Language models are remarkably good at synthesising financial knowledge and applying it to your specific situation. The catch: a model knows nothing about you unless you tell it. Fill in the fields below — the prompt is assembled automatically and is instantly ready to copy.

Works well with: ChatGPT 4o, Claude Sonnet, Gemini Advanced — always use a recent version for the most up-to-date information.

• Fill in all sections as completely as possible — the more context, the more concrete the advice.
• Send as a follow-up: "Give me the ISIN codes and current TER of the recommended ETFs."
• Always ask critically: "What are the downsides of this approach?" or "What cheaper alternative exists?"
• Treat the answer as a starting point — consult a certified financial adviser for major decisions.

Why this works

The template supplies the five variables that most influence the advice: age (risk tolerance decreases as the horizon shortens), region (tax systems and UCITS requirements differ by country), investment horizon (determines the equity/bond ratio), risk profile (tests behaviour during downturns, not just stated preference) and constraints (ESG, exclusions, existing positions).