Investor Protection

How does the Financial Consumer Protection Act classify financial products?

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The Act divides all financial products into 4 types: deposit-type, loan-type, protection-type (insurance) and investment-type products.

Stocks, funds, derivatives, trust contracts, discretionary investment contracts, P2P-linked investments and the like are investment-type products. If a product has attributes of two or more types, it is regarded as belonging to each of those types.

Source: Financial Supervisory Service FINE Guide to Smart Financial Living: Revised guide to the Financial Consumer Protection Act for financial consumers [1/2]
Last updated: 14.10.2026

This answer is general financial information as of 14.10.2026, not investment advice. Rules and tax rates change, so please also check the latest guidance from the source institution.