As of 13 August 2026, AI can only partly create a diversified investment portfolio.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Gather your current savings, debts, investment accounts, holdings, regular contributions, expected spending date and the amount you could tolerate losing without abandoning the plan.
   2. Open a current GOV.UK page about ISAs and pensions, and save the relevant rules for the account type you are considering rather than asking the model to supply tax figures from memory.
   3. Paste the prompt and your figures into a chatbot, replacing every bracketed slot and removing account numbers, passwords and other private identifying information.
   4. Ask the model to produce the draft allocation, assumptions, risk alternatives and adviser questions in separate sections, then remove any fund or tax claim that has no current source.
   5. For each proposed fund or platform, open its current provider documents and compare the objective, asset exposure, charges, risk information, currency exposure, access rules and availability through your intended UK account.
   6. Put the draft allocation and your existing holdings into a spreadsheet, check the combined asset exposure and concentration, then take the spreadsheet and unresolved questions to a UK regulated financial adviser before investing if the decision is material or complex.

   Prompt

   Help me design a draft diversified investment portfolio for discussion, not a personal recommendation. This is for a UK resident and must use UK terms, including Stocks and Shares ISAs and pensions where relevant. Do not claim to know current prices, fund availability, tax rules or charges unless I provide a current source. Do not invent facts, fund names, returns or forecasts.
   
   My details:
   - Age: [age]
   - Investment goal: [goal]
   - Amount to invest now: [amount]
   - Monthly contribution: [amount]
   - When I expect to need the money: [years or date]
   - Emergency savings already held: [amount and where held]
   - Debts and interest rates: [details]
   - Existing investments and account types: [details]
   - My response to a temporary fall in value of 10%, 20% and 30%: [what I would do]
   - Need for access to the money: [low, medium or high]
   - Ethical or other exclusions: [details]
   - Tax wrapper available: [ISA, pension, other or unsure]
   
   First, list the missing information that could materially change the draft. Then state the main risks and assumptions. Next, propose a simple diversified allocation by asset class, with a plain explanation of what each part is intended to do. Give one cautious alternative for a lower-risk investor and one for a higher-risk investor, without presenting either as suitable for me. Explain how my existing investments affect diversification. Suggest objective checks for any fund or platform I consider, including charges, asset exposure, currency exposure, liquidity, risk level and whether it is available through my intended UK account. Separate facts from assumptions and flag anything I must verify using current provider documents or GOV.UK. Do not tell me to buy a specific product unless I provide current product information, and finish by listing the questions I should take to a UK financial adviser. State plainly that this is not professional advice.

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