This ChatGPT Inspired Stock Portfolio is Beating Average Investors?!
So, ChatGPT made a lot of money from investments. Let’s discuss.
The Neighborhood Finance Guy writes about financial literacy topics: Financial Planning, Budgeting, Millennial Money Management, Investment Strategies, Retirement tips, and more. The goal is to help you make effective decisions and set S.M.A.R.T.+E.R. goals with your money. The information is free, but the struggle is not sold separately.
Summary of why AI (ChatGPT) Investment Portfolio:
- The stock market is up +10% Year-to-Date (as of August 28, 2025). However, the TNFG ChatGPT Tracker portfolio hit +19% returns.
- Some investors are using ChatGPT to evaluate their current investment portfolios. The prompt helped an investor find the weak points while providing input on blind spots.
- However, there are risks. For example, AI platforms may not always have access to the latest data and news, so cross-check other sources.
Table of Contents
Why Are We Tracking ChatGPT’s Stock Picks?
ChatGPT, the powerful AI chatbot launched in 2022 by OpenAI. It’s a conversational AI (artificial intelligence) model that uses a large language model (LLM) architecture to generate human-like text and engage in dialogue with users. Think of it like a quantum computing summarizer. As such, it is often not current. Worse yet, the quality of the output is largely based on the quality of the available input.
If you need financial or investment assistance, I would recommend you start off-line with mental conditioning versus blindly following what the internet says to do. Since Investments can trigger taxes, you might want to refer to a Certified Public Accountant as well. And if you don’t have a lot of money, just start with a financial plan.
No need to play with your wealth, especially since too many Americans are living paycheck to paycheck. Sustainable wealth is a long-term proposition. It is all about how investment portfolios hold up.
AI is beating the Average Index and Chill Investors
My goal with this investment portfolio is to verify if Chat got it right on the money. As always, I’ll recreate a portfolio based on what was discussed using M1 Finance’s Create a Pie feature.
From that point, we get to see how it plays out.
This pie is a snapshot as of early August 28, 2025. Keep in mind that the one-year return for the same period in the S&P was 10.55%.
Still better than 0.01% in a savings account getting shredded by inflation north of +2.9% this year.
So, What’s the Breakdown of the ChatGPT Tracker?
TNFG’s ChatGPT Stock Tracker is a nuanced research fueled by a mix of Bustello coffee and condensed milk. As such, try not to take this as gospel. Based on the short information available online, we are making gigantic leaps of faith to follow in the footsteps of a multi-millionaire. We didn’t even speculate on the possibility of insider trading tips or specific low strike prices. It’s all general asset management.
Based on the weight of the distribution, these are TNFG’s Top ChatGPT-inspired holdings (see table #1).
Table 1. TNFG’s ChatGPT Tracker Holdings and 1-yr Averages
| Company/ETF | Market Cap | Dividend Yield (if Any) | 1-yr Market Growth | *Current Price Per Share | Avg Target Price |
| Nvidia $NVDA | 4.14T | 0.02% | 43.07% | $171.09 | $207.69 |
| Apple $AAPL | 3.40T | 0.45% | 0.78% | $237.54 | $237.73 |
| Meta $META | 1.84T | 0.29% | 41.49% | $736.75 | $822.41 |
| Alphabet $GOOGL | 2.55T | 0.40% | 29.36% | $230.34 | $219.11 |
| Amazon $AMZN | 2.40T | 0.00% | 26.24% | $225.71 | $262.87 |
| Microsoft $MSFT | 3.75T | 0.66% | 21.09% | $504.11 | $612.54 |
| Eli Lilly and Company $LLY | 695.82B | 0.82% | -23.00% | $732.87 | $950.17 |
| Berkshire Hathaway Inc. $BRK.B | 1.08T | 0.00% | 25.22% | $499.56 | $575.00 |
| Invesco QQQ Trust $QQQ | 362.67B | 0.50% | 9.99% | $569.89 | **N/A |
| SPDR Dow Jones Industrial Average ETF Trust $DIA | 39.43B | 1.42% | 8.99% | $451.94 | N/A |
| iShares Gold Trust $IAU | 51.87B | 0.00% | 40.97% | $67.32 | N/A |
| SPDR Bloomberg Barclays 1-3 Months T-Bill ETF $BIL | 41.89B | 4.41% | -0.38% | $91.48 | N/A |
| Vanguard Total International Stock ETF $VXUS | 95.47B | 2.76% | 11.84% | $71.02 | N/A |
| Vanguard S&P500 ETF $VOO | 678.12B | 1.18% | 13.64% | $590.72 | N/A |
| Avg | 1.09% | 28.48% |
**N/A – ETF.
Chat’s Outperforms and outpaces the S&P
After plugging in the numbers in M1, we can see this portfolio isn’t doing so shabby (see graphics #3). Over 19% rate of return on your investment since January 1, 2025. It more than holds up against the S&P 500 for the same period (at 10.55%).
The 3-year return was 179.60%. That’s nearly a 60% annuallized average. Or better yet, if you put in $10,000 (8.29.22), your portfolio would be up to $40,960 (8.28.25).
To follow this pie, click here. It’s a link to my M1 pie. This is yet another reason I love investing with M1, as we can easily share these portfolios.
Top Three Holdings and How They Are Tracking
- Vanguard S&P 500 ETF’s $VOO is The Fund seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. 5-yr growth 79.08%
- Invesco QQQ Trust $QQQ is a fund that gives you access to the performance of the 101 largest non-financial companies listed on the Nasdaq. The fund and the index are rebalanced quarterly and reconstituted annually. 5-yr growth 272.05%
- SPDR Bloomberg Barclays 1-3 Months $BIL is a fund that seeks to provide investment results that, before fees and expenses, correspond generally to the price and yield performance of an index that tracks the 1-3 month sector of the United States Treasury Bill market. 5-yr growth -0.08% but pays out dividends. For investors prioritizing capital preservation and principal stability over yield, BIL represents one of the lowest-risk options available in the ETF universe.
Final Thoughts
As price inflation and income stagnation hit record highs, investing your money is the only way to go. So much so that all the politicians who are already multi-millionaires are doing it. The bottom 70% of the US is fueling the economy through spending. The top 30% are injecting money through investment and getting better returns.
Turns out 2050 will be way more expensive than 2025. In order for the average person to keep their current $60,000 annual expenses lifestyle, they will have to up the levels to about $120,000. If you are feeling the pinch now, just know it will not be easier later.
Invest to hit your millennial millionaire mark; it’s less heavy lifting than you think. I dished out my Million+retirement strategies all the time. Feel free to read up on it. Either way, diving into the what-if ChatGPT’s portfolio is a million worth of game.
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