Risk Profile Calculator

Corporate bonds rated not lower than Ba3/BВ- (Moody's/Standard&Poor’s). Corporate bonds (debt financing) are a major source of raising money by private and public corporations and entitle the bondholder to receive regular interest payments (coupon) and a return of the principal or other equivalent asset upon maturity.

Emerging-market stocks and developed-market stocks. Entitle the holder (shareholder) to receive a share of the stock company’s profit (dividends), to take part in the management of the company, to receive liquidation quotas if the company is liquidated.

Index funds (or index trackers). A collective investment scheme. The funds aim to replicate the movements of an index of a specified financial market. Index fund constructs its portfolio to mirror one of the market indexes (index fund is a reflection of its benchmark index’s portfolio). Index funds invest in stock in exactly the same proportion as they lie in the benchmark index.

Leverage-based funds (use financial leverage), hedge funds, and private equity funds are high-risk investment vehicles (invest in high-risk investment instruments).

Natural Resources Index Funds and Commodity Index Funds. The funds track the movement of prices for oil, natural gas, agricultural (natural-grown or raised) commodities, and other hard-asset commodities.

Futures, options. Futures contract is a standardised exchange-traded contract that gives the buyer or the seller a legally binding obligation to buy or deliver a specific quantity of a certain underlying instrument at a certain date in the future (the delivery date or final settlement date) at a pre-set price (the futures price). Option contracts are standardised contracts that give the buyer the right - but not the obligation - to buy or sell a fixed amount of the underlying instrument at a certain future date or in a certain time period for a fixed price. The writer (seller) of the option has the obligation to honour the specified feature of the contract. Option buyers pay option sellers a fee (the premium) for the rights conveyed by the option contract.

Margin (trading on margin / trading with leverage). You don’t need to deposit the full amount of the transaction. Rather, you borrow money to increase your position size using initial capital as collateral. The use of margin can increase your profit. It can also amplify your losses.

Alternative asset classes (real property, fine wines, and others).

* may reach up to 100 percent

Bonds rated not lower than Baa3/BBВ- (Moody's/Standard&Poor’s). Bond is a debt security that entitles the bondholder to receive regular interest payments (coupons, also called coupon rate, coupon yield) and a return of the principal) or other equivalent asset) upon maturity.

Deposits. A deposit is a sum of money placed with a bank for a fixed or non- fixed period of time to earn interest.

Money market funds (in the United States, MMFs are termed mutual funds; in other countries they are referred to as investment funds). MMFs are collective investment schemes that invest only in short-term government securities with maturities of up to 1 year and deposits.

Bonds rated not lower than Baa3/BBВ- (Moody's/Standard&Poor’s). Bond is a debt security that entitles the bondholder to receive regular interest payments (coupons, also called coupon rate, coupon yield) and a return of the principal) or other equivalent asset) upon maturity.

Deposits. A deposit is a sum of money placed with a bank for a fixed or non- fixed period of time to earn interest.

Money market funds (in the United States, MMFs are termed mutual funds; in other countries they are referred to as investment funds). MMFs are collective investment schemes that invest only in short-term government securities with maturities of up to 1 year and deposits. A mutual fund that invests only in short-term government securities with maturities of up to 1 year and deposits.