Investing in financial instruments carries inherent risks. This statement is intended to help you understand those risks and make informed decisions.

1. Market Risk

Prices of securities (stocks, bonds, ETFs) can fluctuate due to market sentiment, economic conditions, or geopolitical events. These fluctuations may lead to capital losses.

2. Liquidity Risk

Certain investments may not be easily tradable. You may not always be able to sell your holdings at a favorable price or within a preferred time frame.

3. Currency Risk

If you’re investing in foreign-denominated assets (e.g., U.S. stocks via Trove), changes in exchange rates can affect your returns positively or negatively.

4. Interest Rate Risk

Fixed-income instruments like bonds and commercial papers are affected by interest rate changes. Rising rates can decrease bond values.

5. Regulatory Risk

Changes in government regulations or tax policies can impact your portfolio. We remain compliant with the SEC, NGX, and CBN directives, but regulatory uncertainty may still affect returns.

6. Operational Risk

System errors, network failures, or cyberattacks can interrupt service temporarily. We adopt industry-grade cybersecurity and redundancy standards to reduce these risks.

7. No Guarantee of Profit

We do not guarantee returns. Investing is inherently risky, and users must conduct due diligence or consult financial advisors when necessary.