AI Prompts for Investment Strategies

I'm new to investing and want to build my first portfolio.

Age: [age]
Annual income: [amount]
Amount to invest initially: [amount]
Monthly contribution: [amount I can invest each month]
Investment timeline: [years until I need this money]
Risk tolerance: [conservative / moderate / aggressive]
Retirement accounts available: [401k, IRA, Roth IRA, etc.]
Employer match: [details if applicable]

Build me a starter investment plan:
1. Recommend an asset allocation (stocks/bonds/other) based on my age and risk tolerance
2. Suggest specific types of funds (index funds, target-date, ETFs) with reasoning
3. Explain which account to prioritize first (401k, Roth IRA, taxable) and why
4. Create a step-by-step "first 30 days" action plan to get started
5. Explain what dollar-cost averaging is and how to set it up automatically
6. List the 3 biggest beginner mistakes to avoid

Note: This is for educational purposes. Consult a financial advisor for personalized investment advice.

Help me compare these investment funds:

Funds I'm considering: [list fund names or types, e.g., S&P 500 index fund, total market ETF, international fund]
Investment amount: [amount]
Time horizon: [years]
Account type: [taxable / tax-advantaged]
What I care most about: [low fees / diversification / growth / stability]

Compare these funds:
1. Expense ratio comparison and what each costs me per $10,000 invested annually
2. Historical performance over 1, 5, and 10 year periods (with caveat about past performance)
3. Diversification analysis — what each fund actually holds
4. Tax efficiency considerations for my account type
5. Which combination of these funds creates the best diversified portfolio
6. A simple recommendation with clear reasoning

Note: Past performance does not guarantee future results. This is educational, not financial advice.

Help me create a retirement plan.

Current age: [age]
Target retirement age: [age]
Current retirement savings: [total across all accounts]
Monthly retirement contributions: [amount]
Expected Social Security: [estimated monthly benefit or "unsure"]
Desired retirement lifestyle: [modest / comfortable / luxurious]
Estimated monthly expenses in retirement: [amount or "help me estimate"]
Health considerations: [any known factors]

Build my retirement roadmap:
1. Calculate how much I need saved by retirement (using the 4% rule and adjustments)
2. Show my projected savings at current contribution rate with estimated returns
3. Identify the gap between projected and needed, if any
4. Suggest specific changes to close the gap (increased contributions, catch-up strategies)
5. Recommend the optimal split between pre-tax and Roth accounts
6. Create milestone checkpoints for each decade leading to retirement

Note: These are estimates for planning purposes. Consult a financial advisor for personalized retirement advice.

Help me understand my investment risk tolerance.

Age: [age]
Income stability: [very stable / somewhat stable / variable]
Emergency fund: [months of expenses saved]
Existing investments: [describe current portfolio if any]
How I felt during the last market drop: [panicked and sold / worried but held / bought more / didn't notice]
Biggest financial fear: [describe]
Investment timeline: [when I need this money]

Assess my risk profile:
1. Rate my risk tolerance (conservative, moderate, moderate-aggressive, aggressive) with explanation
2. Explain what a typical portfolio looks like for my risk level
3. Show what a 30% market drop would do to my portfolio in dollar terms
4. Determine if my current investments match my actual risk tolerance
5. Identify any mismatch between my emotional risk tolerance and my financial capacity for risk
6. Suggest adjustments to align my portfolio with my true risk profile

Note: Risk assessment is personal and complex. Consider consulting a financial advisor.

My portfolio needs a rebalancing review.

Target allocation: [e.g., 80% stocks / 20% bonds]
Current allocation: [list actual holdings with current values]
Total portfolio value: [amount]
Last rebalanced: [date or "never"]
New contributions: [monthly amount and where it goes]
Major life changes: [new job, marriage, baby, retirement closer, etc.]

Rebalance my portfolio:
1. Calculate how far each asset class has drifted from target
2. Specify exact dollar amounts to buy/sell to rebalance
3. Suggest whether to rebalance by redirecting new contributions vs. selling
4. Consider tax implications of selling in taxable accounts
5. Evaluate whether my target allocation still makes sense given any life changes
6. Recommend a rebalancing schedule going forward (calendar vs. threshold-based)

Help me optimize my investments for tax efficiency.

Accounts I have: [list each account type with approximate balance]
Tax bracket: [federal and state if known]
Types of investments I hold: [index funds, bonds, REITs, individual stocks, etc.]
Expected capital gains this year: [amount or "none"]
Income sources: [salary, freelance, dividends, etc.]

Optimize my tax strategy:
1. Recommend which investments belong in tax-advantaged vs. taxable accounts (asset location)
2. Identify tax-loss harvesting opportunities if applicable
3. Calculate the tax drag on my current portfolio setup
4. Suggest the most tax-efficient fund alternatives for what I currently hold
5. Explain Roth conversion opportunities if relevant to my situation
6. Create a year-end tax planning checklist for my investment accounts

Note: Tax situations are highly individual. Consult a tax professional for advice specific to your circumstances.