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  • 📈 A Redditor Gave ChatGPT $100 to Invest—Here’s How It Went

📈 A Redditor Gave ChatGPT $100 to Invest—Here’s How It Went

Spoiler: AI didn’t exactly retire early on this one.

Author

Theo T
August 13, 2025

🔍 The Big Idea

This wasn’t some Wall Street think tank experiment—it was a curious Redditor with $100 and a question: Could ChatGPT invest my money better than I can?

The post (which quickly went viral) caught Futurism’s attention because it’s the kind of “let’s just try it” test that anyone could run… and the results are a reality check on AI’s money-making hype.

🧩 How They Did It

  1. The bankroll: $100 of real money.

  2. The advisor: ChatGPT, acting as an investment coach.

  3. The picks: Stocks chosen based on ChatGPT’s analysis of recent company news, fundamentals, and general trends (remember—it can’t see live market data).

  4. The rules: Buy the suggested stocks, hold, and track performance against the S&P 500.

📊 The Results

  • Mixed performance: A few stocks climbed, others dipped.

  • No market-crushing magic: The portfolio’s returns were pretty average and slightly below the S&P 500 during the same period.

  • Main takeaway: AI can organize information and make a logical case for picks—but it can’t predict surprises like earnings misses, CEO scandals, or macroeconomic curveballs.

💡 Why It Matters

  • AI ≠ Fortune Teller: ChatGPT can talk a good game, but investing is still part skill, part luck.

  • Great researcher, not a crystal ball: It’s fantastic for finding overlooked companies or breaking down complex market news.

  • Still needs a human hand: You’re the one who has to manage risk, diversify, and decide when to buy or sell.

💪 Try This Today

If you want to run your own “$100 AI Portfolio” challenge, try this prompt:

“I have $100 to invest in the stock market. Suggest a diversified portfolio based on my risk tolerance [low/moderate/high], explain the reasoning for each pick, and tell me how to track performance against the S&P 500.”

Then set a calendar reminder to check back in a month… and prepare to be humbled.

🧭 Bottom Line

This little Reddit experiment shows that ChatGPT is fun for brainstorming and learning about investing, but it’s no replacement for a well-thought-out strategy. The AI might help you discover interesting companies—but if you want steady long-term gains, boring old index funds might still be your best friend.

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