{"id":1632,"date":"2025-09-08T17:16:39","date_gmt":"2025-09-08T17:16:39","guid":{"rendered":"https:\/\/kngadvisors.com\/?page_id=1632"},"modified":"2025-10-04T19:34:37","modified_gmt":"2025-10-04T19:34:37","slug":"certified-investor-types-according-to-the-cobs-fca-uk","status":"publish","type":"page","link":"https:\/\/kngadvisors.com\/en\/certified-investor-types-according-to-the-cobs-fca-uk\/","title":{"rendered":"Tipos de Inversionistas Certificados seg\u00fan el COBS &#8211; FCA UK"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1632\" class=\"elementor elementor-1632\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a451cc9 elementor-section-height-min-height elementor-section-content-middle aux-appear-watch-animation aux-fade-in elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4a451cc9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1aab17cb\" data-id=\"1aab17cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bdf7941 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bdf7941\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6fb9f563\" data-id=\"6fb9f563\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b2a8b6d elementor-widget elementor-widget-aux_modern_button\" data-id=\"6b2a8b6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"aux_modern_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"aux-modern-button-wrapper aux-modern-button-align-center\" >\n                    <a class=\"aux-modern-button aux-black aux-modern-button-md aux-modern-button-normal aux-modern-button-default aux-icon-\" href=\"https:\/\/kngadvisors.com\/en\/kng-investment-distribution\/\">\n                <div class=\"aux-overlay\"><\/div>\n                                <div class=\"aux-text\">\n<span class=\"aux-text-before\">Back to KNG Investment Distribution:<\/span>                <\/div>\n            <\/a>\n            \n    <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a4fdf04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a4fdf04\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f8fbfe1\" data-id=\"1f8fbfe1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d85b006 aux-appear-watch-animation aux-fade-in-up elementor-widget__width-initial elementor-widget elementor-widget-aux_modern_heading\" data-id=\"6d85b006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"aux_modern_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"aux-widget-modern-heading\">\n            <div class=\"aux-widget-inner\"><h2 class=\"aux-modern-heading-primary\">Certified Investor Types According to the COBS - FCA UK<\/h2><div class=\"aux-modern-heading-divider\"><\/div><div class=\"aux-modern-heading-description\"><p class=\"translation-block\">The Conduct of Business Sourcebook (COBS) in the United Kingdom establishes several classifications of certified investors, allowing them to access certain types of investments that are restricted from the general public. These classifications are based on the investor's knowledge, financial experience, and capacity to take on significant risks.<\/p><ol><li><strong> Certified High Net Worth Investor (COBS 4.12B.38R)<\/strong><\/li><\/ol><p><strong>Definition:<\/strong><\/p><p>A certified high net worth investor is a person who meets specific financial requirements, allowing them to participate in high-risk investments.<\/p><p><strong>Requirements:<\/strong><\/p><ul><li><strong>Annual Income:<\/strong> The individual must have earned at least \u00a3100,000 in the last financial year.<\/li><li><strong>Net Worth:<\/strong> They must have net assets of at least \u00a3250,000, excluding the primary residence, pension rights, and insurance contracts that meet certain criteria.<\/li><\/ul><p><strong>Declaration:<\/strong><\/p><ul><li>The investor must sign a declaration under the terms of <em>Annex 2R of COBS,<\/em>valid for 12 months, confirming that they meet the above criteria.<\/li><\/ul><p><strong>Access:<\/strong><\/p><ul><li>This certification allows them to access financial promotions and investments that are not available to the general public due to their high-risk nature.<\/li><\/ul><p><strong>Risks:<\/strong><\/p><ul><li>The investor accepts the possibility of losing the entire capital invested and acknowledges that they may not benefit from the standard regulatory protections offered to retail investors.<\/li><\/ul><ol start=\"2\"><li><strong> Certified Sophisticated Investor (COBS 4.12B.39R)<\/strong><\/li><\/ol><p><strong>Definition:<\/strong><\/p><p>A certified sophisticated investor is someone evaluated by an authorized firm and deemed experienced enough to understand and take on the risks of non-traditional investments.<\/p><p><strong>Requirements:<\/strong><\/p><ul><li><strong>Evaluation Certificate:<\/strong> The investor must obtain a certificate from an authorized firm confirming that they are capable of understanding the risks of non-traditional investments. This certificate must have been issued in the last 36 months.<\/li><li><strong>Personal Declaration:<\/strong> In addition, they must sign a declaration under the terms of <em>Annex 3R of COBS,<\/em>valid for 12 months, confirming their understanding of the associated risks.<\/li><\/ul><p><strong>Access:<\/strong><\/p><ul><li>This certification allows the investor to participate in high-risk financial promotions and investment opportunities that are not available to the general public.