Fitting your investor profile
After ensuring that your investment strategy meets your personal goals and your risk profile (see table below) your account officer will be able to help you define and personalise the solutions that meet your expectations in terms of return, risk and length of investment.
« What sort of investor are you? »
A clear indicator makes it possible to analyse and highlight the risk elements linked to each solution or issue that we structure. This risk indicator, used especially for structured products, has four levels:
To determine the indicator, 6 components are analysed:
|Major risk components|| |
- capital protection: determined by the percentage of capital protected at maturity and by the guarantor’s rating;
- level of inherent risk: based on the product’s sensitivity to risks linked to interest rates, exchange rates, share/raw material prices and inflation, linked to the issue;
- liquidity: determined by the number of available market makers.
|Risk adjustment components|| |
- volatility: price fluctuation of the underlying risk factor over a given period;
- complexity: depends on the availability of appropriate information on the product’s complexity;
- maturity: impact of inflation on non-inflation-linked products.
This indicator is systematically repeated on the information sheets for each product. It is placed in perspective with the length and target of the investment which characterise the suggested solution.