When you start investing on Fagura.ro, one of the first steps after identity verification is completing the Investor Questionnaire. For many users, this may look like just a formality needed to activate the account. In reality, the questionnaire plays an important role both in investor protection and in creating an investment experience better suited to each person’s profile.
This process is mandatory for all crowdfunding platforms licensed in the European Union and is regulated under EU Regulation 2020/1503 regarding crowdfunding services.
What is the investor questionnaire?
The Investor Questionnaire is an evaluation form through which the platform analyzes:
- your level of investment experience;
- your understanding of financial risks;
- your general financial situation;
- your recommended investment capacity.
Its purpose is not to limit your access to investments, but to help you invest in a more informed and responsible way.
Why is this questionnaire important?
Crowdlending and online investments can generate attractive returns, but every investment also comes with risks. That is why licensed platforms must make sure investors understand:
- how investments work;
- what diversification means;
- what risks exist;
- how much it is recommended to invest.
In simple terms, the questionnaire helps both the investor and the platform create a safer and healthier investment environment.
What does sophisticated investor mean?
A sophisticated investor is a person who:
- has more investment experience;
- understands financial risks better;
- owns larger assets or has higher income;
- is familiar with investment products.
Based on this profile, the platform may allow larger investments in a single funding opportunity.
Important to remember: being classified as a sophisticated investor does not guarantee profit and does not remove investment risks.
What does non-sophisticated investor mean?
A non-sophisticated investor is someone who is at the beginning of their journey or has less experience in investing.
This is completely normal and very common for people who are just discovering crowdlending and alternative investments.
In this case, the platform may:
- display additional risk warnings;
- recommend investment limits;
- apply certain restrictions regarding the maximum amount invested in a single request.
These measures are designed to protect investors and reduce the risk of financial overexposure.
The questionnaire is not an exam
One of the most common concerns for new investors is that they might „answer incorrectly” or not be allowed to invest if they do not get a certain result.
In reality:
- there are no “right” or “wrong” answers;
- you cannot “fail” this questionnaire;
- your access to the platform is not blocked.
The most important thing is to answer honestly and realistically, because the investment experience will be adapted to your profile.
How does this process help you?
It helps you better understand risks
Smart investing starts with understanding risks. The questionnaire helps you become more aware of what investing in crowdlending involves.
It helps you invest more responsibly
Many investors make the mistake of investing too much money into a single opportunity. The platform tries to reduce this risk through recommendations and healthy investment limits.
It gives you a personalized experience
Depending on your profile, Fagura can adapt the information and experience on the platform to make it more relevant and useful for you.
It supports financial education
For many users, this is their first real contact with concepts such as:
- investment risk;
- diversification;
- capital protection;
- risk tolerance.
What happens after completing the questionnaire?
After completing the Investor Questionnaire:
- you can top up your account;
- you can analyze available opportunities;
- you can start investing on Fagura.ro;
- you can build your own investment portfolio.
Need help?
The Fagura team is here for you.
For Fagura.ro Romania accounts:
📞 +40 215557476
📧 info@fagura.ro
🕘 Monday – Friday | 09:00 – 18:00
Responsible investing starts with informed decisions. And the Investor Questionnaire is one of the steps that helps you invest in a more conscious, organized, and financially healthy way.