The issuer of the financial instrument indicates whether a product is complex and, for example, if its structure makes it more difficult for you as an investor to understand the risks, potential return or costs.

In general, the following products are considered complex: certain types of ETFs and trackers, complex corporate and government bonds (e.g., with a variable coupon), real estate certificates, turbos and sprinters, options, warrants, funds without capital protection, funds with capital protection, funds with a predetermined minimum repayment amount, commodity trackers, complex bonds (e.g., convertible bonds), and capital instruments issued by credit institutions.

To be able to buy these products, you must pass the investment knowledge and experience test for the specific product, which you will find under Settings.