With regards to investing, analysis is all the things. However let’s be trustworthy, it will also be time-consuming and overwhelming, particularly you probably have by no means invested earlier than otherwise you’re nonetheless within the studying phases. That’s the place I fall. I’ve spent numerous hours doing analysis, attempting to pinpoint the place I needs to be investing my cash, solely to develop into overwhelmed and quit.
That’s once I began experimenting with synthetic intelligence instruments like ChatGPT and CoPilot to mix the entire data that I used to be discovering on-line to make selecting a lot simpler. As an alternative of studying 10 web sites, I requested myself: Can you utilize AI to make the choices for me?
Spoiler: Sure, you possibly can. Is it foolproof? In fact not. We nonetheless have a protracted technique to go on the subject of synthetic intelligence, however it’s an excellent place to start out if you happen to’re feeling misplaced. So, if you happen to’re questioning how you can use it for your self otherwise you’re curious to see what the method is like, I’m sharing the two-week experiment I ran utilizing ChatGPT, CoPilot, and Funding
Step 1: Utilizing ChatGPT to Give Me Inventory Options
I started by asking ChatGPT a easy query–aka, what ought to I put money into?
Immediate I used:
“What are the highest 2 greatest shares to purchase at present which can be down large from a yr in the past and primed for a value resurgence quickly?”
Right here’s the output I received:
1. Tesla (TSLA)
Why it’s down:
- Tesla’s inventory has been hammered over the previous yr resulting from slowing EV demand in sure markets, aggressive value cuts, and stress on margins.
- Competitors from Chinese language EV makers and macroeconomic headwinds have additionally weighed on the worth.
Why it could rebound:
- Tesla is aggressively pivoting towards next-gen vitality storage, autonomous driving, and AI-powered robotics.
- FSD (Full Self Driving) subscription fashions and robotaxi networks might add new income streams.
- Analysts anticipate margin restoration and earnings acceleration as prices decline and vitality storage (Megapacks) achieve traction.
2. PayPal (PYPL)
Why it’s down:
- PayPal has seen heavy inventory declines resulting from slower person progress, competitors from Apple Pay and Stripe, and considerations over declining margins.
- The inventory is buying and selling at traditionally low valuations in comparison with its money circulation and earnings potential.
Why it could rebound:
- PayPal’s aggressive cost-cutting and concentrate on its Braintree platform are starting to indicate outcomes.
- New management and partnerships (resembling Venmo integrations and new service provider companies) might reignite progress.
- Analysts are calling it “deeply undervalued” in comparison with its fintech friends, making it a turnaround candidate.
Step 2: Utilizing CoPilot to Analyze Monetary Knowledge
Subsequent, I turned to CoPilot to ask it the identical query. To maintain this truthful, I didn’t swap the immediate, nor did I embrace any additional data. I wished to see which synthetic intelligence platform was going to have the stronger solutions on the finish of this.
CoPilot’s output regarded like this:
Identical query to Copilot. Reply:
1. Constitution Communications (CHTR)
- Efficiency: Down 22% year-to-date and 18% over the previous yr
- Why it dropped: The top of the Reasonably priced Connectivity Program (ACP), which backed broadband for tens of millions of shoppers, hit Constitution laborious
- Why it’s primed for resurgence:
- Regardless of the ACP ending, Constitution posted strong earnings and rising cell service income
- Trades at 9x trailing earnings and 15x free money circulation, making it attractively valued
- Analysts anticipate EBITDA growth and improved buyer progress as the corporate adjusts to new circumstances
2. PayPal Holdings (PYPL)
- Efficiency: Lagging resulting from intense competitors, particularly from Apple within the funds house
- Why it’s primed for resurgence:
- Nonetheless instructions a 45% world market share in on-line cost processing
- Fee quantity up 14% in Q1 to $404 billion
- Launching a focused promoting platform utilizing information from its 400 million lively accounts
- Trades at 15x earnings, 12x estimates, and has a price-to-free money circulation ratio of 12
- Projected to develop earnings at a 16% compound annual charge over the subsequent 5 years
The very first thing I seen proper off the bat was that CoPilot gave me a shorter, extra exact reply. Nonetheless, the “why it’s primed for resurgence” included extra laborious information, which I discovered to be extraordinarily helpful.
