speculative

definition: 
(Of an investment) involving a high risk of loss;not based on fact or investigation
sentence: 
A senior banker who did not wish to be named said there was no need to impose any additional controls on loans for speculative investments as would be needed for other kinds of investment.
They are entirely guesswork, speculative and based on unsound mathematics designed to promote the private healthcare system
difficulty: 
easy
toefl frequency: 
2
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