nonspeculative

/ˌnɑnˈspɛkjələtɪv/
adjective
  1. Not based on guesswork or theory; based on facts and evidence.
    • In science class, we learned to make nonspeculative observations and record only what we saw.
    • She preferred nonspeculative explanations, sticking to what was proven.
    • The report offered nonspeculative data that could be verified by anyone.
  2. Not involving financial risk or investment for potential profit; safe and conservative.
    • The company's nonspeculative approach meant they only invested in government bonds.
    • For retirement, she wanted a nonspeculative portfolio that wouldn't lose value.
    • He chose a nonspeculative savings account that guaranteed a small but steady return.
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