Question 1

Is it really free?

Accepted Answer

Yes for the core — your AI CFO, your wealth plan, your portfolio tracking. Free forever, no credit card, no time limit, no "trial expires in 7 days" trick. Premium picks with deep reasoning are an optional upgrade if you want to dig further — but the whole planner runs at $0.

Question 2

Do I need to know anything about investing?

Accepted Answer

No. Our AI explains everything in plain English — no jargon, no "Sharpe ratio" shenanigans. You describe what you own (or what you want to invest), and we walk you through it. Total beginners welcome, finance grads too.

Question 3

Can I use stoxhub with my broker?

Accepted Answer

Yes. We don't execute trades — we surface signals, you decide where to buy. Works with Trade Republic, Degiro, Boursorama, Saxo, IBKR, your bank's PEA, your 401(k) — anything. We surface the signals and the suggested allocation, you place the orders on the platform you already use.

Question 4

How often do the picks change?

Accepted Answer

Our AI scans the market every day, but picks usually stay stable for weeks to months. We're not a day-trading signal service. When something meaningful shifts (a stock loses its top fund backing), we tell you in chat. No spam, no FOMO notifications.

Question 5

Is my data private?

Accepted Answer

Yes. We don't sell your data, we don't track you across the web, we don't send it to advertisers. The portfolio info you share in chat stays in your account — encrypted at rest, never reused for marketing. GDPR compliant by default. We're not Facebook with extra steps.

Question 6

How can I trust your AI?

Accepted Answer

We don't invent picks. Every signal is grounded in real data — top funds' aggregated holdings, market patterns, public SEC filings — and explained in plain English. And nothing is generic: your portfolio is tailor-made based on what you already own, your risk profile, and the goals you share with the AI in chat. Want to test? Scan a ticker you already know, read the reasoning. If you don't buy the logic, you skip.

Question 7

What exactly does the AI CFO do?

Accepted Answer

A lot more than a one-time answer. Once your plan's set, it runs your whole money picture: a projection of where you'll actually land (your current path vs an optimized one), a ranked action plan for exactly what to buy, hold or rebalance next, daily tracking of everything you own, live news on your holdings, and picks tailored to your goals. Ask it anything, anytime. What rich people pay a fortune for, free in your pocket.

Question 8

Do you ever hold or move my money?

Accepted Answer

Never. We don't touch your money, hold your funds, or place trades for you. No account access, no custody. We build the plan and surface the picks, you place the orders yourself on the broker or bank you already use. Your money stays exactly where it is.

Question 9

How do you make money if the core is free?

Accepted Answer

The planner, your AI, and daily tracking are free for good, no asterisk. The premium tier is the market-beating engine — the model that follows where the sharpest funds put their money and has averaged around +16% a year over the last 5 years. Totally optional: the free planner runs forever whether or not you ever upgrade.

Question 10

I already have a portfolio. Can I still use it?

Accepted Answer

That's half the point. Tell the AI what you hold and it says what's worth keeping, what's dragging you down, and where to add. Plenty of people keep their index core and layer our picks on top. No need to blow anything up to start.

Tekoäly-talousjohtajasi voittaa markkinat ja kasvattaa varallisuuttasi.

Arvosteluja kaltaisiltasi sijoittajilta.

suunnitelma kahdessa minuutissa

ilmainen JA voittaa ETF:ni

talousguru taskussa

pickit ja suunnitelma, kymmenen minuuttia

jokainen pick kertoo miksi

en tiennyt mitään, nyt tajuan

pickit jotka oikeasti liikkuu

oikeasti ilmainen

käski olla tekemättä mitään

20 minuuttia kuussa, siinä kaikki

rakennettu sen ympärille mitä haluan

pidin indeksirahaston, lisäsin pickejä

ei koskaan painostusta

ei hypeä, pelkkä signaali

vihdoin samaa mieltä rahasta

Muutama poiminta tästä salkusta
viiden vuoden ajalta.

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