ChatGPT Prompts for Investment Portfolio: 11 Review Checks

ChatGPT prompts for investment portfolio reviews are most useful for math and questions: paste your holdings, account types, and target mix, and ask for allocation, drift, concentration, and fee checks you can verify. The 11 prompts below never ask the model to pick investments or predict returns. This is educational content, not investment, tax, or legal advice, so bring the results to a fee-only fiduciary advisor or tax professional before acting.

What ChatGPT can and cannot do here

A language model is good at organizing your numbers, doing arithmetic you can check, and spotting things to ask about, such as one stock making up a large share of everything. It does not know your full situation, current prices, or tax law details for your case, and it can make arithmetic mistakes. Ask it to show its math, check totals add to 100 percent, and say "missing" instead of guessing.

Organize what you own

1. Snapshot table

Here are my holdings with account type, value, and asset class: [paste]. Build a table with percent of total, show the total, and confirm the percentages add to 100.

2. Asset class tagging

For each fund here, [paste names], tell me which asset class it belongs to based on its name and stated objective, and flag any you are unsure of so I can check the fund fact sheet.

3. Missing data list

From this portfolio, [paste], list every number you would need to do a full review that I have not given, such as cost basis or expense ratios.

Allocation and risk checks

4. Drift vs target

My target is [mix]. Using my snapshot, show current percent, target percent, drift in points, and dollars over or under for each asset class, with the arithmetic.

5. Concentration flag

Flag any single holding above 10 percent of my total, including employer stock, and explain the risk of having my job and my savings tied to the same company.

6. Fund overlap

These funds may hold the same companies: [paste]. Explain where overlap is likely based on what each fund tracks, and what I should look up to confirm it.

Costs, contributions, and taxes

7. Fee check

For each fund, multiply value by expense ratio to get the yearly cost in dollars, then give the total and the weighted expense ratio: [paste].

8. Rebalance with new money

I add [amount] a month to [account]. How many months would it take to close my underweight gaps without selling, and which accounts can actually buy the underweight funds?

9. Tax awareness list

Which of these moves would happen inside tax-advantaged accounts and which would realize gains in taxable accounts, using my cost basis: [paste]? Do not estimate tax owed.

Before you meet an advisor

10. Fit questions

My horizon is [years], the money is for [goal], and in the last big drop I [what you did]. Write 5 questions about whether my target mix fits me.

11. Advisor meeting brief

Turn this review into a one-page brief for a fee-only fiduciary advisor: snapshot, drift, concentration, fees, and my open questions. No recommendations.

Worked example

An investor with $100,000 across a 401(k), an IRA, a taxable brokerage account, and savings had a target of 55 percent US stock, 25 percent international, 15 percent bonds, and 5 percent cash. The flagship prompt showed US stock at 72 percent once employer stock was counted, 17 points over target, while international sat 13 points under and bonds 6 points under. Drifts summed to zero, which is the check that the math is right.

It flagged employer stock at 18 percent of the total, calculated yearly fund costs of $30.30, worked out that closing the $19,000 underweight gap with new money alone would take about 32 months of $1,000 contributions, because the targets grow as the total grows, and noted that selling the employer shares would realize a $7,000 gain to discuss with a tax professional. Get the full investment portfolio allocation check prompt.

Related finance prompts

For long-range planning, try the retirement planning scenarios prompt and ChatGPT prompts for retirement planning. Researching single companies is covered in ChatGPT prompts for stock research, and budgets and goals in ChatGPT prompts for financial planning.

Find more in the Finance prompts hub, browse all prompts, or share your own prompt.