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Understanding Your TWINO Investment Limit
TWINO sets a personalised Auto Invest limit for each investor based on the information provided in the Suitability Assessment Test. This limit helps ensure that Auto Invest is used in line with your investor profile, including your financial situation, investment knowledge, investment experience, and risk tolerance.
The limit is not a platform restriction. It is a regulatory safeguard required under EU financial regulation, including MiFID II. Investment platforms must assess whether their products and services are suitable and appropriate for each investor before providing certain investment services.
Why does the limit exist?
The purpose of the limit is to help protect investors from over-investing through automated investment tools.
TWINO uses your questionnaire answers to assess your financial capacity, ability to absorb potential losses, investment goals, knowledge, and experience. Based on this information, the system calculates a personal Auto Invest limit that reflects your investor profile.
This does not mean that you are prevented from investing manually. Manual investments do not have a set investment limit, although you may receive an informational notice if a manual investment is above your assessed profile level.
How is the limit calculated?
Your limit is calculated using two main assessment areas:
Suitability score
This reflects your financial readiness. It is based on answers about your income, net worth, investment goals, risk tolerance, and ability to absorb potential losses.
Appropriateness score
This reflects your investment knowledge and experience. It is based on answers about your professional background, financial education, and previous investment activity.
These scores are combined and mapped to an investor quadrant. Both scores are important. A lower score in one area may affect your final quadrant, even if the other score is higher.
The limit amounts are benchmarked against average European salary data to keep them proportionate to typical investor financial capacity across the EU.
Investor tiers
TWINO uses investor tiers to determine the applicable Auto Invest limit. These tiers reflect different levels of investment knowledge, experience, financial capacity, and risk profile.
The tiers are:
Getting started (3,500EUR)
Intermediate (21,000 EUR)
Advanced (42,000 EUR)
No limit
The exact limit depends on the result of your Suitability Assessment Test and the investor tier assigned by the system.
How can I raise my limit?
If your financial situation, investment knowledge, or investment experience has changed, you may complete the Suitability Assessment Test again. Your updated answers will be assessed by the system and may result in a different investor quadrant and a higher Auto Invest limit.
In certain cases, investors may also request Professional Investor status if they meet the required criteria. This status is reviewed separately and depends on the information and documentation provided.
You may also contact TWINO support if you believe your current limit does not reflect your actual financial situation or investment experience. In exceptional cases, the profile may be reviewed based on the supporting information provided.
Good to know
Manual investments do not have a set investment limit.
The investment limit applies to Auto Invest only.
The assessment is based on MiFID II regulatory requirements.
Your investment limit is updated when you complete the Suitability Assessment Test again.