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Investor Profile

How do you think
about your future?

There are no right or wrong answers. We want to understand how you naturally behave, so we can build an investment plan you will be committed to for decades.

10 questions
·
5 minutes
·
Confidential

Financial Profile

Question 1 of 12
When will you need to access this capital you plan to invest, or a significant part of it?
Within the next 3 years
I have foreseeable needs in the short term

Between 3 and 7 years
I can wait, but want some flexibility

Between 7 and 15 years
Medium to long-term horizon

15 years or more
This capital is for the long run: retirement, financial freedom, or inheritance

Question 2 of 12
What is your main goal with this investment?
Preserve capital
Not losing is more important than gaining a lot

Generate regular income
I want the investment to produce consistent annual returns

Grow my wealth in a balanced way
I accept some volatility if the long-term result is solid

Maximise long-term growth
I am willing to endure difficult years for the final result

Question 3 of 12
What type of financial products have you invested in before?
You can select more than one option
Bank deposits or savings accounts

Investment funds or pension plans

Shares or ETFs

Bonds directly

Derivatives, structured products or cryptocurrencies

Financial Situation

Question 4 of 12
Besides this investment, do you have a financial reserve for unexpected expenses?
I do not have a separate reserve
This capital represents most of my savings

I have between 3 to 6 months of expenses readily accessible
I have some buffer but not much

I have more than 6 months of expenses in liquid form
I am comfortable with my liquidity situation

I have ample liquidity and other income sources
This capital is surplus that I can invest without immediate need

How You Make Decisions

Question 5 of 12
When you see a product with a 30% discount that you did not immediately need, what do you do?
Your instinctive reaction, not the rational one
I walk past it. If I did not need it, I do not buy it.
Price does not change the need

I think about it. If it makes sense, I take advantage.
Depends on the product and the saving

I buy it. It is an opportunity that will not come again.
Taking the discount is a rational decision

Question 6 of 12
Your savings have been sitting in a bank account for six months. How do you feel?
At ease. I prefer to have liquidity and security.
Knowing it is available is worth more than the return

A little restless. I know I should do something.
But I have not found anything convincing yet

Worried. Inflation is eating away at the value in real time.
Idle capital is capital losing purchasing power

Risk Tolerance

Question 7 of 12
Your portfolio is worth 50,000 euros. During a crisis week, it drops to 38,000 euros. What do you do?
12,000 euros less in 7 days. Imagine this happens tomorrow morning.
I sell everything. I would rather lose less than risk losing more.
I exit while I still have control

I get nervous but do nothing. I hope it recovers.
I know I should not react, but it is hard not to think about it

I stick to the plan without much worry. Crises pass.
Ja esperava por isto. Faz parte do processo.

I see it as an opportunity. I invest more while it is cheap.
The best purchases are made during crises

Question 8 of 12
What is the maximum loss you could accept in a year without wanting to exit the investment?
Not what you think is rational. What you can truly withstand.
Up to 5%. Above that I would be very worried.

Up to 10%. It is a lot but I could stay calm.

Up to 20%. I trust the long-term process.

More than 20%. Volatility does not worry me if the horizon is long.

Question 9 of 12
You read a headline: “Experts recommend waiting to invest due to geopolitical instability.” What do you think?
Makes sense. I wait until things calm down.
There is always a right time to enter

I am unsure. I do not know whether to listen or ignore it.
These headlines confuse more than they help

I ignore it. Markets have always faced shocks and always recovered.
Trying to time the market is a losing battle

I stay alert to risk, but look for opportunities that instability may create.
Geopolitical crises can open interesting entry windows

Question 10 of 12
Which scenario lets you sleep better at night?
The most honest test of all
Knowing my capital is safe, even if it earns little.
Peace of mind is what I value most

Knowing I have a solid plan and am on the right track.
I trust the process even when markets fluctuate

Knowing I am making the most of every euro invested.
Inaction worries me more than volatility

Question 11 of 12
What is the approximate amount you intend to invest with us in the first phase?
No need to be exact.
Up to 25,000 euros

Between 25,000 and 100,000 euros

Between 100,000 and 300,000 euros

More than 300,000 euros

Question 12 of 12
Your savings are currently in…
You can select more than one option
Bank deposits or current account

Investment funds or pension plans

Real estate

Shares, ETFs or bonds directly

Investor Profile
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Thank you for sharing your profile. The next step is a call where I walk you through a personalised portfolio example for your profile. The written proposal follows after that conversation.

This questionnaire was developed based on MiFID II suitability best practices (European Markets in Financial Instruments Directive). Your answers are confidential and are used solely to build a personalised investment plan.
loci.capital  ·  Investor Profile  ·  Confidential