Profile of the typical investor

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Explanation of risk tolerance:
Stage 1: Money market/near money market funds
Stage 2: Special money market/near money market funds
Stage 3: Bond funds (without foreign currency)
Stage 4: Bond funds (with foreign currency or average credit history), Mixed funds up to a 35% equity share
Stage 5: Funds with a special capital maintenance concept
Stage 6: Bond funds (with a much worse credit history), Mixed funds with a 35-70% equity share
Stage 7: Mixed funds with an over 70% equity share
Stage 8: Standard equity funds
Stage 9: Progressive equity fundsExplanation of holding period:
Stage I: min. 1 - 3 years
Stage II: min. 3 - 5 years
Stage III: over 5 yearsExplanation of experience:
Stage A: Inexperienced investor
Stages B,C,D: Increasing experience
Stage E: Experienced investor