In 2026, reviewing your investment plan is crucial as tariffs, interest rates, and AI growth impact stocks. GOBankingRates consulted ChatGPT for investment advice tailored to the average American, considering income and financial goals. The recommended core portfolio allocation suggests a diversified approach for moderate risk tolerance individuals.

ChatGPT advises building an emergency fund and paying off debt before making substantial investments. Setting financial goals, establishing a time horizon, and developing the right strategy based on your financial situation are essential principles for successful investing. For an average working adult earning around $62,000 annually, a monthly investment plan allocating funds to various accounts is recommended.

Looking ahead in 2026, economic trends to monitor include potential interest rate decreases benefiting stocks and bonds, stable inflation rates, a slow rebound in real estate, and continued growth in AI, clean energy, and infrastructure sectors. However, concerns exist about the AI bubble bursting as companies heavily invest based on future potential rather than current profits. Even high-profile AI-focused stocks like Microsoft and Nvidia may pose risks due to regulatory issues and market saturation.

Read more at Yahoo Finance: I Asked ChatGPT To Create My 2026 Investment Plan: Here’s What It Said