As generative AI tools like ChatGPT gain popularity, many are using them for investment advice.

However, experts caution that current AI models are not as powerful as perceived and may mislead users without proper financial knowledge.

MoneyOwl’s Head of Partnership & Investment Management, Li Huijing, notes that AI tools rely on past data and often overlook key indicators like ROE.

She emphasizes the importance of understanding your risk tolerance and financial goals—areas AI cannot assess.

While useful for research and learning, AI should not replace professional investment advice.