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.

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.

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.

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

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

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

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.

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

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