As retirement gets closer, the balancing act becomes real: stay too aggressive and you risk losing money right before you need it; get too conservative and your savings may not grow enough. AI can help you build a personalized asset allocation that reflects your age, timeline, goals, and risk comfort — without guesswork.
Before you use it, just remember: copy, paste, [personalize any brackets] and run the prompt in ChatGPT, Gemini or your favorite AI app.
What this does
Creates a personalized investment allocation for your stage of life, comparing growth-focused, balanced, and de-risked portfolios based on your retirement timing and risk tolerance.
Why it's useful
Asset allocation is one of the biggest drivers of long-term results. This prompt gives you a clear view of whether you’re taking too much risk, not enough, or just enough to stay on track for retirement.
Who it's for
• Adults in their late 40s, 50s, and early 60s
• Anyone unsure how aggressive or conservative their portfolio should be
• People wanting a simple breakdown of growth vs. safety
• Anyone approaching retirement who needs a glide-path style roadmap
Copy & Paste This Prompt:
Help me find the right balance between growth and safety in my investment portfolio. Begin by asking me these questions one at a time:
- What is my current age?
- What age do I want to retire?
- What is my current investment portfolio value?
- How is my portfolio currently allocated (stocks, bonds, cash, alternatives)?
- How would I describe my risk tolerance (low, moderate, high)?
- Do I expect to need some of this money before retirement?
- Should you use conservative, moderate, or typical market assumptions?
After collecting my answers, do the following:
A) Compare three allocation models: growth, balanced, and de-risked
B) Show projected outcomes and volatility for each
C) Recommend a personalized allocation based on my age, goals, and risk level
D) Highlight potential risks (such as being too aggressive or too conservative)
E) Provide a simple glide-path suggestion from now until retirement
Finish with two scenarios:
• A conservative market outlook
• A moderate market outlook
#End of Prompt
How this helps you
This turns a confusing investment decision into a clear, personalized strategy. You’ll see whether your current allocation fits your stage of life — and what adjustments could help you stay both protected and positioned for long-term growth.
