Where does
your money really go?
Find out in 20 questions.
A few minutes to understand — in plain words — how fees, returns and control shape personal finances.
A free test that gives you a clear picture of your savings and investment awareness. No jargon, no sensitive data. Just clarity.
Five things most people overlook about their money
How much a year can go to fees on savings and investments
What a KID/KIID document is — and why it matters
How idle cash loses purchasing power over time
How emotions can drive buying and selling at the wrong moments
Who can benefit when a financial product is recommended
Financial awareness is rarely taught. This test helps you build it.
Your money isn't just numbers.
They're decisions, fees and awareness.
Fees, idle cash, incentives and risk level quietly shape financial outcomes. The Guardyans Test measures how aware you are of each — honestly. It doesn't tell you what to buy; it shows where the biggest room to improve is.
The Guardyans Test is an assessment that answers these questions with honesty. It doesn't tell you what to buy. It tells you how aware you are — and where your real lever for improvement is.
In a few minutes you discover your financial profile: a clear score, from 0 to 40, that finally explains how much you're the master of your money.
How the test works
3 steps to discover your financial profile
Step 1 — Answer 20 questions
Five areas: costs, returns, behaviour, risk, control. No sensitive data — just questions about how you really manage your money. It only takes a few minutes.
Step 2 — Discover your score
Get a score from 0 to 40 and your financial profile across four levels: from the Invisible to the Guardyan. It's not a judgement — it's a snapshot.
Step 3 — Understand where to act
See your weak points area by area. You know what you don't know — and you can finally do something about it. The more you know, the more you decide.
4 profiles. One is yours.
Which one?
Each profile describes a level of financial awareness — a clear snapshot, not a judgement.
The Invisible
0-10 ptMoney runs on autopilot — fees unseen, decisions delegated.
The Curious
11-20 ptBasics in place, with gaps. The right questions, not always asked.
The Aware
21-30 ptSolid foundations — knows where to look, checks fees, asks questions.
The Guardyan
31-40 ptIn full control — aware of fees, risk and returns, and decides accordingly.
Which one is yours? Take the test and find out in a few minutes.
What people who've taken the test say
"The test gave me a much clearer view of the fees I hadn't paid attention to."
— Marco
Milan
"Finally a clear test, no jargon. It opened my eyes to things I took for granted."
— Elena
Rome
"I thought I was informed enough. The score made me reconsider — and gave me the right direction."
— Davide
Bologna
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