# PRAAMS Personal: white paper

## PRAAMS Personal: white paper

- [PRAAMS Personal intro](https://docs.praa.ms/index.md)
- [PRAAMS Ratio](https://docs.praa.ms/praams-ratio.md)
- [Return factors](https://docs.praa.ms/return-factors.md): The highest score (7 of 7) = the highest relative return bucket
- [Valuation](https://docs.praa.ms/return-factors/valuation.md)
- [Performance](https://docs.praa.ms/return-factors/performance.md)
- [Analyst view (stocks)](https://docs.praa.ms/return-factors/analyst-view-stocks.md)
- [Market view (bonds)](https://docs.praa.ms/return-factors/market-view-bonds.md)
- [Profitability](https://docs.praa.ms/return-factors/profitability.md)
- [Growth](https://docs.praa.ms/return-factors/growth.md)
- [Dividends (stocks) and Coupons (bonds)](https://docs.praa.ms/return-factors/dividends-stocks-and-coupons-bonds.md)
- [Risk factors](https://docs.praa.ms/risk-factors.md): The highest score (7 of 7) = the highest relative risk bucket
- [Default risk](https://docs.praa.ms/risk-factors/default-risk.md)
- [Volatility (market risk under normal conditions)](https://docs.praa.ms/risk-factors/volatility-market-risk-under-normal-conditions.md)
- [Stress-test (market risk under stress conditions)](https://docs.praa.ms/risk-factors/stress-test-market-risk-under-stress-conditions.md)
- [Selling difficulty / Liquidity](https://docs.praa.ms/risk-factors/selling-difficulty-liquidity.md)
- [Country risks](https://docs.praa.ms/risk-factors/country-risks.md)
- [Other risks](https://docs.praa.ms/risk-factors/other-risks.md)