Creator1

On January 6th, I posted an article that had the premise of letting ChatGPT pick stocks based on a specific criteria. I restricted ChatGPT to pick 5 shares it felt that would outperform the overall market. Initially, I felt I should do updates weekly, but have chose to update this roughly once a month (shooting for once every three weeks or so). The reason I don’t want to check this and report weekly updates is because it directly goes against my investment philosophy. I found the more I am looking at the price, the more I get anxious about it, the more a fixate on it. That’s not what investing in the market is supposed to do! You’re money is supposed to work for you, not you working for it, I found that if I monitor it too closely I cannot let it sit and grow.

The five companies picked by ChatGPT are largely growth stocks with market history and positive outlooks for continued growth. On my side of the competition is testing an age long theory that you cannot outperform the market over the long term. I chose the FNILX mutual fund from Fidelity. I did this because this is essentially the S&P 500 index fund, but Fidelity hasn’t paid to use the S&P 500 name which saves me from expenses.

Issues with the picks;

Much like the market cap weighted S&P 500, three of these stocks account for roughly 25% of the entire S&P 500 (NVIDIA, Microsoft, Apple). This means that there is a disproportionate risk and weight to the stocks picked by AI as we have seen in the past few days thanks to Deep Seek.

Anyway, enough with the boring part, lets see some returns!

Portfolio Allocation:

Stock	Shares Purchased	Price on Jan 28, 2025	Total Value
Apple Inc. (AAPL)	1.2245 shares	$229.86	$281.43
Microsoft Corp. (MSFT)	0.5844 shares	$434.56	$254.10
NVIDIA Corp. (NVDA)	1.3387 shares	$118.42	$158.58
Procter & Gamble Co. (PG)	0.9342 shares	$169.66	$158.52
Amazon.com Inc. (AMZN)	0.4394 shares	$235.42	$103.50

Fidelity ZERO Large Cap Index Fund (FNILX).

Purchase Date: January 6, 2025
Purchase Price: $21.29 per share
Investment Amount: $1,000
Shares Purchased: Approximately 46.97 shares
Current Value as of January 24, 2025:

Current Price: $21.75 per share
Total Value: 46.97 shares × $21.75 = $1,021.60

Investment comparison:

ChatGPT:

$ 956.13 -4.387% – $43.87

Me:

$1,021.60 +2.16% +$21.60