Understanding the risks of investing through EuroFiducia
All investments carry risk. The value of investments and any income from them can go down as well as up, and you may not get back the amount originally invested. Past performance is not a reliable indicator of future results. No representation or warranty is given as to the achievement of any target return shown on the Platform.
Investment values are affected by market movements including changes in equity prices, bond yields, interest rates, currency exchange rates, and commodity prices. Market volatility can cause significant short-term fluctuations in your portfolio value.
Equity investments carry the risk of partial or total loss of capital. Individual stocks can become worthless if the issuing company fails. Market sentiment, economic conditions, and company-specific events all affect share prices.
ETFs are subject to the same risks as their underlying assets. Tracking error, liquidity risk, and counterparty risk (for synthetic ETFs) may apply.
Bonds carry interest rate risk (bond prices fall when rates rise), credit/default risk (the issuer may fail to pay), and inflation risk. Italian BTPs and French OATs are government bonds subject to sovereign risk.
SCPI investments carry liquidity risk (redemptions may be delayed), property market risk, tenant default risk, and the risk that rental income and capital values may decline.
ESG funds may have limited investment universes, potentially affecting diversification. ESG criteria and ratings methodologies vary and may change over time.
Private equity is illiquid, with long lock-up periods (typically 7–10 years). Valuations are infrequent and may not reflect realizable values. There is a risk of total capital loss.
Commodity prices are highly volatile and affected by supply/demand, geopolitical events, and weather. Commodity investments can experience sharp price movements.
Cryptoassets are extremely volatile and high-risk. Prices can fluctuate dramatically. Regulatory treatment varies by jurisdiction and may change. There is a risk of total capital loss. Cryptoassets are not protected by deposit guarantee schemes.
Retirement products typically have long lock-in periods. Early withdrawal may be restricted or subject to penalties and tax consequences. Returns are not guaranteed.
While low-risk, savings products carry inflation risk — returns may not keep pace with inflation, reducing real purchasing power over time. Interest rates are regulated and may change.
Some investments, particularly private equity, SCPI real estate, and certain bonds, may be difficult to sell quickly. You may not be able to access your money when you need it, or you may have to sell at a price below the current valuation.
If you invest in assets denominated in currencies other than the euro, changes in exchange rates may affect the value of your investments. Currency hedging is available for some portfolios but does not eliminate all currency risk.
There is a risk that banks, custodians, or other counterparties may default on their obligations. We use regulated, segregated arrangements to mitigate this, but counterparty risk cannot be entirely eliminated.
Investment regulations and tax treatment may change. Changes in French, Italian, or EU law could affect the value, taxation, or availability of your investments. You are responsible for your own tax obligations.
As a digital platform, we are exposed to technology risks including system failures, cyber attacks, and data breaches. We implement extensive security measures, but no system is completely secure. Platform unavailability may prevent you from acting on your investments at critical times.
Our AI-powered customer support provides general information only and does not constitute investment advice. AI responses may be limited in scope. For complex queries, our AI will escalate to human advisors. Always conduct your own research or consult a qualified financial advisor before investing.
Each portfolio and product on the Platform is assigned a risk rating. Our Conservative portfolios are classified as low risk (1–2 on a 7-point scale), Balanced as medium risk (3–4), and Growth/Euro Growth/Global Growth as medium-high to high risk (5–7). You should select investments appropriate to your risk tolerance, investment objectives, and time horizon as assessed during registration.
EuroFiducia provides an execution-only platform. We do not provide personalized investment advice. The portfolio descriptions and target returns are illustrative. You are responsible for your investment decisions. If you need advice, consult an authorized financial advisor.
EuroFiducia SAS · MiFID II Risk Disclosure · AMF/CONSOB compliant