I made a decision to rephrase the query, holding it very simple, eradicating the concentrate on shares that had been down. As an alternative, I requested each platforms a really broad query.
Immediate I used:
“What are the highest 2 greatest shares to purchase at present?”
ChatGPT mentioned:
1. Microsoft (MSFT)
Why it’s a high choose:
- AI Management: Microsoft’s integration of OpenAI’s fashions into Azure, Workplace, and Home windows offers it a dominant place in AI infrastructure and enterprise adoption.
- Recurring Income: Sturdy progress in Azure cloud companies and subscription-based merchandise (Workplace 365, LinkedIn, GitHub).
- Monetary Power: Constant double-digit income progress, excessive free money circulation, and a powerful steadiness sheet make it resilient.
2. Nvidia (NVDA)
Why it’s a high choose:
- AI Increase: Nvidia’s GPUs are on the coronary heart of AI computing, from information facilities to autonomous automobiles.
- New Product Cycles: Demand for next-gen GPUs and AI accelerators is outpacing provide, creating pricing energy.
- Earnings Development: Income and EPS progress stay explosive, with analysts persevering with to boost value targets.
CoPilot mentioned:
1. Microsoft (MSFT)
Why it’s a high choose:
- AI Management: Microsoft’s integration of OpenAI’s fashions into Azure, Workplace, and Home windows offers it a dominant place in AI infrastructure and enterprise adoption.
- Recurring Income: Sturdy progress in Azure cloud companies and subscription-based merchandise (Workplace 365, LinkedIn, GitHub).
- Monetary Power: Constant double-digit income progress, excessive free money circulation, and a powerful steadiness sheet make it resilient.
2. Nvidia (NVDA)
Why it’s a high choose:
- AI Increase: Nvidia’s GPUs are on the coronary heart of AI computing, from information facilities to autonomous automobiles.
- New Product Cycles: Demand for next-gen GPUs and AI accelerators is outpacing provide, creating pricing energy.
- Earnings Development: Income and EPS progress stay explosive, with analysts persevering with to boost value targets.
Step 2: Testing Inventory Picks in Investopedia’s Simulator
Earlier than I went any additional, I wished to know: Would these shares really carry out effectively within the present market?
That’s once I logged into Investopedia’s Inventory Simulator. It’s a free software that permits you to simulate buying and selling with pretend cash, utilizing real-time market information. I created a portfolio utilizing the shares ChatGPT and CoPilot steered, and tracked them over the subsequent few days and weeks.
Right here’s what I did:
- Created a brand new portfolio within the simulator
- Added the shares ChatGPT and CoPilot beneficial (I bought 10 shares of every to maintain issues equal)
- Set a aim: maintain for 14 days and observe share change, volatility, and information sentiment
- Watched how the portfolio behaved throughout market fluctuations
Right here’s a screenshot of the very starting:
As soon as it was reside, the platform regarded a bit of one thing like this (this was taken the next day after the preliminary “buy”
I did find yourself finally determined to buy 10 extra Tesla shares, as a result of I wished to see what a bigger funding would appear like for a corporation that has been within the headlines constantly recently.
The expertise gave me an opportunity to see which picks held regular, which fluctuated wildly, and which stunned me. Some early standouts affirmed ChatGPT’s logic. Others made me rethink sure sectors or company-specific dangers. That is what the portfolio regarded like every week into this experiment:
This isn’t precisely what I used to be anticipating. I knew that the market was going to fluctuate, and I wasn’t essentially anticipating to be web constructive for each inventory, however it was attention-grabbing to see that neither CoPilot’s nor ChatGPT’s predictions had been totally appropriate. Each had their moments the place we noticed a rise, and there have been different moments the place we noticed a loss.
Step 4: Asking Once more
Every week into the experiment, I made a decision to ask ChatGPT for 2 extra choices to put money into. In fact, these two shares didn’t have the longevity of the opposite two, however I wished to see what it could appear like if we added two extra choices to the combo.
