Stock Market Prompts for Smarter Investors
16 ChatGPT prompts for stock research, earnings analysis, portfolio review, technical patterns, and the investment framework that separates informed decisions from gut trades.
In short: This page contains 16 copy-paste ready prompts, organized into 4 categories with a description and pro tip for each. The first 5 prompts are free instantly, no signup needed. Hand-curated and tested by the AI Academy team.
Research + Fundamentals
4 promptsStock Fundamental Analysis
1/16✨ What it does
ChatGPT analyzes [ticker] fundamentals, covering the business, growth, margins, debt, cash flow, valuation, moat, risks, and a bull or bear verdict. Recheck the filings yourself, then decide whether the verdict matches numbers you trust.
Analyze [ticker] fundamentals. Include: business model + revenue segments, revenue growth 3yr/5yr, profit margins trend, debt/equity, free cash flow, P/E vs industry, moat + competitive advantages, management track record, major risks, bull case / bear case / verdict.
Pro tip: Fundamental analysis = 80% of long-term returns. P/E, FCF growth, ROIC matter more than daily price action. Buy great businesses; price follows.
Earnings Report Breakdown
2/16✨ What it does
ChatGPT breaks down [company] earnings from EPS [describe], revenue [describe], and guidance [describe], including quality, segments, and what to do next. Read the release, then act only if the thesis still holds after the one-time items.
Break down [company] earnings. Beat/miss EPS: [describe]. Revenue: [describe]. Guidance: [describe]. Include: quality of earnings (one-time vs recurring), segment performance, management commentary red flags, guidance vs expectations, stock reaction vs fundamentals, action implications.
Pro tip: Beat/miss headlines mislead. Quality of earnings matters: organic growth > one-time gains; raised guidance > beat-then-lower. Read management commentary carefully.
Competitive Moat Analysis
3/16✨ What it does
ChatGPT sizes the moat of [company] as network, switching cost, brand, scale, or patents, plus 10-year durability and threats. Compare that to peers you know, then skip the name if the moat looks thin.
Analyze [company] competitive moat. Include: type of moat (network effects, switching costs, brand, scale, patents), strength (weak/narrow/wide), durability over 10 years, threats to moat (disruption, regulation, technology), comparison to industry peers.
Pro tip: Wide moats compound wealth. 10-year holding requires 10-year moat. Moats erode: Kodak, Blockbuster, Sears all seemed bulletproof. Durability = critical.
Industry Sector Analysis
4/16✨ What it does
ChatGPT writes an investment thesis for [sector] with drivers, headwinds, leaders, disruptors, valuation, cycles, and ETF versus stock picking. Choose an ETF if you do not want to pick names, or shortlist the two leaders you will research.
Analyze [sector] investment thesis. Include: growth drivers next 5 years, headwinds, top 3-5 leaders and why, disruptors to watch, valuation levels (expensive/cheap), historical sector cycles, ETF options (pros/cons vs stock picking).
Pro tip: Sector picking > stock picking for most investors. Right sector + index ETF often outperforms wrong sector + stock picking. Macro tilt matters.
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Portfolio + Strategy
4 promptsPortfolio Allocation
5/16✨ What it does
ChatGPT builds a stock portfolio for amount [$], age [X], risk [low/mid/high], and horizon [years], with stocks/bonds/cash and fund versus stock split. Buy the allocation you can hold, not every individual name it lists.
Build stock portfolio. Amount: [$]. Age: [X]. Risk tolerance: [low/mid/high]. Time horizon: [years]. Include: % stocks vs bonds vs cash, domestic vs international split, sector diversification, individual stocks vs index funds, specific recommendations with rationale.
Pro tip: "Age in bonds" rule: 100 - age = % stocks. 30-year-old: 70% stocks. Increasingly outdated; longer lifespans + low bond yields push 110 - age. Know your version.
Boglehead 3-Fund Portfolio
6/16✨ What it does
ChatGPT builds a 3-fund Boglehead mix for amount [$] and age [X], with US, international, and bond funds plus rebalancing rules. Open those three funds (or equivalents) and set a calendar reminder to rebalance.
Build 3-fund Boglehead portfolio. Amount: [$]. Age: [X]. Include: US total market index allocation, international total market, bond allocation (age-based), specific fund recommendations (VTI/VTIAX/BND or equivalents), expense ratios, rebalancing rules.
Pro tip: Boglehead 3-fund beats 90% of professional active funds over 20 years. Simplicity + low fees compound. More funds ≠ better returns; often worse through complexity.
Dividend Income Portfolio
7/16✨ What it does
ChatGPT builds a dividend portfolio for monthly income [amount] at risk [describe], balancing growth versus yield, sectors, SCHD/VYM, and tax treatment. Prefer qualified dividends in taxable accounts, then check the yield is not a value trap.
Build dividend income portfolio. Target income: $[amount]/month. Risk tolerance: [describe]. Include: dividend growth stocks vs high-yield balance, sector diversification, ETF options (SCHD, VYM), yield on cost vs current yield, qualified vs non-qualified tax impact.
Pro tip: Dividend stocks: yield above 6% often signals risk (cut coming). Focus on dividend GROWTH > current yield for long-term income. 3-4% growing at 8%/year = income doubles in 9 years.
Portfolio Rebalancing
8/16✨ What it does
ChatGPT rebalances from current [holdings and %] toward target [describe], with a trim/add list, taxes, and calendar versus threshold timing. Place only the trades that restore the target, and watch wash-sale and capital-gains costs.
Rebalance my portfolio. Current: [holdings and %]. Target: [describe]. Include: drift analysis, which positions to trim, which to add, tax implications (taxable account), timing (calendar vs threshold), specific trade list.
