"I Bought What ChatGPT Told Me to Buy, and It Paid Off"... Investing in Stocks on AI Advice? [World of Retail Investors]

Input: 2026-07-19 06:00:00

Updated: 2026-07-19 06:00:00

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/ Photo=ChatGPT [Financial News] "I started investing in stocks because of AI. " That stock-investing tip, recently shared by model-turned-actress and broadcaster Byun Jung-soo on a YouTube channel, has become a hot topic among investors.

Byun said in a Bangkok travel video posted recently on the YouTube channel 'Bolbbalgan Nyeonnyeonnyeon' that she began investing in stocks because of artificial intelligence (AI). 75 million won per share on ChatGPT's recommendation and made a profit.Byun's success story, in which she said she has already recovered her principal and is now investing only with profits, drew wide attention. In fact, more individual investors have recently been turning to AI tools such as ChatGPT and Gemini for active investing.The trend now goes beyond simply analyzing company information or market trends, with some investors even using AI to manage portfolios or pick stocks to buy. A global survey found that 62% of retail investors are already using AI for investing.

Housewife A, 42, a novice investor, also said she has tried buying stocks based on AI recommendations. A said, "I heard from people around me that they ask AI about stock trends or get stock recommendations, so I recently tried using it myself as an experiment," adding, "I don't expect a huge windfall just because everyone is using AI, but it does seem helpful for looking at the overall trend and checking company information.

" Overseas, this has already become part of everyday life. In a survey of 938 U.

S. individual investors conducted in March, the financial news outlet Investing.

com said 62% of respondents use AI in their investment decisions. 6% said they had invested several times by following AI-generated trading ideas.

In May, The Wall Street Journal (WSJ) also reported, citing the global trading platform eToro, that about 30% of investors are already using AI to manage their portfolios.

Retail investors in South Korea are also turning to AI, much like Byun and A.

More and more people are saying they bought stocks because "AI told me to," and investors are rapidly expanding their use of large language models such as ChatGPT and Claude as investment tools, from summarizing news to generating ideas for stock picks.

Some are going even further, asking AI to summarize and analyze complex corporate financial statements and business reports.

Books on how to use AI for stock investing have already been published, and lecture content on the topic is also flooding the market.

Can AI really help with investing? It depends on how you use it.

There are also warnings not to trust AI blindly.

One example is office worker B, 35, who recently stopped using AI for stock investing.

He said, "For cross-checking, I use multiple AIs, including ChatGPT, Gemini and Claude, but even when I ask about the same stock, the analysis differs slightly, and on some days they even give different current prices.

" He added, "I had heard that AI can hallucinate, but when that kept happening, I lost trust in it and recently canceled my paid subscription.

" A lack of consistency and hallucinations, which are among AI's best-known weaknesses, are lowering confidence in its investment advice.

So how should AI be used to help with investing? A recent paper titled "Can LLM-based Financial Investing Strategies Outperform the Market in Long Run?" published on arXiv by a joint research team from the University of Edinburgh, Sungkyunkwan University and UCLA offers one answer.

According to the team's findings, based on tests of LLM-driven stock-investing strategies across more than 100 stocks over 20 years from 2004 to 2024, active strategies that relied on frequent AI-based rebalancing did not outperform a simple buy-and-hold strategy over the long term.

The reason was that AI was too cautious in bull markets and too reckless in bear markets.

Applied to the KOSPI's recent highly volatile market, where prices swing 5% to 10% in a single day, this could be a serious weakness.

But that does not mean AI should not be used in investing at all.

The research team suggested that AI clearly has value in quickly summarizing corporate disclosures, extracting key points from earnings reports and organizing basic information on multiple stocks.

The key point is that it is risky to leave direct buy and sell decisions to AI, such as "Should I buy now or not?" or "Which stocks should I buy, and how much?" In a paper on financial recommendations from AI tools published in the June issue of the Journal of Financial Planning by professors from the University of Rome Tor Vergata and the University of Georgia, the researchers warned that "AI answers may sound confident, but they can still be incomplete, misleading or inaccurate.

" I don't want to become someone who says, "I should have bought, I should have sold, I should have held." Yet somehow, everyone else seems to be doing well with stocks, real estate and money management without me.The world of investing is hard no matter how much you study, so if you want to receive [World of Retail Investors] comfortably, please subscribe to the reporter page.We also welcome tips from retail investors who have an investment story they would like to share.

bng@fnnews.com Kim Hee-sun Reporter

· This article has been translated by GripLabs Mingo AI.

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