Functional brain network properties correlate with individual risk tolerance in young adults.

Background: Individuals differ substantially in their degree of acceptance of risks, referred to as risk tolerance, and these differences are associated with real-life outcomes such as risky health-related behaviors. While previous studies have identified brain regions that are functionally associated with individual risk tolerance, little is known about the relationship between individual risk tolerance and whole-brain functional organization. Methods: This study investigated whether the topological properties of individual functional brain networks in healthy young adults (n = 67) are associated with individual risk tolerance using resting-state fMRI data in conjunction with a graph theoretical analysis approach. Results: The analysis revealed that individual risk tolerance was positively associated with global topological properties, including the normalized clustering coefficient and small-worldness, which represent the degree of information segregation and the balance between information segregation and integration in a network, respectively. Additionally, individuals with higher risk tolerance exhibited greater centrality in the ventromedial prefrontal cortex (vmPFC), which is associated with the subjective value of the available options. Conclusion: These results extend our understanding of how individual differences in risk tolerance, especially in young adults, are associated with functional brain organization, particularly regarding the balance between segregation and integration in functional networks, and highlight the important role of the connections between the vmPFC and the rest of the brain in the functional networks in relation to risk tolerance.