Important regulatory information
Calm Wealth Journal provides financial education and general information only. The application does not constitute investment advice, financial intermediation, or investment services.
It does not recommend specific investment products and does not take your individual circumstances into account.
Investment advice = a personalised recommendation for a specific product.
Prohibited: recommending ETFs/government bonds, narrowing down to specific products.
Permitted: general education, explaining concepts, financial principles.
You may not give advice on securities for a fee.
Required: a clear, prominently displayed "no advice" message throughout the product.