Is the evolving set of artificial intelligence (AI) platforms based on large language models interesting as retirement portfolio specification advisors? Are they monolithic, or diverse? As a simple exploration, we pose to each of Grok, ChatGPT, Claude, Perplexity and Gemini the following prompt regarding exchange-traded fund (ETF) selections and weights:
For a hypothetical U.S. investor with moderate risk tolerance at each of ages 30, 40, 50, 60, 70 and 80, please provide your unique view on the three ETFs, with annually rebalanced fixed weights, that the investor should hold in a retirement portfolio over the next 10 years. Do not provide any explanation.
We then compare and contrast results from AI panel members. Using responses to the prompt as posed in early June 2026, we find that:
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