StructuraWisor by Finwisor · AMFI-Registered Distributor (ARN-166452) · Educational platform, not a solicitation to invest
One blended score is misleading, because the same structure is right for one investor and wrong for another. So we score every structure for three investor profiles. Here is exactly how it works.
The Structura Score is a suitability score, not a quality grade. A geared, non-protected note is a poor fit for a saver and an excellent fit for a growth investor, so a single blended number would mislead exactly the people it is meant to help.
Instead we score every structure three times, once for each investor profile: Conservative, Balanced and Aggressive. Each score is a 0 to 100 fit for that profile, and the highest is shown as the best fit.
Five inputs feed each profile, and every one comes from the structure itself. Capital protection is how much of your principal is shielded at maturity. Return potential is the structure's own ceiling, its cap, or uncapped where there is none.
Downside severity is the best combination we can show: the worst outcome the terms allow, blended with the worst result the structure actually produced across a full historical backtest of its own index. Track record is how often, in that same backtest, the structure would have beaten simply holding the index. Accessibility reflects how liquid the note is and how short the lock-in runs.
When an underlying has no public price feed, the backtested inputs cannot be computed, so the track record is set to a neutral middle value rather than guessed. Nothing in the score is fabricated.
The Conservative fit rewards capital protection and a shallow downside above all else. The Aggressive fit rewards return potential and accepts a larger downside for it. The Balanced fit sits between the two, weighing protection and upside together.
Every input is derived from the structure's own features and its real backtested history, its protection level, its capped or uncapped upside, its worst-case and worst backtested loss, and how often it beat its index, so each score is explainable. You can always see why a structure fits a profile the way it does.
The same structure can be an excellent fit for one investor and a poor fit for another. One number cannot say that; three can.
Start from your own profile, then read the matching score. A high Aggressive fit tells a saver nothing useful, and a high Conservative fit will look dull to someone chasing growth.
Open the breakdown on the deep-dive, read the one-line reason under each profile, and then read the term sheet. The score is a starting point for judgement, not a substitute for it.
A suitability score, not a quality grade. Every structure is scored 0 to 100 three times, once each for the Conservative, Balanced and Aggressive profiles, and the highest is shown as the best fit. Each score blends the structure's own features, protection, capped or uncapped upside, downside and accessibility, with its real backtested track record, so every score is explainable.
How often a structure would have beaten simply holding its index, measured across every rolling holding window in its underlying's real price history. A note whose underlying has no public price feed is given a neutral value instead, never an invented one.
One of three archetypes (Conservative, Balanced, Aggressive) a structure is scored against, since the same note can be an excellent fit for one investor and a poor fit for another.
This article is educational and does not constitute investment, tax or legal advice, nor a solicitation to invest. Any figures are indicative illustrations of mechanics, not forecasts. Refer to official term sheets and consult a qualified professional before investing.