Pro tip: Rebalance when any allocation drifts >5%. Tax-advantaged accounts freely; taxable = careful (capital gains). Annual rebalance forces buying low, selling high: boring, effective.
Technical + Timing
3 promptsChart Pattern Recognition
9/16✨ What it does
ChatGPT reads [ticker] chart patterns on timeframe [describe], with trend, support, moving averages, volume, and stop levels. Treat those levels as a sketch, then confirm them on your own chart before you size a trade.
Analyze [ticker] chart patterns. Timeframe: [describe]. Include: current trend, support/resistance levels, key moving averages (50/200 day), volume patterns, bullish/bearish patterns identified, entry/exit levels, stop loss placement.
Pro tip: Technical analysis works better for timing, worse for picking. Fundamentals tell what to buy; charts tell when. Don't invert order.
Market Valuation Check
10/16✨ What it does
ChatGPT assesses market valuation from S&P P/E [describe], CAPE [X], and VIX [Y], plus recession signals and a cash-versus-invested tilt. Use it to set a cash buffer, not to time an all-in or all-out call.
Assess market valuation. Current S&P 500 P/E: [describe]. CAPE ratio: [X]. VIX: [Y]. Include: historical valuation percentile, bull/bear signals, recession indicators (yield curve, unemployment), cash vs invested allocation recommendation.
Pro tip: Market timing fails for 95%. But valuation extremes (CAPE >30 or <10) meaningful signals for 10-year returns. Adjust contribution intensity, don't exit markets.
Entry/Exit Plan
11/16✨ What it does
ChatGPT plans entry and exit for [ticker] from thesis [describe], with scale-in price, size, stops, profit targets, and a fundamental exit. Write those levels down before you buy, then follow the stop you already chose.
Plan entry/exit for [ticker]. Thesis: [describe]. Include: target entry price (current, on dip, scaled-in), position size (% of portfolio), stop loss level, profit targets (multiple levels), fundamental trigger for exit beyond price.
Pro tip: Scaled entries (1/3 now, 1/3 on dip, 1/3 on reversal) beat all-in timing. Stop losses prevent catastrophes; trailing stops lock in gains. Plan before buying.
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Analysis + Decisions
5 promptsStock Comparison
12/16✨ What it does
ChatGPT compares [Stock A] versus [Stock B] on business, metrics, growth, moat, valuation, management, and whether to buy one, both, or neither. Pick at most one new position unless both clearly earn a slot.
Compare [Stock A] vs [Stock B] for portfolio addition. Include: business comparison, financial metrics side-by-side, growth rates, moat, valuation, management quality, risks, ideal allocation, which to buy / both / neither.
Pro tip: Side-by-side comparison reveals relative strengths. One stock alone looks "good" or "bad"; comparison reveals better opportunity. Always compare before buying.
Buy/Sell/Hold Decision Framework
13/16✨ What it does
ChatGPT runs buy/sell/hold on [ticker] given position [describe] and news [describe], checking thesis, valuation, alternatives, taxes, and bias. Do the action it justifies, or sit still if the thesis is intact and taxes would sting.
Should I buy/sell/hold [ticker]? Current position: [describe]. Recent news: [describe]. Include: thesis intact?, valuation current?, better alternatives?, tax cost of selling, emotional bias check, specific action with rationale.
Pro tip: Hold bias: most investors hold losers too long, sell winners too soon. Check: would I buy this today at current price? No = sell. Yes = hold/add. Removes emotional anchoring.
Covered Call Strategy
14/16✨ What it does
ChatGPT plans a covered call on [ticker] for [X] shares at price [Y], covering strike, expiration, premium, assignment, taxes, and early close. Sell a call only if you accept assignment, then track the premium after fees and tax.
Plan covered call strategy. Stock: [ticker]. Shares: [X]. Current price: $[Y]. Include: strike selection (OTM percentage), expiration (weekly vs monthly), premium income target, assignment risk acceptance, tax implications, when to close early.
Pro tip: Covered calls = income but cap upside. Best on stocks you're okay selling. Cut it when strong catalyst approaches (earnings): keep upside. Wheel strategy popular but discipline-heavy.
Tax-Loss Harvesting
15/16✨ What it does
ChatGPT finds tax-loss harvests in [holdings with cost basis] and losses [describe], with wash-sale replacements and the $3K income limit. Sell the loser, buy a similar-not-identical stand-in, and wait 31 days if you want the original back.
Tax-loss harvesting opportunities. Portfolio: [holdings with cost basis]. Current losses: [describe]. Include: harvesting candidates, wash sale rule compliance (30-day before/after), replacement securities, annual $3K deduction limit, carry-forward strategy.
Pro tip: Wash sale: can't buy same/substantially identical security 30 days before/after sale. Use similar (not identical): sell VOO, buy IVV temporarily. Mechanical but saves thousands in taxes.
Dividend Reinvestment Plan
16/16✨ What it does
ChatGPT plans dividend reinvestment for portfolio [list] with annual dividends [X], covering DRIP versus cash, account type, and a later income switch. Turn DRIP on in tax-advantaged accounts, and think twice in taxable if you want control.
Dividend reinvestment strategy. Dividend portfolio: [list]. Annual dividends: $[X]. Include: DRIP auto-reinvest vs cash payout, concentration vs diversification, tax-advantaged vs taxable accounts, yield drag during accumulation, transition to income in retirement.
Pro tip: DRIP = forced low-cost purchasing + compounding. Powerful in tax-advantaged accounts; slightly less so in taxable (taxed before reinvesting). Toggle DRIP off approaching retirement.
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