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Investment Questionnaire

What is your experience and knowledge of investment instruments?


What types of investment services do you use/ have you used in the past?


How long have you been investing?


How often do you invest?


Is your field of education or profession related to trading in investment instruments?


You are a: Less experienced investor

Your level of experience and knowledge of investment products is, in the main, very low.

You have a certain experience in deposit banking products and your knowledge of investment options is very poor.

The clients with such an investment profile usually start with investing in the most conservative products and they prefer above all a high level of protection of invested funds. They choose mainly „hedged products“, e.g. premium deposits with different maturity dates and with underlying assets (stocks, currencies), gold deposits or guaranteed funds.

In the case of unhedged products they choose in particular the most conservative mutual funds - money market mutual funds and bond funds whose value fluctuates only slightly during time. In the long-term investment horizon, the most conservative mixed mutual funds are also an appropriate product.

You are a: Moderately experienced investor

Your experience and knowledge of investment products is quite good.

The clients with such an investment profile do not focus only on deposit banking products, but also on investment products. They mainly give preference to more conservative products.

The more conservative part of their investments is directed at „hedged products“, such as premium deposits with different maturity dates and with underlying assets (stocks, currencies), gold deposits and fixed income bonds (e.g. mortgage bonds). They also use unhedged products to a greater extent.

The more dynamic part of their investments is directed at conservative funds of money market or at bond funds. They have some experience in mixed funds with a minor position in the stock markets. In the long-term investment horizon,  real estate funds and life-cycle funds  are also an appropriate product.

You are a: Experienced investor

You have a lot of experience in investment products and good knowledge of them.

The clients with such an investment profile invest quite often and use a broad range of investment products. The part of their conservative investments is directed at premium deposits, fixed income bonds (mortgage bonds), floating income bonds and structured bonds. Based on their knowledge and experience they usually invest their conservative part of funds in bond funds.

They gain immediate liquidity of their investments with minimum fluctuations in the value of investment through money market funds. Due to their knowledge and experience they recognize the importance of dynamic assets for the income potential in the structure of their investments and they invest the part of their funds in dynamic mixed fund, real-estate funds and stock funds. These investors usually have experience directly in purchasing individual stock titles. In regular investing, they use more dynamic mixed funds, real-estate funds or stock funds. In the long-term horizon they use life-cycle funds.

You are a: Very experienced investor

Your experience and knowledge of investment products is really excellent.

You are a “professional investor” who is competent in transactions with most of financial instruments and frequency of your transactions is mostly high. The clients with this knowledge use a broad range of investment products and they are often very experienced in dealing on the exchange. They build their investment portfolio mainly on the basis of strategic allocation of assets including both conservative instruments (money market instruments, bonds), and dynamic instruments (stocks, real-estates, commodities). They use both „hedged products“, (premium deposits, fixed income bonds, e.g. mortgage bonds, floating income bonds or structured bonds), and a broad range of bond funds for the conservative part of their portfolios.

They gain liquidity of their investments through money market funds. The dynamic part of their investments is composed mainly of stock funds with global strategies and also with a sectoral and territorial focus. They replenish these funds directly with stock titles, and their investment structure with alternative investment instruments, such as real estate funds, or commodity funds. In regular investing, they use more dynamic mixed funds, real-estate funds or stock funds. In the long-term horizon they use life-cycle funds.



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