBM). First, we carried out structural magnetic resonance imaging and measured individual risk-taking propensity and corresponding earnings by administrating the Balloon Analogue Risk Task in 1,389 participants. Behavior analysis revealed an inverted-U-shaped relation between risk-taking propensity and earnings, that earnings initially increased and then decreased as risk-taking propensity increased. Then individual ability to exploit risk was estimated by calculating the difference between individual actual earnings and the average earnings of the group at the same level of risk-taking propensity. VBM analysis revealed that individual ability to exploit risk was positively correlated with the gray matter volumes of three clusters located in the right orbitofrontal cortex, left dorsolateral prefrontal cortex (dlPFC), and right dlPFC, respectively. These findings highlight the neural substrates for the ability to exploit risk and implicate that precise valuation, adaptive learning, and self-control may underpin the ability to exploit risk, which expand our understanding of the ability to exploit risk and its neural substrates.