high-risk vs speculative

high-risk and speculative both are adjectives.

Word	Noun	Adjective	Verb	Adverb
high-risk	No	Yes	No	No
speculative	No	Yes	No	No

As adjectives, high-risk and speculative are synonyms defined as:

Other synonyms of high-risk include bad, risky.

high-risk (adjective)	speculative (adjective)
not financially safe or secure	showing curiosity
	not based on fact or investigation
	not financially safe or secure