A useful conversation should leave you with a clearer understanding of the decision and its trade-offs. These prompts can help you slow the discussion down when needed.
Questions about fit
Ask which goal and time horizon the option is intended to support, what information about you informed the discussion, and which circumstances would make it inappropriate.
Questions about risk and access
Ask for plain-language examples. If a trade-off remains difficult to explain, it may not yet be ready for a decision.
- What could cause the value to fall or the outcome to disappoint?
- How quickly can I access the money, and what could delay or reduce it?
- Which assumptions are most important to this explanation?
Questions about cost and service
Understand all relevant costs, who receives them, the capacity in which the firm is acting and what ongoing support is included. Ask where these details are documented.
Questions about what happens next
Clarify whether there is time to review documents, what evidence you should retain, how the investment will be monitored and who to contact if your circumstances change.
This conversation aid is not a complete due-diligence list or personal financial advice.
Disclosures
- Investor information for general educational use; not personal financial advice.
- Illustrative or hypothetical figures are identified with their assumptions and are not actual performance.