This was its reply:
1. Meta Platforms (META)
Why it’s compelling in 2025:
- AI-driven Advert Income Restoration: Meta is leveraging AI to drive extra environment friendly advert concentrating on, which is boosting advert efficiency and income throughout Instagram and Fb.
- Enormous Person Ecosystem: Billions of month-to-month lively customers throughout Fb, Instagram, WhatsApp, and Threads present a knowledge and monetization benefit.
- Metaverse & AI Investments: Regardless of skepticism, its Actuality Labs division and Llama AI fashions place it for longer-term progress in spatial computing and open-source AI.
2. Eli Lilly (LLY)
Why it’s scorching proper now:
- Weight Loss Drug Increase: Its blockbuster GLP-1 drug (Zepbound) is experiencing large demand for weight problems and diabetes therapy.
- Sturdy Pipeline: Eli Lilly has promising Alzheimer’s and oncology medicine in late-stage improvement.
- Excessive Margin Enterprise: Pharma is traditionally resilient in financial slowdowns, and Eli Lilly’s margins are among the many greatest within the trade.
And that’s the place we ended up at present:
Two Weeks In
Ultimately, right here’s what my progress regarded like all through these two weeks:
What I Realized (and Would Do In another way)
Utilizing AI instruments like ChatGPT and CoPilot doesn’t imply you’ll robotically develop into a Wall Avenue professional, however it does provide you with an edge, particularly on the subject of pace, readability, and organizing your ideas. If I had been to do it in another way, I’d ask each ChatGPT and CoPilot to develop additional, giving me extra particulars.
Another questions I would ask embrace:
- What are the top-performing sectors proper now, and which undervalued shares exist inside them?
- What’s a very good stop-loss and take-profit technique for particular shares?
- What are safer dividend shares to pair with extra risky progress picks?
- If I’m investing for retirement in 20 years, which sectors are inclined to outperform long-term?
- What seasonal patterns exist for these shares or sectors throughout Q3/This autumn? (or no matter quarter you’re investing in)
A couple of takeaways:
- CoPilot is implausible for Excel-based evaluation. It’s nice for individuals who already use spreadsheets or choose to see issues damaged down in charts. Nonetheless, ChatGPT also can do that relying in your immediate
- ChatGPT is greatest for technique and context. It received’t provide you with scorching inventory suggestions, however it’s going to show you how to assume like a long-term investor. It
- You continue to must double-check all the things. AI is useful, not infallible. Whereas it’s a very sturdy software, I extremely advocate utilizing it as a jumping-off level after which going from there.
For instance, if I had been to speculate my cash into these shares utilizing AI, I’d most certainly do the next:
- Ask for inventory suggestions
- Ask AI to dive additional into the suggestions given past the surface-level data it initially offers
- Analysis the corporate outdoors of AI
- Take a look at it on Investopedia (if I had been uncertain)
- Resolve whether or not or not it’s a worthy funding from there
Would I Use AI for Investing Once more?
Completely—AI has the potential to be a strong ally in investing, so long as you deal with it like a software, not a crystal ball. It will probably show you how to analyze traits, spot alternatives, and make extra knowledgeable choices, however it shouldn’t substitute crucial pondering or sound judgment.
For many who need personalised, fiduciary recommendation, human advisors nonetheless supply unmatched worth. However for DIY traders seeking to sharpen their technique, AI is an unbelievable useful resource—good, quick, and at all times evolving. Use it correctly, and it may possibly completely elevate your investing sport.
See what people within the Saving Recommendation boards are saying about investing with AI.
Learn Extra
9 Low-Threat Investments That Are Quietly Underperforming in 2025
8 “Low-Upkeep” Investments That Require Fixed Oversight
Riley Jones is an Arizona native with over 9 years of writing expertise. From private finance to journey to digital advertising to popular culture, she’s written about all the things underneath the solar. When she’s not writing, she’s spending her time outdoors, studying, or cuddling along with her two corgis.
