Discover your investment profile

1

What amount do you have available for investment?

Investing implies that you have free funds that can be set aside for at least 3 years. From this amount you should subtract the expenses, planned over the following 3 years (purchase of a car, land plot, house, apartment). The difference represents the funds that you have available for investment.

less than BGN 3000

BGN 3001 – 10000

BGN 10001 - 25000

BGN 25001 – 50000

over BGN 50001

2

What is the monthly amount you are able to save?

You can calculate the amount by subtracting your expenses (e.g. for household needs, for car maintenance, for loan repayment, etc.) If you anticipate serious changes to happen in your life over the next 3 years, please take their potential impact into account in the calculation.

It is not possible for me to set aside any funds. Sometimes I have to use my savings.

Less than BGN 100 per month

BGN 100 – 200 per month

over BGN 200 per month

3

Do you own a real estate (an apartment, a house)?

If you plan to purchase one within the next 3 years, please, take it into account when answering Question 1.

No, I am a tenant and I do not plan to purchase a real estate.

No, but I am planning to purchase a real estate in the foreseeable future (3-5 years).

Yes, I own a real estate (a detached house, a flat, etc.) and I am still repaying a mortgage

Yes, I own a real estate and do not repay a mortgage.

4

Do you keep yourself updated with economic events and in particular with financial markets?

I am not interested in this topic. I rarely pay attention to such topics.

I obtain information from the news on television and the radio, as well as newspapers and magazines. I do not have economic or financial education, nor have I professional experience in investing.

I regularly read the economic and financial sections in the newspapers/magazines and follow similar news on radio and television. I am interested in this topic and I frequently discuss economic and financial issues with friends and colleagues, without having special investment knowledge or professional experience in this field.

I regularly follow specialized economic and financial news in the media. I have economic/financial education and/or I have professional experience in the field of finance.

5

Have you made transactions with at least 2 of the following savings or investment products during the past 5 years?

“transactions” means purchases or sales of amounts that are not negligible - minimum bgn 1 000 per investment.

No, I have not.

Yes, I have effected such transactions with some of the following products (you may choose more than 1 product):

Saving accounts, term deposits, additional voluntary pension insurance, government securities

Corporate bonds, bond funds, mutual funds or investment/savings insurance products with equity and/or profit protection, or with minimum

Shares, mutual funds or investment/savings insurance products without equity protection.

Convertible bonds, equity instruments from financial institutions, exchange-traded funds, options, warrants, derivatives, or other “complex” investment products

6

Do you have investments at present or have you had any in the past 5 years?

Mark the answer that describes your situation best.

No, I do not / have not had any investments.

Yes, I do /have had the following investment products

I have investments, however I do not actively keep track on them.

I have investments in bonds, bond funds, investment funds or unit-linked insurance products with equity protection and/or profit protection or with minimum redemption value that I monitor or discuss with an investment consultant (if any).

I have investments in shares, warrants, mutual funds, or unit-linked insurance products without equity protection that I monitor or discuss with an investment consultant

I have investments in convertible bonds, equity instruments from financial institutions, exchange-traded funds, options, warrants, derivatives, or other “complex” investment products

7

What is your investment horizon?

The investment horizon is determined by the period of time that you could afford to keep your money in a particular investment product before you need it. If your investment horizon is long enough, you have the opportunity to take higher risk with your investment, in case that you are prone to bear such a risk. If your investment is generating a loss, frequently it is possible their value to recover if you can wait long enough for this moment.

Within 1 year

Between 1-3 years.

Between 3-6 years.

Over 6 years

8

Which of the following statements best reflects your risk/return attitude?

The security of the investment is the most important consideration for me, the return comes second.

My aim is taking limited risk, to achieve, , some, even minimal, return.

I am willing to take higher risk, in order to get higher return.

My aim is to achieve the highest possible return and respectively take higher risk.

9

How would you react if the value of your investments fell more than expected?

I am not at all willing to incur losses, I would sell everything, and focus on more risk-free products

I have low tolerance for loss, I would contact a consultant to look for a safer solution for my investment.

I am willing to incur short-term losses with the expectation that the situation will improve in time.

I would not have any concerns to incur losses. In fact, I might even consider the option to make more investments.

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