Does the evolving set of artificial intelligence (AI) platforms based on large language models generate sound equity diversification allocations? Are they monolithic, or diverse? As a simple exploration, we pose to each of Grok, ChatGPT, Claude, Perplexity and Gemini the following prompt about optimal allocations among broad equity exchange-traded funds (ETF):
Considering both expected returns and diversification benefits, please provide your unique view of the optimal allocations to SPY, QQQ, IWM, EFA and EEM for the equity part of the portfolio for a typical individual investor. Please also recommend a rebalancing frequency.
We then compare and contrast results from AI panel members. Using responses to the prompt as posed at the end of August 2026, we find that:
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