Disclaimer: Savings Buckets Risk Warning

General Risks

In order to earn 2% premium the firm maybe investing a portion of capital in risk aversive instruments like interest bearing ETFs, TLTs and Options.

Whilst the firm manages invested capital with appropriate risk management and liquidity in place, there are inherent risks which are applicable.

Strowz savings buckets may not be suitable for everyone.

Any financial performance figures refer to the past and that past performance is not a reliable indicator of future results.

For your information Strowz have provided a summary of the main risks that are associated with opening a 2% premium Savings Bucket with us. This list is not comprehensive but should act as a guide for you to better understand the risks involved.

There are a number of risks associated with investing and opening an Account that are outside Strowz's control. Whilst not exhaustive, the following summary should assist you to understand some of the general risks of investing:


  • The value of your invested capital may go down as well as up and any capital that you invest is at risk. A fall in value of risk aversive investments may result in its value being lower than the amount you invested, and you may lose the entire amount invested.
  • The value of your investments may be subject to foreign exchange fluctuations.
  • There could be risks relating to the reliability of dealing, settlement and custody practices.
  • Prices of investments in, or linked to, emerging markets can be significantly more volatile than those in developed markets and the risks in respect of foreign exchange fluctuations, and less reliable dealing, settlement and custody practices may be greater than those in developed markets.
  • For each Portfolio we try to ensure that the liquidity profile of the investments in the Portfolio is appropriate and employ a liquidity risk management process to ensure investors can redeem their investments. Nevertheless, there may be circumstances where it is not possible to sell all or part of the portfolios at a given point in time, or the price may be lower than previously reported. This is beyond our control and could be due to the suspension of securities or of a market, or concerns relating to the financial stability of an issuer of a security.
  • If the value of your investment does not keep up with the rate of inflation, it will have less buying power in the future.
  • Past performance is not an indicator of future performance.

Discretionary Investment Management

  • Your invested capital and its performance will be specific to you, even when compared to a portfolio with a broadly similar mandate

Foreign Currency Investments

We may buy on your behalf in an investment denominated in a currency other than the agreed base currency.

The main risks are:


  • A movement in exchange rates may have a separate effect, unfavourable as well as favourable, on the gain or loss otherwise experienced on the investment concerned.
  • If you deposit collateral denominated in one currency, you may be subject to margin calls in circumstances where the obligations secured by such collateral are denominated in another currency (in addition to the risk of margin calls for fluctuations in relative values).
  • Some currencies are not freely convertible and restrictions may be placed on the conversion and/or repatriation of your funds including any profits or dividends.

Foreign Currency Investments

We may buy on your behalf in an investment denominated in a currency other than the agreed base currency of your Portfolio.


The main risks are:


  • A movement in exchange rates may have a separate effect, unfavourable as well as favourable, on the gain or loss otherwise experienced on the investment concerned.
  • If you deposit collateral denominated in one currency, you may be subject to margin calls in circumstances where the obligations secured by such collateral are denominated in another currency (in addition to the risk of margin calls for fluctuations in relative values)
  • Some currencies are not freely convertible and restrictions may be placed on the conversion and/or repatriation of your funds including any profits or dividends