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How we score a structure: inside the Structura Score

A single number can never replace reading a term sheet. But a transparent, rules-based score can make the trade-offs visible at a glance. Here is exactly how ours works.

Finwisor Research·5min read

What the score is, and is not

The Structura Score is a transparent, rules-based summary of a structure's design, on a scale of 0 to 100. It is not a prediction of return and not a recommendation.

Every input is derived from the structure's own published features, so the score is explainable. You can always see why a structure scored the way it did.

The five pillars

Capital protection rewards principal floors and barriers. Return potential reflects the headline upside and participation. Issuer quality reflects the credit rating behind the promise.

Liquidity reflects how easily the note can be exited over its tenor. Transparency rewards structures whose mechanics are straightforward to follow. Each pillar carries a fixed weight in the final number.

Every input comes from the structure's own features, so the score is always explainable.

How to use it well

Use the score to compare and to shortlist, not to decide. A high score on a structure that does not match your goal is the wrong structure for you.

Open the breakdown, read the per-pillar reasons, and then read the term sheet. The score is a starting point for judgement, not a substitute for it.

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.

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