<\/li><\/ul><p><strong>Risks:<\/strong><\/p><ul><li>The investor accepts the possibility of losing their entire investment and acknowledges that the promotional materials may not have been approved by authorized persons.<\/li><\/ul><ol start=\"3\"><li><strong> Self-Certified Sophisticated Investor (COBS 4.12B.40R)<\/strong><\/li><\/ol><p><strong>Definition:<\/strong><\/p><p>A self-certified sophisticated investor is someone who personally declares they meet certain criteria of experience or knowledge related to high-risk investments.<\/p><p><strong>Requirements:<\/strong><\/p><p>The investor must meet at least one of the following criteria in the past two years:<\/p><ul><li><strong>A)<\/strong> Have worked in venture capital or financing for small and medium-sized enterprises.<\/li><li><strong>B)<\/strong> Have been a director of a company with an annual turnover of at least \u00a31 million.<\/li><li><strong>C)<\/strong> Have made two or more investments in companies that are not listed on the stock exchange.<\/li><li><strong>D)<\/strong> Have been a member of a network or syndicate of informal investors for more than six months.<\/li><\/ul><p><strong>Declaration:<\/strong><\/p><ul><li>The investor must sign a declaration under the terms of <em>Annex 4R of COBS,<\/em>within the last 12 months, confirming they meet one of the above criteria and accept the risks of investment.<\/li><\/ul><p><strong>Access:<\/strong><\/p><ul><li>This certification allows the investor to participate in financial promotions and investments that would otherwise not be available to the general public.<\/li><\/ul><p><strong>Risks:<\/strong><\/p><ul><li>The investor acknowledges that the investments they engage in carry significant risk, and the promotional materials received may not be subject to the same controls as those intended for retail investors.<\/li><\/ul><p style=\"text-align: center\"><strong>General Comparison:<\/strong><\/p><\/div><\/div>\n        <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b2f3b48 elementor-widget elementor-widget-image\" data-id=\"7b2f3b48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2218\" height=\"872\" src=\"https:\/\/kngadvisors.com\/wp-content\/uploads\/2025\/09\/Certified-Investor-Types-According-to-the-COBS-FCA-UK.png\" class=\"attachment-full size-full wp-image-1634\" alt=\"\" srcset=\"https:\/\/kngadvisors.com\/wp-content\/uploads\/2025\/09\/Certified-Investor-Types-According-to-the-COBS-FCA-UK.png 2222w, https:\/\/kngadvisors.com\/wp-content\/uploads\/2025\/09\/Certified-Investor-Types-According-to-the-COBS-FCA-UK-1536x630.png 1536w, https:\/\/kngadvisors.com\/wp-content\/uploads\/2025\/09\/Certified-Investor-Types-According-to-the-COBS-FCA-UK-2048x841.png 2048w, https:\/\/kngadvisors.com\/wp-content\/uploads\/2025\/09\/Certified-Investor-Types-According-to-the-COBS-FCA-UK-18x7.png 18w\" sizes=\"(max-width: 2218px) 100vw, 2218px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e5d945 aux-appear-watch-animation aux-fade-in-up elementor-widget elementor-widget-aux_modern_heading\" data-id=\"20e5d945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"aux_modern_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"aux-widget-modern-heading\">\n            <div class=\"aux-widget-inner\"><h2 class=\"aux-modern-heading-primary\"><\/h2><div class=\"aux-modern-heading-description\"><p>The main differences between these types of investors lie in the requirements for classification, the certification process (external or self-certification), and the level of experience and knowledge required.<\/p><\/div><\/div>\n        <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18a6f6f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18a6f6f1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"aux-parallax-section elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45c0619\" data-id=\"45c0619\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e91e25 elementor-widget elementor-widget-aux_modern_button\" data-id=\"3e91e25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"aux_modern_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"aux-modern-button-wrapper aux-modern-button-align-center\" >\n                    <a class=\"aux-modern-button aux-black aux-modern-button-md aux-modern-button-normal aux-modern-button-default aux-icon-\" href=\"https:\/\/kngadvisors.com\/en\/kng-investment-distribution\/\">\n                <div class=\"aux-overlay\"><\/div>\n                                <div class=\"aux-text\">\n<span class=\"aux-text-before\">Back to KNG Investment Distribution:<\/span>                <\/div>\n            <\/a>\n            \n    <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Conoce los tipos de inversores certificados seg\u00fan el COBS de la FCA en el Reino Unido: High Net Worth, Sophisticated y Self-Certified. Requisitos, beneficios y riesgos.<\/p>","protected":false},"author":1,"featured_media":1667,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-1632","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/pages\/1632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/comments?post=1632"}],"version-history":[{"count":0,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/pages\/1632\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/media\/1667"}],"wp:attachment":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/media?parent=1632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}