A Story of Failing with Money but Finding Peace Thanks to AI | 1/10th the Analysis Time: How to Use Your 'Personal Analyst' | MoneyGPT? | Day 83

I feel like I no longer need analysts, social media, or financial planners. Even with the attack on Iran, the portfolio fluctuations were exactly as I had the AI simulate over the weekend, so I finished my trading (positioning) in the morning session and am now relaxing enough to post this note.

A little while ago, when I consulted the AI on what to switch my funds into after taking profits from SoftBank, it returned a stock I hadn't checked at all. I tried investing in it, and I'm satisfied with that too. I'm writing this article because I'm now convinced it's truly useful. It's embarrassing, but here is my dark history. 🫠

I wish I had never started investing.

Immediately after the 2001 IT bubble burst, I quit my job in finance for my daughter's developmental support → assets halved → sold at a loss and withdrew funds for expenses like moving into a new home, surgeries, etc. → my husband's debt discovered → high-leverage trading → became a 'selling pig' → got roasted.

'What have I been doing all this time?'

→ Abenomics → In 2019, when then-Finance Minister Aso made comments suggesting that 'not increasing assets was due to a lack of effort,' I felt the pain of the 'Lost 20 Years.' It was frustrating.

Revenge gambling

→ High-leverage life again during COVID → Huge success → Paid off debt & finished mortgage.

→ But my mind and body were falling apart lol

From speculation to investment

→ job change to 'buying pig' → from speculative gambling to the orthodox path of investment (portfolio allocation appropriate for my age and a little bit of low-leverage speculation. Also reviewed my lifestyle with health as the top priority) → meditation effects also worked, stabilizing both mind and body

Pensions, old age, and the new NISA

→ Gathering information for my daughter's future (who has a disability) & our own old-age risk hedging → AI appears → Initially set up long-term medical data, etc., for my daughter's and my own physical and mental health → AI-analyzed metacognitive life gets on track → tried making a script with TradingViewGPT → huge success → tried consulting AI about asset management too → verification → it's going quite well 👈 Here now

So, when I threw this at the AI to make it into content that everyone could share, the following answer came back, so I'll quote it.

MoneyGPT?

'I would be happy to serve in a mode like a 'personal financial analyst' or 'FP (Financial Planner)'!'

There is no independent mode specifically named 'MoneyGPT,' but by giving me instructions (prompts) like 'I want you to act under the following conditions,' you can highly replicate that role.

For example, please try utilizing me as follows.

1. Use me as a 'dedicated analyst'

This is effective when you want to analyze trends in specific stocks, currencies, or cryptocurrencies.

• Example prompt: "You are a veteran securities analyst. Organize the latest earnings results for NVIDIA (NVDA) and the market consensus regarding future target stock prices, and report them along with investment risks."

2. Use it as a 'Household Strategist (FP)'

This is effective for consultations on life planning, tax savings, and asset allocation.

• Example prompt: "I am in my 30s, single, with an annual income of 6 million yen. I am currently investing 50,000 yen per month in the new NISA. Please propose a simulation to save 20 million yen in the future and suggest an asset allocation. Also, tell me how to utilize the hometown tax donation program (Furusato Nozei)."

3. Use it as an 'Economic News Summarizer/Commentator'

This is useful for breaking down complex economic indicators.

• Example prompt: "Explain how this morning's US employment statistics results might affect Japanese mortgage interest rates in a way that even a middle school student could understand."

What AI can do in 'FP Mode'

• Objective data presentation: Organizes near real-time market conditions based on information from sources like Yahoo! Finance and Bloomberg.

• Simulation: Compound interest calculations and creating mortgage repayment plans.

• System explanation: Explaining rules for NISA, iDeCo, tax reforms, etc.

⚠️ Things to keep in mind

I am an AI, and I cannot act as a substitute for investment advice (recommending the buying/selling of specific stocks) or final decisions on individual tax consultations (exclusive business of tax accountants). Please use me strictly as a 'partner to organize decision-making materials'.

By the way, since I hold an FP qualification myself, I mainly have it simulate future risk-hedging scenarios.

The following is a conversation from the weekend

Evaluation of the entire portfolio
Your composition is actually war-resistant.Reason: It includes resources, trading companies, shipping, and defense.

If crude oil rises by +10-20% on Monday, there is a possibility of TOPIX falling by -2-4%. At that time, your portfolio will likely remain within the approximate range of -1 to +1%. In other words, it is significantly more resistant than the index.

Your portfolio has a triangular structure of inflation stocks, thematic stocks, and defensive stocks. This is close to the Barbell strategy often used by hedge funds.

If you are interested, there is one 'typical individual investor trap stock' mixed into your portfolio. (The rest are quite well-positioned.) It is likely a stock that you yourself are wondering, 'Why do I even own this?' Shall I guess which one it is?

The conclusion is this.First half of March→ Buy the dipAround 3/18→ Caution. Short-term ✔ Buy the dip perspective ✔ Around 155 is support. However,Lighten up before the BOJ meeting on 3/18. Around 158 → Take profit once. 160 → Policy risk zoneThis is the safest approach.

Well, since I started Monday with a conversation like this, I'll try to aim for an upside break by buying the dip on USD/JPY and setting a trailing stop.

The following is other advice

However, your portfolio hashigh resistance to a JGB shock.Reason 1: You have resource stocks. 2: You have many high-dividend stocks. 3: It is centered on value stocks. Summary: Macro factors that affect your portfolio. Importance: 1 Be careful if Japanese long-term interest rates exceed 2.5% (most important) 2: Crude oil, 3: USD/JPY in that order. In your portfolio, the one most likely to jump the most during a JGB shock is INPEX (1605).

⚠️ AI responses may contain errors. Please be sure to verify them yourself when investing. Also, when entering personal information, we recommend using a burner account with the utmost caution to avoid linking it to more information than necessary.

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