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 Entire Prompt:
Before you use it, just remember:
copy the entire prompt in italics below
paste into ChatGPT, Gemini, or your favorite AI app
run the prompt
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
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.
