100 ChatGPT Prompts for Investing (2025): Research, Risk & ROI

Investing • Prompts • 2025

Copy-ready prompts that produce real, usable outputs: checklists, one-page memos, tables, DCA plans, rebalancing rules, and risk scenarios. Replace bracketed variables like [TICKER], [COUNTRY], [BROKER], [HORIZON_YEARS], [TARGET_RETURN_%], [PORTFOLIO_SIZE].

How to Get the Best Results

• Add your constraints (time horizon, risk, taxes, country). Be specific.
• Ask for outputs as tables, bullet checklists, or a “1-page memo”.
• Iterate: “Now tighten costs under 0.10% TER” or “Show a conservative version.”

Educational content. Not investment, tax, or legal advice.

I. Goals & Planning (8)

1. Act as a fiduciary-style coach. Build a 1-page Investing Plan for a <[AGE]>-year-old in [COUNTRY] with a [HORIZON_YEARS]-year horizon and [RISK_LEVEL] risk, targeting [TARGET_RETURN_%]% nominal. Include priorities, asset mix, contribution plan, and simple rules.
2. Create a “Minimum Viable Portfolio” in [COUNTRY] with ≤ 3 funds, TER ≤ 0.15%, auto-invest via [BROKER], and a rebalancing rule I can follow in 10 minutes per quarter.
3. Design a monthly cashflow map for investing $[AMOUNT]/month while maintaining a 6-month emergency fund. Output as a table with due dates and transfers.
4. Draft a 1-page IPS (Investment Policy Statement) for a beginner in [COUNTRY]. Include objectives, risks, asset classes, cost caps, and behavior rules during drawdowns.
5. Lay out three goal-based buckets (Short/Medium/Long) with instruments, liquidity, expected drawdown, and when to use each.
6. Show a 5-line decision tree: “Do I invest lump sum now or DCA over [MONTHS] months?” Include thresholds and examples.
7. Convert my scattered savings into an auto-invest schedule: payday splits, target funds, and calendar reminders for [BROKER].
8. Build a 12-month roadmap to go from 0 to $[PORTFOLIO_SIZE] portfolio using monthly DCA, learning milestones, and quarterly reviews.

II. Risk Profiling & Asset Allocation (8)

9. Turn these answers into a risk profile and suggested equity/bond split: [PASTE_RISK_QUESTIONNAIRE_RESULTS]. Include a table with rationale.
10. Propose defensive allocations that still target [TARGET_RETURN_%]%: compare 60/40, 70/30, and 80/20 with expected volatility and max drawdown assumptions.
11. Build an “All-Weather Lite” allocation using UCITS ETFs in [COUNTRY], TER ≤ 0.25%, rebalancing bands ±20% of target.
12. Stress-test my allocation for three regimes: high inflation, recession, and rising rates. Output a table: winners/losers, expected portfolio impact, and tweaks.
13. Explain sequence-of-returns risk for a retiree and propose a guardrail withdrawal plan (e.g., 4% +/- adjustments). Include a practical example.
14. Build a glide path from 90/10 to 50/50 over [HORIZON_YEARS] years with annual steps. Output as a schedule.
15. Create a 1-page rebalancing policy: calendar vs threshold, cashflow-based, and tax-efficient ordering.
16. Optimize for fees: find equivalent lower-cost ETFs for my current list: [PASTE_TICKERS]. Output a comparison table with TER and replication method.

III. ETF & Index Research (10)

17. Compare three broad-market ETFs for [REGION] suitable for [ACCOUNT_TYPE] in [COUNTRY]. Table: index, TER, size, replication, distributing vs accumulating.
18. Find a World ex-[HOME_COUNTRY] ETF pair that avoids home bias. Suggest weights for a $[AMOUNT]/month DCA.
19. Explain the difference between MSCI ACWI, FTSE All-World, and S&P Global 1200 for a long-term investor. Recommend one default.
20. Create a checklist to pick an ETF: index clarity, costs, liquidity, tracking difference, domicile, taxes, and KID/PRIIPs availability.
21. Build a table comparing distributing vs accumulating share classes for [ETF_TICKER] with tax notes for [COUNTRY].
22. Show a “core & satellite” ETF structure: 80–90% core world equity, 10–20% satellites (e.g., small caps, quality, value). Include rebalancing rule.
23. List low-cost bond ETF options in [COUNTRY] for short-term safety vs intermediate income. Include duration and credit quality.
24. Design a child account ETF plan: target date, monthly DCA, and expected volatility explained in simple terms.
25. Give me three “mistakes to avoid” when buying ETFs on [BROKER], with fixes.
26. Draft a 1-page memo: “Why a single world ETF is enough for 90% of people”. Add FAQs and a table of edge cases.

