Finder’s ChatGPT investment fund is still outperforming the UK’s 10 most popular funds

A fund consisting of 38 stocks chosen by ChatGPT has risen by an impressive 41.97% in the 2 since it was created on 3 March 2023 by the personal finance comparison site finder.com.

This fictional fund has outperformed the average of the UK’s 10 most popular funds by 14 percentage points, which have collectively gained just 27.63% in value over the same period.

At its highest point so far – on 23 January 2025  – the ChatGPT fund was beating the most popular funds by almost 23 percentage points. The ChatGPT fund has outpaced the real funds for 99% of its lifespan.

To create the fictional fund, Finder asked ChatGPT to create a portfolio of stocks that followed investing principles from existing leading funds. Despite warnings that it ‘cannot provide specific investment advice’, the AI tool was happy to create the list upon being told that it was a theoretical exercise.

ChatGPT chose 38 stocks in total. The top performers in the fund after 2 years are NVIDIA, up 377.44%; Meta, up 253.6%; and Netflix, up 208.93%.

2 in 5 Brits have used or would consider using ChatGPT for financial advice

A March 2025 survey by Finder revealed that 40% of Brits, an estimated 21.5 million people, had either used or would consider using ChatGPT for money advice. This number has increased significantly since the start of the experiment 2 years ago, when just 27% of Brits said they would use ChatGPT for this purpose.

The 40% figure includes 13% of Brits, around 7 million, who have already used the AI tool for advice on their finances and a further 27% who stated that they would consider using it in the future. The number of people who’ve already used ChatGPT for financial advice has increased from 8% in 2023.

Interestingly, despite widespread coverage in the media, 21% of Brits still don’t know what ChatGPT is. This is still lower than in 2023, when 38% of Brits didn’t know what ChatGPT was, suggesting that awareness of the AI tool has increased.

Awareness is highest in the younger generations, with only 9% of generation Z (aged 18-27) and 13% of millennials (aged 28-43) stating they don’t know what ChatGPT is. Meanwhile, 32% of baby boomers (aged 60-78) and 39% of the silent generation (aged 79+) don’t know what ChatGPT is.

George Sweeney DipFA, investing expert at Finder, said:

“It’s a real eye-opener that the portfolio chosen by ChatGPT’s AI technology has seen significantly more growth after 2 years than some of the UK’s most popular funds. However, fund managers sometimes have objectives and mandates other than pure growth, like minimising volatility.

In a bull market, picking winning stocks is a lot easier than in a bear market, and I’m sure some fund managers would argue that the success of this portfolio is down to luck – although this is an accusation that has regularly been leveled at them in the past.

Before anyone rushes to follow ChatGPT’s picks, it’s worth remembering that investing isn’t just about picking trending stocks with momentum – it’s about risk management, diversification, realistic goals, and staying invested for the long term.
It’s also about having the right strategy and using the right platform. For example, regulated spread betting brokers are a little different from just leaving money in an interest-bearing ISA account.

“The fact that 7 million Brits have already turned to ChatGPT for financial advice shows people want help navigating their finances. AI can be a useful tool, but it’s not a substitute for proper research or speaking with a qualified adviser. The key takeaway here? There are more ways than ever to access markets and financial information – whether it’s through AI, qualified experts, or DIY research – the general public is keen to make their money work harder for them.”

Methodology and notes:

Analysts at finder.com asked Chat GPT to create a theoretical fund of over 30 stocks based on a range of criteria selected from popular funds. The average performance of the 38 stocks it chose is compared daily against the funds. The fictional fund is tracking stocks in dollars but to ensure fairness, the performance of the fictional fund is then converted to GBP so it is on the same scale as the real funds, which all report in GBP. The 2-year performance is between 3 March 2023 and 3 March 2025.

The UK’s 10 most popular funds were taken from the March 2023 version of a list of the most popular funds on Interactive Investor’s platform.

Finder commissioned Censuswide in March 2025 and March 2023 to carry out a nationally representative survey of adults aged 18+ to ask about their intentions to use ChatGPT for financial advice. A total of 2,000 people were questioned throughout Great Britain, with representative quotas for gender, age and region.

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.