AI Prompts for Gemini for Investing

Explain [CONCEPT: COMPOUND INTEREST, EXPENSE RATIOS, P/E RATIO, BOND DURATION, DOLLAR-COST AVERAGING, INDEX INVESTING, ETC.] as clearly as possible. Then tell me the one thing most beginner investors misunderstand about it and how that misunderstanding leads them to make worse decisions.

Help me understand my investor profile. Ask me ten questions about my goals, timeline, financial situation, and how I would actually react to different market scenarios. After I answer, give me a realistic assessment of my risk tolerance, my appropriate asset allocation, and the investing approach most likely to work for me.

Help me understand what is happening with [MARKET EVENT: INTEREST RATE CHANGES, A MARKET CORRECTION, A SECTOR CRASH, INFLATION, ETC.]. Explain what is driving it, what it historically means for different types of investors, and what the common overreactions are that I should avoid.

Help me understand the main tax-advantaged investment account options available to someone in [COUNTRY / EMPLOYMENT SITUATION]. What are the contribution limits, tax benefits, withdrawal rules, and ideal use cases for each? Given my situation [DESCRIBE], which should I prioritize and in what order?

I want to invest more confidently but I realize I have gaps in my knowledge. Here is what I think I understand: [LIST]. Here is what confuses me: [LIST]. Help me identify the most important gaps to fill first and suggest the clearest way to learn each topic so I can make better decisions.

I am researching [COMPANY / TICKER]. Help me analyze the business: what does it actually do, how does it make money, what are the main competitive threats, what would need to be true for it to grow from here, and what are the biggest risks. Do not give me a recommendation, just help me think clearly about the business model and competitive position.

I am looking at [FUND / ETF NAME]. Help me understand what I am actually buying: what index or strategy does it track, what are the largest holdings, what is the expense ratio and how does that compound over time, how correlated is it with the broad market, and how does it complement or overlap with what I already own: [CURRENT HOLDINGS].

Help me compare [OPTION A] vs [OPTION B] for someone with my profile: [GOAL, TIMELINE, RISK TOLERANCE]. For each: what it actually is, how it has behaved in different market conditions, the fee and tax implications, and who it is best suited for. End with the one question I should answer before choosing between them.

I am considering investing in [SECTOR / COMPANY / THEME] based on this reasoning: [DESCRIBE YOUR THESIS]. Play devil's advocate and challenge my thesis. What am I probably overweighting? What risks am I underweighting? What would have to be true for this thesis to fail, and how likely are those scenarios?

I am looking at [INVESTMENT: A STOCK, A FUND, A TRADING STRATEGY, A TIP I RECEIVED]. Here is what I know about it: [DESCRIBE]. Help me identify any red flags: unusual claims about returns, fee structures that benefit the seller, strategies that only work in specific conditions, or signs this might be too good to be true.

Help me design a portfolio for my situation: [AGE, GOAL, TIMELINE, MONTHLY INVESTMENT AMOUNT, RISK TOLERANCE]. I want something simple, low-cost, and that I will not need to constantly monitor. Give me an asset allocation with fund types (not tickers), the logic behind it, and a simple rebalancing rule to follow once a year.

Here is my current portfolio: [LIST HOLDINGS, ALLOCATION, AND ROUGH AMOUNTS]. Evaluate it honestly. What are the strengths? What are the gaps or concentrations I might not have intended? What is my effective fee load? How would this portfolio likely behave in a major downturn? What is the one change that would improve it most?

I have [AMOUNT] to invest. My current portfolio is [DESCRIBE] and my goals are [DESCRIBE]. Should I invest it all at once or spread it out? What is the right strategy for deploying this money given my situation? Help me think through the math and the psychology of each approach.

My target allocation was [X% STOCKS / Y% BONDS / Z% OTHER]. It has drifted to [CURRENT ALLOCATION]. Help me think through whether and how to rebalance. What are the tax implications of selling? What is the threshold at which rebalancing makes sense? Are there ways to rebalance with new contributions instead of selling?

My situation is changing: [DESCRIPTION: APPROACHING RETIREMENT, HAVING A CHILD, LOSING INCOME, RECEIVING AN INHERITANCE, ETC.]. How should I adjust my portfolio to reflect this change? What needs to shift in my allocation, my time horizon, or my risk exposure? Walk me through the logic, not just the answer.

The market is down [X]% and I am feeling [PANICKED / TEMPTED TO SELL / UNCERTAIN]. Help me think through this clearly. What does the historical record show about downturns and recoveries? Under what circumstances would selling now actually be rational? What is the question I should be asking instead of "should I sell now?"

I have a tendency to [BEHAVIOR: CHECK MY PORTFOLIO CONSTANTLY / BUY WHAT IS GOING UP / SELL WHEN THINGS DROP / CHASE TRENDS]. Help me understand the psychology behind this behavior and design a concrete rule or system to protect against it. I want my investment decisions driven by my strategy, not my emotions.

I have been following [INVESTMENT STRATEGY] for [TIMEFRAME] and I am considering switching to [NEW APPROACH] because [REASON]. Help me evaluate this honestly. Is my reason for changing based on sound logic, or am I reacting to recent performance? What are the switching costs? What would I need to be confident about before changing?

Help me run my annual investment review. My goal is [GOAL], timeline is [TIMELINE], current allocation is [ALLOCATION], and here is what happened this year: [CONTRIBUTIONS, PERFORMANCE, LIFE CHANGES]. What should I check, what should I update, and what questions should I ask myself once a year to stay on track?

I keep reading about [HOT INVESTMENT: A SPECIFIC STOCK, CRYPTO, A SECTOR, A STRATEGY] that is generating impressive returns and I am feeling like I am missing out. Help me think through this rationally. What is the actual evidence for this opportunity? What am I probably not seeing? How should I evaluate whether this fits my actual strategy, not just my FOMO?