IV. Stock Research & Valuation (12)

27. Create a 1-page research brief for [TICKER]: business model, segments, moats, risks, 3 key metrics, and valuation snapshot.
28. Summarize [TICKER]'s last 5 years: revenue CAGR, margin trend, FCF trend, share count, and debt. Output a neat table.
29. Explain unit economics for [TICKER] using a simple formula and sensitivity table (best/base/worst).
30. Build a DCF outline for [TICKER] with transparent assumptions. Show how valuation changes with WACC ±1% and growth ±1%.
31. Compare [TICKER] vs [PEER1] vs [PEER2] on growth, margins, leverage, and valuation multiples. Output a scorecard.
32. Write a bull and bear case for [TICKER] in 10 bullet points each. Add 3 “watch items”.
33. Translate an earnings call into plain English: what matters now for [TICKER] and what to track next quarter.
34. Build a checklist to avoid value traps and story stocks. Include signs of aggressive accounting.
35. Explain dilution mechanics for [TICKER]: SBC, buybacks, and net effect on per-share metrics.
36. Propose a “position sizing” rule for single stocks within a diversified ETF core. Include max weight and add-on criteria.
37. Design a stop-loss vs mental stop framework: pros/cons and when to use neither.
38. Create a 6-point pre-buy checklist for [TICKER] that fits on a phone screen.

V. Bonds & Interest Rates (6)

39. Explain duration and convexity with a simple example. Then show how a 1% rate move affects a short vs intermediate bond ETF.
40. Build a bond ladder plan with maturities from 1–5 years for $[AMOUNT]. Output a purchase schedule.
41. Compare government vs investment-grade corporate bond ETFs in [COUNTRY]. Include credit risk notes.
42. Show where bonds fit in a 60/40 and 80/20 portfolio today. Include expected role in stress regimes.
43. Write a 1-page memo: “Why cash yields are not the same as long-term returns.” Add pitfalls.
44. Create a “safe sleeve” checklist: cash, T-Bills, short-duration bond ETFs—how to combine them.

VI. Retirement, DCA & Contributions (8)

45. Design a 30-year DCA plan investing $[AMOUNT]/month in a world equity ETF with a defensive sleeve. Show a year-by-year table of contributions vs value (illustrative).
46. Explain how to rebalance in tax-advantaged vs taxable accounts to reduce capital gains.
47. Create a contribution escalator: increase monthly investing by [X]% each year and show the compounding effect.
48. Provide a 10-line “stay the course” script I can read during market drops.
49. Draft a simple retirement withdrawal plan with guardrails (e.g., 4% base, reduce after large drawdowns).
50. Compare lump sum vs 6-month DCA for a $[AMOUNT] windfall under three market paths.
51. Generate a quarterly review checklist for long-term investors—15 minutes max.
52. Build a children’s education fund plan via ETFs in [COUNTRY]: monthly DCA, risk bands, and when to glide down risk.

VII. Rebalancing & Monitoring (6)

53. Write a threshold rebalancing policy with 5% absolute bands and cashflow-first adjustments. Include an example.
54. Create a dashboard layout: positions, weights vs targets, fees, cash, and alerts.
55. Design tax-aware sell order: lots to realize, offsetting gains with losses, and when to wait.
56. Make a “drift report” template I can fill monthly to see deviations vs targets.
57. Provide a rule for pausing contributions during extreme drawdowns vs continuing DCA, with pros/cons.
58. Turn my statements into a holdings table: ticker, units, book cost, current value, YTD, and since-inception.

VIII. Taxes & Accounts (6)

59. Summarize account types in [COUNTRY]: taxable vs tax-advantaged. Show priority ordering for contributions.
60. Explain accumulating vs distributing ETFs and how they affect taxes in [COUNTRY].
61. Create a year-end tax checklist for investors in [COUNTRY]: harvesting, contributions, paperwork.
62. Design a dividends vs total return strategy and when dividends are a distraction.
63. Draft a capital gains planning memo: thresholds, holding periods, and practical steps.
64. Turn my transactions CSV into a tax-ready summary by lot (columns to include, grouping logic).

