As of 13 August 2026, AI can find a low-cost index fund.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Write down your investment aim, intended holding period, account type, platform, contribution pattern and any exclusions so the comparison has clear criteria.
   2. Open the current factsheet or key information document for each fund you are considering and the fee page for the platform where you would buy it.
   3. Paste those documents and fee details into the prompt, keeping each fund's name and source next to its text.
   4. Ask the chatbot to produce the comparison table and shortlist using only the supplied sources, with no estimated figures.
   5. Compare every charge in the table against the current fund documents and platform fee page, including whether charges are fund-level or platform-level.
   6. Check the fund's index, asset coverage, accumulation or distribution status, currency and risk information against the provider documents before deciding whether to invest.
   7. If the choice is material to your finances or you cannot judge suitability, take the shortlist and documents to an FCA-authorised financial adviser rather than treating the chatbot's ranking as a recommendation.

   Prompt

   Help me create a shortlist of low-cost index funds available to a UK investor. This is research, not a personal recommendation. Do not tell me that a fund is suitable unless the evidence supports that conclusion, and do not invent or estimate any figures.
   
   My details:
   - Investment aim: [for example, long-term growth or income]
   - Intended holding period: [insert period]
   - Account: [for example, Stocks and Shares ISA, pension or general investment account]
   - Platform or provider I may use: [insert name, or say unknown]
   - Amount and regular contribution: [insert if relevant]
   - Risk limits or exclusions: [insert, or say none]
   - Preference: [accumulation or distribution, if known]
   
   Use only the fund factsheets, key investor information, platform fee pages and other sources that I paste below. For each candidate, extract the fund name, index followed, ongoing fund charge, platform charge if supported by the supplied information, dealing charge if supported, fund structure, accumulation or distribution status, asset coverage, currency, and any stated tracking difference or tracking error. Keep fund charges separate from platform and dealing charges. Show the source and date for every figure, flag missing or potentially stale information, and do not rank a fund on cost alone.
   
   Then give me a table, identify the cheapest option only on the costs supported by the supplied sources, list the main reasons it may not be appropriate, and provide a checklist of facts I must confirm on the provider and platform websites before investing. Do not suggest tax treatment, predict returns, or replace advice from an FCA-authorised financial adviser.
   
   Sources and documents:
   [Paste current fund documents and platform fee information here]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.