Skip to content
Analysis available within 24 hours

The investment proposal,
translated into plain language.

Analizza una proposta di investimento — singolo strumento o portafoglio: securities, funds, insurance policies, structured products, private equity, club deals and more. The engine reviews the documents, retrieves the available data on its own and returns a structured sheet covering: the nature of the product, the risk profile, explicit and implicit costs, and the questions to ask.

Upload the proposal you received

Drag your file here or browse from your device

PDF Word Excel Images
You can add contracts and supporting documents: più contesto fornisci, più precisa sarà l'analisi. If anything essential is missing, we will ask you.
0 / 1000 parole
You can add a comment to your analysis request. Non è obbligatorio — i documenti bastano. Più contesto fornisci, più precisa sarà l'analisi.

By submitting your documents, you ask Earnext to analyse them as described in thePrivacy Policy. Upload only the documents you need and, where possible, redact your client’s name and any other data not needed for the analysis.

No registration required.

Do you want to analyse your client’s existing portfolio?

Sign up for free on Earnext, upload the required documents and you will find it ready on the platform.

How it works

From proposal to analysis,
in four steps.

01

Upload the documents

Related to the proposal you received: KID, product sheet, teaser, term sheet, simulations. Scanned copies are fine too.

02

The engine classifies and completes

It recognises the type of document, retrieves the available data on its own and identifies the missing information.

03

Ti chiediamo solo ciò che manca

If additional documentation is needed, we will ask you for it, with specific instructions.

04

Receive the analysis sheet by email

Nature of the product, risk profile, explicit and implicit costs, questions to ask. Within 24 hours.

Sample output

A structured sheet,
not a generic opinion.

Scheda di analisi — CapitalVita® Cardif
Nature of the product Polizza vita — Gestione separata Ramo I
Issuer Cardif (BNP Paribas Group)
Certified gross return 3,03% — nov 2025
Estimated net return ~1,5–2,4% (senza contratto)
Inferred risk profile Conservativo — SRRI 1–2
Liquidità Penali possibili — da verificare
Document transparency Parziale — serve contratto
Benchmark comparison BTP 3y: 3.1% gross, before costs
Comment and questions to ask
Il documento mostra il rendimento lordo della gestione separata — non quello che arriva al cliente. La forbice tra 3,03% e il rendimento netto dipende dalla percentuale di retrocessione contrattuale e dai caricamenti, non presenti nel documento caricato. Il calo dal 9,9% del 1997 al 3% attuale è coerente con la discesa dei tassi BCE.

Questions to ask the intermediary

  • 1 Qual è la percentuale di retrocessione contrattuale al cliente? (sezione "partecipazione agli utili")
  • 2 What annual loadings are applied? Are there early surrender penalties?
  • 3 È previsto un rendimento minimo garantito contrattuale? Per quale importo e periodo?
People

The return you see
non è quello che riceve il tuo cliente.

Separate accounts, ELTIFs, barrier certificates, unit-linked policies. Every issue of People shows the angle you hadn’t considered, without explanations, just questions that deserve consideration.

Read People