IX. Options & Hedging Basics (6)

65. Explain covered calls on [TICKER] for a long-term holder: payoff chart in words, risks, and when not to do it.
66. Outline a basic protective put for downside insurance on a $[AMOUNT] equity position. Include cost considerations.
67. Compare “do nothing” vs hedge: expected outcomes across mild, medium, and severe drawdowns.
68. Write a policy for never using leverage beyond [X]%. Include margin risk warnings.
69. Explain option Greeks in plain English and how they affect simple strategies.
70. Create a 10-point options checklist to avoid common mistakes.

X. Macro, Regimes & Scenarios (8)

71. Build three macro scenarios for the next 3 years and show how a balanced portfolio might behave. Include allocation tweaks.
72. Explain how rates, inflation, and earnings growth interact to drive equity valuations.
73. Write a “crisis playbook” with steps for liquidity, rebalancing, and communication to self.
74. Draft a checklist for identifying regime shifts (e.g., falling to rising rate cycles).
75. Turn leading/lagging indicators into a simple dashboard I can monitor monthly.
76. Explain currency risk for a [HOME_CURRENCY] investor buying foreign ETFs and how to reduce it.
77. Create a table of “what matters most” by regime: growth, inflation, rates, liquidity.
78. Write a 1-page memo on how to separate noise from signal in markets. Add a weekly routine.

XI. Alternatives: REITs, Gold, Crypto (8)

79. Explain where REITs fit in a diversified portfolio; list pros/cons and a simple allocation cap.
80. Compare physical gold, ETFs/ETCs, and vaulted platforms; propose a small allocation range.
81. Summarize crypto allocation rules of thumb for conservative investors (e.g., 0–2%) with risk warnings.
82. Design a REIT screen: yield quality, FFO payout, leverage, and sector diversification.
83. Write a memo: “Gold as a diversifier vs inflation hedge”—when it helps and when it doesn’t.
84. Create a checklist for custody and security of digital assets for small allocations.
85. Compare commodities exposure via broad commodity ETFs vs equity proxies. Include roll/yield considerations.
86. Propose a policy for alt allocations: max caps, rebalancing, and when to turn off the tap.

XII. Behavioral Discipline (6)

87. Create a 12-line “behavior contract” I sign to avoid panic selling and performance chasing.
88. Write a checklist to detect FOMO and what to do instead.
89. Turn common cognitive biases into guardrails with practical examples (anchoring, recency, loss aversion).
90. Draft a one-paragraph journal entry format for each trade or allocation change.
91. Make a short script to explain my long-term plan to family when markets are down.
92. Design a “cool-off” protocol before any non-scheduled trade. Include a 24-hour rule and a checklist.

XIII. Automation, Checklists & Templates (8)

93. Generate a monthly investing checklist: contributions, fees audit, drift check, tax notes, and notes to future self.
94. Build a 1-page portfolio snapshot template: allocation table, fees, cash, top risks, and action items.
95. Create a CSV column spec for holdings and transactions so I can import/export between brokers and spreadsheets.
96. Write reusable email templates to request fee reductions or product changes from [BROKER].
97. Draft quarterly review questions that force me to think in decades, not days.
98. Make a printable “Rebalance Day” worksheet: steps, thresholds, and post-trade checks.
99. Produce a “Portfolio Emergency Kit”: passwords manager checklist, beneficiary info, and instructions for loved ones.
100. Turn my plan into calendar events: monthly DCA, quarterly reviews, annual tax prep, and rebalance windows.

Starter Packs (Copy/Paste)

Replace variables before running.

Build a 2-fund world portfolio in [COUNTRY] with TER ≤ 0.15%, auto-invest via [BROKER], $[AMOUNT]/mo, threshold rebalance ±20% bands. Output: table + IPS.

Create a DCA plan for $[AMOUNT]/mo for [HORIZON_YEARS] years. Show year-by-year contributions vs hypothetical values under 5%, 7%, and 9% returns.

Turn my current holdings [PASTE_LIST] into a cost-optimized, tax-aware structure. Show before/after fees and steps to transition gradually.

One-Page Memos

Write a 1-page memo: “Why I’m using one world ETF + a small bond sleeve,” with rules, fees, risks, and when I would change it.

Summarize [TICKER] in 10 bullets for a long-term investor. Include 3 things to monitor each quarter.

Draft a “market drop script” to read in a -25% drawdown to prevent panic actions.

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Disclaimer

This article is educational and for general information. It is not investment, tax, or legal advice. Always do your own research and consider speaking with a qualified professional.