Just had an investment and retirement conversation with ChatGPT

I have a certain stack of investments it advised me to take positions on. I even told it the budget I was allocating and it broke it out for me on suggested amounts for each stock. Micron is my highest ROI at 256% but was over 300% at some point. AVGO is my lowest at 5% with the entire stack of companies sitting at an overall gain of about 50% YTD. And that’s after a pretty strong sell off the last couple months. These stocks were purchased the final week of 2025 to put that into perspective.

I’ve said it before, it’s a useful tool but the more specific you can be with your prompts the more optimal it will be. One thing it won’t prepare you for are unforeseen events with drastic implications. Not that anything can but what I mean is it won’t suggest to keep an eye on current events by itself. Not unless you ask it to consider the possibility of whatever event you can think of. And only then it might suggest a more cautious approach but that’s about it.

It’s been a good education tool for me. I maxed out my IRA contributions and basically started using it to teach me options and strategies that fit my risk tolerance and goals for my brokerage account. Beginners luck maybe, but my first option trade yielded me a 40% profit but admittedly I was impatient and sold too early. Coulda gotten closer to 100% or more but you can’t look at it that way.

I will continue to use it cautiously and as an added tool but I’ll never depend on it solely without other due diligence.