Regulation & safety

Risk disclosure

Also calledrisk warning

A risk disclosure is a statement a broker or other financial firm gives a customer to explain material risks, costs, and limits of a product or service before or while it is offered. It informs a decision; it does not make the product safe or predict an individual outcome.

What Risk disclosure means

Risk disclosures should identify the ways an investment can lose money and any features that can magnify or complicate those losses. For CFDs, a standardized warning may state that trading is high risk and report the percentage of the provider’s retail accounts that lost money over a defined historical period. Required wording, placement, and calculation methods depend on the product, client type, and jurisdiction.

A disclosure helps a prospective client compare the product’s risks with their financial circumstances and understand what protections may or may not apply. It is not evidence that a broker is licensed, financially sound, or suitable for the client. A loss-rate figure describes a firm’s past retail-account outcomes, not the chance that a particular trade will win or lose.

A CFD provider’s website states that 72% of its retail client accounts lost money over the previous 12 months and explains that leverage can accelerate losses. That is a risk disclosure. It does not mean the remaining 28% made a profit on every trade, nor does it cap the customer’s possible loss unless separate protections apply.

Common questions

Does a CFD loss percentage show how likely I am to lose money?+

No. It is a historical, firm-level measure of loss-making retail client accounts calculated under applicable rules. It cannot forecast the outcome of a particular client’s trades, strategy, position size, or market conditions.

Does reading a risk disclosure mean I accepted all possible losses?+

Reading or acknowledging a disclosure does not change the product’s legal protections by itself. The applicable agreement, regulation, account classification, and facts of a loss determine the relevant rights and obligations.

Go to the original material.

01Financial Conduct Authority — COBS 22.5 CFD retail risk warnings02Financial Conduct Authority — PS19/18: Restricting CFD products sold to retail clients