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According to law, LHV Pank has an obligation to assess the suitability of offered financial products and services.
Through answers given to this questionnaire, your knowledge and experience, investment objectives, sustainability preferences, financial position and risk tolerance and level, which you are prepared to accept in an investment portfolio, shall be determined.
Please give as objective answers as possible to the questions, reflecting the true situation. Without the information obtained from the answers, LHV Pank is unable to assess the suitability of the offered service to your profile and needs.
Do you have any sustainability preferences for the financial instruments in your portfolio?
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Before answering this question, we kindly request that you read the brief explanation of the term “sustainability preferences” that follows in the next paragraph. This will help you provide an objective response.
As part of assessing the suitability of investment products under the European Union (EU) investor protection rules, your sustainability preferences for investments should be identified. “Sustainability preferences” refer to your choice of investing a portion of your portfolio in financial instruments that meet a higher level of sustainability. These instruments can be classified into three categories:
- Instruments used to invest in economic activities that substantially contribute to the EU’s environmental objectives and have been included in the EU taxonomy for sustainable economic activities. For example, activities contributing to climate change mitigation or adaptation.
- Instruments used to finance economic activities that, while not meeting all the requirements of the EU taxonomy for environmentally sustainable activities, are aimed at contributing to broader choice of environmental or social goals (such as reducing inequality). According to EU regulations, these types of investments are referred to as sustainable investments.
- Instruments used to invest in companies that strive to mitigate negative impacts on sustainability factors in their business activities. These investments take into account principal adverse impacts and are assessed using specific indicators defined by EU regulations. These indicators include greenhouse gas emissions, share of non-renewable energy or hazardous waste, diversity of governing bodies, and pay gap.
Investments falling under the first two categories must not only contribute to positive impacts but also adhere to the principle that the economic activity invested in should not significantly harm other environmental or social objectives. In addition, issuers comply with good governance practices.
Investments that promote some aspect of sustainability alongside other investment objectives without systematically adhering to the principle of avoiding significant harm to other environmental or social objectives are not considered to meet the standard of sustainability preferences.
At the moment, LHV does not offer any strategies within the securities portfolio that comprehensively cover the aforementioned sustainability preferences. If you have indicated having sustainability preferences, LHV will be unable to provide a suitable asset composition for your profile or offer securities portfolio management services.
About what kind of financial instruments do you have enough previous knowledge to hold them in your portfolio without worrying?
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Please describe your previous experience with the following financial instruments? Have you done any transactions with the financial instruments listed below? If yes, then for how long and how many transactions approximately?
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Experience | Number of transactions | |||||
none | up to 2 y | more than 2y | none | 1-15 | more than 15 | |
bonds and/or bond funds | ||||||
equities (incl. equivalent depository receipts) and/or equity funds |
Is your education or work related to investing?
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In case of the bankruptcy the ... claims are settled in the last order
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To what extent it is possible to lose invested money?
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Can the market value of a bond be different than the nominal value of the same bond?
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If the bond market price increases, then the expected yield over the new price:
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What does subordinated bond mean and what are the additional risks involved?
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The Client filled in the information sheet(s) correctly (marked by bank employee)
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What are the sources of your regular income?
What are the sources of sales income of the legal person?
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What is your regular income?
What is the regular income of the legal person?
What are your regular monthly financial obligations?
What are the regular monthly financial obligations of the legal person?
What is the total volume of your existing assets?
What is the total volume of existing assets of the legal person?
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What would be the initial investment in the portfolio managed by LHV's portfolio management?
What would be the initial investment in the portfolio managed by LHV's portfolio management?
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The share of investment made via LHV Pank of my assets is ...
The share of investment made via LHV Pank of the assets of the legal person is ...
Include available cash, deposits, other financial investments and real estate.
Exclude housing and holdings in companies.
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Investment made via LHV Pank influences the preservation of my current standard of living...
Investment made via LHV Pank influences the preservation of the current financial position of the legal person...
Do you expect an event (such as retirement, termination of employment, birth of a child, university studies) or another planned activity during the time of the investment at LHV, which would require full redemeption of the investment?
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Should you experience an unexpected monetary expenditure or another event that affects your financial situation (such as termination of employment, disruption in your business activity, etc), what is the probability that you will be forced to liquidate the investment made via LHV?
Should the legal person face unexpected monetary expenditure, what is the probability that the legal person will be forced to liquidate the investment made via LHV?
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My investment objective is...
The investment objective of the legal person is...
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I plan the duration of my investment to be...
The duration of the legal person’s investment is...
The below chart shows five possible investment portfolios. Most of all, I would like to invest in the portfolio...
The below chart shows five possible investment portfolios. Most of all, the legal person would like to invest in the portfolio...
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My Initial investment is. I would be worried, if the value of my portfolio decreased by...
The initial investment of the legal person is €. It would be worrying, if the value of the legal person's portfolio decreased by...
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My Initial investment is. Its value drops over a short period of time to €. What would I do?
The initial investment of the legal person is €. Its value drops over a short period of time to €. What would the legal person do?
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My risk profile
As a result of the assessment of your investment portfolio we arrived at a low strategy.
Conservative strategy
Conservative
Risk levelat least 1 year
Investment objectivepreservation of asset value
Fluctuation of portfolio valueIncome strategy
Low
Risk levelat least 1-2 years
Investment objectivepreservation of asset value
Fluctuation of portfolio valueBalanced strategy
Medium
Risk levelat least 2-3 years
Investment objectiveasset growth
Fluctuation of portfolio valueGrowth strategy
High
Risk levelat least 3-5 years
Investment objectiveasset growth
Fluctuation of portfolio valueAggressive growth strategy
Aggressive
Risk levelat least 5 years
Investment objectiveasset growth
Fluctuation of portfolio value