investment
Let an agent explain investments factually by type, risk, costs and investor protection, warn about scams, and refer to regulated advisers, without personal investment advice.
Bundle → Layer → Finding → Questions Filled
4 bundles · 8 layers · 8 findings · 16 questions
Types Which investment.
Asset class
Kind.
Asset
Investment type.
- What type of investment is it? definition
- How does it generally work? definition
Risk
Potential loss.
Risk
Risk.
- What are the main risks, including losing money? boundary
- What does the key information document say? provenance
Protection Regulation.
Authorised firms
Registers.
Authorised
Firm authorisation.
- Is the firm authorised by the financial regulator? provenance
- How can that be checked on the official register? action
Compensation
Schemes.
Compensation
Compensation schemes.
- Is the investment covered by a compensation scheme? provenance
- Up to what amount? measurement
Scams Fraud.
Red flags
Warning signs.
Red flags
Scam warning signs.
- Are there red flags such as guaranteed high returns, pressure or recruitment rewards? boundary
- Is it on a regulator warning list? provenance
Report
Help.
Report
Reporting.
- Where can suspected investment fraud be reported? action
- What should a victim do now? action
Limits No personal advice.
Advice
Boundary.
Advice
Advice limit.
- Is the user asking what they personally should invest in? boundary
- How should the agent refer them to a regulated adviser? action
Costs
Fees.
Costs
Costs.
- What fees and charges apply, in general terms? measurement
- Where are they disclosed? provenance
Classifiers Filled
- Family
- Thing Registry
- Category
- Society, people and institutions
- Entry kind
- noun.possession
- Plane
- SOC
- Domain
- SOC.ECO
- Facets: substance
- social
- Facets: origin
- conceptual
- Facets: agency
- inert
- Facets: mobility
- not-applicable
- Facets: scale
- not-applicable
- Facets: affordances
- observable
- Other names and narrower kinds
- investment funds, speculation, venture, gamble, smart money, pyramid, stake, stakes, bet, wager, pot, jackpot
What it is Filled
Money committed with an expectation of profit or income, such as investments in shares, bonds, funds, property or ventures; speculation carries higher risk, and schemes promising guaranteed high returns, such as pyramid schemes, are fraudulent.
Why it exists Filled
Let an agent explain investments factually by type, risk, costs and investor protection, warn about scams, and refer to regulated advisers, without personal investment advice.
Distinguishing features Filled
- Expectation of return
- Risk of loss
- Costs reduce returns
- Regulated investor protection
What robots and AI may and may not do Filled
Must not
- Give personalised investment advice or recommend specific trades.
- Buy, sell or transfer investments on someone's behalf.
- Present speculation as safe or promise returns.
- Promote schemes showing signs of fraud, such as guaranteed high returns.
Only with a human decision
- Any investment decision or transaction.
May
- Explain kinds of investment and their risks in general terms.
- Report the value of holdings from statements the user provides.
Moral aspects Filled
- Investment fraud and mis-selling destroy savings, often of older people.
- Investment can fund harm or good; investors may care where their money goes.
Who is affected
- Investors and savers
- Older and inexperienced investors
- Businesses seeking capital
Owners Filled
Steward
The investor who owns it; financial regulators oversee advisers and markets.
Master systems
- Regulators' registers of authorised firms
Links to other meta-models Filled
parent
- oewn-13350663-n - registry parent class
related
- use of money - category
- bond and security - instruments
- financial regulator - oversight
- Ponzi and pyramid scheme - fraud
What else AI and robots need to interact with it Filled
Identity and identifiers required Filled
- Vercy registry: vr.tr.investment
- Open English WordNet: oewn-13354252-n
Direct properties not applicable Not applicable
Not applicable
Plane SOC: no invented physical properties.
Recognition optional Filled
- Asset classes such as shares, bonds, funds
- Key information documents
- Red flags such as guaranteed high returns
- Accounts, statements, fund documents and contracts.
Capabilities and actions required Filled
- understand investment types and risks
- check whether a firm is authorised
- recognise investment scams
- find regulated advice
Hazards and failure modes required Filled
- Investment fraud and pyramid schemes
- Unsuitable high-risk products
- Agents giving personal investment advice
Standards and interfaces required Filled
- EU MiFID II investor protection
- PRIIPs key information documents
- National financial regulators and compensation schemes
Context of use required Filled
- Growing or preserving wealth and funding enterprises.
- equities
- bonds and fixed income
- funds and ETFs
- property
- venture and speculative investments
Sources Filled
- Open English WordNet 2024, synset oewn-13354252-n - sense and gloss of the concept
- Wiktionary: investment - word senses and usage
Open questions
- Should asset classes be separate entries?
- How should regulator registers be linked?
- How should scam warnings be kept current?
Machine files
Provenance
thing registry research (pass 2) · unreviewed
Built from: models/things/publications/thing-investment/spec.json