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Why doesn't the app tell me what to buy?

This is a deliberate regulatory choice. Giving a personalised recommendation (tailored to your situation) would amount to investment advice (CIF status). Earnnest stays a neutral, non-personalised tool: same results for everyone, under the financial-information regime (MAR art. 20). See the “Compliance & data” category.

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Earnnest is a decision-support tool, not a financial investment adviser (CIF). Neutral, non-personalised information. Past performance does not predict future performance.