Adjectives

(s)bad, risky, high-risk, speculativenot financially safe or secure“a bad investment”, “high risk investments”, “anything that promises to pay too much can't help being risky”, “speculative business enterprises”
(s)notional, speculativenot based on fact or investigation“a notional figure of cost helps in determining production costs”, “speculative knowledge”
(s)inquisitive, speculative, questioning, wonderingshowing curiosity“if someone saw a man climbing a light post they might get inquisitive”, “raised a speculative eyebrow”