The days of spending hours digging through financial statements, skimming annual reports, Googling stock insights, and second-guessing your decisions are over. There’s a better way to navigate your investing journey and it starts with AI.

ChatGPT and AI are changing the game for investors at every level. Whether you’re just getting started or you’ve been at it for years, AI can help you save time, spot opportunities, and cut down the guesswork.

But here’s the part most people miss: the power of ChatGPT depends on how you use it. Knowing how to ask the right questions makes all the difference. Ask better prompts, get better answers and make smarter investing decisions.

In this article, I’ll walk you through five simple, effective prompts you can try today, plus a quick intro to a skill that takes your AI results to the next level: prompt engineering.

What is Prompt Engineering (And Why You Should Care?)

Prompt engineering is the skill of giving ChatGPT clear, specific instructions so it gives you what you actually need.

When your question is vague, ChatGPT might give you a generic answer. But when your prompt is focused, it becomes a powerful assistant, ready to break down stock fundamentals, compare companies, or even walk you through market trends. It’s like having a research analyst that works 24/7 and doesn’t miss a detail.

❌ Weak prompt:
“Tell me about Apple.”

✅ Strong prompt:
“Act as a professional equity analyst. Provide a fundamental analysis of Apple, including revenue trends, profit margins, and competitive positioning.”

Pro Tip: Train ChatGPT to Think Like an Expert

One of the most effective things you can do is set the stage before asking your investing questions.

Try this: “You are a world-class investor and financial advisor with 20 years of experience managing portfolios. I’m an everyday investor looking for smarter ways to analyze stocks. Help guide me step-by-step. Please confirm you understand.”

This helps ChatGPT respond with more context, structure, and authority, especially if you’re not sure where to begin.

Want to go deeper? You can even ask ChatGPT to generate tailored prompts for you based on your goals and then start a new chat where you set the stage first. This approach helps you build a focused, ongoing conversation with better results every time.

Here’s a helpful article from OpenAI on prompt engineering best practices if you want to dig deeper into this technique.

“You are a seasoned portfolio strategist, equity analyst, and CFA charterholder with over 20 years of experience managing diversified investment portfolios. Your focus is on long-term growth through a combination of fundamental analysis, sector rotation, and macroeconomic trend analysis. You use data-driven insights and risk-adjusted frameworks to help clients build resilient portfolios. I manage my own portfolio and have a solid understanding of investing fundamentals. My goal is to identify undervalued or emerging growth opportunities and refine my current holdings based on performance, sector exposure, and risk. Walk me through the most effective ways to evaluate portfolio strengths and weaknesses, and how to spot potential growth plays in today’s market.”

Granular example of prompt engineering

Five Prompts You Can Use Right Now

Here are five practical prompts you can copy, paste, and use right now to speed up your research and improve your decision-making!

Prompt 1: Analyze a Stock’s Fundamentals

🧠 Prompt to Use:
“Act as a financial analyst. Analyze Microsoft’s financial health using key metrics like revenue growth, profit margins, free cash flow, and valuation ratios. Summarize in plain language for a long-term investor“

💡 Why It Works:
Delivers a full-picture analysis without the jargon, so you can understand whether the stock is fundamentally strong.

✏️ Pro Tip:
Swap out “Microsoft” for any stock and ask ChatGPT for comparisons to industry averages or past performance for extra context.

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Prompt 2: Compare Multiple Companies

🧠 Prompt to Use:
“You are an equity analyst. Compare Netflix and Disney in terms of revenue growth, content strategy, and international expansion over the last 3 years. Recommend which may offer better long-term potential and why.”

💡 Why It Works:
Side-by-side comparisons help you spot which company is better positioned for growth without bouncing between tabs.

✏️ Pro Tip: Try this with other competitors like Amazon or ask ChatGPT to add valuation insights.

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Prompt 3: Identify Investment Trends

🧠 Prompt to Use:
“What are 3 emerging investment trends for 2025, and which sectors or industries are expected to benefit most? Include real-world drivers and examples of companies leading in each space.”

💡 Why It Works:
A smart way to discover where market momentum is building so you can explore opportunities before they “pop”

✏️ Pro Tip:
Ask for a list of specific companies or ETFs within a growing sector like AI, renewable energy, or semiconductors.

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Prompt 4: Understand Risk Before You Invest

🧠 Prompt to Use:
“Act as a sector analyst. Identify and explain the top 3 risks facing the semiconductor industry in 2025, and how they could impact long-term investors. Include historical context if relevant“

💡 Why It Works:
Gives you a better sense of what could go wrong before investing in a specific sector or company.

✏️ Pro Tip: Follow up with: “How are major chipmakers like NVIDIA or Intel addressing these risks?”

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Prompt 5: Generate Investment Ideas Based on Your Criteria

🧠 Prompt to Use:
“Suggest 3 long-term growth stocks in the cyber security sector with strong fundamentals, low debt, and consistent earnings. Briefly explain why each is a promising investment

💡 Why It Works:
You provide the goal, ChatGPT delivers a focused list of ideas based on real data, not hype.

✏️ Pro Tip:
Tweak the criteria to match your style: try dividend stocks, value plays, or small caps in emerging markets.

Want More Prompts Like These?

These five prompts are just the beginning. In my free guide, “How to Invest with ChatGPT: A Smarter Approach to Stock Research & Portfolio Management,” I’ll show you how to take it even further with:

• Dozens of high-impact prompts for all types of investors
• How to use AI for portfolio planning and market scenario analysis
• Real-world strategies to save time, avoid costly mistakes, and invest with more confidence

📥 Grab your free copy here or down below: https://stocksavvydad.com/ai-investing/

One last thing: While ChatGPT is incredibly useful, it’s not perfect. Always cross-check any AI-generated insights with trusted financial sources and consult a professional financial advisor before making real-world investment decisions. AI can guide you but it’s up to you to verify and decide.