Respuestas a las preguntas del Test de conocimientos de inversión de Nectaro
Antes de poder invertir en la plataforma, es necesario contestar a las preguntas sobre tus conocimientos de inversión, ingresos y patrimonio.
A continuación dejamos las preguntas y respuestas que te realizarán despúes de realizar la verificación de identidad.
Do you have a degree or a professional certification of knowledge? No
Do you have work experience in finance? No
How would you assess your knowledge about asset backed securities?
Good knowledge
What is your experience investing in peer-to-peer investing platforms?
3-12 months
Number of transactions in previous 12 months
1-5 transactions
Total transaction value in previous 12 months
1-5.000€
What is your average annual net income?
Selecciona tus ingresos anuales
What is your planned monthly volume of incoming transactions to Nectaro account?
‹ 15,000 EUR
What is your personal net worth?
Selecciona tu patrimonio
Your payment amount for regular financial obligations in relation to your regular income constitute
Less than 19%
What proportion of your total net worth is held in liquid assets?
Between 10% and 25%
Tell us more about your risk tolerance and financial goals for investing on Nectaro
I want to increase value of my capital, and I am comfortable with moderate investment risk.
What is your expected investing horizon on Nectaro platform?
Less than 3 years
What are the main risks associated with investing on Nectaro?
All of the above
Diversification is an important investment strategy. It means:
Spreading your investments across different financial instruments to mitigate risk
You invest €5,000 in a peer-to-peer lending platform offering an average annual return of 10%. However, there is a 2% default rate on loans annually, meaning you lose 2% of your investment value due to borrower defaults each year. At the end of 3 years, what will be the approximate value of your investment if the returns and default rates remain constant, and you do not reinvest the returns each year.
€5 150,00
Which of the following most accurately describes credit risk when investing in asset-backed securities on a peer-to-peer lending platform?
The risk that the borrower may delay loan payments
Which of the following options best describes the advantages of diversification when investing in asset-backed securities?
It helps mitigate potential losses by spreading risk
How important are ESG factors (Environmental, Social, and Governance) when investing through the Nectaro platform?
l understand the types of investment opportunities available on Nectaro and wish to invest in the provided options.