I Asked ChatGPT To Create My 2026 Investment Plan: Here’s What It Said

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The caller twelvemonth is ever a bully clip to reappraisal your concern program and find wherever you should marque adjustments.

Among the things that could person a immense interaction connected stocks and different investments successful 2026 are tariffs, involvement rates and the artificial quality (AI) boom. Each had a large interaction successful 2025 — for some bully and ill.

What should your concern program look similar successful 2026? GOBankingRates asked ChatGPT, and here’s what it had to say.

Because concern plans alteration wide depending connected factors similar your age, income, household concern and finances, GOBankingRates asked ChatGPT to make an concern program for the mean American.

In presumption of income, we utilized Bureau of Labor Statistics information showing that full-time workers had median net of $1,196 a week, oregon $62,192 a year, during the 2025 2nd quarter.

In creating its plan, ChatGPT archetypal offered proposal connected fiscal matters that don’t needfully impact investing. Among its recommendations are to physique an exigency money and wage down indebtedness earlier allocating a batch of wealth toward investments.

It besides provided “guiding principles” for investing, specified arsenic mounting goals, establishing a clip skyline and processing the close strategy based connected your fiscal situation.

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Here is ChatGPT’s recommended halfway portfolio allocation for 2026. It is designed for an mean moving big betwixt the ages of 25 and 55, with a “moderate” hazard tolerance and an income of astir $62,000 a year.

Asset Class	Allocation	Example Fund/ETF	Purpose
U.S. Stocks	45%	Vanguard Total Stock Market (VTI)	Core semipermanent growth
International Stocks	15%	Vanguard Total International (VXUS)	Diversify globally
U.S. Bonds	25%	Vanguard Total Bond Market (BND)	Stability and income
REITs/Real Estate	10%	Vanguard Real Estate (VNQ)	Inflation hedge
Cash/Treasury bills	5%	Treasury bills oregon wealth marketplace fund	Liquidity and safety

Here’s ChatGPT’s proposal for a monthly concern plan, assuming you tin lend $900 a month, oregon astir 17% of your income.

Investment	Percentage	Monthly dollar amount
401(k) – S&P 500 Index	40%	$360
Roth IRA – Target-Date 2060 Fund	35%	$315
Brokerage – International ETF (VXUS)	10%	$90
Brokerage – REIT (VNQ)	10%	$90
High-Yield Savings/T-Bills	5%	$45

In presumption of which economic/investment trends to support oculus connected successful 2026, ChatGPT provided this outlook:

Interest rates: May commencement to diminution successful mid-2026, benefiting stocks and bonds
Inflation: “Likely stabilizes” betwixt 2.5% and 3%
Real estate: Could “rebound slowly” arsenic owe rates ease
AI, cleanable vigor and infrastructure: Remain “key maturation sectors.”